Patents by Inventor Trey Neemann
Trey Neemann 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: 10776811Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.Type: GrantFiled: February 14, 2019Date of Patent: September 15, 2020Assignee: American Express Travel Related Services Company, Inc.Inventors: Claudia Asgeirsson, Yuval Efrati, Lee H. Gowen, Trey Neemann, Mary O'Connell, Paven K. Pemmaraju
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Patent number: 10373188Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.Type: GrantFiled: August 4, 2010Date of Patent: August 6, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Trey Neemann, Lee H. Gowen, Pavan K. Pemmaraju, Claudia Asgeirsson, Yuval Efrati, Mary O'Connell
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Publication number: 20190180313Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.Type: ApplicationFiled: February 14, 2019Publication date: June 13, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: Claudia Asgeirsson, Yuval Efrati, Lee H. Gowen, Trey Neemann, Mary O'Connell, Paven K. Pemmaraju
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Patent number: 10248964Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.Type: GrantFiled: July 30, 2010Date of Patent: April 2, 2019Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Trey Neemann, Lee H. Gowen, Pavan K Pemmaraju, Claudia Asgeirsson, Yuval Efrati, Mary O'Connell
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Publication number: 20160071141Abstract: On-line redemption of loyalty points over time for requested items. A request for an item is received from a customer along with an identification of a layaway program for redeeming at least a portion of the customer's loyalty points with respect to a purchase request for the item. Based upon the identified program, the customer's loyalty points are processed for redemption. The redemption programs can include making installment payments of loyalty points for purchase of the item, reserving a particular price for the item using the loyalty points, providing partial payment for the item using the loyalty points, automatically redeeming or transferring points over a particular amount, or pooling of points among multiple customers.Type: ApplicationFiled: September 14, 2015Publication date: March 10, 2016Inventors: Trey Neemann, Raymond K. Preston
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Publication number: 20160048864Abstract: A system, method and computer program product for redemptions of reward points to purchase goods and services offered by a third-party digital wallet or merchant aggregator. A single integration with a merchant aggregator enables cross-merchant functionality. This system, method and computer program may allow certain transaction account holders to directly pay with their loyalty points (“points”) in any third party digital wallet. Utilizing the system, transaction account holders may earn one or more point for virtually every dollar charged on eligible, enrolled transaction account and then redeem their points for a wide array of rewards, including retail merchandise or travel.Type: ApplicationFiled: August 13, 2014Publication date: February 18, 2016Applicant: American Express Travel Related Services Company, Inc.Inventors: Allison P. Beer, Cecile M. Berta, Lan Anh Hoang, Trey Neemann
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Patent number: 9152974Abstract: The present disclosure includes a system, method, and article of manufacture for performing dispute resolution. The method may include retrieving an identifier that associates a funds request with a rewards currency request, crediting, based on the identifier, a transaction account based upon the funds request, and crediting, based on the identifier, a rewards account based upon the rewards currency request. The method may further comprise crediting the transaction account less a value associated with the rewards currency request and/or generating a first statement that shows a funds balance and a second statement that shows a rewards currency balance. A funds balance may be credited by an amount associated with the funds request, and a rewards currency balance may be credited by an amount associated with the rewards currency request.Type: GrantFiled: August 30, 2011Date of Patent: October 6, 2015Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Douglas A. Behm, Sudhakar W. Gopal, Trey Neemann, Pavan Pemmaraju, Mike Rice, Geoffrey R. Wright
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Patent number: 8738532Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.Type: GrantFiled: July 13, 2011Date of Patent: May 27, 2014Assignee: Propulsion Remote Holdings, LLCInventors: Fauziah B. Ariff, Fred Bishop, Trey Neemann, Theodore S. Voltmer
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Publication number: 20110271098Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The exemplary system and method may establish a PDA portal link to the web site for collecting specified information for a user and transmitting the information to the remote device. To receive the information, the PDA contacts the portal and establishes a connection, authenticates itself to the network and allows the user to complete secured transactions or transmissions over the network.Type: ApplicationFiled: July 13, 2011Publication date: November 3, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S. Voltmer, Fauziah B. Ariff
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Patent number: 7996320Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: GrantFiled: December 10, 2008Date of Patent: August 9, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S. Voltmer, Fauziah B. Ariff
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Patent number: 7945516Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: GrantFiled: April 3, 2007Date of Patent: May 17, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S Voltmer, Fauziah B Ariff
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Patent number: 7584149Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: GrantFiled: March 15, 2006Date of Patent: September 1, 2009Assignee: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S Voltmer, Fauziah B Ariff
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Publication number: 20090089581Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: ApplicationFiled: December 10, 2008Publication date: April 2, 2009Applicant: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S. Voltmer, Fauziah B. Ariff
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Patent number: 7431207Abstract: To process a commercial transaction, a merchant receives a card payment request from a customer. The merchant redirects the customer to the card issuer. The authorization computer of the card issuer communicates with the customer and authenticates the identity of the customer as the true cardholder of the card presented for payment. In a first embodiment, the merchant submits an authorization request in response to a card payment request to the authorization computer. The merchant receives an authorization confirmation from the authorization computer upon authentication of the identity of the cardholder. In a second embodiment, the customer receives an authorization confirmation from the authorization computer upon the authentication of the identity of the cardholder. The customer then submits the authorization confirmation to the merchant. The merchant, in turn, confirms the authorization confirmation with the authorization computer.Type: GrantFiled: January 5, 2005Date of Patent: October 7, 2008Assignee: American Express Travel Related Services Co., Inc.Inventors: Trey Neemann, Fred Bishop, Michael Barrett, David Armes
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Patent number: 7356694Abstract: Sharing of data between one domain and at least one other domain over a network is facilitated by the use of tokens. A user token set in a cookie stored on the user's system at log-on to a first domain is used to create, or is associated with, a secure token passed by a first domain to a second domain when the user, in a session with the second domain, requests resources, access to which includes authorization by a first domain. The secure token facilitates various actions pertinent to a user in a session with said second domain, including, for example, the maintenance of an active, concurrent session between a user and a first domain, and authentication and authorization without log-on at a second domain or other domains.Type: GrantFiled: March 10, 2004Date of Patent: April 8, 2008Assignee: American Express Travel Related Services Company, Inc.Inventors: Mary Ann Mayo, Trey Neemann, Harry Pearson, Chandra C. Sekhar, Dan Toraason
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Publication number: 20070179839Abstract: Methods and computer program products for performing an online auction are described. An embodiment of the present invention provides a computer-based method for performing an online raffle for an item, utilizing loyalty rewards points as currency. The method includes the following. Information about the item is displayed on a website. A request to enter the raffle, including an authorization to redeem a predetermined number of loyalty rewards points, is received from each interested customer. For each interested customer, the predetermined number of loyalty rewards points is redeemed. The interested customer that have the predetermined number of rewards points redeemed are entered as participants in the raffle. A winner is selected from the raffle participants.Type: ApplicationFiled: October 25, 2005Publication date: August 2, 2007Inventor: Trey Neemann
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Publication number: 20070179895Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: ApplicationFiled: April 3, 2007Publication date: August 2, 2007Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Fred Bishop, Trey Neemann, Theodore Voltmer, Fauziah Ariff
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Patent number: 7222101Abstract: Consumers may utilize computing devices to assist in the purchase and/or loyalty process, and in particular, the consumer may utilize a PDA to facilitate the purchase and/or loyalty process. During the purchase and/or loyalty process, the consumer may need to insure that any content downloaded or used in association with the PDA is secure in how it is collected, assembled, and delivered to the PDA device. This system and method secures the data from its source to when it is actually viewed or used by the authorized user. The PDA may have direct access to an Internet web site portal that offers secure personal content from a content provider, such as, for example, an on-line banking or financial institution. Using the web site portal, the content provider may offer personal or confidential data, such as financial information, to PDA users in a secure (e.g., encrypted) environment.Type: GrantFiled: February 26, 2002Date of Patent: May 22, 2007Assignee: American Express Travel Related Services Company, Inc.Inventors: Fred Bishop, Trey Neemann, Theodore S. Voltmer, Fauziah B. Ariff
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Patent number: 6991157Abstract: A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).Type: GrantFiled: July 14, 2004Date of Patent: January 31, 2006Assignee: American Express Travel Related Services CompanyInventors: Fred Bishop, Trey Neemann, David Armes
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Patent number: RE43157Abstract: A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).Type: GrantFiled: January 31, 2008Date of Patent: February 7, 2012Assignee: XATRA Fund MX, LLCInventors: Fred Bishop, Trey Neemann, David Armes