Patents by Inventor Blayn W. Beenau
Blayn W. Beenau 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).
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Publication number: 20150220910Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proferred biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: ApplicationFiled: April 16, 2015Publication date: August 6, 2015Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20140164229Abstract: 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: February 4, 2014Publication date: June 12, 2014Applicant: 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: 8688570Abstract: A funds-transfer system includes a processor and a memory storing control logic for causing the processor to enable a buyer to transfer funds to a seller via a mobile telephone. The control logic includes program code for causing the processor to receive 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 control logic also includes program code for causing the processor to charge the purchase amount to the financial account held by the buyer and to transfer the purchase amount to a financial account held by the seller.Type: GrantFiled: April 27, 2007Date of Patent: April 1, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders
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Publication number: 20140080470Abstract: A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions.Type: ApplicationFiled: November 21, 2013Publication date: March 20, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Jessica U. Jones, Lee J. Peart, Peter D. Saunders
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Patent number: 8635165Abstract: A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction.Type: GrantFiled: December 17, 2008Date of Patent: January 21, 2014Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8620260Abstract: A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information. With the method and system, a mobile phone can be personalized for various purposes, such as for conducting financial transactions.Type: GrantFiled: April 27, 2007Date of Patent: December 31, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Jessica U. Jones, Lee J. Peart, Peter D. Saunders
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Patent number: 8548927Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.Type: GrantFiled: March 26, 2004Date of Patent: October 1, 2013Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8543496Abstract: A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being transmitted, incorporate transaction limits and the use of a personal identification number.Type: GrantFiled: April 27, 2007Date of Patent: September 24, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Jessica U. Jones, Lee J. Peart, Peter D. Saunders
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Patent number: 8401539Abstract: Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction.Type: GrantFiled: January 31, 2012Date of Patent: March 19, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Williams J. Gray, Jeffrey D. Langus, David P. Whittington
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Patent number: 8294552Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: GrantFiled: September 6, 2007Date of Patent: October 23, 2012Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8289136Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.Type: GrantFiled: September 20, 2007Date of Patent: October 16, 2012Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8284025Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: GrantFiled: September 20, 2007Date of Patent: October 9, 2012Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8279042Abstract: The present invention discloses system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: GrantFiled: September 20, 2007Date of Patent: October 2, 2012Assignee: Xatra Fund MX, LLCInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20120129514Abstract: Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction.Type: ApplicationFiled: January 31, 2012Publication date: May 24, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Williams J. Gray, Jeffrey D. Langus, David P. Whittington
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Patent number: 8126449Abstract: Enabling remote customer service and maintenance using a visual identifier is disclosed. In response to a user enrolling in a service capability associated with a mobile device, the process utilizes a visual identifier to associate the service capability with the customer account, the service and the mobile device. The system allocates a visual identifier for each service capability and enables customer service agents to identify the service capability and mobile device, verify the user and retrieve information for the service interaction.Type: GrantFiled: November 13, 2008Date of Patent: February 28, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W Beenau, William J Gray, Jeffrey D Langus, David P Whittington
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Patent number: 8074889Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric sample and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on the databases.Type: GrantFiled: September 6, 2007Date of Patent: December 13, 2011Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 8016201Abstract: In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.Type: GrantFiled: December 7, 2008Date of Patent: September 13, 2011Assignee: Xatra Fund Mx, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7988038Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.Type: GrantFiled: September 6, 2007Date of Patent: August 2, 2011Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20110161235Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The method includes a RFID transaction device including a random number generator for generating a random number. The random number may be used by an account issuer to verify the validity of a RFID transaction device or RFID reader communicating on the RF transactions network. The authorizing agent may receive the random number and compare the random number to a device validating code.Type: ApplicationFiled: March 4, 2011Publication date: June 30, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Seth W. Fields, Jon Imada, John McDonald, Lee J. Peart, John Rojewski, Peter D. Saunders
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Patent number: 7925535Abstract: A system and method for securing a Radio Frequency (RF) transaction using a RF identification device (RFID) transaction device is provided. The method includes a RFID transaction device including a random number generator for generating a random number. The random number may be used by an account issuer to verify the validity of a RFID transaction device or RFID reader communicating on the RF transaction network. The authorizing agent may receive the random number and compare the random number to a device validating code.Type: GrantFiled: March 10, 2004Date of Patent: April 12, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, Seth W. Fields, Jon Imada, John McDonald, Lee J. Peart, John Rojewski, Peter D. Saunders