Patents by Inventor William J. Gray
William J. Gray 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: 20090079546Abstract: The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions.Type: ApplicationFiled: October 31, 2008Publication date: March 26, 2009Applicant: XATRA FUND MX, LLCInventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7506818Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.Type: GrantFiled: September 7, 2007Date of Patent: March 24, 2009Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7506819Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.Type: GrantFiled: September 21, 2007Date of Patent: March 24, 2009Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7500616Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.Type: GrantFiled: September 7, 2007Date of Patent: March 10, 2009Assignee: Xatra Fund MX, LLCInventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Publication number: 20080140580Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: ApplicationFiled: January 31, 2008Publication date: June 12, 2008Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7366703Abstract: A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server on a network that conducts all or portions of the transaction on behalf of the user with out requiring changes to the merchant's server. The wallet server interacts with a security server of a selected financial service to provide authentication of the transaction. Upon authentication, the digital wallet pre-fills forms which are transmitted to the merchant who contacts the security server for validation of the forms and upon validation, completes the transaction with the user.Type: GrantFiled: January 4, 2001Date of Patent: April 29, 2008Assignee: American Express Travel Related Services Company, Inc.Inventors: William J. Gray, William G. Hohle, Carl Larkin, Lee J. Peart
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Patent number: 7360689Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.Type: GrantFiled: March 26, 2004Date of Patent: April 22, 2008Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W Beenau, David S Bonalle, Seth W Fields, William J Gray, Carl Larkin, Joshua L Montgomery, Peter D Saunders
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Patent number: 7303120Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.Type: GrantFiled: March 26, 2004Date of Patent: December 4, 2007Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7154375Abstract: A method for facilitating biometric security in a transponder-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.Type: GrantFiled: March 26, 2004Date of Patent: December 26, 2006Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7121471Abstract: The present invention discloses a system and methods for biometric security using DNA recognition biometrics in a transponder-reader system. The biometric security system also includes a DNA scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA scan sensor. In another embodiment, the system includes a reader configured with a DNA scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA scan samples to facilitate authorization of transactions.Type: GrantFiled: March 26, 2004Date of Patent: October 17, 2006Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Patent number: 7059531Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a transponder-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.Type: GrantFiled: March 26, 2004Date of Patent: June 13, 2006Assignee: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040267672Abstract: A system and method for conducting secure electronic transactions are provided. More specifically, a system and method are provided for conducting secure transactions utilizing tokens, such as transaction cards, such as credit cards or the like, on a computer. The computer is token-enabled, having a token reader and software in communication with itself allowing the token user to communicate with a goods and/or services provider that supports a secure on-line transaction. Moreover, a system and a method are provided for conducting secure transactions on-line with a token having a microchip embedded therein for additional security.Type: ApplicationFiled: June 26, 2003Publication date: December 30, 2004Inventors: William J. Gray, Gerald W. Smith, Carl J. Larkin, Lee J. Peart, Peter D. Saunders, Stuart Fiske, Darren N. Morford
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Publication number: 20040257197Abstract: The present invention discloses a method for facilitating biometric security in a transponder-reader system. The method includes detecting biometrics using a biometric sensor in order to obtain a biometric sample. In one embodiment, the biometric sensor communicates with the transponder-system and is configured with a transponder. In another embodiment, the biometric sensor communicates with the transponder-system and is configured with a reader. The invention also discloses methods for verifying a biometric sample and for authorizing a transaction.Type: ApplicationFiled: March 26, 2004Publication date: December 23, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040252012Abstract: A method for facilitating biometric security in a transponder-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.Type: ApplicationFiled: March 26, 2004Publication date: December 16, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040239481Abstract: The present invention discloses a system and methods for biometric security using facial scan biometrics in a transponder-reader system. The biometric security system also includes a facial scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a facial scan sensor. In another embodiment, the system includes a reader configured with a facial scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing facial scan samples to facilitate authorization of transactions.Type: ApplicationFiled: March 26, 2004Publication date: December 2, 2004Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040239480Abstract: The present invention discloses a method for facilitating biometric security in a transponder-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the transponder-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction.Type: ApplicationFiled: March 26, 2004Publication date: December 2, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040238621Abstract: The present invention discloses a system and methods for biometric security using fingerprint biometrics in a transponder-reader system. The biometric security system also includes a fingerprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a fingerprint sensor. In another embodiment, the system includes a reader configured with a fingerprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing fingerprint samples to facilitate authorization of transactions.Type: ApplicationFiled: March 26, 2004Publication date: December 2, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040236699Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.Type: ApplicationFiled: March 26, 2004Publication date: November 25, 2004Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040232224Abstract: The present invention discloses a method for registering biometric information for use in a transponder-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and transponder information to the transponder-reader system to facilitate associating the biometric sample with the user and transponder information.Type: ApplicationFiled: March 26, 2004Publication date: November 25, 2004Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders
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Publication number: 20040233038Abstract: The present invention discloses a system and methods for biometric security using retinal scan biometrics in a transponder-reader system. The biometric security system also includes a retinal scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a retinal scan sensor. In another embodiment, the system includes a reader configured with a retinal scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing retinal scan samples to facilitate authorization of transactions.Type: ApplicationFiled: March 26, 2004Publication date: November 25, 2004Applicant: American Express Travel Related Services Company, Inc.Inventors: Blayn W. Beenau, David S. Bonalle, Seth W. Fields, William J. Gray, Carl Larkin, Joshua L. Montgomery, Peter D. Saunders