Patents Assigned to American Express Travel Related Services Company, Inc.
  • Patent number: 10812275
    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 In response to determining that the pinned certificate is out of date, the system may transmit the current certificate to the user device to update the decoupled pinned certificate.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: Grant
    Filed: November 28, 2017
    Date of Patent: October 20, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Wael Ibrahim
  • Patent number: 10810420
    Abstract: A system provides an end-to-end solution for invoice processing which includes reading invoices (both pdfs and images), extracting key relevant information from the face of invoices, organizing the relevant information in a structured template as a key-value pair, and comparing invoices based on the similarities between different invoice fields to identify potential duplicate invoices.
    Type: Grant
    Filed: November 9, 2018
    Date of Patent: October 20, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lokesh Bhatnagar, Himanshu Sharad Bhatt, Manoj Bhokardole, Gabriella P. Fitzgerald, Vinit Jain, Chetan Lohani, Shachindra Pandey, Gunjan Panwar, Shourya Roy, Di Xu
  • Publication number: 20200327573
    Abstract: Systems and methods for automated transactional offers are disclosed. The system may receive an extension communication comprising a merchant uniform resource locator (URL) and an offer ID. The system may filter verified merchant URLs based on the merchant URL. The system may retrieve an available offer based on a merchant ID associated with the verified merchant URL. The system may transmit the available offer to a user device. In response to the user device accepting the offer, the system may enroll the user for the offer at an issuer system, to enable the offer to be applied during processing of the associated transaction.
    Type: Application
    Filed: April 15, 2019
    Publication date: October 15, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Suman Babu Alapati, William H. Bishop, Anoop Kanippayyur, Rakesh Pattanayak, Avishekh Kumar Tewari, Tejaswi Upadhyaya
  • Publication number: 20200320080
    Abstract: Systems and methods for data processing in an optimized analytics environment are disclosed. The system may enable users to create data processing requests, interact with various data sources and datasets, and generate data processing outputs. The system may receive a data processing request from an audio-enabled input source or a UI-based input source. The system may determine whether the data processing request at least partially matches a stored data processing request. The system may receive a data processing request selection comprising the data processing request or the stored data processing request. The system may execute the data processing request selection on a data source.
    Type: Application
    Filed: April 4, 2019
    Publication date: October 8, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Rares Ioan Almasan, Anand Vijai Mavelipatty Rangasamy, Todd W. Oulton, Ravi Peethala
  • Patent number: 10796136
    Abstract: A system may receive a primary image containing a first set of facial feature data. The primary image may be sent by a facial recognition device for association with a user account. The system may also retrieve a secondary image from a secondary image source. The secondary image may contain a second set of facial feature data. The secondary image may further depict a user associated with the user account. The system may then compare the first set of facial feature data to the second set of facial feature data to determine whether the primary image depicts the user associated with the user account.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: October 6, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Upendra Mardikar
  • Patent number: 10795892
    Abstract: Systems, methods, and articles of manufacture for evaluating colliding data records are provided. The system may ingest one or more data inputs from one or more data sources. The system may parse the data inputs and determine whether the data is preexisting in the system. In response to the data input and stored data at least partially conflicting (e.g., colliding), the system may generate a candidate dataset based on the data input and the stored data. The candidate dataset may comprise two or more data candidates comprising permutations of the data values in the data input and the stored data. The system may evaluate each data candidate, score each date candidate based on the evaluation, and determine the data candidate having the greatest score.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: October 6, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Vincent Julien David, Yogaraj Jayaprakasam, Daniel Reznik
  • Publication number: 20200311734
    Abstract: Systems and methods for the calculation of a dynamic trust score are disclosed. The dynamic trust score may indicate a likelihood that the consumer will complete the transaction in a positive manner. The system may calculate the dynamic trust score based on various static and dynamic variables including digital identity data, internal data, third-party data, private data, and/or data from the transaction initiated by the consumer.
    Type: Application
    Filed: March 26, 2019
    Publication date: October 1, 2020
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Upendra Mardikar, Brian Carini, Royal Hansen, Dan H. Toraason, Maria Washburn
  • Patent number: 10789595
    Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.
    Type: Grant
    Filed: April 24, 2017
    Date of Patent: September 29, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
  • Patent number: 10783545
    Abstract: A system and method for the redemption of reward points for cryptocurrency is disclosed. The system may allow transaction account holders to redeem earned reward points for a selected cryptocurrency. The transaction account holders may establish a blockchain wallet to maintain and track the cryptocurrency. The system may interact with an exchange API of a cryptocurrency exchange platform to purchase the cryptocurrency for a blockchain wallet address associated with the blockchain wallet, or to initiate a transfer of pre-purchased cryptocurrency to the blockchain wallet. The system may provide additional authentication measures to ensure that the transaction is initiated by the transaction account holder and that the transaction account holder understands the potential risks of investing in cryptocurrencies.
    Type: Grant
    Filed: April 19, 2018
    Date of Patent: September 22, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Vasudevan Swamidurai
  • Patent number: 10776795
    Abstract: The systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.
    Type: Grant
    Filed: February 10, 2017
    Date of Patent: September 15, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Amy L. Harbour, Michael A. Woods, Jane E. Cook, Michael Alexander Gonzales, Sachin Jadhav, Yogaraj Jeyaprakasam, Deepak Narayanan
  • Patent number: 10776811
    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: Grant
    Filed: February 14, 2019
    Date of Patent: September 15, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Claudia Asgeirsson, Yuval Efrati, Lee H. Gowen, Trey Neemann, Mary O'Connell, Paven K. Pemmaraju
  • Patent number: 10776765
    Abstract: The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.
    Type: Grant
    Filed: June 21, 2017
    Date of Patent: September 15, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Catherine L. Amann, Arthur Barnett, Jaromir G. Divilek, Garling Lee, Eric T. Nissenbaum
  • Patent number: 10768980
    Abstract: Systems and methods for the automated execution of batch job workflows are provided. The system may generate a batch job workflow having one or more jobs with each job having one or more tasks. The system may retrieve scheduler data corresponding to each task and indicating job dependencies, task dependencies, and technology wrappers needed to execute each task. The system may generate a task schedule based on the scheduler data. The system may execute each task in accordance with the scheduler data by transmitting each task to a wrapper environment to invoke a technology wrapper. The technology wrapper may enable each task to be executed across systems of varying technologies.
    Type: Grant
    Filed: May 29, 2018
    Date of Patent: September 8, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ashish Gupta, Prasanta Kumar Mishra
  • Patent number: 10769179
    Abstract: A distributed file system may store a plurality of entity attributes. A node linking system may identify similarities between entity attributes for different entities. The node linking system may generate an entity graph which displays relationships and similarities between entities in a graphical user interface.
    Type: Grant
    Filed: March 30, 2018
    Date of Patent: September 8, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Matthew K. Meyer, Rajesh Shah, Yashwanth Tekena
  • Publication number: 20200279235
    Abstract: Systems and methods for processing payment transfers are disclosed. The system may allow senders to remit payments to receivers. The system may receive a payment request. The system may execute a payment risk analysis on the payment request to determine a risk assessment. Based on the risk assessment, the system may invoke a payment processor to complete the payment request. The payment processor may transmit a debit pull to a sender bank. In response to receiving the debit pull the sender bank may debit the payment amount from a sender account from the sender data. The payment processor may transmit a credit push to a receiver bank. In response to receiving the credit push the receiver bank may credit the payment amount to a receiver account from the receiver data.
    Type: Application
    Filed: March 1, 2019
    Publication date: September 3, 2020
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Laurence Booth, Jaromir Divilek, Alan Holmes, Yasmin Ibrahim, Venkata Balaji Kollu, Lisa Raylesberg, Subrahmanyam Vishnuvajh
  • Patent number: 10764338
    Abstract: A system for an integrated voice and data communications environment is disclosed. The system may receive a voice call and assign the voice call to a first communications environment. The system may store call related data from the first communications environment. The system may receive a request for communications transfer and transfer the voice call from the first communications environment to a second communications environment in response to the request. The system may pass the call related data from the first communications environment to the second communications environment.
    Type: Grant
    Filed: January 29, 2019
    Date of Patent: September 1, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Archit Ahlawat, Mark Lawrence, Jagadish Shivarudrappa, Jiju Soman
  • Publication number: 20200272978
    Abstract: Systems and methods for optimizing user task schedules in a customer relationship management (CRM) platform is disclosed. The system may optimally input tasks into time slots in a user schedule to generate the optimized user task schedule. The system may generate a plurality of user task schedules and calculate a total task win probability for each of the user task schedules. The system may comprise the total task win probabilities and select the user task schedule having the greatest total task win probability. The system may also perform a genetic processing analysis of the user task schedules to further optimize task placement in the user task schedule.
    Type: Application
    Filed: February 22, 2019
    Publication date: August 27, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: HECTOR FLORES, ABHISHEK JAIN, ROBIN JAIN, YOGARAJ JAYAPRAKASAM, SRINIVAS K. KUMANDAN, JORDAN MEYEROWITZ
  • Patent number: 10755267
    Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.
    Type: Grant
    Filed: June 8, 2016
    Date of Patent: August 25, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
  • Patent number: 10747866
    Abstract: A system for conducting transactions without a debit card or credit card may receive a request to complete a transaction including authentication data associated with a transaction account and a captured biometric template. The transaction request may lack information contained on a typical debit card or credit card. The system may identify the transaction account using the authentication data associated with the transaction account. The transaction account may be associated with a stored biometric template stored in a biometric data store. The system may also compare the stored biometric template with the captured biometric template. In response to the stored biometric template conflicting with the captured biometric template, the system may decline the transaction.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: August 18, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Wael Ibrahim, Upendra Mardikar
  • Publication number: 20200259914
    Abstract: Systems and methods for messaging balancing and control are disclosed. The system may retrieve aggregated message events from a first time window based on a balancing schedule. Each message event in the aggregated message events may include a timestamp. The timestamp may be within a time period assigned to the first time window. The system may execute an aggregated balancing operation on the aggregated message events. In response to determining in the aggregated balancing operation that the aggregated message events are out-of-balance, the system may execute an event balancing operation on the message events.
    Type: Application
    Filed: February 8, 2019
    Publication date: August 13, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: SRINIVAS DASARI, MOHAMED FAISAL MOHAMED FAROOK, BALA SANDEEP KANDI, VENKATASELVAM MUTHUSAMY, AMIT PODDAR, MICHAEL D. WIRSIG