David Joseph Knaut

US Patent:

20100004989, Jan 7, 2010

Filed:

May 19, 2009

Appl. No.:

12/468558

Inventors:

David S. Bonalle - New Rochelle NY, US
Aliya Bokhari Bethea - Los Angeles CA, US
Deborah E. Cronen - New York NY, US
Jennie M. Bartkowiak - Los Angeles CA, US
David J. Knaut - Willowbrook IL, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 30/00
G06Q 20/00
G06F 17/30

US Classification:

705 1416, 705 40, 707 3, 707E17014

Abstract:

A network interface, including a referral receiver, a payment processor and a referral matching module. The referral receiver receives a referral presented to a user and the payment processor performs a transaction. In turn, the referral matching module matches the referral with the transaction and communicates the match to a network associated with the referral.

US Patent:

20070174164, Jul 26, 2007

Filed:

Dec 21, 2006

Appl. No.:

11/614784

Inventors:

Janet Biffle - Cave Creek AZ, US
Glade Erikson - Glendale AZ, US
Diane Farrell - Phoenix AZ, US
Chin Khor - Glendale AZ, US
David Knaut - Willowbrook IL, US
Vernon Marshall - Montclair NJ, US
John Rojewski - Glendale AZ, US
Sandeep Sacheti - Edison NJ, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 40/00

US Classification:

705035000

Abstract:

A system, method, and computer program for providing a merchant with a fraud score for a card not present transaction. A card not present transaction is detected. A fraud score is appended to a message that provides information about the card not present transaction. The message is transmitted to the merchant. In one example, the message is an authorization message. In another example the message is an address verification message.