Patents Assigned to American Express Travel Related Services Company, Inc.
  • Publication number: 20190180313
    Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.
    Type: Application
    Filed: February 14, 2019
    Publication date: June 13, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Claudia Asgeirsson, Yuval Efrati, Lee H. Gowen, Trey Neemann, Mary O'Connell, Paven K. Pemmaraju
  • Publication number: 20190180311
    Abstract: A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.
    Type: Application
    Filed: February 15, 2019
    Publication date: June 13, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Andrew Martin Baal Thomas
  • Publication number: 20190180043
    Abstract: A system for applying access permissions to read requests may write a file to a storage media. The file may contain data, an embedded flag, and an embedded verification datum of the embedded flag. The embedded flag may indicate an access permissions requisite for file access. The system may also receive a request to access the file from a user and retrieve an access permission for the user. The system may also compare the embedded flag to the access permission for the user to determine the user has permission to access the file. A verification datum may be calculated, and the calculated verification datum may be compared to the embedded verification datum to determine the embedded flag has not changed.
    Type: Application
    Filed: February 18, 2019
    Publication date: June 13, 2019
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Debasish Das, Kunal Joshi, Matthew Meyer, Jeremy Seideman
  • Publication number: 20190180367
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.
    Type: Application
    Filed: February 19, 2019
    Publication date: June 13, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Madhu Sudhan Reddy Gudur, Vinod Yadav, Satish T. Narayanan, Harish R. Naik, Anand Bhushan, Amber G. Gupta, Sanjay S. Gwalani
  • Publication number: 20190179954
    Abstract: A user may apply for an account on an account registration page. The account issuer may receive a phone number of a mobile device used to apply for the account. The account issuer may transmit the phone number to a carrier integration server which may obtain user information from the wireless carrier for the mobile device. The account issuer may autofill fields on the account registration page with the user information. The user may upload a photograph of the user and an identification card. The account issuer may perform facial recognition to verify the identity of the user.
    Type: Application
    Filed: December 8, 2017
    Publication date: June 13, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: UPENDRA MARDIKAR
  • Patent number: 10318546
    Abstract: The method for test data management may comprise receiving a test data characteristic; retrieving a master copy data from a master copy database; generating a secondary copy data, wherein the secondary copy data comprises a subset of the master copy data corresponding to the test data characteristic; generating a test copy data, wherein the test copy data is a copy of the secondary copy data; and transmitting the test copy data to a test environment. In this manner, the efficiency and resiliency of the system may be enhanced, and the test copy data may be improved so that the network may function according to approved parameters.
    Type: Grant
    Filed: September 19, 2016
    Date of Patent: June 11, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ashish Gupta, Prasanta Kumar Mishra, Prakash Hariharan, Richard Maze
  • Publication number: 20190172054
    Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.
    Type: Application
    Filed: January 16, 2019
    Publication date: June 6, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Jason E. Muncey, Keshav A. Narsipur, Sreenivasan B. Parameshwara, Manoj Krishnamma Thulaseedharan Pillai
  • Publication number: 20190172064
    Abstract: An authentication system may receive an authentication MAC, an integrity MAC, and data transmitted from a payment application and a payment terminal. A local integrity MAC may be generated using the data as an input to a first cryptographic operation. The system may compare the local integrity MAC to the received integrity MAC to authenticate the received integrity MAC. A local authentication MAC may be generated using a second cryptographic operation and compare the local authentication MAC to the received authentication MAC. The system may authenticate the payment application in response to a successful authentication of at least one of the received authentication MAC or the received integrity MAC.
    Type: Application
    Filed: July 1, 2016
    Publication date: June 6, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Carlos Eduardo Oliveira do Valle Silvestre, Jonathan Ward Lupton
  • Patent number: 10313333
    Abstract: A system may generate a seed one-time password (OTP). The system may also perform steps including transmitting the seed OTP to a user device, receiving a response OTP from the user device, and calculating an expected response OTP by applying a function to the seed OTP. The system may then compare the response OTP to the expected response OTP and send a result in response to comparing the response OTP to the expected response OTP.
    Type: Grant
    Filed: August 18, 2017
    Date of Patent: June 4, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Wael Ibrahim, Upendra Mardikar
  • Publication number: 20190164207
    Abstract: The system may transmit a signal originating from a BLUETOOTH low energy (“BLE”) beacon at a merchant location. The signal may include a first identifier associated with the merchant location and a merchant device. A customer device may receive the signal within a predetermined distance of the BLE beacon. The system may receive a transmission sent by the customer device in response to the signal from the BLE beacon. The transmission may include a second identifier associated with the user. The system may identify the user associated with the customer device based on the second identifier. The user may be at the merchant location.
    Type: Application
    Filed: January 18, 2019
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Hans-Jurgen Greiner, Mallikarj U. Hiremath, Kevin H. Ringger, Mukund Shankar Simha
  • Publication number: 20190164214
    Abstract: The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.
    Type: Application
    Filed: December 5, 2018
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ching-nu Chang, Lee Chau, Terrence Fischer, Anthony Harry Mavromatis
  • Publication number: 20190164157
    Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.
    Type: Application
    Filed: November 28, 2017
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
  • Publication number: 20190165950
    Abstract: Systems for decoupling and updating pinned certificates on a user device are disclosed. A mobile application having a hardcoded pinned certificate may be installed on a user device. The pinned certificate may be decoupled from the mobile application and stored on the user device. In response to the mobile application attempting to establish a secure connection with a server, the system may check whether the decoupled pinned certificate is current by querying a certificate repository. In response to determining that the pinned certificate is out of date, the system may transmit the current certificate to the user device to update the decoupled pinned certificate.
    Type: Application
    Filed: November 28, 2017
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Wael Ibrahim
  • Publication number: 20190163896
    Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.
    Type: Application
    Filed: November 28, 2017
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Patent number: 10304044
    Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.
    Type: Grant
    Filed: June 6, 2017
    Date of Patent: May 28, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • Patent number: 10304129
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.
    Type: Grant
    Filed: May 24, 2018
    Date of Patent: May 28, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Madhu Sudhan Reddy Gudur, Vinod Yadav, Satish T. Narayanan, Harish R. Naik, Anand Bhushan, Amber G. Gupta, Sanjay S. Gwalani
  • Publication number: 20190156308
    Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.
    Type: Application
    Filed: January 17, 2019
    Publication date: May 23, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders
  • Patent number: 10296874
    Abstract: A method and a system are provided for preventing unauthorized access to financial accounts. A financial services system creates and stores a global external number corresponding to a funding account number that is associated with a financial account. A vendor system requests the corresponding global external number from the financial services system, which returns the corresponding global external number. The vendor system stores the global external number with customer identification information and/or transaction records. The vendor system requests payments for transactions by supplying the global external number stored in a transaction record to the financial services system. The financial services system authenticates the vendor system, and returns the corresponding funding account number. The vendor system generates a transaction settlement request using the funding account number.
    Type: Grant
    Filed: December 23, 2008
    Date of Patent: May 21, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Richard Orth, Priscilla M. Morgan, Rafael T. Perez, Lee J. Peart
  • Publication number: 20190149426
    Abstract: A master processor may retrieve historical and real time machine and human data related to computer system health. The master processor may utilize machine learning and artificial intelligence to predict potential computer malfunctions. The master processor may output notifications regarding the potential computer malfunctions in order to prevent the computer malfunctions from occurring.
    Type: Application
    Filed: November 15, 2017
    Publication date: May 16, 2019
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Rares Ioan Almasan, Jeffery Freed, Kai Wang
  • Publication number: 20190147440
    Abstract: Systems, methods, and articles of manufacture for secured account provisioning and payments using near-field communication (NFC) enabled devices are provided. The system may receive an encrypted account provisioning request comprising a provisioning account and a device fingerprint; decrypt the encrypted account provisioning request with a server root key; retrieve a limited use payment credential (LUPC) based on the provisioning account; generate an ENC key, a MAC key, and a DEK key based on the device fingerprint and the server root key; and encrypt the LUPC using the ENC key, the MAC key, and the DEK key to generate an encrypted account payload.
    Type: Application
    Filed: November 13, 2017
    Publication date: May 16, 2019
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Manish K. Deliwala, Varaprasad Kotha, Ajay Babu Maddukuri