Patents Assigned to American Express Travel Related Services Company, Inc.
  • PAYMENT TRANSFER PROCESSING SYSTEM
    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
  • Integrated voice and data communications environment
    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
  • OPTIMIZING USER TASK SCHEDULES IN A CUSTOMER RELATIONSHIP MANAGEMENT PLATFORM
    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
  • Systems and methods for a merchant-specific payment token
    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
  • Transaction approval based on a scratch pad
    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
  • BALANCING AND CONTROL FRAMEWORK FOR REAL-TIME PROCESSING
    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
  • Data enrichment environment using blockchain
    Patent number: 10740492
    Abstract: A data enrichment environment using blockchain is disclosed. A client may interact with the data enrichment environment to generate an enrichment smart contract and deploy the enrichment smart contract to the blockchain. The enrichment smart contract may comprise data indicating the enrichment inquiry. One or more solvers may interact with the data enrichment environment to submit proposed enrichment solutions based on the enrichment inquiry. One or more observers may interact with the data enrichment environment to review and vote on the proposed enrichment solutions. The data enrichment environment may evaluate the proposed enrichment solutions based on contract conditions.
    Type: Grant
    Filed: April 11, 2018
    Date of Patent: August 11, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Vincent Julien David, Yogaraj Jayaprakasam, Daniel Reznik, Hemant Bhatia, Travis Brown, Ashwin Nagalla
  • Top gamer notifications
    Patent number: 10740810
    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: Grant
    Filed: January 18, 2019
    Date of Patent: August 11, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Hans-Jurgen Greiner, Mallikarj U. Hiremath, Kevin H. Ringger, Mukund Shankar Simha
  • Multilevel sign-on
    Patent number: 10742635
    Abstract: A global userID may be linked to many individual locations. A user may login to the global userID and select an experience environment. The experience environment may provide access to locations associated with the experience environment, such as all locations in a country. The user may switch between experience environments without providing login credentials for each individual location the user wishes to view.
    Type: Grant
    Filed: May 21, 2018
    Date of Patent: August 11, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Debdeep Banerjee, Yatharth Chowdhary, Dinesh Reddy Gudibandi, Gautam Gulati, Prasanth Harpanahalli, Edward L. Morabito, Jr.
  • AUTOMATED DATA EXTRACTION AND ADAPTATION
    Publication number: 20200250571
    Abstract: Systems and methods for automated data extraction and adaptation are disclosed. The system may receive a data input from an external source using various different input channels. The system may determine a data quality of the data input by comparing data fields of the data input to known metadata in the system. The system may reformat the data input based on the comparison to a format consumable by downstream applications and services. The system may apply various machine learning operations on the data input including a descriptive analytics analysis, a predictive learning analysis, and/or a prescriptive intelligence analysis.
    Type: Application
    Filed: February 4, 2019
    Publication date: August 6, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Rares Ioan Almasan, Rebecca L. Henry, Rahul Menon
  • Security related data for a risk variable
    Patent number: 10735473
    Abstract: An adaptable network security system includes trust mediator agents that are coupled to each network component. Trust mediator agents continuously detect changes in the security characteristics of the network and communicate the detected security characteristics to a trust mediator. Based on the security characteristics received from the trust mediator agents, the trust mediator adjusts security safeguards to maintain an acceptable level of security. Trust mediator also uses predetermined rules in determining whether to adjust security safeguards. Despite inevitable changes in security characteristics, an acceptable level of security and efficient network operation are achieved without subjecting users of the network to over burdensome security safeguards.
    Type: Grant
    Filed: November 21, 2017
    Date of Patent: August 4, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Samuel A. Bailey, Jr.
  • BOT FACTORY ENVIRONMENT
    Publication number: 20200238514
    Abstract: A system for a bot factory environment is disclosed. The system may receive a graphical process model. The system may compile a bot based on the graphical process model. The system may validate the bot to generate a validated bot. The system may register the validated bot to a registry table. The system may deploy the validated bot to a runtime environment.
    Type: Application
    Filed: January 29, 2019
    Publication date: July 30, 2020
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Baranidharan Chinnasamy, Manjunath Devadi, Chandler Helmuth, Mitchell Kurman, Vijayakumar Sitha Mohan, Saurabh Pathak, Florian Popescu
  • INTEGRATED VOICE AND DATA COMMUNICATIONS ENVIRONMENT
    Publication number: 20200244713
    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: Application
    Filed: January 29, 2019
    Publication date: July 30, 2020
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Archit Ahlawat, Mark Lawrence, Jagadish Shivarudrappa, Jiju Soman
  • Automated web service and API build configuration framework
    Patent number: 10725840
    Abstract: Systems and methods for the automated building and configuration of integration services are disclosed. The system may store and maintain various integration pattern templates comprising preprogrammed integration services (e.g., web services, APIs, etc.) needing defined operation details to be functional. The system may receive a specification file and a service specific parameter, parse the specification file and the service specific parameter to determine an operation detail, and extract the operation detail from the specification file and the service specific parameter. The system may input the operation detail into the integration pattern template to generate a service configuration file. The service configuration file may be deployed in a service integration platform.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: July 28, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Krishna K. Lingamneni, Nagarajan Deivasigamani
  • Merchant receipt of a first portion of an account number from an issuer and a second portion from a consumer
    Patent number: 10726420
    Abstract: According to various embodiments, a merchant computing device is configured to obtain a first portion of a transaction account number from at least one transaction account issuer (TAI) computing device and a second portion of the transaction account number from a client device. The merchant computing device is further configured to transmit to the TAI computing device a request to authorize a transaction based at least in part on the first portion and the second portion of the transaction account number. The merchant computing device is further configured to obtain from the TAI computing device data indicating that the at least one TAI computing device authorized the transaction.
    Type: Grant
    Filed: October 8, 2019
    Date of Patent: July 28, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sarah C. Dodds-Brown, Anwesa Paul
  • Transaction authorizations using device characteristics
    Patent number: 10721324
    Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: July 21, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam
  • System and method for creating dynamic advertisements
    Patent number: 10719851
    Abstract: A transaction account provider may obtain transaction information from consumer transactions and information from a consumer browsing a transaction account provider website, collectively first-party data. A web server may obtain second-party data from a consumer's use of a merchant website. Additional third-party data may be purchased from a third-party data source. An ad server may use the first-party data, the second-party data, and the third-party data to select a relevant personalized banner ad to be displayed to the consumer.
    Type: Grant
    Filed: September 30, 2015
    Date of Patent: July 21, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Brian G. Lenhart, Laura Wolf
  • MOTION-ENABLED TRANSACTION SYSTEM USING AIR SIGN SYMBOLS
    Publication number: 20200226613
    Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.
    Type: Application
    Filed: January 14, 2019
    Publication date: July 16, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: VINOTH RAVINDRAN, MUKUND SHANKAR SIMHARAGHU
  • AUTOMATED NON-BILLING CYCLE REMITTANCE
    Publication number: 20200226560
    Abstract: Systems and methods for automated non-billing cycle remittances are disclosed. The system may enable users to remit payment for outstanding transaction account balances without needing an issuer system to generate billing cycle statements. The system may retrieve user enrollment data comprising user data and a remittance trigger. The system may determine a remittance event based on the remittance trigger. The system may process a non-billing cycle remittance based on the user enrollment data. The system may calculate a non-billing cycle reward based on the non-billing cycle remittance.
    Type: Application
    Filed: January 15, 2019
    Publication date: July 16, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: YATHARTH CHOWDHARY, PANKAJ KOHLI, SURYA B. PENTAPATI, ANDREW SOSNICKI, ANKUSH SRIVASTAVA
  • Support chat profiles using AI
    Patent number: 10715467
    Abstract: A chat system implementing AI-based support chat profiles may receive and process one or more user chat inputs from a user terminal. The chat system may select a support chat profile based on the processed user chat input. The chat system may generate one or more AI chat responses based on the processed user chat input and the support chat profile. The chat system may determine a confidence level of each AI chat response. The chat system may generate a support response. In response to the confidence level of the AI chat response being greater than a predetermined level, the support response may be generated to comprise the AI chat response.
    Type: Grant
    Filed: March 21, 2018
    Date of Patent: July 14, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Sibish Basheer, John Bruno