Patents by Inventor Paul M. Crofts
Paul M. Crofts 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: 20200380514Abstract: At least some embodiments are directed to a system that tracks transaction authorization requests from a plurality of merchant computing devices. The system determines a transaction pattern based on the transaction authorization requests and instructs a user computing device to generate a user computer interface. The user computer interface prompts a user to define a user-defined transaction rule associated with the transaction pattern. The user-defined transaction rule represents a user authorization to approve a new transaction. The system receives an authorization request for the new transaction from a merchant device. The authorization request is generated based on Bluetooth Low Energy (BLE) communication between the merchant device and the user computing device. The system approves the new transaction based on the user-defined transaction rule and instructs the merchant device to provide, via the BLE communication, an additional purchase offer to the user computing device.Type: ApplicationFiled: July 10, 2020Publication date: December 3, 2020Inventor: Paul M. Crofts
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Patent number: 10397070Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: September 27, 2017Date of Patent: August 27, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20180034713Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: September 27, 2017Publication date: February 1, 2018Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY,INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20180012221Abstract: A system may receive a request for user data associated with a user account, transmit the user data in response to the request, and receive an authorization request for a transaction from a merchant device. The authorization request may include transaction data and an item identifier. The system may also approve the transaction in response to a user account having sufficient funds available and store the transaction data and the item identifier in association with the user account.Type: ApplicationFiled: July 8, 2016Publication date: January 11, 2018Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventor: Paul M. Crofts
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Patent number: 9806964Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: September 1, 2015Date of Patent: October 31, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20150372880Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: September 1, 2015Publication date: December 24, 2015Applicant: American Express Travel Related Services Company, Inc.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 9154315Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: June 11, 2014Date of Patent: October 6, 2015Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 9088423Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: June 11, 2014Date of Patent: July 21, 2015Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 9077547Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: June 11, 2014Date of Patent: July 7, 2015Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20140297386Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: June 11, 2014Publication date: October 2, 2014Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20140293834Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: June 11, 2014Publication date: October 2, 2014Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20140297370Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: June 11, 2014Publication date: October 2, 2014Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 8787554Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: June 27, 2013Date of Patent: July 22, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20140198910Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: June 27, 2013Publication date: July 17, 2014Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Publication number: 20140198909Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: ApplicationFiled: June 27, 2013Publication date: July 17, 2014Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 8781104Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.Type: GrantFiled: June 27, 2013Date of Patent: July 15, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Clinton R. Allen, Paul M. Crofts, Jeff W. Fromm
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Patent number: 8412631Abstract: A comprehensive platform for processing financial transactions is disclosed. The platform is a cloud based and comprises an application programming interface so that application developers can take advantage of the services provided by the framework. The platform replaces many of the expensive, outdated or inefficient aspects of traditional payment processing methods.Type: GrantFiled: May 13, 2011Date of Patent: April 2, 2013Assignee: American Express Travel Related Services Company, Inc.Inventors: Paul M. Crofts, Jeff W. Fromm
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Publication number: 20120290478Abstract: A comprehensive platform for processing financial transactions is disclosed. The platform is a cloud based and comprises an application programming interface so that application developers can take advantage of the services provided by the framework. The platform replaces many of the expensive, outdated or inefficient aspects of traditional payment processing methods.Type: ApplicationFiled: May 13, 2011Publication date: November 15, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Paul M. Crofts, Jeff W. Fromm