Patents Assigned to American Express Travel Related Services
  • COMPUTER-BASED SYSTEMS UTILIZING CARDS WITH CELLULAR CAPABILITIES AND METHODS OF USE THEREOF
    Publication number: 20220374862
    Abstract: In various some embodiments a cellular card includes at least one microprocessor. The cellular card is equipped with multiple devices and configured with multiple functionalities to deter use of the cellular card in unsecure or fraudulent transactions. In various embodiments, the cellular card overcomes drawbacks often associated with cards containing batteries such as battery overheating, battery short life time, battery underperformance in extreme temperatures, and other types of drawbacks associated with batteries contained in cards.
    Type: Application
    Filed: August 4, 2022
    Publication date: November 24, 2022
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Russell WOLFE, James Bruce COLEMAN
  • System and method for closing pre-authorization amounts on a virtual token account
    Patent number: 11488146
    Abstract: Disclosed are various embodiments for closing pre-authorization amounts on a virtual token account. In one example, among others, a computing device is configured to generate a virtual token that is associated with a parent transaction account. An authorization request is received for a virtual token transaction, which is associated with the virtual token. A transaction request amount is compared to a virtual token balance of the virtual token. The authorization request for the virtual token transaction is authorized based on the comparison between the transaction request amount and the virtual token balance. The computing device determines not to expire the virtual token based on a comparison between the settlement variance and the virtual token balance. The settlement variance is adjusted based on the virtual token balance being within a threshold of the settlement variance.
    Type: Grant
    Filed: June 11, 2020
    Date of Patent: November 1, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Jeremiah Curry, Vivekanandan Vaithinathan
  • Systems and methods for blockchain based proof of payment
    Patent number: 11468439
    Abstract: A proof-of-payment system may receive a payment confirmation including a transaction amount and a merchant identifier. The system may select a record from a registration repository by matching the merchant identifier to the record. The record may have a public key associated with the merchant identifier via a registration process, for example. The system may also generate a proof-of-payment payload comprising an identifier and a payment amount, and encrypt the proof-of-payment payload using the public key. The system may write the encrypted proof-of-payment payload to a blockchain maintained on a first blockchain node.
    Type: Grant
    Filed: January 12, 2017
    Date of Patent: October 11, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Sastry Durvasula, Andras Ferenczi, Sathish Muthukrishnan, Vishnuvajhala V. Subrahmanyam
  • Systems and methods for data file transfer balancing and control on blockchain
    Patent number: 11461768
    Abstract: A balance and control system may write a data file transfer confirmation from a transmitter system to a blockchain in response to the transmitter system transmitting a data file to a receiver system with the confirmation including a transmitter system address, a receiver system address, and a first hash of the data file. The system may also write a data file transfer acknowledgement from a receiver system to the blockchain with the acknowledgement including the transmitter system address, the receiver system address, and a second hash of the data file. The blockchain may execute a smart contract to compare the first hash of the data file to the second hash of the data file to identify an out-of-balance file transfer event. A monitoring device of the B&C system may read the out-of-balance file transfer event from the blockchain.
    Type: Grant
    Filed: August 21, 2017
    Date of Patent: October 4, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Shyamala Chalakudi, Ming Yin
  • VIRTUAL POINT OF SALE
    Publication number: 20220300938
    Abstract: A merchant registers a geolocation for a virtual point of sale. A consumer points a consumer device at the geolocation, and an icon representing the virtual point of sale is displayed on the consumer device in augmented reality. The consumer selects the icon to initiate a transaction with a digital wallet on the consumer device.
    Type: Application
    Filed: June 9, 2022
    Publication date: September 22, 2022
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Kinderley CHARLES, Manish Kumar DAS, Venkata RAMA RAO INUGANTI, Prasad Prakash KANVINDE, Phillip SALVANT, Marami SEN, Christopher Paul SHERIDAN
  • OFFERS SELECTED DURING AUTHORIZATION
    Publication number: 20220301000
    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: Application
    Filed: June 9, 2022
    Publication date: September 22, 2022
    Applicant: 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
  • Data extraction and duplicate detection
    Patent number: 11450129
    Abstract: A system provides an end-to-end solution for invoice processing which includes reading invoices (both pdfs and images), extracting key relevant information from the face of invoices, organizing the relevant information in a structured template as a key-value pair, and comparing invoices based on the similarities between different invoice fields to identify potential duplicate invoices.
    Type: Grant
    Filed: October 9, 2020
    Date of Patent: September 20, 2022
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Lokesh Bhatnagar, Himanshu Sharad Bhatt, Manoj Bhokardole, Gabriella P. Fitzgerald, Vinit Jain, Chetan Lohani, Shachindra Pandey, Gunjan Panwar, Shourya Roy, Di Xu
  • Systems and methods for loyalty point distribution
    Patent number: 11449887
    Abstract: A blockchain-based loyalty point system may include a blockchain API host that receives a request to transfer an amount of loyalty points from a first customer account to a second customer account. The system may validate the request by performing a cryptographic operation on the request using a public key associated with the first customer account. The system may also propagate a proposal to consensus participants for writing to a blockchain, wherein the proposal comprises the first customer account, the second customer account, and the amount of loyalty points. The system may also receive an exchange request from a loyalty wallet associated with the second customer account, validate the exchange request by performing the cryptographic operation on the exchange request using a public key, and propagate an exchange proposal to the consensus participants for writing to the blockchain.
    Type: Grant
    Filed: October 9, 2017
    Date of Patent: September 20, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Sastry Durvasula, Andras Ferenczi, Harish Naik, Vishnuvajhala Subrahmanyam
  • COMPUTER-BASED SYSTEM FOR ANALYZING AND QUANTIFYING CYBER THREAT PATTERNS AND METHODS OF USE THEREOF
    Publication number: 20220294819
    Abstract: At least some embodiments are directed to a computer-based cyber-attack frequency tracking system that determines types and frequencies of cyber-attacks. In at least some embodiments, the method of a cyber-attack frequency tracking system may operate a processor in an enterprise computing environment for automatically conducting a process that comprises receiving, a plurality of data values that represent a plurality of cyber-attacks. Determining cyber-attack types, and then determining the frequency of attempts and contacts with assets. After that determining likelihood values. Aggregating these determinations to produce a quantifiable value of a likelihood values of each of the plurality of cyber-attack types.
    Type: Application
    Filed: June 2, 2022
    Publication date: September 15, 2022
    Applicant: American Express Travel Related Services Co., Inc.
    Inventors: Douglas S. Talbot, Phillip Collett, Tony Durivaux
  • Single sign-on solution using blockchain
    Patent number: 11443025
    Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.
    Type: Grant
    Filed: March 31, 2020
    Date of Patent: September 13, 2022
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Virtual point of sale
    Patent number: 11436585
    Abstract: A merchant registers a geolocation for a virtual point of sale. A consumer points a consumer device at the geolocation, and an icon representing the virtual point of sale is displayed on the consumer device in augmented reality. The consumer selects the icon to initiate a transaction with a digital wallet on the consumer device.
    Type: Grant
    Filed: December 19, 2017
    Date of Patent: September 6, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Kinderley Charles, Manish Kumar Das, Venkata Rama Rao Inuganti, Prasad Prakash Kanvinde, Phillip Salvant, Marami Sen, Christopher Paul Sheridan
  • Data indexing system using dynamic tags
    Patent number: 11423065
    Abstract: A data indexing system may use dynamic tags to increase findability and relativity of located datasets. The dynamic tags may be generated based on captured search log data. The system may calculate various parameters used to determine the findability and relativity of a given dataset. The system may calculate a dynamic tag score based on the calculated parameters. The system may store the dynamic tags and the associated dynamic tag score with the given dataset.
    Type: Grant
    Filed: June 17, 2019
    Date of Patent: August 23, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Ashish Kumar, Yousef Mofidi, Ruchika Panesar, Dhruv Navinchandra Shah, Jaskirat Singh
  • Optimizing user task schedules in a customer relationship management platform
    Patent number: 11416791
    Abstract: Systems and methods for optimizing user task schedules in a customer relationship management (CRM) platform is disclosed. The system may optimally input tasks into time slots in a user schedule to generate the optimized user task schedule. The system may generate a plurality of user task schedules and calculate a total task win probability for each of the user task schedules. The system may comprise the total task win probabilities and select the user task schedule having the greatest total task win probability. The system may also perform a genetic processing analysis of the user task schedules to further optimize task placement in the user task schedule.
    Type: Grant
    Filed: February 22, 2019
    Date of Patent: August 16, 2022
    Assignee: American Express Travel Related Services, Inc.
    Inventors: Hector Flores, Abhishek Jain, Robin Jain, Yogaraj Jayaprakasam, Srinivas K. Kumandan, Jordan Meyerowitz
  • Automated remote transactions between a vehicle and a lodging system
    Patent number: 11416784
    Abstract: A system and method is disclosed for automated remote transactions between a vehicle and a lodging system. The system may enable the vehicle to initiate an automated remote transaction to the lodging system to book an accommodation and complete a remote payment. The lodging system may transmit available accommodations to the vehicle. The vehicle may respond with a booking request comprising an accommodation selection and vehicle identifying data and the lodging system may communicate the vehicle identifying data to a payment network to authorize the remote transaction. In response to authorizing the remote transaction, the lodging system may complete the booking request with the vehicle.
    Type: Grant
    Filed: June 14, 2018
    Date of Patent: August 16, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventor: Wael Ibrahim
  • Computer-based systems configured for machine learning version control of digital objects and methods of use thereof
    Patent number: 11416700
    Abstract: In some embodiments, a version control system receives a first version of a digital object and a second version of the digital object. The version control system extracts data from the first version of the digital object, and data from the second version of the digital object. The version control system utilizes a categorization machine learning model to generate structured representations of the first digital object and a second digital object. The version control system identifies differences between the two digital objects and utilizes a natural language technique to produce pseudo-instructions representing an update request. The version control system validates differences between the two digital objects and sends an auto-validation report to a client computing device when the differences are compliant with the pseudo-instructions.
    Type: Grant
    Filed: December 5, 2019
    Date of Patent: August 16, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Himanshu S. Bhatt, Shourya Roy, Harvey R. Raymundo, Paridhi Jain, Heather A. Cole, Sarah A. Sharma, Christine Malczanek, Rohit Bhiogade
  • Computer-based systems utilizing cards with cellular capabilities and methods of use thereof
    Patent number: 11416840
    Abstract: In various some embodiments a cellular card includes at least one microprocessor. The cellular card is equipped with multiple devices and configured with multiple functionalities to deter use of the cellular card in unsecure or fraudulent transactions. In various embodiments, the cellular card overcomes drawbacks often associated with cards containing batteries such as battery overheating, battery short life time, battery underperformance in extreme temperatures, and other types of drawbacks associated with batteries contained in cards.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: August 16, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Russell Wolfe, James Bruce Coleman
  • Procurement system using blockchain
    Patent number: 11410136
    Abstract: A procurement system and process using blockchain is disclosed. The procurement system may facilitate procurement reconciliation between procurement initiators, clients, suppliers, and/or transaction processors, using blockchain. Each party may comprise a blockchain node configured to interact with a procurement blockchain. The procurement process may be controlled by a billing smart contract and a client smart contract configured to enforce data workflows and establish trust between the parties.
    Type: Grant
    Filed: August 1, 2018
    Date of Patent: August 9, 2022
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Jane E. Cook, Andras L. Ferenczi, Nat Grauman, Nilesh Y. Jadhav, Harish R. Naik, Rosa W. Tang
  • Loyalty point distributions using a decentralized loyalty ID
    Patent number: 11397962
    Abstract: A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.
    Type: Grant
    Filed: February 15, 2019
    Date of Patent: July 26, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Andrew Martin Baal Thomas
  • Authenticating based on a device identifier
    Patent number: 11392921
    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: July 6, 2020
    Date of Patent: July 19, 2022
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Joanna Colegate, Charlie Craven, Christopher Adrian Kong, Jonathan Lupton, James H. Marsden
  • Wrist band
    Patent number: D969127
    Type: Grant
    Filed: July 3, 2019
    Date of Patent: November 8, 2022
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventor: Andrew Lei