Patents Assigned to American Express Travel Related Services
  • Intelligent matching of a user to an agent for a communication session
    Patent number: 11902468
    Abstract: Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device with a processor and a memory. The system also includes machine-readable instructions stored in the memory, that when executed, cause the computing device to at least receive a request from a client device to communicate with an agent. The request is associated with a user account. Interaction data associated with the user account is identified. User scores for the user account are determined based on the interaction data. A user segment for the user account is determined based on the user scores. The system identifies an agent to participate in the communication session based on the agent being associated with the user segment and establishes the communication session between an agent client device of the agent and the client device.
    Type: Grant
    Filed: November 22, 2021
    Date of Patent: February 13, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Stuart Rolinson, Sibish Basheer, Mariswaran Balasubramanian
  • System to automatically categorize
    Patent number: 11900475
    Abstract: A machine-learning system which utilizes neural networks and other machine learning concepts to automatically categorize a stream of data. Known financial data can be analyzed and trained as part of a machine learning system. Then, a new set of a financial data for a particular user can be analyzed and automatic determinations can be made whether the user is a small business or consumer, and what industry the user is in.
    Type: Grant
    Filed: January 27, 2022
    Date of Patent: February 13, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Robert Frohwein, Benjamin Cowen
  • Computer-based systems for data entity matching detection based on latent similarities in large datasets and methods of use thereof
    Patent number: 11899676
    Abstract: At least some embodiments are directed to an entity matching detection system. The entity matching detection system includes a latent similarity identification machine learning model that receives one or more data records and generates a final similarity score indicative of a latent similarity between the one or more data records and a second data record. The entity matching detection system can identify lexical and semantic similarities between attribute values and can analyze and compute similarity scores for direct-linked attribute values and cross-linked attribute values extracted from different data records.
    Type: Grant
    Filed: December 12, 2022
    Date of Patent: February 13, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Arpan Somani, Salil Rajeev Joshi, Shourya Roy
  • Computer-based platforms configured for automated early-stage application security monitoring and methods of use thereof
    Patent number: 11895142
    Abstract: The systems and methods disclosed herein comprise computer-based platforms configured for automated early-stage application security monitoring for allowing users (e.g., application developers) to make decisions at the early stage of the application development.
    Type: Grant
    Filed: December 21, 2022
    Date of Patent: February 6, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Asish Soudhamma, Dilip Kumar, Pratik Rajendraprasad Kasat, Andrew Michael Zammit, Gregory Huff
  • System and method for providing a bluetooth low energy mobile payment system
    Patent number: 11893567
    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: May 17, 2021
    Date of Patent: February 6, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: David Baldie
  • Merchant suggestions based on a merchant score
    Patent number: 11893605
    Abstract: A system and method for generating personalized content for a user device. In one example, a system can cause a computing device to generate a merchant score for a plurality of merchants based at least in part on merchant statistics and display a user interface on a user device of a user. The user interface includes a subset of the merchants that have been identified for a user based at least in part on the merchant score. Clickstream data can be received from the user interface displayed on the user device. An updated merchant score can be generated based at least in part on the user preference. A sorting habit for the user is determined based at least in part on a user-specified sort received from the user interface. A modified subset of the merchants is displayed on the user device based on the sorting habit.
    Type: Grant
    Filed: February 11, 2022
    Date of Patent: February 6, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Emily E. Gould, Kristen N. Oldenburger, Alice Park, Seth M. Ross, Mohammad Torkzahrani, Venkat Varadachary
  • Automated data extraction and adaptation
    Patent number: 11886958
    Abstract: Systems and methods for automated data extraction and adaptation are disclosed. The system may receive a data input from an external source using various different input channels. The system may determine a data quality of the data input by comparing data fields of the data input to known metadata in the system. The system may reformat the data input based on the comparison to a format consumable by downstream applications and services. The system may apply various machine learning operations on the data input including a descriptive analytics analysis, a predictive learning analysis, and/or a prescriptive intelligence analysis.
    Type: Grant
    Filed: February 4, 2019
    Date of Patent: January 30, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Rares Ioan Almasan, Rebecca L. Henry, Rahul Menon
  • Hybrid identity as a service for decentralized browser based wallets
    Patent number: 11887112
    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: Grant
    Filed: January 3, 2019
    Date of Patent: January 30, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Jitendra Singh Dikhit, Alaric M. Eby, Andras L. Ferenczi, Ashish Kumar, Upendra Mardikar
  • Automated remote payments between a vehicle and a refueling station
    Patent number: 11875418
    Abstract: A system and method for automated remote payments between a vehicle and a refueling station is disclosed. The system may enable the vehicle to initiate an automated remote payment to the refueling station without needing the user to manually input transaction account information, or to manually prepay for the transaction. The refueling station may detect when the vehicle is in proximity, and the vehicle and the refueling station may open communications to transmit data. The vehicle may transmit vehicle identifying data to the refueling station, and the refueling station may communicate the vehicle identifying data to a payment network to authorize the transaction. In response to authorizing the transaction, the vehicle may proceed with refueling at the refueling station.
    Type: Grant
    Filed: June 7, 2018
    Date of Patent: January 16, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Wael Ibrahim
  • BOT FACTORY ENVIRONMENT
    Publication number: 20240012620
    Abstract: Disclosed herein are method, system, and computer product embodiments for generating a graphical user interface (GUI) to visually represent a programmatic process with various process objects. This may also include interacting with interfaces of the GUI to update the programmatic process. Process objects may contain a hierarchy of functions. Through interaction with the GUI registration interface a process object may be modified such that the hierarchy of functions is changed. Additional process objects may be defined based on a hierarchy of functions. The GUI may also include an analysis interface which may display timing data associated with execution of the programmatic process.
    Type: Application
    Filed: September 20, 2023
    Publication date: January 11, 2024
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Baranidharan CHINNASAMY, Manjunath DEVADI, Chandler HELMUTH, Mitchell KURMAN, Vijayakumar Sitha MOHAN, Saurabh PATHAK, Florian POPESCU
  • MOBILE TELEPHONE TRANSFER OF FUNDS
    Publication number: 20240013171
    Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.
    Type: Application
    Filed: September 11, 2023
    Publication date: January 11, 2024
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jessica U. JONES, Lee J. PEART, Blayn W. BEENAU, Peter D. SAUNDERS
  • Distributed ledger based machine-learning model management
    Patent number: 11868911
    Abstract: Disclosed are various approaches for managing the status of machine-learning models using distributed ledgers. A registration request for a machine-learning model can be received. The registration request can include a model name for the machine-learning model, a version identifier for the machine-learning model, a network address from which the machine-learning model can be retrieved, a source code hash for a source code version of the machine learning model, and a runtime hash for a binary executable version of the machine-learning model. A registration identifier can then be created based at least in part on the source code hash and the runtime hash. Subsequently, an entry in the distributed ledger can be created for the machine-learning model. The entry can include the registration identifier, the model name, the model version, the network address, the source code hash, and the runtime hash.
    Type: Grant
    Filed: March 5, 2020
    Date of Patent: January 9, 2024
    Assignee: American Express Travel Related Services Company, INC.
    Inventors: Rares Ioan Almasan, Andras L. Ferenczi, Mohammad N. Nauman, Swatee Singh, Man Chon U
  • Systems and methods for distributing advertisements
    Patent number: 11869035
    Abstract: An advertisement distribution system, method, and computer readable medium (collectively, the “System”) is provided. The System may request posts containing a subject tag from social media operators. The posts may be made by merchants having a relationship with the System. The System may filter the posts based on filters, geographic data, and member preferences. The System may distribute the posts to members having a relationship with the System.
    Type: Grant
    Filed: January 17, 2020
    Date of Patent: January 9, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jonathan J. Carroll, Hans-Jurgen Greiner, Padmaja Kodavanti, Gopinath Kondapally, Kevin H. Ringger, James Jerome Smart-Foster, Arun Swamy
  • Systems and methods for electronic payment using loyalty rewards
    Patent number: 11869030
    Abstract: A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.
    Type: Grant
    Filed: November 27, 2019
    Date of Patent: January 9, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manish K. Deliwala, Rajesh K. Namboodiri, Keshav A. Narsipur, Huei Ong, Tony Prentice, Lisa C. Yokoyama, Santhosh R. Rao
  • System, method and computer readable storage for enabling an instantaneous instrument
    Patent number: 11861592
    Abstract: A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.
    Type: Grant
    Filed: January 8, 2016
    Date of Patent: January 2, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Rob Frohwein, Kathryn Petralia
  • Secured account provisioning and payments for NFC-enabled devices
    Patent number: 11861605
    Abstract: Systems, methods, and articles of manufacture for secured account provisioning and payments using user computing devices are provided. One such method comprises obtaining an account payload by the user computing device, wherein the account payload comprises a payment credential associated with a transaction account of a user of the user computing device; generating a storage encryption (ENC) key and a storage message authentication code (MAC) key based on at least a device fingerprint of the user computing device and a storage root key; encrypting, the account payload with the storage ENC key to form an encrypted account payload; generating a digital signature of the encrypted account payload using the storage MAC key; and storing the encrypted account payload and the digital signature in a secured database of the user computing device.
    Type: Grant
    Filed: November 10, 2021
    Date of Patent: January 2, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Manish K. Deliwala, Varaprasad Kotha, Ajay Babu Maddukuri
  • Garbage collection for object-based storage systems
    Patent number: 11861206
    Abstract: Disclosed are various embodiments for garbage collection for object-based storage systems. A first set of objects stored by an object storage service that have been accessed within a previously defined date range is identified. Then, a second set of objects stored by the object storage service is identified based at least in part on a relationship to one or more objects in the first set of objects. Next, a third set of objects stored by the object storage service that have been created prior to a predefined date is identified. Then, a subset of objects which are members of the third set of objects and not members of the first set of objects or the second set of objects is identified. Finally, a retention action is performed on individual members of the subset of objects based at least in part on a retention policy.
    Type: Grant
    Filed: January 28, 2021
    Date of Patent: January 2, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Lakshman Chaitanya, Arindam Chatterjee, Pratap Singh Singh Rathore, Shourya Roy, Nitish Sharma, Swatee Singh, Mohammad Torkzahrani
  • PRESENTING A PERSONALIZED VALUE ADDED OFFER DURING AN ADVANCED VERIFICATION PROCESS
    Publication number: 20230421546
    Abstract: Systems and methods for presenting a personalized value added offer during an advanced verification process are provided. An access control server may receive an enrollment verification request comprising data relating to an account holder. The server may determine an enrollment status of the account holder and determine a value added offer based on the account holder. The server may display an advanced verification interface for user input. The advanced verification interface may include the value added offer and/or a security credential prompt. The server may personalize the advanced verification interface and/or the value added offer based on monitoring the system and compiling historical transaction data.
    Type: Application
    Filed: July 10, 2023
    Publication date: December 28, 2023
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Thomas L. BETHKE, II, Umesh Singh CHAUHAN, Nageshwara R. CHIRRAVURI, Danielle R. CLOUD, Mark R. REESE, James D. VAUGHN
  • User interface for depicting informational elements for selectable items
    Patent number: 11847303
    Abstract: A computing device (e.g., a server, a cloud-based device, a network device, an item analysis device, etc.) may receive location information indicating a geographic location of a user device and image data captured by the user device of a listing (e.g., a menu, an event ticket, a content source, etc.) for a selectable item. The computing device may determine an entity offering the selectable item based on the location information. An intent indicator for the selectable item may be determined based on the entity and the information for the selectable item. An instruction to the user device may cause modification of the image data to indicate the intent indicator based on the intent indicator satisfying an intent threshold that defines a level at which an intent is classified as a positive intent.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: December 19, 2023
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Matthew Stephen Bodell, Sorin Grigore, Josephine Shapiro, Indiana Maria Baltodano
  • Offers selected during authorization
    Patent number: 11836757
    Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.
    Type: Grant
    Filed: June 9, 2022
    Date of Patent: December 5, 2023
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Ruth L. Aloni, Benzion T. Axelrod, Jean L. Bowman, Jack J. Funda, Jonathan S. Polon, Sripriya V. Tiku