Patents by Inventor Danielle R. Cloud

Danielle R. Cloud 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: 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
  • Patent number: 11736465
    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: Grant
    Filed: December 23, 2021
    Date of Patent: August 22, 2023
    Assignee: 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
  • Patent number: 11233781
    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: Grant
    Filed: January 11, 2021
    Date of Patent: January 25, 2022
    Assignee: 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
  • Patent number: 11107052
    Abstract: The disclosed merchant server initiates a verification process in response to receiving an account identifier for an account in response to a payment selection by an account holder. In response to confirming enrollment of the account in a verification service, the merchant server receives an access point (e.g., a uniform resource locator (URL), API, etc.) and presents an offer interface corresponding to the access point. The offer interface includes a value added offer based on a profile of the account. The merchant server receives a credential and an acceptance indicator in response to the account holder accepting the value added offer. The merchant server may send an authorization request to a transaction authorization system.
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: August 31, 2021
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Thomas L. Bethke, II, Danielle R. Cloud
  • Patent number: 10893034
    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: Grant
    Filed: April 25, 2017
    Date of Patent: January 12, 2021
    Assignee: 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
  • Publication number: 20170300883
    Abstract: The disclosed merchant server initiates a verification process in response to receiving an account identifier for an account in response to a payment selection by an account holder. In response to confirming enrollment of the account in a verification service, the merchant server receives an access point (e.g., a uniform resource locator (URL), API, etc.) and presents an offer interface corresponding to the access point. The offer interface includes a value added offer based on a profile of the account. The merchant server receives a credential and an acceptance indicator in response to the account holder accepting the value added offer. The merchant server may send an authorization request to a transaction authorization system.
    Type: Application
    Filed: April 13, 2016
    Publication date: October 19, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Thomas L. Bethke, II, Danielle R. Cloud
  • Publication number: 20170300910
    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: April 25, 2017
    Publication date: October 19, 2017
    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