Patents by Inventor Fred A. Bishop

Fred A. Bishop 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).

  • METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    Publication number: 20110184860
    Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
    Type: Application
    Filed: April 5, 2011
    Publication date: July 28, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Fred Bishop
  • METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    Publication number: 20110184861
    Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
    Type: Application
    Filed: April 5, 2011
    Publication date: July 28, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Fred Bishop
  • METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    Publication number: 20110184988
    Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
    Type: Application
    Filed: April 5, 2011
    Publication date: July 28, 2011
    Applicant: American Express Travel Related Services Company,
    Inventor: Fred Bishop
  • METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    Publication number: 20110184986
    Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
    Type: Application
    Filed: April 5, 2011
    Publication date: July 28, 2011
    Applicant: American Express Travel Related Service Company, Inc.
    Inventor: Fred Bishop
  • METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM
    Publication number: 20110184987
    Abstract: A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.
    Type: Application
    Filed: April 5, 2011
    Publication date: July 28, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventor: Fred Bishop
  • Systems and methods for adjusting crediting limits to facilitate transactions
    Patent number: 7979349
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: July 12, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for facilitating transactions
    Patent number: 7962406
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: June 14, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for allocating an amount between transaction accounts
    Patent number: 7962407
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: December 1, 2008
    Date of Patent: June 14, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for establishing an allocation of an amount between transaction accounts
    Patent number: 7962408
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: December 1, 2008
    Date of Patent: June 14, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
  • SYSTEM AND METHOD FOR SELECTION OF PAYMENT SYSTEMS FROM A PAYMENT SYSTEM DIRECTORY TO PROCESS A TRANSACTION
    Publication number: 20110137798
    Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
    Type: Application
    Filed: February 3, 2011
    Publication date: June 9, 2011
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
  • Methods and apparatus for conducting electronic transactions
    Patent number: 7953671
    Abstract: A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials.
    Type: Grant
    Filed: November 21, 2008
    Date of Patent: May 31, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Peter D. Saunders
  • System and method for securing data through a PDA portal
    Patent number: 7945516
    Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.
    Type: Grant
    Filed: April 3, 2007
    Date of Patent: May 17, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Trey Neemann, Theodore S Voltmer, Fauziah B Ariff
  • Systems and methods for receiving an allocation of an amount between transaction accounts
    Patent number: 7941372
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: December 1, 2008
    Date of Patent: May 10, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for allocating an amount between sub-accounts
    Patent number: 7941367
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: December 1, 2008
    Date of Patent: May 10, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for facilitating transactions with different account issuers
    Patent number: 7925585
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: April 12, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
  • System and method for selection of payment systems from a payment system directory to process a transaction
    Patent number: 7908215
    Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.
    Type: Grant
    Filed: December 4, 2003
    Date of Patent: March 15, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: David Armes, Fred Bishop, Jeffrey Alan Edelen, Bill Schwarz
  • Systems and methods for adjusting loan amounts to facilitate transactions
    Patent number: 7908214
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: March 15, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Bansi Sharma, Tracey R. Thomas
  • Systems and methods for facilitating budgeting transactions
    Patent number: 7904385
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.
    Type: Grant
    Filed: September 30, 2008
    Date of Patent: March 8, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for approval of an allocation
    Patent number: 7899744
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: January 16, 2009
    Date of Patent: March 1, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas
  • Systems and methods for settling an allocation of an amount between transaction accounts
    Patent number: 7877325
    Abstract: A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.
    Type: Grant
    Filed: January 16, 2009
    Date of Patent: January 25, 2011
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Fred A. Bishop, Bansi L. Sharma, Tracey R. Thomas