Patents by Inventor Jennifer Elwood
Jennifer Elwood 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: 20180137510Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: October 31, 2017Publication date: May 17, 2018Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Patent number: 9811832Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: GrantFiled: April 20, 2016Date of Patent: November 7, 2017Assignee: III Holdings 1, LLCInventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Publication number: 20160379221Abstract: 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: ApplicationFiled: September 6, 2016Publication date: December 29, 2016Inventors: 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
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Publication number: 20160314467Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: April 20, 2016Publication date: October 27, 2016Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Patent number: 9324077Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: GrantFiled: December 8, 2014Date of Patent: April 26, 2016Assignee: III Holdings 1, LLCInventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Publication number: 20150161607Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: December 8, 2014Publication date: June 11, 2015Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Patent number: 8905301Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: GrantFiled: October 19, 2010Date of Patent: December 9, 2014Assignee: III Holdings 1, LLCInventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Publication number: 20110060687Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: October 19, 2010Publication date: March 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Patent number: 7837100Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: GrantFiled: June 30, 2006Date of Patent: November 23, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: David S. Bonalle, Emily A. Chong, I-Hsin Chuang, Lauren E. Dardick, Jennifer A. Elwood, William J. Gray, David J. Wong
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Publication number: 20070265964Abstract: 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: ApplicationFiled: May 3, 2007Publication date: November 15, 2007Applicant: 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
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Publication number: 20070175982Abstract: A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.Type: ApplicationFiled: June 30, 2006Publication date: August 2, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: David Bonalle, Emily Chong, I-Hsin Chuang, Lauren Dardick, Jennifer Elwood, William Gray, David Wong
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Publication number: 20050165695Abstract: 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: ApplicationFiled: December 13, 2002Publication date: July 28, 2005Inventors: 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
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Publication number: 20050160003Abstract: A system and method for providing incentives at a merchant location for using a RF identification (RFID) transaction device for transaction completion is provided. An RFID transaction device account number includes a marker for identifying that the transaction is being completed using an RFID transaction device. A merchant system recognizes the marker and provides incentives to the RFID device user accordingly. In one embodiment, the incentives are provided to an RFID device user in real-time. Alternatively, the merchant system may provide the incentives to the customer at a later time. Further still, incentives may be provided to the user based on a prior transaction history, user profile, or any other data related to the user, user account, merchant, product or service.Type: ApplicationFiled: April 7, 2005Publication date: July 21, 2005Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Michael Berardi, Michal Bliman, David Bonalle, Jennifer Elwood, Matthew Hood, Susan Isenberg, Trevor Perry, Peter Saunders, Kristin VonWald
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Patent number: D510384Type: GrantFiled: October 18, 2002Date of Patent: October 4, 2005Inventors: Chris Allen, David Bonalle, Jennifer Elwood, Ronald Guillard, Jeff Kohnle, VC Kumar, Douglas N. Laube, Stephen R. Myers, Lisa Skilling-Belmond, Judy Vigiletti
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Patent number: D487894Type: GrantFiled: October 18, 2002Date of Patent: March 30, 2004Inventors: Chris Allen, David Bonalle, Jennifer Elwood, Ronald Guillard, Jeff Kohnle, VC Kumar, Douglas N. Laube, Stephen R. Myers, Lisa Skilling-Belmond, Judy Vigiletti
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Patent number: D488156Type: GrantFiled: October 18, 2002Date of Patent: April 6, 2004Inventors: Chris Allen, David Bonalle, Jennifer Elwood, Ronald Guillard, Jeff Kohnle, VC Kumar, Douglas N. Laube, Stephen R. Myers, Lisa Skilling-Belmond, Judy Vigiletti
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Patent number: D497636Type: GrantFiled: November 14, 2002Date of Patent: October 26, 2004Assignee: American Express Travel Related Services Company, Inc.Inventors: Chris Allen, David Bonalle, Jennifer Elwood, Ronald Guillard, Jeff Kohnle, VC Kumar, Douglas N. Laube, Stephen R. Myers, Lisa Skilling-Belmond, Judy Vigiletti
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Patent number: D497911Type: GrantFiled: October 18, 2002Date of Patent: November 2, 2004Assignee: American Express Travel Related Services Company, Inc.Inventors: Chris Allen, David Bonalle, Jennifer Elwood, Ronald Guillard, Jeff Kohnle, VC Kumar, Douglas N. Laube, Stephen R. Myers, Lisa Skilling-Belmond, Judy Vigiletti