Patents Assigned to American Express Travel Related Services
  • ENCRYPTION KEY EFFECTIVE DATE
    Publication number: 20170286713
    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: Application
    Filed: June 16, 2017
    Publication date: October 5, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: ALLAN CHRISTOPHER POMEROY, PHILIP JOHN LUNDRIGAN
  • MANNER OF DISPLAY IN A MOBILE APPLICATION
    Publication number: 20170289303
    Abstract: In various embodiments, the systems, methods and computer-readable mediums (collectively “system”) discussed herein may be configured to enable a single mobile application to receive dynamically customized content. The criteria and/or preferences that influence the dynamically customized content may be defined by a user and/or may be automatically detected by a user device. The criteria and/or preferences may be associated with the mobile application and/or a mobile device operating the mobile application. The criteria and/or preferences may be provided as part of a request for content to a content distribution system.
    Type: Application
    Filed: June 20, 2017
    Publication date: October 5, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: HANS-JURGEN GREINER, EDWARD LOUIS MORABITO, JR., MALLIKARJ U. HIREMATH, MUKUND SHANKAR SIMHA RAGHU, OWAIS MOHAIDEEN, SATHYAKUMAR RAJARAMAN, SUBIR SUD, VASIF MEHMOOD PASHA, KEVIN H. RINGGER
  • EXPENDITURES BASED ON AD IMPRESSIONS
    Publication number: 20170286996
    Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.
    Type: Application
    Filed: June 19, 2017
    Publication date: October 5, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sastry VSM Durvasula, Lucas Saunders Gebb, Rachna R. Govani, Priyadarshini Koul, Sarah Claire Peltier, Stephanie Schultz, Sripriya V. Tiku
  • SPLITTING GROUP CHARGES
    Publication number: 20170286941
    Abstract: A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. The method may comprise receiving, by a bill splitting computer-based system, a single record of charge (ROC) associated with a purchase by one or more members of a group, and splitting, by the bill splitting computer-based system, the ROC between the members of the group.
    Type: Application
    Filed: June 20, 2017
    Publication date: October 5, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: RAJESH K. AADI, MANSOOR A. JAFARY, ROBERT B. MAWK, NAGARAJ S. PANDIT, GANESHBABU G. SUBRAMANIAN
  • FORM FACTOR WITH AN ALIAS CODE AND A SECURE CHIP ID
    Publication number: 20170286945
    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: Application
    Filed: June 21, 2017
    Publication date: October 5, 2017
    Applicant: 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
  • Encryption key effective date
    Patent number: 9779265
    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: June 16, 2017
    Date of Patent: October 3, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Allan Christopher Pomeroy, Philip John Lundrigan
  • SYSTEMS AND METHODS FOR ASYNCHRONOUS COMMUNICATION
    Publication number: 20170279758
    Abstract: A system may receive a first message transmitted over a network from a first device. A first invitation to join a text-based communication channel may be transmitted to the first device in response to the first message. A second invitation may be transmitted to a second device to join the text-based communication channel with the server configured to retain context of the text-based communication channel. The system may receive a second message transmitted from the second device and may transmit a third invitation to the first device to join the text-based communication channel in response to the second message.
    Type: Application
    Filed: March 25, 2016
    Publication date: September 28, 2017
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Lauren B. Acquista, Donald R. Bloyer, III, Yevgeny Gladun, Anish Jacob, Joseph S. Kueser, Mitchel J. Sandlin, Mahesh Subramanian, Shelly Yanushpolsky
  • SYSTEM AND METHOD FOR CLOSING PRE-AUTHORIZATION AMOUNTS ON A VIRTUAL TOKEN ACCOUNT
    Publication number: 20170278099
    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: Application
    Filed: March 25, 2016
    Publication date: September 28, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Jeremiah Curry, VIVEKANANDAN VAITHINATHAN
  • Smart phone system and method
    Patent number: 9773234
    Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.
    Type: Grant
    Filed: March 31, 2015
    Date of Patent: September 26, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Aruj Ahluwalia, Vernon Marshall, Satish Thenthiruperai Narayanan, Andrew Roth, Xiongwen Rui, Thomas K. Serge
  • SYSTEMS AND METHODS FOR BILL PAYMENT WITH DYNAMIC LOAN CAPACITY
    Publication number: 20170270603
    Abstract: A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.
    Type: Application
    Filed: March 16, 2016
    Publication date: September 21, 2017
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Cecile Berta, Mehdi Esmail, Manish Gupta, Malerie Luciano, Houman Motaharian, Art Ricciardi, Aparna Sarin, Brett Sussman, Fernando Valdes
  • MULTI-FACTOR MOBILE USER AUTHENTICATION
    Publication number: 20170270509
    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: Application
    Filed: June 6, 2017
    Publication date: September 21, 2017
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: JOANNA COLEGATE, CHARLIE CRAVEN, CHRISTOPHER ADRIAN KONG, JONATHAN LUPTON, JAMES H. MARSDEN
  • System and method for providing coupon-less discounts based on a user broadcasted message
    Patent number: 9767467
    Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
    Type: Grant
    Filed: March 2, 2012
    Date of Patent: September 19, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf
  • Systems and methods for secure one-time password validation
    Patent number: 9769157
    Abstract: A system may generate a seed one-time password (OTP). The system may also perform steps including transmitting the seed OTP to a user device, receiving a response OTP from the user device, and calculating an expected response OTP by applying a function to the seed OTP. The system may then compare the response OTP to the expected response OTP and send a result in response to comparing the response OTP to the expected response OTP.
    Type: Grant
    Filed: September 21, 2015
    Date of Patent: September 19, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Wael Ibrahim, Upendra Mardikar
  • SYSTEMS AND METHODS FOR PROCESSING METADATA STATEMENTS IN PAYMENT FLOWS
    Publication number: 20170262854
    Abstract: A system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. The system may transmit a request to authenticate a user associated with the transaction account. The request to authenticate uses the transaction authorization protocol. The system may also receive an authentication message using the transaction authorization protocol. The authentication message may comprise authentication metadata that indicates an authentication type and/or an authentication outcome. The authentication type may include biometric authentication techniques.
    Type: Application
    Filed: March 10, 2016
    Publication date: September 14, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Michael Donovan, Jonathan Lupton, Upendra Mardikar
  • Systems and Methods for Regulating Transactions
    Publication number: 20170262848
    Abstract: The systems may include 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/or sending an authorization response in response to comparing the action parameter with transaction identification information.
    Type: Application
    Filed: March 14, 2016
    Publication date: September 14, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kathi Bernstein, David Ockwell, Michael Stuart Smith
  • RANKING MERCHANTS
    Publication number: 20170262872
    Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.
    Type: Application
    Filed: May 24, 2017
    Publication date: September 14, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: TERRENCE FISCHER, ANDREW K. SMITH, MICHAEL WANG
  • Anonymous information exchange
    Patent number: 9760735
    Abstract: A third party facilitates exchange of customer data between first and second entities while maintaining customer privacy. Personally identifiable information (PII) and first entity customer attributes of a first set of customers are received from a first entity. PII for a second set of customers is received from a second entity. First and second set common customers are identified using the PII of the first and the second set of customers. Subsequently, a list of third set of customers is sent to the second entity. The list of third set of customers includes the common customers and a plurality of other customers from the second set of customers. Second entity customer attributes are received for each customer in the list of third set of customers. Further, the first entity customer attributes of the common customers and the second entity customer attributes of the common customers are linked.
    Type: Grant
    Filed: September 3, 2014
    Date of Patent: September 12, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Mehmet E. Dedeoglu, Iwao Fusillo, Eddie J. Alvarez, Qaiser S. Shakeel, Andrew E. Roth, Lewis A. Tierney
  • Systems and methods for delivering tailored content based upon a consumer profile
    Patent number: 9760895
    Abstract: The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.
    Type: Grant
    Filed: June 4, 2012
    Date of Patent: September 12, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Robert E. Morgan, Hitesh K. Seth
  • Metal-containing transaction cards and methods of making the same
    Patent number: 9760816
    Abstract: A transaction card is provided comprising a card body comprising a metallic material, the card body including a primary surface, a secondary surface, an aperture and a slit, wherein the primary surface and the secondary surface are coated with a diamond like carbon (DLC) coating.
    Type: Grant
    Filed: May 25, 2016
    Date of Patent: September 12, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Troy Patrick Williams, Peter Bates
  • SYSTEMS AND METHODS FOR TRANSACTION ACCOUNT TOKENIZATION
    Publication number: 20170255937
    Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.
    Type: Application
    Filed: March 2, 2016
    Publication date: September 7, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Ajay B. Maddukuri, Keshav A. Narsipur