Patents Assigned to American Express Travel Related Services Company
  • Technology portfolio health assessment system and method
    Patent number: 8156028
    Abstract: A system and method for producing infrastructure health assessments enabling enterprises to monitor the health of individual technology portfolios and plan accordingly is disclosed. The tool uses two primary assessments to determine: 1) an infrastructure score based the general health of asset components; and 2) adaptability score based on asset components ability to interact with other elements within the asset. To generate the assessment scores, the tool accepts inventory input specific to a portfolio's assets and components. A user interacting with the tool provides classification information relating to each asset and component. The tool then calculates health assessment scores for both individual portfolio assets and for the portfolio as a whole.
    Type: Grant
    Filed: August 29, 2011
    Date of Patent: April 10, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Sherry McCullough Easterwood, Pradeep Varghese George, Robert Del Gilmore, James Walker Mathews, Lawrence J. Mitsch, James Robert Rottman, James Denis Thornton
  • System and method for summarizing analysis of models in a modeling environment
    Patent number: 8155937
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: December 27, 2006
    Date of Patent: April 10, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • System and method for managing simulation models
    Patent number: 8155936
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: November 30, 2006
    Date of Patent: April 10, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • SYSTEM AND METHOD FOR DYNAMIC FOB SYNCHRONIZATION AND PERSONALIZATION
    Publication number: 20120084163
    Abstract: A system generally for personalizing and synchronizing fob data in the context of a distributed transaction system is disclosed. A dynamic fob synchronization system may comprise point of service (POS) devices configured with transponder-readers to initiate a transaction in conjunction with a fob, an enterprise data collection unit, and a fob object database update system. In an exemplary embodiment, a dynamic synchronization system (DSS) may comprise a personalization system and an account maintenance system configured to communicate with a fob object database update system (FODUS). Personalization of multi-function fobs may be accomplished using a security server configured to generate and/or retrieve cryptographic key information from multiple enterprise key systems during the final phase of the fob issuance process.
    Type: Application
    Filed: November 30, 2011
    Publication date: April 5, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David S. Bonalle, Carl Larkin, Peter D. Saunders
  • SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION
    Publication number: 20120084209
    Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
    Type: Application
    Filed: December 15, 2011
    Publication date: April 5, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
  • Method and computer readable medium for visualizing dependencies of simulation models
    Patent number: 8150662
    Abstract: A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, and/or the like. The method includes storing model and model variable data within a relational database system, receiving a request from a user interfacing with the system via a web interface, extracting search criteria and presentation preferences from the request, formulating and executing one or more queries on the database to retrieve the required data, formatting the data in accordance with the request, and retuning the data to the requesting user in the form of a web page.
    Type: Grant
    Filed: November 29, 2006
    Date of Patent: April 3, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manisha Jain, Michael Shamai Oralevich, Sandeep K. Sacheti, Deep Thomas, Donald Robert McGimpsey
  • Global account reconciliation tool
    Patent number: 8150746
    Abstract: A global reconciliation software tool is provided to standardize reconciliation processes across various corporate lines of business. The reconciliation tool provides standard templates for entering transaction and account data. In this manner, open accounting items are more readily identified and reconciled. The software tool includes a plurality of components allowing for greater scalability and operability across various computer systems and accounting programs.
    Type: Grant
    Filed: January 19, 2011
    Date of Patent: April 3, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Anju Tandon, Akhila Jha, Vandana Malik, Anurag Dahiya
  • Methods, apparatus and computer program products for interfacing automatic bill payment systems with card issuer database systems
    Patent number: 8150754
    Abstract: An interface for interfacing a merchant processor with a card issuer database receives a merchant profile including transaction request data elements and stores the merchant profile in a global merchant database. A request for data corresponding to at least one element of the merchant profile is transmitted to a merchant system and/or a cardmember database. Data corresponding to the merchant profile is received from the merchant system and/or the cardmember database and stored in the global merchant database. A marketing system is notified that at least one record associated with the merchant profile is stored in the global merchant database.
    Type: Grant
    Filed: December 23, 2008
    Date of Patent: April 3, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Lesley Leggatt, Leigh R. Malnati, Danielle Nulle, Ursula Winter, Jeannine Haas, Cecilia Sun
  • Systems and methods for gesture-based interaction with computer systems
    Patent number: 8141775
    Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.
    Type: Grant
    Filed: June 24, 2011
    Date of Patent: March 27, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Aidasani, Kimberly Alderfer, Kate T. Long, Lisa Knight, Stuart Rolinson
  • AUTHORIZATION REFRESH SYSTEM AND METHOD
    Publication number: 20120072349
    Abstract: Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests are submitted by a merchant for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a merchant/buyer. An authorization refresh may be performed by the account issuer and/or the intermediary if a settlement request is received for a transaction.
    Type: Application
    Filed: November 22, 2011
    Publication date: March 22, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathi L. Bernstein, Hans D. Buehler, William Clark, Jeremiah Matt Curry, Ryan Edward Lueders, David O. Nelson, Michael S. Smith
  • SYSTEM AND METHOD FOR PRESENTING A COMPETITIVE COMPARISON OF A RECOMMENDED OR CUSTOM CARD
    Publication number: 20120072277
    Abstract: A system, computer product and method for presenting a competitive comparison of a recommended financial transaction instrument. A set of questions is presented to a consumer in order to determine psychographic characteristics of the consumer. At least one subset of questions is presented based on answers to the set of questions, the at least one subset of questions relating more specifically to available benefits. A tailored financial transaction instrument is recommended having benefits which are based on answers to the at least one subset of questions. At least one similar competitive financial transaction instrument is presented to the consumer.
    Type: Application
    Filed: November 23, 2011
    Publication date: March 22, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Rachel Moore, Scott Brooks, Natalie Azam
  • AUTHORIZATION REFRESH SYSTEM AND METHOD
    Publication number: 20120072348
    Abstract: Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer. An authorization refresh may be performed by the account issuer and/or the intermediary if a settlement request is received for a transaction.
    Type: Application
    Filed: November 22, 2011
    Publication date: March 22, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathi L. Bernstein, Hans D. Buehler, William Clark, Jeremiah Matt Curry, Ryan Edward Lueders, David O. Nelson, Michael S. Smith
  • Systems and methods for gesture-based interaction with computer systems
    Patent number: 8136724
    Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.
    Type: Grant
    Filed: June 24, 2011
    Date of Patent: March 20, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Dilip Aidasani, Kimberly Alderfer, Kate T. Long, Lisa M. Knight, Stuart Rolison
  • SYSTEM AND METHOD FOR FACILITATING A FINANCIAL TRANSACTION WITH A DYNAMICALLY GENERATED IDENTIFIER
    Publication number: 20120066080
    Abstract: Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses the transaction card at the time of purchase and/or is the true card owner. At the time of purchase, a token generates a dynamic CID, which changes with each transaction. A consumer enters the dynamic CID into a pre-existing CID field in an electronic order form. The merchant then sends the dynamic CID to a card authorization system within an authorization request. The card authorization system issues a response to a merchant system via a pre-existing authorization message indicating that the transaction card and dynamic CID have been validated, thereby adjusting the fraud risk associated with the transaction.
    Type: Application
    Filed: November 18, 2011
    Publication date: March 15, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Glade Raymond Erikson
  • DETERMINING COMMERCIAL SHARE OF WALLET
    Publication number: 20120066108
    Abstract: Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.
    Type: Application
    Filed: November 22, 2011
    Publication date: March 15, 2012
    Applicant: American Express Travel Related Services Company Inc.
    Inventors: Kathleen Haggerty, Charles Christopher Lyon, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
  • AUTHORIZATION REFRESH SYSTEM AND METHOD
    Publication number: 20120066133
    Abstract: Limited use account identifiers or secondary account identifiers are enabled with refresh capability. The refreshable account identifiers are used in financial transactions and, specifically, in transaction situations where multiple and/or duplicate authorization requests occur for the same or related transactions. An authorization refresh may occur if a settlement request is received for a transaction. The limited use account identifiers may be used by intermediaries that coordinate the purchase of an item for a buyer.
    Type: Application
    Filed: November 22, 2011
    Publication date: March 15, 2012
    Applicant: American Express Travel Related Services Company Inc.
    Inventors: Kathi L. Bernstein, Hans D. Buehler, William Clark, Jeremiah Matt Curry, Ryan Edward Lueders, David O. Nelson, Michael S. Smith
  • SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION
    Publication number: 20120066123
    Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
    Type: Application
    Filed: November 18, 2011
    Publication date: March 15, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
  • Using commercial share of wallet to compile marketing company lists
    Patent number: 8131614
    Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.
    Type: Grant
    Filed: August 2, 2006
    Date of Patent: March 6, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Charles Christopher Lyon, Benedict O. Okoh, Robert E. Phelan, Jon Kevin Ruterman, Geraldine A. Turner, Chao M. Yuan, Arnab Biswas
  • REWARDS PROGRAM BONUS
    Publication number: 20120054000
    Abstract: A system and method for managing a rewards program is disclosed. A reward redemption request is provided in exchange of reward points accrued by a customer. Based on the redeemed reward points, the customer is provided a redeemed reward. The redeemed reward is compared with redemption criteria. The redemption criteria may be based on the amount of redeemed reward points and/or the redeemed reward. In response to meeting the redemption criteria, the reward redemption may qualify for a rewards program bonus.
    Type: Application
    Filed: September 1, 2010
    Publication date: March 1, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Mary Beth Boppert, Victor Colombo, Christine C. Etheredge, E Bai Koo, Silvia Mansur de Oliveira, Denee C. Perry
  • CREDIT SCORE AND SCORECARD DEVELOPMENT
    Publication number: 20120054090
    Abstract: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.
    Type: Application
    Filed: November 1, 2011
    Publication date: March 1, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathleen Haggerty, Chao M. Yuan, Benedict O. Okoh, Peter L. Williamson