Patents Assigned to American Express Travel Related Services Company, Inc.
  • In-Memory Transaction Processing
    Publication number: 20180322164
    Abstract: The system may be configured to perform operations including receiving a transaction message based on a marker associated with the transaction message; applying a processing module to the transaction message, wherein the processing module is comprised in the processing machine; accessing processing information in the memory in order to execute the processing module; and processing the transaction message by executing the processing module on the transaction message. The transaction message may have been separated from an input file and may represent a transaction between a merchant and a consumer. The marker may represent a transaction characteristic of the transaction message.
    Type: Application
    Filed: May 8, 2017
    Publication date: November 8, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Srinivas Dasari, L. N. Moudgal, Venkat Muthusamy, Mike Wirsig
  • PERSONALIZATION USING CLICKSTREAM DATA
    Publication number: 20180322205
    Abstract: A system may deliver personalized content to a user. The system may create a user persona based on demographic information and stored clickstream data of the user. The system may learn which functionalities the user typically uses on a webpage, and the system may create a personalized version of the webpage for the user.
    Type: Application
    Filed: May 8, 2017
    Publication date: November 8, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Balaji Balaraman, Sastry VSM Durvasula, Sathish B. Muthukrishnan, Harish Naik, Neha Singh
  • Automated task execution based on task criteria
    Patent number: 10120888
    Abstract: A system and method for automated continuous task triggering is provided. The system may provide automated continuous task triggering by monitoring a data source and a data output, retrieving a task criteria from a criteria database, and executing a task in response to the task criteria being met. The task criteria may comprise a set of instructions to execute the task on the data source and the data output. The system may also recalibrate the task criteria based on the executing of the task to generate a recalibrated task criteria.
    Type: Grant
    Filed: August 8, 2016
    Date of Patent: November 6, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Rares Ioan Almasan, Rebecca Henry
  • Predictive modeling
    Patent number: 10115058
    Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data in the form of a flat file. An extraction tool extracts data. A model validation tool validates a model by scoring an analytical environment data set and a production environment data set. A model execution tool allows a user to select when and how often a model is scored.
    Type: Grant
    Filed: May 16, 2017
    Date of Patent: October 30, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Narasimha Murthy, Mickey S. Oralevich, Sandeep Sacheti, Deep Thomas
  • Code sequencing
    Patent number: 10104070
    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: November 21, 2017
    Date of Patent: October 16, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Samuel A. Bailey, Jr.
  • Using integrated code to extract device characteristics for online security
    Patent number: 10097663
    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: May 22, 2017
    Date of Patent: October 9, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam
  • Sending a Cryptogram to a POS While Disconnected From a Network
    Publication number: 20180278589
    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: Application
    Filed: May 24, 2018
    Publication date: September 27, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
  • Known Nearest Neighbor (KNN)
    Publication number: 20180276746
    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: May 24, 2018
    Publication date: September 27, 2018
    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
  • Systems and methods for software testing and test management
    Patent number: 10083110
    Abstract: A software testing system may identify various test suites that include test conditions, test data, test environments, and/or a user access controls. The test suites may be used to generate a test bed map including dependencies of the various test suites. The system may assign test parameters to the various test suites including threshold values, severity values, and/or frequency values. The system may also generate a superscript based on the test bed map with the superscript configured to execute a first test suite before a second test suite in response to the dependency of the second test suite on the first test suite. The superscript may also include a reference to the test conditions, the test data, the test environments, and/or the user access controls. The system may monitor execution of the superscript to detect events that signals errors and/or parameter changes.
    Type: Grant
    Filed: August 16, 2016
    Date of Patent: September 25, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ravi Kaser, John Bruno, Dale Timberlake
  • Test script configuration spreadsheet
    Patent number: 10083111
    Abstract: A test script may be written in a test script configuration spreadsheet. A plurality of test scripts may be listed in a test suite spreadsheet. A user may hit a run key to execute all or any subset of the test scripts listed in the test suite spreadsheet. A test engine may read the test suite spreadsheet and the test script configuration spreadsheets to execute the test scripts on any platform or browser specified by the test suite spreadsheet.
    Type: Grant
    Filed: September 27, 2017
    Date of Patent: September 25, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Mansoor Jafary, Robert B. Mawk, Nagaraj S. Pandit, Ganeshbabu G. Subramanian
  • WARRANTY ENRICHED TRANSACTIONS
    Publication number: 20180268418
    Abstract: Systems and methods for warranty enriched transactions are provided. Electronic warranty enriched transaction data provided by merchants may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. Transaction account owners are able to view, download, and interact with the warranty enriched transaction data to view warranty information and the corresponding product or service purchased. Merchants are able to interact with the warranty enriched transaction data to view, update, and cancel warranty information. The systems and methods provided herein may also allow merchants to receive predictive warranty analysis reports, allowing merchants to ascertain what percentage of warranties are likely to expire, be renewed, be canceled, and/or be fulfilled.
    Type: Application
    Filed: March 16, 2017
    Publication date: September 20, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: SHASHANK TANKSALI
  • Targeted and neutral advertising
    Patent number: 10068252
    Abstract: The present disclosure includes a system, method, and article of manufacture for measuring the effectiveness of an advertisement. In various embodiments, the system may compare exposed data indicating that a first customer was exposed to a targeted advertisement to a first spending activity associated with the first customer. The system may further compare unexposed data indicating that a second customer was exposed to a neutral advertisement to a second spending activity associated with the second customer. Further still, the system may, in various embodiments, generate a spend report based on the comparing the exposed data to the first spending activity and the comparing the unexposed data to the second spending activity.
    Type: Grant
    Filed: February 29, 2016
    Date of Patent: September 4, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David S. Bonalle, Brian C. Bender, Mehmet E. Dedeoglu, Rajendra R. Rane, Tamara F. Odinec, Patrick R. Lowery
  • System and method for providing a BLUETOOTH low energy mobile payment system
    Patent number: 10062073
    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 26, 2014
    Date of Patent: August 28, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: David Baldie
  • Systems and methods for access control over changing big data structures
    Patent number: 10055444
    Abstract: A system may receive a query configured to access a column in a data table. The data table may be in a flat file in a big data storage format. The system may detect the language type of the query and validate the query against the syntax of the language type. The system may also validate an access permission for data in the data table. The access permission may be stored in a permissions database. The system may generate a temporary table including the column with the temporary table configured to support the language type. The system may execute the query against the temporary table to generate a query result based on the temporary table as though it were the underlying data table. The system may enforce column-level or row-level access permissions by excluding columns or rows from the temporary table.
    Type: Grant
    Filed: December 16, 2015
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Shubham Arora, Balaji Balaraman, Sandeep Bose, Arindam Chatterjee, Sastry Durvasula, Manoj Kumar Rana, Nitish Sharma
  • System and method transforming source data into output data in big data environments
    Patent number: 10055426
    Abstract: A system may receive a request to derive an output variable from a source variable. The request may include proposed logic to derive the output variable from the source variable. The system may then compare the proposed logic to existing logic to determine the proposed logic is new. In response to the proposed logic being new, the system may generate transformation code configured to execute the proposed logic. The system may further schedule the transformation code for execution at a predetermined time, and then execute the transformation code to generate data for the output variable.
    Type: Grant
    Filed: November 18, 2015
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ravi Arasan, Carmen Patricia Argüello, Sandeep Bose, Kunal Chandrashekhar Joshi, Matthew Kent Meyer, Marimuthu Ponnambalam, Himanshu Prabhakar, Gurusamy Ramasamy, Jeremy D. Seideman
  • Form factor with an alias code and a secure chip ID
    Patent number: 10055728
    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: Grant
    Filed: June 21, 2017
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Manish K. Deliwala, Jason E. Muncey, Keshav A. Narsipur, Sreenivasan B. Parameshwara, Manoj Krishnamma Thulaseedharan Pillai, Anthony I. Prentice, Lisa C. Yokoyama
  • Systems and methods for digital spend based targeting and measurement
    Patent number: 10055759
    Abstract: The present disclosure includes a system, method, and article of manufacture for spend based targeting. In various embodiments, the system may transmit, to a third party system, a spend data file associating a first party cookie ID with spend data, as well as a first party cookie ID and/or a third party cookie ID to a web client. The web client may transmit the first party cookie ID and/or the third party cookie ID to the third party system, and the third party system may generate a look alike model for targeting advertisements to the web client based on the spend data file and clickstream data associated with the web client. In various embodiments, the third party system may match the third party cookie ID with the first party cookie ID in the spend data file, which may associate a customer with a segment.
    Type: Grant
    Filed: October 30, 2015
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: David Bonalle, Brian Bender, Mehmet E. Dedeoglu, Rajendra Rane, Tamara Odinec, Patrick Lowery
  • Integrated big data interface for multiple storage types
    Patent number: 10055471
    Abstract: A system may store a plurality of first records comprising a first variable in a first data storage format. The system may also store a plurality of second records comprising a second variable in a second data storage format. The first data storage format may have a different data structure than the second data storage format. The system may then generate a catalog including a first location of the first variable and a second location of the second variable. The first location identifies the first data storage format, which is where the first variable is stored. The second location identifies the second data storage format, which is where the second variable is stored. The system may then receive a request to access at least one of the first variable or the second variable and access the first variable and/or the second variable in response to the request.
    Type: Grant
    Filed: November 18, 2015
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ambika Aggarwal, Ravi Arasan, Sandeep Bose, Debasish Das, Ravi K. Kaushik, Matthew Kent Meyer, Marimuthu Ponnambalam, Gurusamy Ramasamy, Jeremy D. Seideman
  • Cloaked data system
    Patent number: 10057253
    Abstract: Systems and methods of securely storing and retrieving data are disclosed. A database may include a table of data with rows and columns and encrypted at rest. The data may be desired to be accessed by users. However, each user may have different access permissions and each row or column may have different characteristics, such as encryption, data type, and/or the like. As such, access to the data may be controlled in according to the characteristics of the data, the access permissions of the user, and/or the encryption of the data.
    Type: Grant
    Filed: February 15, 2018
    Date of Patent: August 21, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ashok K Nair, Sastry Durvasula, Kevin L Murray, Sulabh Shukla
  • Transaction card
    Patent number: D827026
    Type: Grant
    Filed: November 9, 2017
    Date of Patent: August 28, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Troy Williams, Peter Bates, Michel David Arney, Damien Vizcarra