Patents Assigned to American Express Travel Related Services
  • 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
  • HYBRID IDENTITY AS A SERVICE FOR DECENTRALIZED BROWSER BASED WALLETS
    Publication number: 20200219094
    Abstract: A hybrid identity service system is disclosed. The system may receive a transaction request. The system may generate a first passcode and a second passcode. The system may decrypt a first encrypted private key with the first passcode to recover a private key. The system may sign the transaction request with the private key and may encrypt the private key with the second passcode to generate a second encrypted private key.
    Type: Application
    Filed: January 3, 2019
    Publication date: July 9, 2020
    Applicant: American Express Travel Related Services Co., Inc.
    Inventors: Jitendra Singh Dikhit, Alaric M. Eby, Andras L. Ferenczi, Ashish Kumar, Upendra Mardikar
  • 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
  • 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
  • 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
  • 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
  • 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
  • TRANSACTION ACCOUNT DATA MAINTENANCE USING BLOCKCHAIN
    Publication number: 20200193429
    Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant-stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.
    Type: Application
    Filed: December 14, 2018
    Publication date: June 18, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: FARAZ BABAR, AIMEE CARDWELL, ANDRAS L. FERENCZI, DALLAS GALE, NILESH YASHAVANT JADHAV, ASHISH KUMAR, HARISH R. NAIK, LAVANYA VENKATANARAYANAN
  • Purchasing a reserved item
    Patent number: 10685370
    Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: June 16, 2020
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Michael Morris, Stephanie Schultz, Ilias Tsangaris, David Wolf, Michael Yu
  • Systems and methods for regulating transactions
    Patent number: 10685357
    Abstract: A method of authorizing transactions is provided that includes receiving from a user an action parameter, associating the action parameter with a user profile associated with the user, storing the action parameter, receiving an authorization request from a merchant for a transaction with the user, comparing the action parameter with transaction identification information, and sending an authorization response in response to comparing the action parameter with transaction identification information.
    Type: Grant
    Filed: March 14, 2016
    Date of Patent: June 16, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Kathi Bernstein, David Ockwell, Michael Stuart Smith
  • IDENTIFYING DATA OF INTEREST USING MACHINE LEARNING
    Publication number: 20200184017
    Abstract: Systems and methods for identifying data of interest are disclosed. The system may retrieve unstructured data from an internet data source via an alert system or RSS feed. The system may input the unstructured data into various models and scoring systems to determine whether the data is of interest. The models and scoring systems may be executed in order or in parallel. For example, the system may input the unstructured data into a Naïve Bayes machine learning model, a long short-term memory (LSTM) machine learning model, a named entity recognition (NER) model, a semantic role labeling (SRL) model, a sentiment scoring algorithm, and/or a gradient boosted regression tree (GBRT) machine learning model. Based on determining that the unstructured data is of interest, a data alert may be generated and transmitted for manual review or as part of an automated decisioning process.
    Type: Application
    Filed: December 11, 2018
    Publication date: June 11, 2020
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: RAVI BATRA, SANDEEP BOSE, MARIO FRAGOSO, RAVNEET GHUMAN, MADHU SUDAN REDDY GUDUR, SURAJ MADNANI, CURTIS T. MERRYWEATHER, RAVI VARMA, VINOD YADAV
  • Authentication based on changes in fingerprint minutia
    Patent number: 10678902
    Abstract: A system receives a source and a metadata layer that describes the source. The source may comprise source records with fields containing source data, and the metadata layer may include metadata comprising at least one of a field data type, a field data length, a field description, or a record length. The processor may further validate the metadata layer against the source and write results to a log. The processor may further be configured for transforming the source records into transformed records for a load ready file. The processor may further balance a number of records in the source against a number of transformed records in the load ready file to generate a transformation failure rate.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: June 9, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Upendra Mardikar, Wael Ibrahim