Patents by Inventor Jessica U. Jones
Jessica U. Jones 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: 20240013171Abstract: 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: September 11, 2023Publication date: January 11, 2024Applicant: 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: 11790332Abstract: 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: GrantFiled: January 17, 2019Date of Patent: October 17, 2023Assignee: 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: 20190156308Abstract: 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: January 17, 2019Publication date: May 23, 2019Applicant: 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: 10223675Abstract: 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: GrantFiled: February 4, 2014Date of Patent: March 5, 2019Assignee: 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: 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: 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: 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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Publication number: 20080270301Abstract: A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer's mobile communication device, and receiving a request for payment from a merchant terminal. The request for payment includes an identification code of the customer's mobile communication device and a purchase amount. The method further includes transmitting a purchase message to the customer's mobile communication device, the purchase message including an identification of the merchant, the purchase amount, and a request for purchase confirmation. The method further includes receiving a response to the request for purchase confirmation transmitted from the customer's mobile communication device, and if the response to the request for purchase confirmation is affirmative, transmitting to the merchant terminal information identifying a financial account belonging to the customer.Type: ApplicationFiled: April 27, 2007Publication date: October 30, 2008Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES CO., INC.Inventors: Jessica U. Jones, Lee J. Peart, Blayn W. Beenau, Peter D. Saunders, Brian T. Barnes
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Publication number: 20080270300Abstract: 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: ApplicationFiled: April 27, 2007Publication date: October 30, 2008Applicant: 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: 20080268811Abstract: 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: April 27, 2007Publication date: October 30, 2008Applicant: American Express Travel Related Services Co., Inc.Inventors: Blayn W. Beenau, Jessica U. Jones, Lee J. Peart, Peter D. Saunders
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Publication number: 20080270302Abstract: 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: ApplicationFiled: April 27, 2007Publication date: October 30, 2008Applicant: American Express Travel Related Services Co., Inc.Inventors: Blayn W. BEENAU, Jessica U. JONES, Lee J. PEART, Peter D. SAUDERS