Patents by Inventor Kristin R. Hoyne Gomes

Kristin R. Hoyne Gomes 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).

  • AUTHORIZATION REQUEST FOR FINANCIAL TRANSACTIONS
    Publication number: 20130013479
    Abstract: Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated with the financial transaction based on product details. The product details are sent to the financial institution by a merchant along with the authorization request. The financial institution, then, notifies the merchant regarding authorization of the financial transaction based on the risk assessment. Finally, the merchant fulfills or terminates the financial transaction based on the notification received regarding authorization request.
    Type: Application
    Filed: September 14, 2012
    Publication date: January 10, 2013
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Chanderpreet Singh Duggal, Kristin R. Hoyne Gomes, Peter Georger Harris, Meghan Mary Paciorek Kroneman
  • Authorization request for financial transactions
    Patent number: 8285637
    Abstract: Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated with the financial transaction based on product details. The product details are sent to the financial institution by a merchant along with the authorization request. The financial institution, then, notifies the merchant regarding authorization of the financial transaction based on the risk assessment. Finally, the merchant fulfills or terminates the financial transaction based on the notification received regarding authorization request.
    Type: Grant
    Filed: April 1, 2009
    Date of Patent: October 9, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Chanderpreet Singh Duggal, Kristin R. Hoyne Gomes, Peter Georger Harris, Meghan Mary Paciorek Kroneman
  • Post-authorization message for a financial transaction
    Patent number: 8214292
    Abstract: Embodiments of the present invention provide a method and system for enabling a financial institution to communicate with a merchant regarding post-authorization processing of a financial transaction. The merchant assesses feasibility of the financial transaction after receiving an authorization from the financial institution for the financial transaction and accordingly processes the financial transaction based on the feasibility assessment. The processing of the financial transaction may either result in fulfillment or non-fulfillment of the financial transaction depending on the feasibility assessment. Finally, the merchant provides the financial institution details related to the processing of the financial institution in real-time following the authorization.
    Type: Grant
    Filed: April 1, 2009
    Date of Patent: July 3, 2012
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Chanderpreet Singh Duggal, Kristin R. Hoyne Gomes, Peter Georger Harris
  • Post-Authorization Message For A Financial Transaction
    Publication number: 20100257096
    Abstract: Embodiments of the present invention provide a method and system for enabling a financial institution to communicate with a merchant regarding post-authorization processing of a financial transaction. The merchant assesses feasibility of the financial transaction after receiving an authorization from the financial institution for the financial transaction and accordingly processes the financial transaction based on the feasibility assessment. The processing of the financial transaction may either result in fulfillment or non-fulfillment of the financial transaction depending on the feasibility assessment. Finally, the merchant provides the financial institution details related to the processing of the financial institution in real-time following the authorization.
    Type: Application
    Filed: April 1, 2009
    Publication date: October 7, 2010
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Chanderpreet Singh Duggal, Kristin R. Hoyne Gomes, Peter Georger Harris
  • Authorization Request for Financial Transactions
    Publication number: 20100257068
    Abstract: Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated with the financial transaction based on product details. The product details are sent to the financial institution by a merchant along with the authorization request. The financial institution, then, notifies the merchant regarding authorization of the financial transaction based on the risk assessment. Finally, the merchant fulfills or terminates the financial transaction based on the notification received regarding authorization request.
    Type: Application
    Filed: April 1, 2009
    Publication date: October 7, 2010
    Applicant: American Express Travel Related Services Co. Inc.
    Inventors: Chanderpreet Singh Duggal, Kristin R. Hoyne Gomes, Peter Georger Harris, Meghan Mary Paciorek Kroneman