Patents by Inventor Alexandra Mayers

Alexandra Mayers has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20180144344
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Application
    Filed: January 18, 2018
    Publication date: May 24, 2018
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson, Alexandra Mayers
  • Patent number: 9886692
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Grant
    Filed: October 27, 2014
    Date of Patent: February 6, 2018
    Assignee: CHARTOLEAUX KG LIMITED LIABILITY COMPANY
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson, Alexandra Mayers
  • Publication number: 20160379221
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.
    Type: Application
    Filed: September 6, 2016
    Publication date: December 29, 2016
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson
  • Patent number: 9454752
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.
    Type: Grant
    Filed: December 13, 2002
    Date of Patent: September 27, 2016
    Assignee: CHARTOLEAUX KG LIMITED LIABILITY COMPANY
    Inventors: Michael J. Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson
  • Publication number: 20150073997
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Application
    Filed: October 27, 2014
    Publication date: March 12, 2015
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson, Alexandra Mayers
  • Patent number: 8872619
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Grant
    Filed: May 3, 2007
    Date of Patent: October 28, 2014
    Assignee: Xatra Fund MX, LLC
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson
  • Patent number: 7889052
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.
    Type: Grant
    Filed: January 10, 2003
    Date of Patent: February 15, 2011
    Assignee: Xatra Fund MX, LLC
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson
  • Patent number: 7607583
    Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
    Type: Grant
    Filed: October 13, 2007
    Date of Patent: October 27, 2009
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Michael J Berardi, Michael Bliman, David S Bonalle, Jennifer Anne Elwood, Becky Vander Eyk, Matthew C Hood, Susan E Isenberg, Leigh Malnati, Alexandra Mayers, Sue Mueller, Zarita Norcross, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, Lisa Skilling-Belmond, John R Williamson
  • Publication number: 20080203172
    Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
    Type: Application
    Filed: October 13, 2007
    Publication date: August 28, 2008
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Michael J. Berardi, Michael Bliman, David S. Bonalle, Jennifer Anne Elwood, Becky Vander Eyk, Matthew C. Hood, Susan E. Isenberg, Leigh Malnati, Alexandra Mayers, Sue Mueller, Zarita Norcross, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Lisa Skilling-Belmond, John R. Williamson
  • Patent number: 7306158
    Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
    Type: Grant
    Filed: June 30, 2003
    Date of Patent: December 11, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Becky Vander Eyk, Matthew C. Hood, Susan E. Isenberg, Leigh Malnati, Alexandra Mayers, Sue Mueller, Zarita Norcross, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Lisa Skilling-Belmond, John R. Williamson
  • Publication number: 20070265964
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Application
    Filed: May 3, 2007
    Publication date: November 15, 2007
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Michael Berardi, Michal Bliman, David Bonalle, Jennifer Elwood, Matthew Hood, Susan Isenberg, Alexandra Mayers, Peter Saunders, Kathryn Scheding, Sejal Shah, John Williamson
  • Patent number: 7249112
    Abstract: A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.
    Type: Grant
    Filed: December 13, 2002
    Date of Patent: July 24, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Michael J. Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson
  • Patent number: 7239226
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Grant
    Filed: July 9, 2002
    Date of Patent: July 3, 2007
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson
  • Publication number: 20050165695
    Abstract: A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.
    Type: Application
    Filed: December 13, 2002
    Publication date: July 28, 2005
    Inventors: Michael Berardi, Michal Bliman, David Bonalle, Jennifer Elwood, Matthew Hood, Susan Isenberg, Alexandra Mayers, Trevor Perry, Peter Saunders, Kathryn Scheding, Sejal Shah, Kristin VonWald, John Williamson
  • Publication number: 20040118930
    Abstract: The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.
    Type: Application
    Filed: June 30, 2003
    Publication date: June 24, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Becky Vander Eyk, Matthew C. Hood, Susan E. Isenberg, Leigh Malnati, Alexandra Mayers, Sue Mueller, Zarita Norcross, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Lisa Skilling-Belmond, John R. Williamson
  • Publication number: 20040049451
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.
    Type: Application
    Filed: July 9, 2002
    Publication date: March 11, 2004
    Inventors: Michael J. Berardi, Michal Bliman, David S. Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, John R. Williamson
  • Publication number: 20040010449
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.
    Type: Application
    Filed: December 13, 2002
    Publication date: January 15, 2004
    Inventors: Michael J. Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson
  • Publication number: 20030167207
    Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.
    Type: Application
    Filed: January 10, 2003
    Publication date: September 4, 2003
    Inventors: Michael J. Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C. Hood, Susan E. Isenberg, Alexandra Mayers, Trevor J. Perry, Peter D. Saunders, Kathryn D. Scheding, Sejal Ajit Shah, Kristin L. VonWald, John R. Williamson