Patents by Inventor Vernon Marshall
Vernon Marshall 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: 20120226551Abstract: The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.Type: ApplicationFiled: May 17, 2012Publication date: September 6, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Puneet B. Bhagchandani, Rachel B. Garrett, Vernon Marshall, Ali H. Baqri, Siddhesh Karmali
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Patent number: 8204784Abstract: The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.Type: GrantFiled: June 22, 2010Date of Patent: June 19, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Puneet B. Bhagchandani, Rachel B. Garrett, Vernon Marshall, Ali H. Baqri, Siddhesh Karmali
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Publication number: 20120134478Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customers and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: ApplicationFiled: February 6, 2012Publication date: May 31, 2012Applicant: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Patent number: 8190478Abstract: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.Type: GrantFiled: October 19, 2010Date of Patent: May 29, 2012Assignee: American Express Travel Related Services Company, Inc.Inventors: Paul A. Herman, Greg M. Keeley, Vernon Marshall, Paula S. Schwalje, Brian J. Yasz
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Publication number: 20120130786Abstract: An enrolling system verifies an enrollee, counter-offers a second transaction account in response to a decline of a first account, wherein the second transaction account includes more restrictions than a first transaction account, associates an enrollee's main and overdraft account, and issues a transaction account. Enrolling in the second transaction account may include enrolling in a second transaction account automatic payment program; and/or associating a demand deposit account to the second transaction account. The method may also include relaxing use restrictions of the transaction account based upon at least one of: receiving payment of a pre-selected amount, receiving payments over a pre-selected period, and receiving payment on or before a pre-selected date.Type: ApplicationFiled: November 22, 2010Publication date: May 24, 2012Applicant: American Express Travel Related Services Company, Inc.Inventor: Vernon Marshall
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Publication number: 20110320200Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: ApplicationFiled: September 7, 2011Publication date: December 29, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Patent number: 8036892Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: GrantFiled: July 8, 2010Date of Patent: October 11, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Publication number: 20110191106Abstract: One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.Type: ApplicationFiled: April 12, 2011Publication date: August 4, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Chin H. Khor, Marcel Leyva, Vernon Marshall
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Patent number: 7940897Abstract: One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.Type: GrantFiled: June 24, 2005Date of Patent: May 10, 2011Assignee: American Express Travel Related Services Company, Inc.Inventors: Chin H. Khor, Marcel Leyva, Vernon Marshall
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Publication number: 20110035279Abstract: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.Type: ApplicationFiled: October 19, 2010Publication date: February 10, 2011Applicant: American Express Travel Related Services Company, Inc.Inventors: Paul A. Herman, Greg M. Keeley, Vernon Marshall, Paula S. Schwalje, Brian J. Yasz
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Patent number: 7848950Abstract: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.Type: GrantFiled: December 23, 2005Date of Patent: December 7, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Paul A. Herman, Greg M. Keeley, Vernon Marshall, Paula S. Schwalje, Brian J. Yasz
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Publication number: 20100278317Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: ApplicationFiled: July 8, 2010Publication date: November 4, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Publication number: 20100256982Abstract: The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.Type: ApplicationFiled: June 22, 2010Publication date: October 7, 2010Applicant: American Express Travel Related Services Company, Inc.Inventors: Puneet B. Bhagchandani, Rachel B. Garrett, Vernon Marshall, Ali H. Baqri, Siddhesh Karmali
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Patent number: 7792697Abstract: The disclosed method and system allows a credit or charge card issuer to provide its card members with a list of restaurants that might be of interest based on the financial transactions of similar card members. In one instance, this method filters financial transaction data from a plurality of card members that involves a plurality of restaurants to generate a set of candidate restaurant recommendations for a selected card member. This set of candidate restaurant recommendations is processed to yield a list of restaurant recommendations for the selected customer that is prioritized on the basis of the selected card member accepting the recommendation. The list of restaurant recommendations is then reported to the selected card member to enhance card use and marketing.Type: GrantFiled: August 8, 2006Date of Patent: September 7, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Puneet B. Bhagchandani, Rachel B. Garrett, Vernon Marshall, Ali H. Baqri, Siddhesh Karmali
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Patent number: 7778832Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: GrantFiled: September 26, 2007Date of Patent: August 17, 2010Assignee: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Patent number: 7542931Abstract: The present invention provides systems and methods for global address verification of a transaction, such as a transaction card purchase. In accordance with an exemplary embodiment of the present invention, the system verifies a billing address and/or an alternate address (e.g., shipping address) in a single transaction. The billing address and/or the alternate address are associated with a transaction card purchaser. If the billing and/or alternate addresses are verified, then the transaction card issuer may offer a payment guarantee to the merchant. The merchant may choose to ship the purchased item to either a billing address or an alternate address. If the address is not verified, then the transaction card issuer may choose not to offer a payment guarantee to the merchant, and the merchant may choose not to ship the item to the alternate address.Type: GrantFiled: June 3, 2002Date of Patent: June 2, 2009Assignee: American Express Travel Related Services Company, Inc.Inventors: Catherine B. Black, Diane Farrell, Chin H. Khor, Vernon Marshall, Sandeep Sacheti, Tracy J. Steiner
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Publication number: 20080010066Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: ApplicationFiled: September 26, 2007Publication date: January 10, 2008Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Publication number: 20070282674Abstract: Processes (200, 400) for reducing fraud risk in credit transactions, particularly those involving airline ticket purchases, includes collecting the following additional transaction variables and their use in real-time authorization decisions: credit card holder name, reservation code, passenger name, origin city, destination city, travel date, routing description, class of service, e-ticket indicator, number of passengers traveling and carrier code. The additional transaction variables received during a transaction involving the purchase of airline tickets are passed, in addition to the transaction variables traditionally included in a real-time authorizations request, to a fraud risk evaluation model maintained by a financial institution (106) or other entity responsible for authorizing a payment for the transaction.Type: ApplicationFiled: February 9, 2005Publication date: December 6, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Kristin Gomes, Stuart Goulden, Vernon Marshall, Sabyasachi Mohanty, Ian Webb
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Patent number: 7299177Abstract: One-to-many comparisons of callers'voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.Type: GrantFiled: May 30, 2003Date of Patent: November 20, 2007Assignee: American Express Travel Related Services Company, Inc.Inventors: Vicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson
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Publication number: 20070226140Abstract: A method and computer program code for expediting issuance and activation of transaction instruments upon application therefor. A first set of application information is collected from an applicant. The first set of application information is processed to determine whether all required information has been obtained. If the first set of application information, comprises all information required to issue and activate the transaction instrument, then the application process is completed, the transaction instrument is provided to the applicant, and the applicant is permitted to automatically activate the transaction instrument upon receipt. If the first set of application information comprises less than all information required to issue and activate the transaction instrument, then the application process is completed and the transaction instrument is provided to the applicant in an unactivated state.Type: ApplicationFiled: March 24, 2006Publication date: September 27, 2007Applicant: American Express Travel Related Services Company, Inc.Inventors: Glade Erikson, Stacey Crawford, Lorrell Arvanitas, Jon Patton, Vernon Marshall