Patents by Inventor Kathryn Scheding

Kathryn Scheding 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).

  • SYSTEM AND METHOD FOR SELECTING LOAD OPTIONS FOR USE IN RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS
    Publication number: 20160379221
    Abstract: 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: Application
    Filed: September 6, 2016
    Publication date: December 29, 2016
    Inventors: 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
  • System and Method for Payment Using Radio Frequency Identification in Contact and Contactless Transactions
    Publication number: 20070265964
    Abstract: 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: Application
    Filed: May 3, 2007
    Publication date: November 15, 2007
    Applicant: 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
  • System and method for payment using radio frequency identification in contact and contactless transactions
    Publication number: 20050165695
    Abstract: 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: Application
    Filed: December 13, 2002
    Publication date: July 28, 2005
    Inventors: 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