Patents Assigned to American Express Travel Related Services Company, Inc.
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • Rapid account registration with autofill and facial recognition
    Patent number: 10713290
    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: Grant
    Filed: December 8, 2017
    Date of Patent: July 14, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Upendra Mardikar
  • 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
  • Context aware prioritization in a distributed environment using tiered queue allocation
    Patent number: 10713090
    Abstract: Systems and methods for allocating jobs in a distributed file system queue are provided. The system may receive a job request and intelligently divide the job request into one or more logical job stages. Each job stage may be assigned a stage weight based on historical data corresponding to each job stage, such as job stage computing requirements, job stage data outputs, and the like. The system may assign each job stage to a job queue n the distributed file system based on the stage weight and the current computing availability of each job queue. The system may execute each job stage in the assigned job queue to complete the job request.
    Type: Grant
    Filed: May 17, 2018
    Date of Patent: July 14, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Anupam Aggarwal, Abhinav B. Bali, Nitin Mahesh
  • Generating code for a multimedia item
    Patent number: 10715515
    Abstract: A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. An alphanumeric string is generated based on the received plurality of codes and based on a table that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters. A determination is made as to whether to grant authorization based on whether the generated alphanumeric string matches an alphanumeric user identifier stored in a memory device in association with a user.
    Type: Grant
    Filed: September 10, 2018
    Date of Patent: July 14, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Samuel A. Bailey, Jr.
  • Anonymized access to online data
    Patent number: 10713653
    Abstract: Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-PII). In turn, the server aggregates the non-PII customer online data from the set of participating merchants. The server associates the received non-PII customer online data with non-PII demographic data. Other non-PII transaction data, such as previous transactions processed at a card issuer, also can be associated with the non-PII customer online data and non-PII demographic data. These associations are, in turn, used to create reports and to provide services to help merchants or other requesting organizations develop online strategies to drive click thru and conversion rates.
    Type: Grant
    Filed: October 19, 2016
    Date of Patent: July 14, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Wendy Silver Rosner, James R. Shelby, Jackie S. Yong, Jean Bowman
  • Dynamic user interface blueprint
    Patent number: 10705691
    Abstract: A user may interact with a first application. A dynamic user interface consistency system may create a user interface blueprint file which stores explicit and inferred user preferences. The user may open a second application. The second application may refer to the user interface blueprint file to generate a user interface according to the user preferences.
    Type: Grant
    Filed: February 19, 2018
    Date of Patent: July 7, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Anant Athale, Srinivas Dasari
  • Fund transfer service for multiple linked transaction accounts
    Patent number: 10706395
    Abstract: Systems, methods, and articles of manufacture for transferring funds from multiple transaction accounts are provided. The system may allow a user to link one or more credit, debit, or other similar transaction accounts to a single transaction instrument. The system may receive a transaction authorization request, retrieve a merchant account number and a consumer transaction account number based on the transaction authorization request, and generate a funds transfer request comprising the merchant account number, the consumer transaction account number, and a payment amount. The funds transfer request may be executed by a transaction account network to transfer funds from the consumer transaction account to the merchant account.
    Type: Grant
    Filed: July 11, 2017
    Date of Patent: July 7, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Carlos Silvestre
  • System and method for closing pre-authorization amounts on a virtual token account
    Patent number: 10706413
    Abstract: A system for closing pre-authorization amounts on a virtual token account is disclosed. The system may receive a transaction authorization request for a virtual token. The virtual token may be associated with a parent transaction account, and have a virtual token ID, a token parameter, a virtual token balance, an authorized variance, and a settlement variance. The transaction authorization request may have a transaction request amount and be linked to the virtual token ID. The system may compare the transaction request amount to the virtual token balance and the authorized variance, and authorize the transaction authorization request in response to the transaction request amount being less than the virtual token balance. The system may compare the settlement variance to the virtual token balance, and expire the virtual token in response to the virtual token balance being less than the settlement variance.
    Type: Grant
    Filed: March 25, 2016
    Date of Patent: July 7, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jeremiah Curry, Vivekanandan Vaithinathan
  • Authenticating based on a hardware identifier
    Patent number: 10706404
    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: April 12, 2019
    Date of Patent: July 7, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • PLUGGABLE FRAMEWORK
    Publication number: 20200201607
    Abstract: A system includes modularized generic framework applications that are built to be deployable across any Java based application, with the ability to maintain multiple runtime versions. Pluggable framework applications may be self-contained units of APIs and implementations. The pluggable framework applications may be written in Java. The pluggable framework applications may be independently scalable, deployable, changeable and/or replaceable modules. The pluggable framework applications may be modular, scalable, and have high availability, as well as allow for hot deployment, standardization, easy integration, and/or code reuse.
    Type: Application
    Filed: December 21, 2018
    Publication date: June 25, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Pravin T. Bhalerao, Michael A. Calleiro, Baranidharan Chinnasamy, Manjunath B. Devadi, Chandler C. Helmuth, Gabriel A. Jimenez, Vijayakumar Sitha Mohan, Celia Suzanne Nelson, Diego Romero
  • ZERO-KNOWLEDGE PROOF PAYMENTS USING BLOCKCHAIN
    Publication number: 20200193425
    Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.
    Type: Application
    Filed: December 12, 2018
    Publication date: June 18, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: ANDRAS L. FERENCZI, DALLAS L. GALE, NILESH Y. JADHAV, Harish R. Naik
  • PEER-TO-PEER CONFIDENTIAL DOCUMENT EXCHANGE
    Publication number: 20200193032
    Abstract: Systems and methods for peer-to-peer secure document exchange are disclosed. The system may allow a document provider to securely transmit a certified document to a document verifier using decentralized storage. The verifier system may generate a session key pair and transmit the session public key to a trusted API provider. The trusted API provider may generate a session nonce. The verifier system may transmit the session nonce to the provider system. The provider system may use the session nonce to retrieve the session public key. The provider system may encrypt a certified document using the session public key and store the encrypted certified document in the decentralized storage. The verifier system may retrieve the encrypted certified document by polling the trusted API provider based on the session nonce. The verifier system may decrypt the encrypted certified document using the session private key.
    Type: Application
    Filed: December 12, 2018
    Publication date: June 18, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: JITENDRA SINGH DIKHIT, ALARIC M. EBY, ANDRAS L. FERENCZI, ASHISH KUMAR