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American Express Travel Related Services Company, Inc. Patents
Assignee:
American Express Travel Related Services Company, Inc.
Address:
New York, NY
No. of patents:
580
Patents:


1 2 3 4 5 6 7 8 9 10 11 12










Patent Number Title Of Patent Date Issued
7686218 System and method for exchanging loyalty points for acquisitions March 30, 2010
Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange syste
7681118 Methods and apparatus for creating markup language documents March 16, 2010
A method for generating markup language documents, e.g., XML documents, uses a code generator that creates programs configured to create dynamic XML documents at run time, avoiding many of the complexities arising from the use of conventional "XML GENERATE" statements. In one embodiment,
7680738 System and method for executing cash payments via a computer network March 16, 2010
The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor
7680694 Method and apparatus for a user to shop online in a three dimensional virtual reality setting March 16, 2010
A solution is provided for a method for a user to shop online in a three dimensional (3D) virtual reality (VR) setting by receiving a request at a shopping server to view a shopping location, having at least one store, and displaying the shopping location to the user's computer in a 3D
7680688 System and method for exchanging loyalty points for acquisitions March 16, 2010
Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange syste
7672881 Fee allocator system and method March 2, 2010
A system is provided for automatically billing a designated account for fees associated with the costs of tickets and other similar services. Passenger Record Number data and similar data is provided through a Computerized Reservation System and an accounting system to a Fee Allocato
7672870 System and method for monitoring consumer purchasing activity March 2, 2010
The present invention provides a system for implementing a purchaser incentive program on a network-wide level. The system associates SKU and UPC data on a network level to provide consumers with a purchasing environment that is both convenient and cost-efficient. The association of
7669758 Obtaining transaction accounts using identification cards March 2, 2010
A system, method, and computer program product are used to obtain a transaction account. The system comprises at least one input device, at least one credit requesting system, at least one transaction account provider, and at least one credit reporting agency. The input device receiv
7660795 Method and system for implementing and managing an enterprise identity management for distribute February 9, 2010
A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's owners
7653905 System and method for management of requests January 26, 2010
The present invention provides an online messaging architecture configured to process incoming request messages and provide reply messages in an efficient manner. The invention reduces processing overhead within a mainframe computing environment were individual requests are treated as
7650314 System and method for securing a recurrent billing transaction January 19, 2010
A system and method for securing a recurrent billing transaction using a marked proxy code is disclosed. The marked proxy code includes a merchant system marker which is assigned to the merchant and a proxy code assigned to a consumer. An account issuer assigns the proxy code to the cons
7650301 System and method for monitoring acquisition channels January 19, 2010
To ensure merchant acquisition compliance, the invention enables creation of merchant selection criteria that are used to query a database of acquired merchants. A set of acquired merchants is randomly compiled based on the selection criteria and is entered into a workflow to determi
7647257 System and method for web access to financial data January 12, 2010
A web application that enables access to a client's specific account transaction detail. The charge transaction detail can include anything related to charge or credit card transactions including travel transaction detail, corporate card detail and corporate purchasing card detail. T
7644035 Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of January 5, 2010
Processes for reducing fraudulent credit transactions, including financial (e.g., credit, charge, debit, etc.) card transactions, are introduced, in which merchants receive multi-digit authorization codes from a credit provider (e.g., a customer transaction account card user) with all
7644013 System and method for resource optimization January 5, 2010
The present invention includes a method and system to facilitate managing of local and remote resources. The invention facilitates access to a resource engine, for the automatic grading, tracking, scoring, and assigning of resources based on the resource's skills and skill sets. The
7635083 System and method for utilizing a mobile device to obtain a balance on a financial transaction i December 22, 2009
The balance of funds remaining for a stored-value card ("SVC") may easily be determined without going through an actual purchase transaction with the SVC. The balance is obtained wirelessly from a server storing information pertaining to SVCs, and may be provided in a discreet manner.
7627601 System and method for managing simulation models December 1, 2009
A system and method for viewing models and model variables within a sophisticated modeling environment is disclosed. The system provides varying levels of insight into a modeling infrastructure to help the user understand model and model variable dependencies, usage, distribution, an
7627531 System for facilitating a transaction December 1, 2009
The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therew
7624921 Systems, methods and devices for selling transaction instruments December 1, 2009
The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; an
7617153 Global procurement bypass shutdown process and method November 10, 2009
The present invention provides a bypass shutdown process and method to implement change across an organization to help ensure that the procurement of goods and services is done through specifically approved suppliers, and according to appropriate procurement procedures. In a preferre
7613632 System and method for performing automated testing of a merchant message November 3, 2009
Error-testing of merchant messages to be used with point-of-sale (POS) devices is performed by an automated system that receives a formatted message to be tested from a merchant or an agent of the merchant, performs a computer-implemented evaluation of the message according to predef
7613629 System and method for the transfer of loyalty points November 3, 2009
The present invention includes a loyalty program on a network-wide level, wherein the program facilitates a transfer of loyalty points from at least one consumer account associated with a sponsoring company to at least one consumer account associated with a host company. In one embod
7613628 System and method for networked loyalty program November 3, 2009
The present invention provides a system for implementing a loyalty program on a network-wide level. The system associates UPC and SKU data on a network level to reward consumers and/or to analyze the data for a variety of business purposes, such as market segmentation analyses and/or
7611051 Systems, methods and devices for selling transaction instruments November 3, 2009
The present invention generally relates to a system and method for distributing an open transaction instrument. The system includes the steps of: accessibly offering for sale, in a retail environment, the open transaction instrument; selling a selected open transaction instrument; an
7610261 System and method for acquisition, assimilation and storage of information October 27, 2009
In accordance with the present invention, an improved data handling system facilitates the collection, storage and distribution of information for use by one or more recipient performing a process such as assessing the risk associated with a transaction. A system for handling information
7610243 Method and apparatus for rating asset-backed securities October 27, 2009
Share of Wallet ("SOW") is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and
7607583 Clear contactless card October 27, 2009
The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisib
7607045 System and method for testing a modification to a process using a simulator October 20, 2009
A method of testing a process that has undergone modification. The process consists of multiple steps, and execution of the process involves interaction with multiple interfacing systems. A step consists of, e.g., sending a transmission to an interfacing system. The process is executed
7606766 Computer system and computer-implemented method for selecting invoice settlement options October 20, 2009
A method of operating a computer system includes storing attributes of a buying organization, vendors, invoices and/or line-item details from invoices in one or more databases. Rules are established for selecting settlement options for the invoices. The rules are applied such that the
7604176 Radio frequency fobs and methods of using the same October 20, 2009
Transaction tokens ("fobs") having wireless functionality and methods of using the same are provided. More specifically, fobs are provided having radio frequency functionality such that information, such as payment information, identification information, or other like information, may
7603316 Message delivery delegate system and method October 13, 2009
The present invention provides major improvement with respect to electronic transaction reporting and processing by providing advance asynchronous confirmation of a transaction to a consumer while a proxy system processes the consumer submitted transaction through to completion or fa
7599857 System and method for facilitating interaction between consumer and merchant October 6, 2009
An automated method and system is provided for facilitating interaction between a consumer and a merchant using a strong security framework. An offer describing a product and a predetermined means for acceptance is presented via a display. Once the offer has been presented, if the co
7597265 Method and system for vascular scan recognition with a smartcard October 6, 2009
A method for facilitating biometric security in a smartcard-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 i
7594612 Smartcard transaction method and system using retinal scan recognition September 29, 2009
A method for facilitating biometric security in a smartcard-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 i
7594222 System and method for source code analysis September 22, 2009
The invention includes a tool for creating hypertext enabled documents based on one or more source code files wherein calls to programs, subprograms, or functions are hyperlinked to corresponding code sections. The tool may also add documentation to explain interrelationships among c
7590557 Healthcare card incentive program for multiple users September 15, 2009
A computer-implemented arrangement facilitates purchases by multiple cardmembers using respective transaction instruments, each transaction instrument being associated with a single tax-advantaged account. A merchant's requested payment from a point of sale device for a purchase by a
7588184 Metal-containing transaction card and method of making the same September 15, 2009
Metal-containing transaction cards, useful for the purchase of goods and/or services, and methods of making the same are provided. The metal-containing transaction card may have a magnetic stripe, an embedded microchip, a signature panel, a holographic image, or any other feature typ
7587756 Methods and apparatus for a secure proximity integrated circuit card transactions September 8, 2009
Methods and apparatus for a smartcard system are provided which securely and conveniently provides for secure transaction completion in a contact or contactless environment. The invention utilizes selection of processing applications based on the account issuer parameters and risk fa
7587349 Method, system, and computer program product for card selector tool September 8, 2009
A financial transaction instrument selector tool to help customers find a financial transaction instrument that is tailored to that customer's preferences. Preferences are input to a computer. Financial transaction instruments are selected to match the input preferences. The selected
7584151 Electronic purchasing method and apparatus for performing the same September 1, 2009
A computer-assisted method includes hardware, software and telecommunications components that cooperatively achieve the technical effect of an improved electronic purchasing transaction system. In various embodiments of the invention, at least one master account is established for a
7584149 System and method for securing data through a PDA portal September 1, 2009
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
7580869 Method and system for a universal shopping cart having order injection and common payment determ August 25, 2009
A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopp
7577653 Registration system and duplicate entry detection algorithm August 18, 2009
An algorithm for facilitating recognition of duplicative entries of merchant information in a system to prevent, for example, multiple registrations of a merchant by a transaction card company. The algorithm incorporates scoring, weighting and pattern matching to automatically approv
7577594 Medium for a universal shopping cart having order injection and common payment determination August 18, 2009
A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopp
7577593 Method, medium, and system for a universal shopping cart having order injection and common payme August 18, 2009
A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopp
7577592 Method, medium, and system for a universal shopping cart having order injection and common payme August 18, 2009
A universal shopping cart is provided that obtains and orders products and services from different merchants located on the Internet. The consumer completes all of their shopping on the shopping site and is not directed to another merchant's site to complete an order. The universal shopp
7577585 Method and system for completing transactions involving partial shipments August 18, 2009
Embodiments provide systems, apparatus, methods, computer program code, and means for completing transactions involving partial shipments.
7574483 System and method for change management process automation August 11, 2009
The invention enables an enterprise to manage changes to computing infrastructure through an online change management system. The invention enables authorized users to logon to the system, view a personal and holistic calendar, create reports, modify change management records, attach
7571472 Methods and apparatus for credential validation August 4, 2009
A secure credential validation compares stored and received modified credentials, e.g., biometric credentials, such that the validating system does not have access to the unmodified credentials. A capture system and a credential validation system are operatively coupled to a network
7568187 System and method for runtime detection of program parameters July 28, 2009
The present invention provides a computer program utility that may be employed in a COBOL programming environment to calculate the number of parameters passed from one program to another. The parameter counting utility may be called from a second program upon receiving a call with pa
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