Patents Assigned to American Express Travel Related Services Company, Inc.
  • System and method for linking point of sale devices within a virtual network
    Patent number: 11120417
    Abstract: A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds.
    Type: Grant
    Filed: January 29, 2016
    Date of Patent: September 14, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Fred Bishop
  • Mobile device image compression
    Patent number: 11115667
    Abstract: The system may capture an image comprising an original image size. The system may further determine an optimal size for the image based on a connection bandwidth and/or connection latency. The system may also compress the image to reduce an image size locally until the image size is less than or equal to the optimal size, before transmitting the image with the optimal size to the receiver while controlling latency in image transmission.
    Type: Grant
    Filed: February 18, 2020
    Date of Patent: September 7, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Hans-Jurgen Greiner, Vasif M. Pasha, Kevin H. Ringger
  • Voice interface transaction system using audio signals
    Patent number: 11113691
    Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.
    Type: Grant
    Filed: September 25, 2018
    Date of Patent: September 7, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Matthew Joseph Castoro, Andrew Lei
  • SYSTEM AND METHOD FOR PROVIDING A BLUETOOTH LOW ENERGY MOBILE PAYMENT SYSTEM
    Publication number: 20210272096
    Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.
    Type: Application
    Filed: May 17, 2021
    Publication date: September 2, 2021
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: David Baldie
  • Permissions for writing data to a file
    Patent number: 11106808
    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: Grant
    Filed: February 18, 2019
    Date of Patent: August 31, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Debasish Das, Kunal Joshi, Matthew Meyer, Jeremy Seideman
  • Systems and methods for presenting a value added offer during credential authentication
    Patent number: 11107052
    Abstract: The disclosed merchant server initiates a verification process in response to receiving an account identifier for an account in response to a payment selection by an account holder. In response to confirming enrollment of the account in a verification service, the merchant server receives an access point (e.g., a uniform resource locator (URL), API, etc.) and presents an offer interface corresponding to the access point. The offer interface includes a value added offer based on a profile of the account. The merchant server receives a credential and an acceptance indicator in response to the account holder accepting the value added offer. The merchant server may send an authorization request to a transaction authorization system.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: August 31, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Thomas L. Bethke, II, Danielle R. Cloud
  • Sending a cryptogram to a POS while disconnected from a network
    Patent number: 11108746
    Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.
    Type: Grant
    Filed: May 24, 2018
    Date of Patent: August 31, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
  • Embedding a widget into a webpage
    Patent number: 11100569
    Abstract: A method and system of using widgets embedded in web pages as virtual storefronts is disclosed. A user of a social networking site may create a merchant account with a transaction service provider. The user embeds a storefront widget provided by the transaction service provider in the user's profile page on the social networking site and the user can use the storefront widget to input information about products that the user is selling. Other users of the social networking site view the user's profile page and the storefront widget will display the products that the user is selling. The other users may interact with the storefront widget to purchase the products that the user is selling.
    Type: Grant
    Filed: February 13, 2019
    Date of Patent: August 24, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Jason J. Hogg, Cory Moreira, Andrew Peret, Kiran Jagannath
  • Dispute initiation using artificial intelligence
    Patent number: 11087770
    Abstract: A system for artificial intelligent dispute resolution is disclosed. The system may receive a dispute initiation request from a voice input channel. The system may determine user authentication state in response to the dispute initiation request. The system may receive a natural language problem statement from the voice input channel. The system may determine a user intent in response to the natural language problem statement. The system may compare the user intent with a business rules set and determine a dispositioned outcome based on the business rules set and the user intent.
    Type: Grant
    Filed: July 3, 2018
    Date of Patent: August 10, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Aruun Kumar Kumar
  • Ranking merchants based on a normalized popularity score
    Patent number: 11087336
    Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.
    Type: Grant
    Filed: April 24, 2017
    Date of Patent: August 10, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Terrence Fischer, Alex Lun
  • Method, article of manufacture, and system for provisioning available appointments
    Patent number: 11087380
    Abstract: The system instantly provisions high demand items to a consumer. The system may be capable of identifying an item for a consumer based on information about the consumer and a demand associated with the item. The system may also be capable of reserving a reservation for the item. The system may further be capable of provisioning the item to the consumer based on a demand associated with the item. In this regard, the item may be instantly available to the consumer. The system may also be capable of adjusting an item inventory in the item inventory database. The system may further provide available appointments to consumers for selection in real-time.
    Type: Grant
    Filed: October 26, 2016
    Date of Patent: August 10, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lisa M. Knight, Scott Seese
  • Digital pass with a selectable link
    Patent number: 11080738
    Abstract: The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.
    Type: Grant
    Filed: November 7, 2018
    Date of Patent: August 3, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Raghavendra V. Chidella, Hans-Jurgen Greiner, Mallikarj U. Hiremath, Padmaja Kodavanti, Gopinath Kondapally, Simon R. Mableson, Kevin H. Ringger, Kongaraveera Venkata Satya Srinivasu, Ganeshbabu Subramanian, Arun Swamy, Subha Vanavamalai, Undra Viverette
  • Applying a function to a password to determine an expected response
    Patent number: 11050741
    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: April 18, 2019
    Date of Patent: June 29, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Wael Ibrahim, Upendra Mardikar
  • Transactions using a bluetooth low energy beacon
    Patent number: 11010748
    Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.
    Type: Grant
    Filed: August 22, 2018
    Date of Patent: May 18, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: David Baldie
  • Systems and methods for comparing data across data sources and platforms
    Patent number: 11003688
    Abstract: A system for data comparison is disclosed. The system may receive a source configuration metadata. The system may configure a data extraction module to extract data from a data set in response to the source configuration metadata. The system may generate a pre-work data from the data set. The system may compare the pre-work data to generate a post-process data set. The system may generate a report corresponding to the post-process data set.
    Type: Grant
    Filed: September 4, 2019
    Date of Patent: May 11, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Karina Alvarez, Sachin Arya, Sandeep Bose, Subhash Godara, Anmol Handa, Ajay Paul Singh Manesh, Purvi Shah, Bhupesh Sharma
  • Systems and methods for in-application and in-browser purchases
    Patent number: 10997590
    Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: May 4, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Keshav A. Narsipur
  • Protection methods for financial transactions
    Patent number: 10997571
    Abstract: A secure mobile financial transaction is provided by receiving a list of protection methods from an external terminal over a communication network. A matrix of protection methods corresponding to the external terminal is created based on the identified protection methods. Security-related information is received from one or more trust mediator agents over the communication network. Rules corresponding to the received security related information are retrieved, and at least one protection method is selected from the matrix of protection methods based on the retrieved rules. The selected protection method is transmitted to the trust mediator agents for implementation.
    Type: Grant
    Filed: August 3, 2017
    Date of Patent: May 4, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Samuel A. Bailey, Jr.
  • Event information processing system
    Patent number: 10997001
    Abstract: The method includes receiving event information for a plurality of events from a plurality of data sources; normalizing the event information for each event of the plurality of events into a desired format by at least one of changing a field name of the event information or transforming at least one value in the event information into a recognized value; enriching the event information for each event of the plurality of events by adding additional data points associated with the event information to the event information; and/or transmitting the event information to a data recipient.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: May 4, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: James Arendt, Scott F. Brown, Paul Byran Demiduk, Charles Russell O'Keefe
  • Online purchase autofill plug-in
    Patent number: 10990752
    Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. An online purchase autofill plugin includes various modules and engines. The fields of online forms may be identified and the fields of online forms may be automatically filled. The user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.
    Type: Grant
    Filed: June 19, 2019
    Date of Patent: April 27, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Hans-Jurgen Greiner
  • Balancing and control framework for real-time processing
    Patent number: 10986203
    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: Grant
    Filed: February 8, 2019
    Date of Patent: April 20, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Srinivas Dasari, Mohamed Faisal Mohamed Farook, Bala Sandeep Kandi, Venkataselvam Muthusamy, Amit Poddar, Michael D. Wirsig