Patents Assigned to American Express Travel Related Service Company, Inc.
  • System and method for networked loyalty program
    Patent number: 8065182
    Abstract: The present invention provides a system for implementing a loyalty program on a network-wide level. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or analyses relating to consumer spending behaviors or patterns for example. In accordance with one aspect of the invention, the association of UPC and SKU data by the system facilitates implementation of an incentive or loyalty program by providing a universal rewards currency. This universal rewards currency may be “spent” by participants who have earned rewards and accepted by the other participants in the multi-tiered network created by the system. The network may comprise any number of participants, including consumers, retailers (and any of their employees), manufacturers, third-party providers, and the like.
    Type: Grant
    Filed: January 15, 2009
    Date of Patent: November 22, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Theodore S. Voltmer, Fauziah B. Ariff
  • SYSTEM AND METHOD FOR ENABLING CHANNEL PROMOTIONS IN AN IP MARKETPLACE
    Publication number: 20110282738
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING IP DATA ACCESS IN AN IP MARKETPLACE
    Publication number: 20110282765
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING IP MARKETPLACE APIs
    Publication number: 20110282762
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING CHANNEL COMMUNITY RATINGS IN AN IP MARKETPLACE
    Publication number: 20110282797
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING CHANNEL AGREEMENTS NEGOTIATIONS IN AN IP MARKETPLACE
    Publication number: 20110282754
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING INTEGRATED CHANNELS IN AN IP MARKETPLACE
    Publication number: 20110282766
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM AND METHOD FOR ENABLING MARKETING CHANNELS IN AN IP MARKETPLACE
    Publication number: 20110282761
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • CUSTOMIZED FINANCIAL TRANSACTION PRICING
    Publication number: 20110282791
    Abstract: Enabling innovative merchant transaction pricing capability, while improving pricing process efficiency, is disclosed. When a merchant submits financial transaction account records to a payment processor for payment, the payment processor utilizes granular transaction data to calculate complex merchant transaction pricing rules. The system accesses individual transaction data, aggregate transaction data, transaction history, customer data, merchant data and product data to enable flexible, innovative and dynamic pricing capabilities that increase revenue and increase customer satisfaction.
    Type: Application
    Filed: July 26, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: James Anderson
  • SYSTEM AND METHOD FOR ENABLING CHANNEL REGISTRATION IN AN IP MARKETPLACE
    Publication number: 20110282796
    Abstract: A comprehensive platform for merchandising intellectual property (IP) and conducting IP transactions is disclosed. A standardized data collection method enables IP assets to be characterized, rated and valuated in a consistent manner. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between the IP Marketplace participants throughout the IP transaction process. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.
    Type: Application
    Filed: July 29, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Tracey R. Thomas
  • SYSTEM FOR REDUCING INFORMATION REQUIRED TO OPEN A NEW ACCOUNT
    Publication number: 20110282772
    Abstract: An existing customer of a financial institution may open a new account with their financial institution using an optimized online interface. Initially, the interface presents a standard application for a new account in which an extensive number of fields for personal and financial information must be completed. A link is provided on this long application for use by existing account holders only. Upon selection of the link, an existing account holder is instead presented with a short application in which only the account holder's name, a portion of their social security number, their existing account number, and their account confirmation identifier are required to be entered.
    Type: Application
    Filed: July 15, 2011
    Publication date: November 17, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Yelena Khandros, Lorraine Miranda, Suzanne K Berlin, Randy Okerlund, Rhonda Lee Bertucci, Gregory Alan Glenn
  • Methods, systems, and computer program products for generating data quality indicators for relationships in a database
    Patent number: 8060502
    Abstract: The disclosed methods, systems, and computer-program products allow a business to generate data quality indicators for relationships in a database. In an embodiment, one or more relationships linked to a customer are retrieved from a database to form a set of relationships. A match confidence code is generated for each relationship based on a score generated by the comparison of customer data associated with the respective relationship and corresponding customer data obtained from an external industry database. A link confidence code is subsequently determined for the customer based on a score generated by the scores used to define the match confidence code for each relationship in the set of relationships and on internal data associated with each relationship in the set of relationships.
    Type: Grant
    Filed: October 4, 2007
    Date of Patent: November 15, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Prashant Sharad Churi, German Gonzalo Creamer, Sara Tresch, Mary Weissman
  • Exception notification system and method
    Patent number: 8056801
    Abstract: A system and method for distributing prepaid cash alternatives and resolving exceptions related to the sale of prepaid cash alternatives such as traveler's checks or prepaid cards. Reports of sales may be reviewed to identify exceptions, and information explaining the exceptions may be made available electronically. Sellers may be notified of exceptions by e-mail, which may include a link or address to information explaining the exceptions. The information may be provided in real time through a secure site on a network, such as the Internet. A company may contract with business partners to sell the prepaid cash alternatives to customers, and the business partners may report the sales to the company via reports. After being notified of exceptions, business partners may provide corrected information or new information to resolve the exceptions.
    Type: Grant
    Filed: January 7, 2009
    Date of Patent: November 15, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Greg Webb, Jennifer D. Sauvageau, Carol Breinholt, Sabina Sweat
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110276471
    Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: July 18, 2011
    Publication date: November 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110276470
    Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: July 18, 2011
    Publication date: November 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • CONSUMER BEHAVIORS AT LENDER LEVEL
    Publication number: 20110276469
    Abstract: The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More specifically, it relates to rating lenders based on data derived from their respective consumers. Also, the present disclosure relates to rating consumer lenders based on the predicted spend capacity of their consumers.
    Type: Application
    Filed: July 18, 2011
    Publication date: November 10, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Aashish Prakash, Prasanta Sahu, Di Xu, Chao Yuan
  • SYSTEM AND METHOD FOR SECURING DATA THROUGH A PDA PORTAL
    Publication number: 20110271098
    Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.
    Type: Application
    Filed: July 13, 2011
    Publication date: November 3, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Trey Neemann, Theodore S. Voltmer, Fauziah B. Ariff
  • SYSTEM AND METHOD FOR GENERATING AN UNPREDICTABLE NUMBER USING A SEEDED ALGORITHM
    Publication number: 20110270759
    Abstract: A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number by using the seed value as a counter value in the random number generator, and performing a data encryption standard operation. In one exemplary embodiment, the unpredictable number is modified to a predetermined maximum unpredictable number value as determined by the sender and receiver of the unpredictable number.
    Type: Application
    Filed: July 14, 2011
    Publication date: November 3, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Lee J. Peart, Peter D. Saunders
  • System and method for the real-time transfer of loyalty points between accounts
    Patent number: 8050968
    Abstract: The invention includes facilitating the substantially real-time transfer of loyalty points between accounts. The method and system include receiving a transfer request (e.g., consumer request, triggering event, etc) for a transfer of a certain number of loyalty points, accessing and analyzing the total number of loyalty points in the transferor account to determine if a sufficient number of points exist, analyzing the type/level of consumer and type/level of points to be involved in the transfer, deducting the requested loyalty points from the transferor account, determining if any rules exist for restricting or limiting the transfer of points, using a conversion engine to convert the point value to an appropriate point value in the transferee account and increasing the point balance in the transferee account.
    Type: Grant
    Filed: November 13, 2008
    Date of Patent: November 1, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Donna Antonucci, Theodore S. Voltmer
  • SYSTEM AND METHOD FOR ADMINISTERING MARKETING PROGRAMS
    Publication number: 20110264490
    Abstract: A system and method provide rewards or loyalty incentives to transaction account customers. The system includes a computing platform comprising application programming interfaces that enable users to define marketing programs. The system thus enables an efficient, automated and extensible platform for creating, managing and executing rewards and other marketing related programs.
    Type: Application
    Filed: June 6, 2011
    Publication date: October 27, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sastry Durvasula, Luke Gebb, Priyadarshini Koul, Michael Morris, Sherree Newhouse, Manjushri Puranik, Scott Roen, Jennifer Russo, Sripriya Tiku, Robert Wilmes, David Wolf