Patents Assigned to AMERICAN EXPRESS TRAVEL RELATED
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Publication number: 20240013171Abstract: 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: ApplicationFiled: September 11, 2023Publication date: January 11, 2024Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Jessica U. JONES, Lee J. PEART, Blayn W. BEENAU, Peter D. SAUNDERS
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Patent number: 11869030Abstract: 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: GrantFiled: November 27, 2019Date of Patent: January 9, 2024Assignee: 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
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Patent number: 11869035Abstract: 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: GrantFiled: January 17, 2020Date of Patent: January 9, 2024Assignee: 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
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Patent number: 11868911Abstract: 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: GrantFiled: March 5, 2020Date of Patent: January 9, 2024Assignee: American Express Travel Related Services Company, INC.Inventors: Rares Ioan Almasan, Andras L. Ferenczi, Mohammad N. Nauman, Swatee Singh, Man Chon U
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Patent number: 11861592Abstract: 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: GrantFiled: January 8, 2016Date of Patent: January 2, 2024Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Rob Frohwein, Kathryn Petralia
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Patent number: 11861206Abstract: 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: GrantFiled: January 28, 2021Date of Patent: January 2, 2024Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCInventors: Lakshman Chaitanya, Arindam Chatterjee, Pratap Singh Singh Rathore, Shourya Roy, Nitish Sharma, Swatee Singh, Mohammad Torkzahrani
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Patent number: 11861605Abstract: 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: GrantFiled: November 10, 2021Date of Patent: January 2, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Manish K. Deliwala, Varaprasad Kotha, Ajay Babu Maddukuri
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Publication number: 20230421546Abstract: 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: ApplicationFiled: July 10, 2023Publication date: December 28, 2023Applicant: 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
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Patent number: 11847303Abstract: 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: GrantFiled: August 22, 2022Date of Patent: December 19, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Matthew Stephen Bodell, Sorin Grigore, Josephine Shapiro, Indiana Maria Baltodano
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Patent number: 11836757Abstract: 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: GrantFiled: June 9, 2022Date of Patent: December 5, 2023Assignee: 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
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Patent number: 11823072Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data in the form of a flat file. An extraction tool extracts data. A model validation tool validates a model by scoring an analytical environment data set and a production environment data set. A model execution tool allows a user to select when and how often a model is scored.Type: GrantFiled: October 4, 2018Date of Patent: November 21, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Narasimha Murthy, Mickey S. Oralevich, Sandeep Sacheti, Deep Thomas
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Publication number: 20230368175Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.Type: ApplicationFiled: June 22, 2023Publication date: November 16, 2023Applicant: American Express Travel Related Services Company, Inc.Inventors: Adam Forrest COVERSTONE, August John HORVATH, Sai Prajnay MITTA, Jyothi MOHAN, Veerababu MOTAMARRI, Subhani PATTHAN, Marko RODRIGUEZ, Jared Hale TRINKLER, Yan YANG
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Patent number: 11817999Abstract: At least some embodiments are directed to a system that receives from an online portal loaded in a computing device, a user request to instantiate a server cluster in a hybrid computer network. The system authenticates and redirects the user request to a selected computer network configured in the hybrid computer network. The system instantiates the server cluster in the selected computer network causing the server cluster to initiate a microservice agent during bootup. The system sends a command to the server cluster to initiate the execution of a process and receives from the microservice agent event data associated with the process. The system inputs the event data into a trained machine learning model to determine a first execution state of the process and sends a command to change the first execution state of the process to a second execution state.Type: GrantFiled: November 17, 2021Date of Patent: November 14, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Pratap Singh Rathore, Arindam Chatterjee, Nitish Sharma, Brian Rosenfield, Shourya Roy, Rahul Ghosh, Krishnaprasad Narayanan
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Patent number: 11803355Abstract: A system for a bot factory environment is disclosed. The system may receive a graphical process model. The system may compile a bot based on the graphical process model. The system may validate the bot to generate a validated bot. The system may register the validated bot to a registry table. The system may deploy the validated bot to a runtime environment.Type: GrantFiled: January 29, 2019Date of Patent: October 31, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Baranidharan Chinnasamy, Manjunath Devadi, Chandler Helmuth, Mitchell Kurman, Vijayakumar Sitha Mohan, Saurabh Pathak, Florian Popescu
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Publication number: 20230342480Abstract: 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: ApplicationFiled: June 27, 2023Publication date: October 26, 2023Applicant: American Express Travel Related Services Company, Inc.Inventors: Jitendra S. DIKHIT, Alaric EBY, Andras L. FERENCZI, Ashish KUMAR
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Patent number: 11800316Abstract: In various embodiments, a micro registry may be a mobile communication platform that is configured to connect to users and service hosts. The micro registry may facilitate advertisements, payments, communication, loyalty, behavior tracking, social media interaction, and/or any other suitable communication advertising, or transaction between a user and a service host. The micro registry may employ BLE beacons that enable the micro-registry to identify micro-locations and facilitate connections (e.g., interfaces, interactions, communications, etc.) between user devices and service hosts and/or merchants.Type: GrantFiled: May 4, 2022Date of Patent: October 24, 2023Assignee: American Express Travel Related Services Company, INC.Inventors: Mike Cahill, Graeme Fordyce, David Yoo
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Patent number: 11797868Abstract: At least some embodiments are directed to an insights inference system that produces multiple insights associated with an entity. The insights inference system generates a decision tree machine learning model, assigning a first insight to a parent node of a decision tree machine learning model and assigning at least one second insight to child nodes of the decision tree machine learning model. Each child node is associated with a sequence number and a rank number. The sequence number and the rank number are indicative of a significance associated with the at least one second insight. The insight inference system responds to queries by traversing the decision tree machine learning model to compute at least one response insight based on the sequence number and the rank number associated with each child node and outputs the at least one response insight to a client terminal.Type: GrantFiled: December 5, 2019Date of Patent: October 24, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Varun Agarwal, Krishnaprasad Narayanan, Rahul Ghosh, Swetha P. Srinivasan, Anshul Jain, Bobby Chetal, Ashni Jauhary
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Patent number: 11790679Abstract: A system provides an end-to-end solution for invoice processing which includes reading files (such as pdfs and images), extracting key relevant information from the files, organizing the relevant information in a structured template as a key-value pair, and comparing files based on the similarities between different file fields to identify potential duplicate files.Type: GrantFiled: August 29, 2022Date of Patent: October 17, 2023Assignee: 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
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Patent number: 11790332Abstract: 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: GrantFiled: January 17, 2019Date of Patent: October 17, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders
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Patent number: 11789940Abstract: Disclosed are various approaches for providing a natural language interface for searching databases. A natural language query is parsed to identify a plurality of tokens. At least one operator is identified with a machine-learning model based at least in part on the plurality of tokens. Next, at least one attribute and at least one respective attribute value are identified with a machine-learning model based at least in part on the plurality of tokens. Then, at least one constraint is identified with a machine-learning model based at least in part on the plurality of tokens. Finally, a machine language query is generated based at least in part on the at least one operator, the constraint(s), the attribute(s), and the respective attribute value(s).Type: GrantFiled: September 30, 2019Date of Patent: October 17, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Yue Jiao, Salil Joshi, Shourya Roy, Dawn Thomas, Bharath Venkatesh