Patents by Inventor William J. Gray
William J. Gray 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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Publication number: 20110060687Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: October 19, 2010Publication date: March 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Patent number: 7886157Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: GrantFiled: January 31, 2008Date of Patent: February 8, 2011Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20100306113Abstract: A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.Type: ApplicationFiled: August 16, 2010Publication date: December 2, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: William J. Gray, William G. Hohle, Carl Larkin, Lee J. Peart
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Patent number: 7837100Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: GrantFiled: June 30, 2006Date of Patent: November 23, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Publication number: 20100265038Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: ApplicationFiled: September 6, 2007Publication date: October 21, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7814332Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: GrantFiled: September 6, 2007Date of Patent: October 12, 2010Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7801829Abstract: A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.Type: GrantFiled: December 12, 2007Date of Patent: September 21, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: William J Gray, William G Hohle, Carl Larkin, Lee J Peart
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Patent number: 7780091Abstract: An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code.Type: GrantFiled: February 18, 2009Date of Patent: August 24, 2010Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20100161493Abstract: Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.Type: ApplicationFiled: July 30, 2009Publication date: June 24, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Bennau, Amy A. Glavasich, William J. Gray, Leigh R. Malnati, Cathy A. McGarity, Danielle R. Nulle, Sevia N. Phillips
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Publication number: 20100120408Abstract: Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction.Type: ApplicationFiled: November 13, 2008Publication date: May 13, 2010Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, William J. Gray, Jeffrey D. Langus, David P. Whittington
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Patent number: 7690577Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: GrantFiled: September 20, 2007Date of Patent: April 6, 2010Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20100030693Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: ApplicationFiled: September 6, 2007Publication date: February 4, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20100030633Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.Type: ApplicationFiled: September 6, 2007Publication date: February 4, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20090327131Abstract: Providing dynamic authentication of a user requesting access to a system via a mobile device is disclosed. An account holder tailors a set of customized security challenges and responses. When a request for account authentication is received from a mobile device, the system conducts a multi-step user authentication process that includes dynamically selecting and prompting the user with the custom security challenges.Type: ApplicationFiled: April 29, 2008Publication date: December 31, 2009Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, William J. Gray, Jeffrey D. Langus, David P. Whittington
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Patent number: 7637434Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: GrantFiled: September 7, 2007Date of Patent: December 29, 2009Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7578448Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: GrantFiled: September 7, 2007Date of Patent: August 25, 2009Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20090171851Abstract: An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code.Type: ApplicationFiled: February 18, 2009Publication date: July 2, 2009Applicant: XATRA FUND MX, LLCInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20090157555Abstract: Automated authorization and processing of an interim payment is disclosed. When a merchant requests payment prior to a recurring payment process being enabled, the system handles the payment request without customer intervention. The system requests and receives a transaction coordination code for an interim payment from a financial processor. The system passes the interim payment transaction coordination code to the merchant so the merchant may obtain an authorized payment.Type: ApplicationFiled: April 2, 2008Publication date: June 18, 2009Applicant: American Express Travel Related Services Company,Inventors: Janet Leslee Biffle, William J. Gray, Lesley Leggatt, Leigh R. Malnati, Chris M. Schuyler, Danielle Sykes, Ursula Winter
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Publication number: 20090125401Abstract: A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction.Type: ApplicationFiled: December 17, 2008Publication date: May 14, 2009Applicant: XATRA FUND MX, LLCInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20090119220Abstract: In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.Type: ApplicationFiled: December 7, 2008Publication date: May 7, 2009Applicant: XATRA FUND MX, LLCInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders