Patents Assigned to American Express Travel Related Services Company, Inc.
  • Links to Metadata Labels Associated with a Charge
    Publication number: 20180189892
    Abstract: A method comprising receiving a category of metadata from an accounting software system, receiving a plurality of metadata labels associated with the category of metadata from the accounting software, receiving a ROC, receiving an association of one of the plurality of the metadata labels with the ROC, and/or transmitting the ROC and the association of the one of the plurality of the metadata labels with the ROC to the accounting software system. The category of metadata may comprise a card member name, an image of a receipt associated with the ROC, a description, and the like.
    Type: Application
    Filed: March 1, 2018
    Publication date: July 5, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Deepak Arora, Carline Darcelin-Riley, David Ibrahim
  • SYSTEMS AND METHODS FOR MODELING AND MONITORING DATA ACCESS BEHAVIOR
    Publication number: 20180191759
    Abstract: A system for monitoring data-access behavior is provided. The system may derive a behavioral pattern based on at least one of historic data access by a user or expected data access by the user. The system may also generate a behavioral model for the user based on the behavioral pattern for the user. In response to detecting a data access activity by the user, the system may compare the data access activity to the behavioral model to determine the data access activity is unusual for the user. The system may further trigger a remediation action in response to determining the data access activity is unusual for the user.
    Type: Application
    Filed: January 4, 2017
    Publication date: July 5, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Vishal Jaikishore Baijal, Anna Bain, Debasish Das, Sheshidhar Devarapally, Abhisekarn Kumaran Gunnia, Anand K. Indukuri, Sachin Kale, Matthew Meyer, Ashok Kumar Nair, Marimuthu Ponnambalam, Jeremy Seideman, Sulabh Shukla
  • BD - CLOAKED DATA SYSTEM
    Publication number: 20180191705
    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: Application
    Filed: February 15, 2018
    Publication date: July 5, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ashok K. Nair, Sastry Durvasula, Kevin L. Murray, Sulabh Shukla
  • TRANSACTIONS WITH REWARD POINTS
    Publication number: 20180181998
    Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.
    Type: Application
    Filed: February 26, 2018
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sibish Basheer, Nageshwara R. Chirravuri, Sastry VSM Durvasula, Ravi Govindasamy, Priyadarshini Koul, Ashish Kumar, Premkumar Manivannan, Sathish B. Muthukrishnan, Varun Sood, Sohail Zafar
  • Systems and Methods for a Digital Map and Canvas Layer
    Publication number: 20180182140
    Abstract: The systems may include superimposing a canvas layer having a pixel system over the digital map; aligning the coordinate system of the digital map with the pixel system of the canvas layer; obtaining a location coordinate of the coordinate system to each site of interest of a plurality of sites of interest, wherein the location coordinate is associated with a location of the site of interest on the digital map; associating the location coordinate for the site of interest with a pixel in the pixel system; and creating a marker on the canvas layer on the pixel associated with the location coordinate for the site of interest.
    Type: Application
    Filed: December 22, 2016
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kedar Biradar, Raju Rathi, Kunal Upadhyay, Purushotham Vunnam, Digvijay Yadav
  • SYSTEMS AND METHODS FOR PROCESSING DATA SERVICE REQUESTS
    Publication number: 20180181610
    Abstract: Systems and methods for processing data service requests are disclosed. The system may receive a data service request comprising a unique process code and a data input. The system may parse the data service request to determine the unique process code. The system may retrieve a data operation sequence based on the unique process code. The data operation sequence may comprise an ordered list of executable operations. The system may generate an operation service request based on a first executable operation and the data input. The system may execute the operation service request.
    Type: Application
    Filed: December 28, 2016
    Publication date: June 28, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: KRISHNA K. LINGAMNENI
  • SYSTEMS AND METHODS FOR CUSTOM RANKING OBJECTIVES FOR MACHINE LEARNING MODELS APPLICABLE TO FRAUD AND CREDIT RISK ASSESSMENTS
    Publication number: 20180182029
    Abstract: A system for analyzing risk using machine learning models may be trained using a data set to generate a risk assessment model that is optimized for metrics commonly used in for financial risk evaluation. The metrics may include Gini and CaptureRate, for example. The system may receive a request for a financial service, and generate a risk assessment by applying the risk assessment model to factors associated with the request. The system may also decide on the request in response to the risk assessment.
    Type: Application
    Filed: December 22, 2016
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Vishwa Vinay
  • SYSTEMS AND METHODS FOR ESTIMATING TRANSACTION RATES
    Publication number: 20180182042
    Abstract: A transaction rate estimate system may retrieve an earlier transaction rate estimate along with a new set of transaction data. The new set of transaction data may include a new transaction count and a new time period over which the new transaction count occurred. The system may process the retrieved data by estimating a new transaction rate using a conjugate prior pair with the first transaction rate estimate, the new transaction count, and the new time period as inputs. The system may also store the new transaction rate for use in future estimates and present applications.
    Type: Application
    Filed: December 22, 2016
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Vishwa Vinay
  • Systems and Methods for a Digital Map with Virtual Barriers
    Publication number: 20180181806
    Abstract: The systems may include dividing a digital map provided by a mapping system into a matrix having a plurality of cells; assigning a cell of the plurality of cells to encompass a geographic region of the digital map; calculating a number of sites of interest in the cell; creating a marker comprising a first count number representing the number of sites of interest in the cell; and sharing the marker with a browser for display on the digital map.
    Type: Application
    Filed: December 22, 2016
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Shivakumar Chandrashekar, Raju Rathi, Yogesh Tayal, Kunal Upadhyay, Purushotham Vunnam
  • Forming a protected data field entry
    Patent number: 10007805
    Abstract: The system may comprise receiving a data element, and receiving an encryption key and an associated encryption key identifier from an encryption keystore database. The system may further comprise transmitting the data element to an encryption module for encryption using the encryption key to form an encrypted data element. The system may also comprise receiving the encrypted data element from the encryption module and concatenating the encryption key identifier with the encrypted data element to form a protected data field entry.
    Type: Grant
    Filed: August 18, 2017
    Date of Patent: June 26, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Allan Christopher Pomeroy, Philip John Lundrigan
  • Methods for rapidly provisioning application functionality to a mobile communication device
    Patent number: 10007911
    Abstract: Systems and methods for rapidly provisioning functionality to one or more mobile communication devices are disclosed. The method may comprise generating, prior to a request for the functionality, a globally unique identifier (“GUID”) encryption key, wherein the GUID comprises a unique identifier that may be associated with a transaction account customer, generating a value associated with the GUID, deriving, based on the value, a plurality of base encryption keys associated with the value, creating, a perso-script, wherein the perso-script comprises a file associated with data associated with a customer, and/or creating a proto-script, wherein the proto-script comprises the perso-script prepended by a script to rotate the plurality of base encryption keys.
    Type: Grant
    Filed: May 26, 2016
    Date of Patent: June 26, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: John G. McDonald
  • Host card emulation systems and methods
    Patent number: 10009324
    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: December 4, 2015
    Date of Patent: June 26, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Curtis Watson
  • Software testing management
    Patent number: 10007597
    Abstract: A system may scan a version control repository to detect a first code and/or a first file written for a first test framework. The system may create a first test case in an SOR in response to detecting the first code and/or the first file. The system may scan the version control repository to detect a second code and/or a second file written for a second test framework with the second test framework being different from the first test framework. The system may create a second test case in the SOR in response to detecting the second code and/or the second file.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: June 26, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lee Barnett, Krista Freiland, Satish Jayaraman, Amit Jhaamb, Manish Joon, Jeff Nunn
  • SYSTEMS AND METHODS FOR PARSING AND INGESTING DATA IN BIG DATA ENVIRONMENTS
    Publication number: 20180173812
    Abstract: The system may validate a data source having a structured format and a grammar that includes tags. The system may identify a tag in the grammar. The system may parse the data source to extract attributes and/or values associated with the tags in response to successful validation. The system may also write the attributes and/or values to an output file separated by a preselected delimiter. A configuration file may identify the grammar, the preselected delimiter, and/or the data source. The data source may be in an XML format or a JSON format. The system may generate execution ready code in response to the validating the data source and the grammar. The output file may be a load ready file for ingestion into a big data storage format. The tag may include a parent tag and a sub tag corresponding to a hierarchy in the data source.
    Type: Application
    Filed: December 19, 2016
    Publication date: June 21, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Rahul Agarwal, Sachin Arya, Sandeep Bose, Ajay Paul Singh Manesh, Harish Naik, Neha Singh
  • Enhanced View System
    Publication number: 20180165738
    Abstract: The systems may include receiving an image of a location captured by a web client associated with the consumer; receiving location information associated with the location; detecting a site marker in the image based on the location information, wherein the site marker is associated with a site in the image; associating the site with a portion of the image; obtaining an information box, which is associated with the site; and facilitating a display of the image including the information box on the web client. The information box may be disposed over or around the portion of the image associated with the site that is associated with the information box. The information box may comprise an item directed to the consumer.
    Type: Application
    Filed: December 8, 2016
    Publication date: June 14, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Siva R. Chilukuri, HarishKumar Chandrasekaran, Nageshwara R. Chirravuri, Sudhakar Gopal, Hari K. Gottipati, Danielle G. Matthews, Harish R. Naik, Kishore R. Narayan, Piyashi L. Prakash, Andrew E. Silverman
  • Mobile Payment System
    Publication number: 20180150816
    Abstract: The systems may include receiving a device identifier to create a received device identifier, the received device identifier being associated with a personal POS terminal on a device associated with a consumer; matching a stored device identifier with the received device identifier; activating the personal POS terminal on the device associated with the stored device identifier; and/or receiving a payment token associated with a transaction account associated with the consumer for a transaction.
    Type: Application
    Filed: November 30, 2016
    Publication date: May 31, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Hong Liu, Keshav A. Narsipur
  • RAPID CHECKOUT PRE-INITIATION
    Publication number: 20180144342
    Abstract: A consumer may indicate that the consumer intends to complete a transaction at a merchant. An authorizing entity may perform some of the authorization inquiries typically performed at the time of checkout. The authorizing entity may provide a preauthorization code to the consumer. The consumer may use the preauthorization code to complete the transaction. The processing time to complete the transaction may be decreased due to the previously initiated inquiries. Additionally, the merchant may be authorized to forego verifying a signature or ID verification, speeding up the checkout process.
    Type: Application
    Filed: November 21, 2016
    Publication date: May 24, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Todd Borandi
  • System and Method For Automated Linkage of Enriched Transaction Data to a Record of Charge
    Publication number: 20180137506
    Abstract: Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and/or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.
    Type: Application
    Filed: November 14, 2016
    Publication date: May 17, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Prasanth Kcl, Jordan Meyerowitz, Rajeev Thomas
  • Next expected session key
    Patent number: 9972007
    Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.
    Type: Grant
    Filed: February 16, 2017
    Date of Patent: May 15, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Manish K. Deliwala, Jonathan Lupton, Ajay B. Maddukuri, John G. McDonald
  • Mobile device sensor data
    Patent number: 9973526
    Abstract: A system, method, and computer-readable medium for reporting sensor data over a communication network are provided. A data reporting instruction that identifies at least one of a sensor or a data reporting technique is received from a trust mediator over a communication network. The data reporting instruction is based at least in part on an identified risk. Sensor data is obtained from the sensor, and the sensor data is transmitted to the trust mediator over the communication network based on the data reporting technique.
    Type: Grant
    Filed: June 21, 2017
    Date of Patent: May 15, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Samuel A. Bailey, Jr.