Patents by Inventor Ruth L. Aloni
Ruth L. Aloni has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11836757Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: GrantFiled: June 9, 2022Date of Patent: December 5, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Publication number: 20220301000Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: ApplicationFiled: June 9, 2022Publication date: September 22, 2022Applicant: American Express Travel Related Services Company, Inc.Inventors: RUTH L. ALONI, BENZION T. AXELROD, JEAN L. BOWMAN, JACK J. FUNDA, JONATHAN S. POLON, Sripriya V. TIKU
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Patent number: 11367098Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: GrantFiled: April 24, 2017Date of Patent: June 21, 2022Assignee: American Express Travel Related Services Company, Inc.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Patent number: 10453088Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.Type: GrantFiled: July 21, 2016Date of Patent: October 22, 2019Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Publication number: 20170228758Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: ApplicationFiled: April 24, 2017Publication date: August 10, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: RUTH L. ALONI, BENZION T. AXELROD, JEAN L. BOWMAN, JACK J. FUNDA, JONATHAN S. POLON, SRIPRIYA V. TIKU
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Patent number: 9665880Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: GrantFiled: May 21, 2012Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Patent number: 9665879Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: GrantFiled: May 9, 2012Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Publication number: 20160328735Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.Type: ApplicationFiled: July 21, 2016Publication date: November 10, 2016Applicant: American Express Travel Related Services Company, Inc.Inventors: RUTH L. ALONI, BENZION T. AXELROD, JEAN L. BOWMAN, JACK J. FUNDA, JONATHAN S. POLON, SRIPRIYA V. TIKU
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Patent number: 9430773Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.Type: GrantFiled: July 18, 2007Date of Patent: August 30, 2016Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Publication number: 20130232059Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.Type: ApplicationFiled: April 11, 2013Publication date: September 5, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
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Patent number: 8438104Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.Type: GrantFiled: January 19, 2012Date of Patent: May 7, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
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Publication number: 20120226534Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: ApplicationFiled: May 21, 2012Publication date: September 6, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Ruth L. ALONI, Benzion T. AXELROD, Jean L. BOWMAN, Jack J. FUNDA, Jonathan S. POLON, Sripriya V. TIKU
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Publication number: 20120221399Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.Type: ApplicationFiled: May 9, 2012Publication date: August 30, 2012Applicant: American Express Travel Related Services Company Inc.Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku
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Publication number: 20120116962Abstract: Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.Type: ApplicationFiled: January 19, 2012Publication date: May 10, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley
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Patent number: 8117116Abstract: A system, method, and computer program product are used to make recurring loan payments (e.g., mortgage payments) through a transaction card account. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requestor. If no, a transaction card account is opened for the requester and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. Periodic debits to the transaction card account are automatically made that correspond to a recurring loan payment amount for the loan.Type: GrantFiled: December 21, 2006Date of Patent: February 14, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Ruth L. Aloni, Rebecca R. Deen, Richard A. Exelbert, Elizabeth Langwith, Tamara F. Odinec, Joanne R. Pate, Sheraz Shere, Natalie M. Sunderland, Ian Woolley