Patents by Inventor Joshua L. Montgomery

Joshua L. Montgomery 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: 20040252012
    Abstract: A method for facilitating biometric security in a transponder-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
    Type: Application
    Filed: March 26, 2004
    Publication date: December 16, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040249839
    Abstract: Systems and methods are configured to manage data sets associated with a transaction instrument. For example, a method is provided for facilitating the management of distinct data sets on a transaction instrument that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument in accordance with an owner defined format. The first and second data sets may each be stored as a Block of Binary.
    Type: Application
    Filed: March 12, 2004
    Publication date: December 9, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, Michal Bliman, David S. Bonalle, Joshua L. Montgomery, Peter D. Saunders, John R. Williamson
  • Publication number: 20040239481
    Abstract: The present invention discloses a system and methods for biometric security using facial scan biometrics in a transponder-reader system. The biometric security system also includes a facial 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 facial scan sensor. In another embodiment, the system includes a reader configured with a facial scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing facial scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: December 2, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040238621
    Abstract: The present invention discloses a system and methods for biometric security using fingerprint biometrics in a transponder-reader system. The biometric security system also includes a fingerprint 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 fingerprint sensor. In another embodiment, the system includes a reader configured with a fingerprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing fingerprint samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: December 2, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040239480
    Abstract: The present invention discloses a method for facilitating biometric security in a transponder-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the transponder-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction.
    Type: Application
    Filed: March 26, 2004
    Publication date: December 2, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040232224
    Abstract: The present invention discloses a method for registering biometric information for use in a transponder-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and transponder information to the transponder-reader system to facilitate associating the biometric sample with the user and transponder information.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040233037
    Abstract: The present invention discloses a system and methods for biometric security using iris scan biometrics in a transponder-reader system. The biometric security system also includes a iris 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 iris scan sensor. In another embodiment, the system includes a reader configured with a iris scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing iris scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040233038
    Abstract: The present invention discloses a system and methods for biometric security using retinal scan biometrics in a transponder-reader system. The biometric security system also includes a retinal 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 retinal scan sensor. In another embodiment, the system includes a reader configured with a retinal scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing retinal scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040236699
    Abstract: 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: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040236701
    Abstract: 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: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040232221
    Abstract: The present invention discloses a system and methods for biometric security using voice recognition biometrics in a transponder-reader system. The biometric security system also includes a voice print 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 voice print sensor. In another embodiment, the system includes a reader configured with a voice print sensor. In yet another embodiment, the present invention discloses methods for proffering and processing voice print samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040232222
    Abstract: The present invention discloses a system and methods for biometric security using signature recognition biometrics in a transponder-reader system. The biometric security system also includes a signature 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 signature scan sensor. In another embodiment, the system includes a reader configured with a signature scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing signature samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040232220
    Abstract: 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: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkip, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040236700
    Abstract: The present invention discloses a system and methods for biometric security using keystroke scan biometrics in a transponder-reader system. The biometric security system also includes a keystroke 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 keystroke scan sensor. In another embodiment, the system includes a reader configured with a keystroke scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing keystroke scan samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040232223
    Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a transponder-reader system. The biometric security system also includes a smellprint 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 smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.
    Type: Application
    Filed: March 26, 2004
    Publication date: November 25, 2004
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
  • Publication number: 20040230488
    Abstract: 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: Application
    Filed: March 26, 2004
    Publication date: November 18, 2004
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, Joshua L. Montgomery, William J. Gray, Carl Larkin, Peter D. Saunders