Patents by Inventor Robert Phelan
Robert Phelan 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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Patent number: 10789595Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: April 24, 2017Date of Patent: September 29, 2020Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20170228736Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: April 24, 2017Publication date: August 10, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 9665869Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 14, 2014Date of Patent: May 30, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20140201082Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 14, 2014Publication date: July 17, 2014Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 8719167Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 2, 2012Date of Patent: May 6, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 8650120Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: GrantFiled: March 2, 2012Date of Patent: February 11, 2014Assignee: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20130232068Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 2, 2012Publication date: September 5, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Publication number: 20130232069Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.Type: ApplicationFiled: March 2, 2012Publication date: September 5, 2013Applicant: American Express Travel Related Services Company, Inc.Inventors: Marcel Leyva, Houman Motaharian, Robert Phelan, Hing Seng Too
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Patent number: 8184297Abstract: A system including at least one laser device extending a beam through an in-situ non-restrictive flow path of the gas mixture; and a measurer coupled to each laser device for obtaining a plurality of dynamic measurements over time of at least one species in the gas mixture.Type: GrantFiled: December 17, 2009Date of Patent: May 22, 2012Assignee: General Electric CompanyInventors: Robert Warren Taylor, Peter Martin Maly, Brian Robert Phelan
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Publication number: 20110149288Abstract: A system including at least one laser device extending a beam through an in-situ non-restrictive flow path of the gas mixture; and a measurer coupled to each laser device for obtaining a plurality of dynamic measurements over time of at least one species in the gas mixture.Type: ApplicationFiled: December 17, 2009Publication date: June 23, 2011Applicant: GENERAL ELECTRIC COMPANYInventors: Robert Warren Taylor, Peter Martin Maly, Brian Robert Phelan
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Publication number: 20070244732Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Government agencies, procurement departments, and others that patronize small businesses can use CSoW/CSoSW to determine businesses that should be awarded contracts and businesses that should be denied. CSoW/CSoSW may also be used to manage approved vendor lists.Type: ApplicationFiled: March 31, 2006Publication date: October 18, 2007Inventors: Siddhartha Chatterji, Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan, Arnab Biswas
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Publication number: 20070226130Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Banks and lenders can use CSoW/CSoSW to determine who to lend to and who to deny credit to, as well as for pricing loans and other products in a dynamic way. Banks and lenders can also determine which customers should be retained, as well as identify loans which are likely to default.Type: ApplicationFiled: October 26, 2006Publication date: September 27, 2007Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan, Arnab Biswas
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Publication number: 20070226114Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Managers of investment vehicles, such as mutual fund managers, can use CSoW/CSoSW as one of the parameters to be considered when picking stocks to buy, sell, or short. Investment managers can also use CSoW/CSoSW to predict which stocks in their portfolio are likely to suffer a price fall.Type: ApplicationFiled: October 26, 2006Publication date: September 27, 2007Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan, Arnab Biswas
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Publication number: 20070192165Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Companies which provide databases of financial information about other companies can use scores provided by this CSoW/CSoSW modeling approach to give an indication of how much the company is likely to spend in the future.Type: ApplicationFiled: August 2, 2006Publication date: August 16, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan
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Publication number: 20070186251Abstract: An emergency satellite communications system that provides remote sites with assured access. The network is provisioned, configured, and managed such that the remote units are always online, but not used to an extent that would prevent remote units from communicating via the network upon demand. The network may include geographic hub diversity to protect against hub failure. Proactive monitoring of the components comprising the network is used to mitigate or prevent network congestion, such as by load balancing. An overflow link may be provided, allowing for remote sites to be assigned from a first link to the overflow link to mitigate or prevent congestion on the first link, and/or allow for additional bandwidth to be allocated to one or more remote sites that remain on the first link. A satellite communication network may comprise a satellite and a network management system operative in controlling and managing a plurality of first and second terminals.Type: ApplicationFiled: February 3, 2006Publication date: August 9, 2007Inventors: Edward Horowitz, Robert Phelan, Christopher Kean
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Publication number: 20070078741Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.Type: ApplicationFiled: August 2, 2006Publication date: April 5, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan
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Publication number: 20070067207Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Online marketplaces that allow small businesses to advertise their services can use this CSoW/CSoSW modeling approach to provide a rating that gives an indication of the business prospects of the vendors listed on their sites. Further, such marketplaces can combine this information with their own internal analytics to provide a single holistic rating.Type: ApplicationFiled: August 2, 2006Publication date: March 22, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan
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Publication number: 20070067208Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.Type: ApplicationFiled: August 2, 2006Publication date: March 22, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan
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Publication number: 20070067206Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.Type: ApplicationFiled: August 2, 2006Publication date: March 22, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Benedict Okoh, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan
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Publication number: 20070067209Abstract: Commercial size of spending wallet (“SoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“SoW”) is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.Type: ApplicationFiled: August 2, 2006Publication date: March 22, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kathleen Haggerty, Charles Lyon, Robert Phelan, Jon Ruterman, Geraldine Turner, Chao Yuan