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American Express Travel Related Services Company Inc patents


Recent patent applications related to American Express Travel Related Services Company Inc. American Express Travel Related Services Company Inc is listed as an Agent/Assignee. Note: American Express Travel Related Services Company Inc may have other listings under different names/spellings. We're not affiliated with American Express Travel Related Services Company Inc, we're just tracking patents.

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Charge splitting across multiple payment systems

A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. ... American Express Travel Related Services Company Inc

Risk assessment and alert system

A system for monitoring risk and generating alerts may include an interface to generate kris and kpis. A monitoring station may use the kris and kpis to evaluate data streams for risk. ... American Express Travel Related Services Company Inc

Insights on a big data platform

A system, method, and computer readable medium (collectively, the “system”) is disclosed for generating real-time insights from a big data storage platform. The system may process transaction data stored in a big data management system (bdms) to generate characteristic data associated with a plurality of demographics. ... American Express Travel Related Services Company Inc

Transaction account charge splitting

A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. ... American Express Travel Related Services Company Inc

System and method for dynamic scaling of concurrent processing threads

A system and method for the dynamic scaling of concurrent processing threads are provided. The system may include a scheduler, a master controller, a thread controller, a process invoker, a reprocess validator, and a server cluster comprising various managed servers. ... American Express Travel Related Services Company Inc

System and method for automated computer system diagnosis and repair

A system and method for automated computer system diagnosis and repair is provided. The system and method may allow for the automated diagnosis and repair of computer system errors without needing a user to manually engage a service desk, help desk, and/or the like. ... American Express Travel Related Services Company Inc

Systems and methods for blockchain based proof of payment

A proof-of-payment system may receive a payment confirmation including a transaction amount and a merchant identifier. The system may select a record from a registration repository by matching the merchant identifier to the record. ... American Express Travel Related Services Company Inc

Systems and methods for modeling and monitoring data access behavior

A system for monitoring data-access behavior is provided. The system may derive a behavioral pattern based on at least one of historic data access by a user or expected data access by the user. ... American Express Travel Related Services Company Inc

Bd - cloaked data system

Systems and methods of securely storing and retrieving data are disclosed. A database may include a table of data with rows and columns and encrypted at rest. ... American Express Travel Related Services Company Inc

Links to metadata labels associated with a charge

A method comprising receiving a category of metadata from an accounting software system, receiving a plurality of metadata labels associated with the category of metadata from the accounting software, receiving a roc, receiving an association of one of the plurality of the metadata labels with the roc, and/or transmitting the roc and the association of the one of the plurality of the metadata labels with the roc to the accounting software system. The category of metadata may comprise a card member name, an image of a receipt associated with the roc, a description, and the like.. ... American Express Travel Related Services Company Inc

Rule based decisioning on metadata layers

The process includes receiving a data set comprising a plurality of rows and a plurality of columns, and applying a first rule based decisioning to the data set to generate a first layer of metadata that comprises at least one of a key, a type indicator, a categorical indicator, and/or a continuous indicator. The first layer of metadata may be descriptive of the data set. ... American Express Travel Related Services Company Inc

Systems and methods for a digital map and canvas layer

The systems may include superimposing a canvas layer having a pixel system over the digital map; aligning the coordinate system of the digital map with the pixel system of the canvas layer; obtaining a location coordinate of the coordinate system to each site of interest of a plurality of sites of interest, wherein the location coordinate is associated with a location of the site of interest on the digital map; associating the location coordinate for the site of interest with a pixel in the pixel system; and creating a marker on the canvas layer on the pixel associated with the location coordinate for the site of interest.. . ... American Express Travel Related Services Company Inc

Systems and methods for estimating transaction rates

A transaction rate estimate system may retrieve an earlier transaction rate estimate along with a new set of transaction data. The new set of transaction data may include a new transaction count and a new time period over which the new transaction count occurred. ... American Express Travel Related Services Company Inc

Systems and methods for custom ranking objectives for machine learning models applicable to fraud and credit risk assessments

A system for analyzing risk using machine learning models may be trained using a data set to generate a risk assessment model that is optimized for metrics commonly used in for financial risk evaluation. The metrics may include gini and capturerate, for example. ... American Express Travel Related Services Company Inc

06/28/18 / #20180181998

Transactions with reward points

A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.. ... American Express Travel Related Services Company Inc

06/28/18 / #20180181806

Systems and methods for a digital map with virtual barriers

The systems may include dividing a digital map provided by a mapping system into a matrix having a plurality of cells; assigning a cell of the plurality of cells to encompass a geographic region of the digital map; calculating a number of sites of interest in the cell; creating a marker comprising a first count number representing the number of sites of interest in the cell; and sharing the marker with a browser for display on the digital map.. . ... American Express Travel Related Services Company Inc

06/28/18 / #20180181610

Systems and methods for processing data service requests

Systems and methods for processing data service requests are disclosed. The system may receive a data service request comprising a unique process code and a data input. ... American Express Travel Related Services Company Inc

06/21/18 / #20180173812

Systems and methods for parsing and ingesting data in big data environments

The system may validate a data source having a structured format and a grammar that includes tags. The system may identify a tag in the grammar. ... American Express Travel Related Services Company Inc

06/14/18 / #20180165738

Enhanced view system

The systems may include receiving an image of a location captured by a web client associated with the consumer; receiving location information associated with the location; detecting a site marker in the image based on the location information, wherein the site marker is associated with a site in the image; associating the site with a portion of the image; obtaining an information box, which is associated with the site; and facilitating a display of the image including the information box on the web client. The information box may be disposed over or around the portion of the image associated with the site that is associated with the information box. ... American Express Travel Related Services Company Inc

05/31/18 / #20180150816

Mobile payment system

The systems may include receiving a device identifier to create a received device identifier, the received device identifier being associated with a personal pos terminal on a device associated with a consumer; matching a stored device identifier with the received device identifier; activating the personal pos terminal on the device associated with the stored device identifier; and/or receiving a payment token associated with a transaction account associated with the consumer for a transaction.. . ... American Express Travel Related Services Company Inc

05/24/18 / #20180144342

Rapid checkout pre-initiation

A consumer may indicate that the consumer intends to complete a transaction at a merchant. An authorizing entity may perform some of the authorization inquiries typically performed at the time of checkout. ... American Express Travel Related Services Company Inc

05/17/18 / #20180137506

System and method for automated linkage of enriched transaction data to a record of charge

Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. ... American Express Travel Related Services Company Inc

05/03/18 / #20180121519

Systems and methods for a self-services data file configuration with various data sources

A system for generating and delivering custom data sets in a big data environment may receive a preselected schema that identifies a plurality of columns from a plurality of data sources for inclusion in an output data file. The system reads data from the data sources to generate a data file containing a big data table. ... American Express Travel Related Services Company Inc

04/12/18 / #20180101857

Systems and methods for electronic payment using loyalty rewards

A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. ... American Express Travel Related Services Company Inc

04/12/18 / #20180101691

Systems and methods for role-based file access control

A system for applying access permissions to read requests may write a file to a storage media. The file may contain data, an embedded flag, and an embedded verification datum of the embedded flag. ... American Express Travel Related Services Company Inc

04/05/18 / #20180097834

Security related data for a risk variable

An adaptable network security system includes trust mediator agents that are coupled to each network component. Trust mediator agents continuously detect changes in the security characteristics of the network and communicate the detected security characteristics to a trust mediator. ... American Express Travel Related Services Company Inc

03/29/18 / #20180089669

Systems and methods for an electronic payment system

The systems may include receiving consumer account information associated with a consumer engaging in a transaction with a merchant; receiving transaction information associated with the transaction; generating a unique payment link associated with the transaction; transmitting the unique payment link to the merchant; allowing the merchant access to the transaction portal via the unique payment link; receiving merchant account information associated with the merchant; and transmitting a payment to the merchant for the transaction.. . ... American Express Travel Related Services Company Inc

03/29/18 / #20180089627

System and method for advanced candidate screening

A system and method for advanced candidate screening is provided. The system may receive a candidate resume comprising candidate identifying information and candidate skills. ... American Express Travel Related Services Company Inc

03/29/18 / #20180089066

Software testing management

A system may scan a version control repository to detect a first code and/or a first file written for a first test framework. The system may create a first test case in an sor in response to detecting the first code and/or the first file. ... American Express Travel Related Services Company Inc

03/22/18 / #20180082295

Rapid mobile account provisioning

A consumer may apply for a new transaction account, or request a new transaction instrument for an existing transaction account. However, a card security code (“csc”) may not be available at the time that the transaction account is created. ... American Express Travel Related Services Company Inc

03/22/18 / #20180082274

Department of defense point of sale

A transaction account issuer may obtain receive an application for a transaction account which includes a department of defense identification code. The transaction account issuer may verify the dod id number with the dod. ... American Express Travel Related Services Company Inc

03/22/18 / #20180081955

System and method for test data management

The method for test data management may comprise receiving a test data characteristic; retrieving a master copy data from a master copy database; generating a secondary copy data, wherein the secondary copy data comprises a subset of the master copy data corresponding to the test data characteristic; generating a test copy data, wherein the test copy data is a copy of the secondary copy data; and transmitting the test copy data to a test environment. In this manner, the efficiency and resiliency of the system may be enhanced, and the test copy data may be improved so that the network may function according to approved parameters.. ... American Express Travel Related Services Company Inc

03/15/18 / #20180077141

Code sequencing

A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. ... American Express Travel Related Services Company Inc

03/15/18 / #20180075489

Tailored content with tailored options related to reminders

The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. ... American Express Travel Related Services Company Inc

03/15/18 / #20180075453

Systems and methods for blockchain based payment networks

A system for operating a payment network with a blockchain-based ledger may prepare a request to complete a transaction from an account associated with a payer digital wallet for entry on the blockchain. The request may include an amount and payee address associated with a payee digital wallet. ... American Express Travel Related Services Company Inc

03/15/18 / #20180075420

Systems and methods for integrating healthy living programs with payment networks

A computer-based system may register a fitness device with a transaction account by associating a device identifier of the fitness device with the transaction account in a database. The system may detect a health-related activity such as, for example, measurements from the fitness device, social media posts, or user recommendations. ... American Express Travel Related Services Company Inc

03/08/18 / #20180068395

Systems and methods for an automatically-updating fraud detection variable

The systems and methods herein may include receiving a plurality of transactions for a plurality of consumers, wherein each respective transaction of the plurality of transactions is between a consumer of the plurality of consumers and a merchant of a plurality of merchants; automatically inputting the plurality of transactions into a neural network; automatically analyzing the plurality of transactions over a plurality of iterations, wherein an iteration of the plurality of iterations comprises cycling through a consumer transaction history associated with the consumer, wherein the consumer transaction history has a consumer transaction sequence associated with the consumer; and automatically updating over the plurality of iterations, a previous fraud detection variable associated with the consumer and/or the merchant to generate updated fraud detection variables, in response to the analyzing the plurality of transactions.. . ... American Express Travel Related Services Company Inc

03/08/18 / #20180068212

Ceramic-containing transaction card with a fill panel

A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. ... American Express Travel Related Services Company Inc

02/22/18 / #20180052764

Systems and methods for software testing and test management

A software testing system may identify various test suites that include test conditions, test data, test environments, and/or a user access controls. The test suites may be used to generate a test bed map including dependencies of the various test suites. ... American Express Travel Related Services Company Inc

02/15/18 / #20180047113

Associating an image of a receipt with a record of charge

Systems, methods, and articles of manufacture for expense management are disclosed. A user may submit receipts for one or more transactions into an expense management system. ... American Express Travel Related Services Company Inc

02/08/18 / #20180039512

System and method for automated continuous task triggering

A system and method for automated continuous task triggering is provided. The system may provide automated continuous task triggering by monitoring a data source and a data output, retrieving a task criteria from a criteria database, and executing a task in response to the task criteria being met. ... American Express Travel Related Services Company Inc

02/01/18 / #20180034713

Routing service call messages

The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more apis, comprises a method for integrating value added services within a network of participants, for instance, a payment network. ... American Express Travel Related Services Company Inc

02/01/18 / #20180032427

Test script configuration spreadsheet

A test script may be written in a test script configuration spreadsheet. A plurality of test scripts may be listed in a test suite spreadsheet. ... American Express Travel Related Services Company Inc

01/11/18 / #20180012221

Systems and methods for points-of-sale transactions and custom content

A system may receive a request for user data associated with a user account, transmit the user data in response to the request, and receive an authorization request for a transaction from a merchant device. The authorization request may include transaction data and an item identifier. ... American Express Travel Related Services Company Inc

12/28/17 / #20170372093

Forming a protected data field entry

The system may comprise receiving a data element, and receiving an encryption key and an associated encryption key identifier from an encryption keystore database. The system may further comprise transmitting the data element to an encryption module for encryption using the encryption key to form an encrypted data element. ... American Express Travel Related Services Company Inc

12/14/17 / #20170357997

Transaction triggered rewards

The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of initiating purchases in a broadcast channel. ... American Express Travel Related Services Company Inc

12/14/17 / #20170357964

Systems and methods for a merchant-specific payment token

The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (mid) associated with the merchant, matching the mid with a token requestor identifier (trid) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the trid and the account identifier, and transmitting the digital token to the merchant.. . ... American Express Travel Related Services Company Inc

11/30/17 / #20170346813

Expected response one-time password

A system may generate a seed one-time password (otp). The system may also perform steps including transmitting the seed otp to a user device, receiving a response otp from the user device, and calculating an expected response otp by applying a function to the seed otp. ... American Express Travel Related Services Company Inc

11/30/17 / #20170344970

Authorizing an initially declined authorization request

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.. ... American Express Travel Related Services Company Inc

11/30/17 / #20170344870

Method for creating ceramic-containing transaction cards

A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. ... American Express Travel Related Services Company Inc

11/30/17 / #20170344869

Ceramic-containing transaction cards and methods of making the same

A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. ... American Express Travel Related Services Company Inc

11/16/17 / #20170332083

Mobile device image compression

The system may capture an image comprising an original image size. The system may further determine an optimal size for the image based on a connection bandwidth and/or connection latency. ... American Express Travel Related Services Company Inc

11/16/17 / #20170330233

Systems and methods for contextual services across platforms based on selectively shared information

A system may store a first merchant identifier in response to a registration of a first merchant and a user identifier in response to a registration of a user. The system may also store an access permission to control access by the first merchant to a first context. ... American Express Travel Related Services Company Inc

11/16/17 / #20170330215

Systems and methods for contextual services using voice personal assistants

A system may store a first merchant identifier in response to a registration of a first merchant and a user identifier in response to a registration of a user. The system may also store an access permission to control access by the first merchant to a first context. ... American Express Travel Related Services Company Inc

11/16/17 / #20170330210

Consumer household spend capacity

The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. ... American Express Travel Related Services Company Inc

11/16/17 / #20170330178

Protection methods for financial transactions

A secure mobile financial transaction is provided by receiving a list of protection methods from an external terminal over a communication network. A matrix of protection methods corresponding to the external terminal is created based on the identified protection methods. ... American Express Travel Related Services Company Inc

11/16/17 / #20170330176

Purchase indicator

The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of initiating purchases in a broadcast channel. ... American Express Travel Related Services Company Inc

10/12/17 / #20170295493

Mobile device sensor data

A system, method, and computer-readable medium for reporting sensor data over a communication network are provided. A data reporting instruction that identifies at least one of a sensor or a data reporting technique is received from a trust mediator over a communication network. ... American Express Travel Related Services Company Inc

10/05/17 / #20170289303

Manner of display in a mobile application

In various embodiments, the systems, methods and computer-readable mediums (collectively “system”) discussed herein may be configured to enable a single mobile application to receive dynamically customized content. The criteria and/or preferences that influence the dynamically customized content may be defined by a user and/or may be automatically detected by a user device. ... American Express Travel Related Services Company Inc

10/05/17 / #20170286996

Expenditures based on ad impressions

The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. ... American Express Travel Related Services Company Inc

10/05/17 / #20170286945

Form factor with an alias code and a secure chip id

Systems and methods may comprise rfid data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. ... American Express Travel Related Services Company Inc

10/05/17 / #20170286941

Splitting group charges

A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. The method may comprise receiving, by a bill splitting computer-based system, a single record of charge (roc) associated with a purchase by one or more members of a group, and splitting, by the bill splitting computer-based system, the roc between the members of the group.. ... American Express Travel Related Services Company Inc

10/05/17 / #20170286931

Automated teller machine control server native format

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. ... American Express Travel Related Services Company Inc

10/05/17 / #20170286713

Encryption key effective date

The system may comprise receiving a data element, and receiving an encryption key and an associated encryption key identifier from an encryption keystore database. The system may further comprise transmitting the data element to an encryption module for encryption using the encryption key to form an encrypted data element. ... American Express Travel Related Services Company Inc

09/28/17 / #20170279758

Systems and methods for asynchronous communication

A system may receive a first message transmitted over a network from a first device. A first invitation to join a text-based communication channel may be transmitted to the first device in response to the first message. ... American Express Travel Related Services Company Inc

09/28/17 / #20170278099

System and method for closing pre-authorization amounts on a virtual token account

A system for closing pre-authorization amounts on a virtual token account is disclosed. The system may receive a transaction authorization request for a virtual token. ... American Express Travel Related Services Company Inc

09/21/17 / #20170270603

Systems and methods for bill payment with dynamic loan capacity

A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. ... American Express Travel Related Services Company Inc

09/21/17 / #20170270509

Multi-factor mobile user authentication

A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.. ... American Express Travel Related Services Company Inc

09/14/17 / #20170262872

Ranking merchants

The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. ... American Express Travel Related Services Company Inc

09/14/17 / #20170262854

Systems and methods for processing metadata statements in payment flows

A system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. ... American Express Travel Related Services Company Inc

09/14/17 / #20170262848

Systems and methods for regulating transactions

The systems may include receiving from a user an action parameter, associating the action parameter with a user profile associated with the user, storing the action parameter, receiving an authorization request from a merchant for a transaction with the user, comparing the action parameter with transaction identification information, and/or sending an authorization response in response to comparing the action parameter with transaction identification information.. . ... American Express Travel Related Services Company Inc

09/07/17 / #20170255937

Systems and methods for transaction account tokenization

A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. ... American Express Travel Related Services Company Inc

08/31/17 / #20170249697

System and method for machine learning based line assignment

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A line prediction host may comprise various modules and engines, wherein lookalike records may be identified wherein the line assignment of a credit limit to a prospective account holder may be enhanced for enhanced account member value, wherein the transaction network more properly functions according to approved parameters.. ... American Express Travel Related Services Company Inc

08/31/17 / #20170249556

Predictive modeling

A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data in the form of a flat file. ... American Express Travel Related Services Company Inc

08/31/17 / #20170249324

Production phase website launch

A method for progressively launching a website is disclosed. A production phase website may be launched or made available to a limited number of consumers. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228777

Ranking merchants based on a normalized popularity score

The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228758

Offers selected during authorization

A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228737

Systems and methods for payment using biometric information

The systems and methods described herein generally relate to payment using biometric information. The systems and methods may comprise operations performed by a computer based system comprising various components. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228736

Pseudo authorization messages

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. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228726

Systems and methods for secure transactions

A system may transmit a time-based token to the merchant device. The system may receive a second merchant session key, a customer session key, a customer id, a customer device certificate, and a second transaction amount from a customer device. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228454

Adjusting an entity graph based on entity relationship strength

The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. ... American Express Travel Related Services Company Inc

08/10/17 / #20170228452

System and method for data analytics

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning knn host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning knn network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.. ... American Express Travel Related Services Company Inc

07/27/17 / #20170213223

System and method for verified merchant industry code assignment

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A vic assignment system may comprise various modules and engines as discussed herein wherein a vic code may be determined and assigned to a merchant for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services, such as credit risk evaluation, fraud detection, bonusing, and dispute arbitration. ... American Express Travel Related Services Company Inc

07/27/17 / #20170212731

Systems and methods for visual data management

An authoring tool may comprise a plurality of predefined functions displayed in a visual manner. A user may select functions from the predefined functions to create a logic map. ... American Express Travel Related Services Company Inc

07/20/17 / #20170206477

System and method for health monitoring of business processes and systems

A system to holistically provide continuous health monitoring of business processes and systems is disclosed. The system may identify a business process for health monitoring. ... American Express Travel Related Services Company Inc

07/13/17 / #20170201521

Contextual injection

A system may deliver contextual services with dynamic intelligent behavior. The system may receive a first request from a device of a user. ... American Express Travel Related Services Company Inc

07/13/17 / #20170200222

Systems and methods for data segmentation and real time eligibility

An eligibility module may receive batch credit bureau data and real time transaction data. The eligibility module may rank and score consumer based on the credit bureau data and the transaction data. ... American Express Travel Related Services Company Inc

07/13/17 / #20170200151

System and method for creating and administering electronic credentials

The system may be configured to create and manage electronic credential information. The system may generate, by the computer based system and via a token engine, a first token. ... American Express Travel Related Services Company Inc

07/13/17 / #20170199998

Contextual identification and information security

A system may identify a user based on inputs from multiple devices. The system may determine a confidence score based on the probability that the system accurately identifies the user. ... American Express Travel Related Services Company Inc

07/13/17 / #20170199922

System and method for managing data and updates to a database structure

The system manages database structure updates. The system may receive, via a development gateway, a development script. ... American Express Travel Related Services Company Inc

07/13/17 / #20170199896

Systems and methods for processing binary mainframe data files in a big data environment

A system may read an input file having an input file size and including a first record and a second record. The first and second record may each have a record length. ... American Express Travel Related Services Company Inc

07/13/17 / #20170199857

System and method for online purchase autofill

Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. A online purchase autofill plugin may comprise various modules and engines as discussed herein wherein the fields of online forms may be identified and wherein the fields of online forms may be automatically filled, wherein the user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.. ... American Express Travel Related Services Company Inc

07/06/17 / #20170193534

System and method for transaction volume determination

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.. ... American Express Travel Related Services Company Inc

07/06/17 / #20170193528

Systems and methods for the storage and analysis of vendor information

The systems and methods described generally relate to evaluating vendors. The systems and methods may comprise operations performed by a computer based system comprising various components. ... American Express Travel Related Services Company Inc

07/06/17 / #20170193513

Digital wallet fraud guard

Systems and methods of improving the operation of a transaction network and transaction network devices through use of a digital wallet fraud guard system are disclosed. A digital wallet fraud guard system may comprise various modules and engines, wherein the probability that a transaction is fraudulent may be evaluated for establishing better secured usage of transaction instruments. ... American Express Travel Related Services Company Inc

06/29/17 / #20170187744

Security safeguard modification

An adaptable network security system includes trust mediator agents that are coupled to each network component. Trust mediator agents continuously detect changes in the security characteristics of the network and communicate the detected security characteristics to a trust mediator. ... American Express Travel Related Services Company Inc

06/29/17 / #20170186060

Purchase instructions complying with reservation instructions

The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. ... American Express Travel Related Services Company Inc

06/29/17 / #20170185801

Pre-cloud data protection

The present disclosure includes a method comprising encrypting sensitive data, generating a token comprising a data identifier, tokenizing the encrypted sensitive data, and/or storing the encrypted sensitive data in association with the token to a token vault. Tokenizing may comprise mapping the encrypted sensitive data to the token. ... American Express Travel Related Services Company Inc

06/22/17 / #20170178087

System and method for test data provisioning

Systems and methods of improving the operation of a test data provisioning network and test data provisioning network devices is disclosed. A data hub layer comprising an interstitial logic boundary at a periphery of a consumption environment and configured to interact with a production environment whereby test data may be provisioned without direct access by a user to the production environment. ... American Express Travel Related Services Company Inc

06/22/17 / #20170177888

Systems and methods for access control over changing big data structures

A system may receive a query configured to access a column in a data table. The data table may be in a flat file in a big data storage format. ... American Express Travel Related Services Company Inc

06/22/17 / #20170177682

System and method for translating versioned data service requests and responses

A system for translating versioned data service requests and responses is provided. A service request for data may have multiple different versions, with each version requesting different types of data. ... American Express Travel Related Services Company Inc

06/15/17 / #20170171214

Systems and methods for privileged access management

A master database server may store policy tables which are replicated to sql databases on a periodic schedule. A master server may receive a privileged command request from a user. ... American Express Travel Related Services Company Inc

06/08/17 / #20170161842

System and method for small business owner identification

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A sbo identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. ... American Express Travel Related Services Company Inc

06/08/17 / #20170161738

Next expected session key

A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. ... American Express Travel Related Services Company Inc

06/08/17 / #20170161727

System and method for creating and issuing virtual transaction instruments

A virtual transaction account may be issued to a designated recipient, wherein authorization limits may limit the duration, availability, value, and functionality of the virtual transaction account. The virtual transaction account may be linked and depend from a parent transaction account, and contain similar payment functionalities as a credit card. ... American Express Travel Related Services Company Inc

06/01/17 / #20170154336

System and method for data analytics

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A transaction network host may comprise various modules and engines as discussed herein wherein the probability that a transaction is a business or personal transaction may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes. ... American Express Travel Related Services Company Inc

05/18/17 / #20170140413

System and method for multi-connection point of sale terminal for activity tracking

The system is configured to monitor and operate a hybrid reward system with a multi-channel point of sale terminal. The system may perform operations including receiving, by a computer based system and via a first connection from a point of sale terminal, reward program information and transaction information in response to a reward program instrument being presented at the point of sale terminal. ... American Express Travel Related Services Company Inc

05/18/17 / #20170140359

Secure government transactions

A transaction account issuer may obtain receive an application for a transaction account which includes a department of defense identification code. The transaction account issuer may verify the dod id number with the dod. ... American Express Travel Related Services Company Inc

05/18/17 / #20170140160

System and method for creating, tracking, and maintaining big data use cases

A system may register a use case with the use case including an application. An application identifier may be assigned to the application. ... American Express Travel Related Services Company Inc

05/18/17 / #20170139997

System and method for reading and writing to big data storage formats

A system may receive a request for access to a first variable. The request may include a requested action and a variable identifier for the first variable. ... American Express Travel Related Services Company Inc

05/18/17 / #20170139976

Integrated big data interface for multiple storage types

A system may store a plurality of first records comprising a first variable in a first data storage format. The system may also store a plurality of second records comprising a second variable in a second data storage format. ... American Express Travel Related Services Company Inc

05/18/17 / #20170139952

System and method transforming source data into output data in big data environments

A system may receive a request to derive an output variable from a source variable. The request may include proposed logic to derive the output variable from the source variable. ... American Express Travel Related Services Company Inc

05/18/17 / #20170139929

System and method for automatically capturing and recording lineage data for big data records

A system may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. The transformation may include logic, and the output variable may be configured for ingestion into a big data storage format. ... American Express Travel Related Services Company Inc

05/18/17 / #20170139674

Systems and methods for tracking sensitive data in a big data environment

A system may retrieve a pattern from a pattern database with the pattern identifying a type of sensitive data. The system may also retrieve data identified by a variable from a big data management system. ... American Express Travel Related Services Company Inc

05/11/17 / #20170132610

Alias code provisioned onto a secure chip

Systems and methods may comprise rfid data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. ... American Express Travel Related Services Company Inc

05/11/17 / #20170132592

Service request messaging

A method includes receiving a message comprising a user identification code via a social media messaging channel. In addition, the method includes receiving geo-location information of the device transmitting the message. ... American Express Travel Related Services Company Inc

04/13/17 / #20170104746

System and method for data security on big data sets

Systems and methods of securely storing and retrieving data are disclosed. A database may include a table of data with rows and columns and encrypted at rest. ... American Express Travel Related Services Company Inc

04/13/17 / #20170104742

System and method for communicating between distributed applications and databases

A jboss application may allow for a distributed application hosted on a jboss application server to connect to a hierarchical type database. Additionally, the jboss application may communicate via ims connect and open database manager common service layers in order to retrieve the data from the ims databases. ... American Express Travel Related Services Company Inc

04/06/17 / #20170098286

Systems and methods for generating curated and custom content for data-driven applications using closed-loop data

A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. ... American Express Travel Related Services Company Inc

04/06/17 / #20170098242

Systems and methods for generating curated and custom content for data-driven applications using closed-loop data

A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. ... American Express Travel Related Services Company Inc

03/30/17 / #20170091817

System and method for creating dynamic advertisements

A transaction account provider may obtain transaction information from consumer transactions and information from a consumer browsing a transaction account provider website, collectively first-party data. A web server may obtain second-party data from a consumer's use of a merchant website. ... American Express Travel Related Services Company Inc

03/30/17 / #20170091533

Systems and methods for authenticating facial biometric data against secondary sources

A system may receive a primary image containing a first set of facial feature data. The primary image may be sent by a facial recognition device for association with a user account. ... American Express Travel Related Services Company Inc

03/23/17 / #20170085558

Systems and methods for secure one-time password validation

A system may generate a seed one-time password (otp). The system may also perform steps including transmitting the seed otp to a user device, receiving a response otp from the user device, and calculating an expected response otp by applying a function to the seed otp. ... American Express Travel Related Services Company Inc

03/23/17 / #20170083694

Systems and methods for gesture based biometric security

A system receives a source and a metadata layer that describes the source. The source may comprise source records with fields containing source data, and the metadata layer may include metadata comprising at least one of a field data type, a field data length, a field description, or a record length. ... American Express Travel Related Services Company Inc

03/09/17 / #20170068582

Systems and methods for data validation and processing using metadata

A system receives a source and a metadata layer that describes the source. The source may comprise source records with fields containing source data, and the metadata layer may include metadata comprising at least one of a field data type, a field data length, a field description, or a record length. ... American Express Travel Related Services Company Inc

03/02/17 / #20170061435

Using a secondary identifier to select a data set

Systems and methods are configured to manage data sets associated with multiple transaction devices. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other the transaction devices user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. ... American Express Travel Related Services Company Inc

03/02/17 / #20170061272

Magnetic card swipe emulation systems and methods

A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. ... American Express Travel Related Services Company Inc

02/16/17 / #20170048277

Selectable encryption methods

A secure mobile financial transaction is provided by receiving, over a communication network, a list of protection mechanisms available for implementation by an external terminal. Security-related data is received from one or more sensors and an attack signature is computed based on the security-related data. ... American Express Travel Related Services Company Inc

02/16/17 / #20170046750

Social media distribution channels

A system is disclosed for allowing a merchant to create offers for distribution via multiple distribution channels. The distribution channels may include social media networks and location based services. ... American Express Travel Related Services Company Inc

02/16/17 / #20170046727

Systems and methods for customized real time data delivery

The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. ... American Express Travel Related Services Company Inc

02/16/17 / #20170046251

Automated testing of webpages

A test script may be written in a test script configuration spreadsheet. A plurality of test scripts may be listed in a test suite spreadsheet. ... American Express Travel Related Services Company Inc

02/09/17 / #20170039555

Anonymized access to online data

Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-pii). ... American Express Travel Related Services Company Inc

02/09/17 / #20170039257

Callable change record data

This disclosure relates to improving the efficiency and quality of real-time extracting, transforming, and/or loading data using customer information control system (cics) interval control element (ice) chain processing.. . ... American Express Travel Related Services Company Inc

01/26/17 / #20170024716

System and method for single page banner integration

A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction account provider server and may invite the user to select an offer. ... American Express Travel Related Services Company Inc

01/19/17 / #20170017678

System and method for recursive metadata layers on big data sets

The process includes receiving a data set comprising a plurality of rows and a plurality of columns, and applying a first rule based decisioning to the data set to generate a first layer of metadata that comprises at least one of a key, a type indicator, a categorical indicator, and/or a continuous indicator. The first layer of metadata may be descriptive of the data set. ... American Express Travel Related Services Company Inc

01/12/17 / #20170011458

Tradeline fingerprint

Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. ... American Express Travel Related Services Company Inc

01/12/17 / #20170011321

Uplifting of computer resources

The present disclosure improves upon existing systems and methods by providing a tool for managing processing resources. For instance, the presently described tool may be used to time replacement, plan for uplifts, budget for uplifts/decommissioning of hardware, and/or maintain a plurality of servers. ... American Express Travel Related Services Company Inc








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