Tracey Renato Thomas

US Patent:

7347360, Mar 25, 2008

Filed:

Jun 7, 2004

Appl. No.:

10/862646

Inventors:

Ellen Lasch - New York NY, US
Lisa Ann Morrill Webb - Darien CT, US
Priscilla Gandel - Long Branch NJ, US
Tracey R. Thomas - Boonton NJ, US

Assignee:

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

International Classification:

G06K 5/00
G06K 19/00
G06K 19/06
B42D 15/00
B42D 15/10

US Classification:

235380, 487492, 283 72, 283 82

Abstract:

Transaction cards having one or more folds therein for compact and easily stored transaction cards are provided. Moreover, foldable transaction cards are provided having one or more holes or apertures therein for holding key chains, or other devices for attaching the transaction cards to other items, such as sets of keys, wallets, or other items. Other embodiments include spring-loaded clips on the foldable transaction cards and protective sleeves, housings or cases for full-sized and smaller-sized cards. Still further, transaction card systems are provided comprising a case or housing for holding and/or storing foldable transaction cards therein, such as foldable transaction cards having a dimension, such as a length dimension or a width dimension, that is smaller than traditionall-sized transaction cards.

US Patent:

7752102, Jul 6, 2010

Filed:

May 24, 2004

Appl. No.:

10/709701

Inventors:

Tracey R. Thomas - Boonton NJ, US

Assignee:

Consumer and Merchant Awareness Foundation - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the system obtains information related to the user's income, income sources, user's debts (e. g. , bills) and user's goals. The system then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills.

US Patent:

7797208, Sep 14, 2010

Filed:

May 24, 2004

Appl. No.:

10/709703

Inventors:

Tracey R. Thomas - Boonton NJ, US

Assignee:

Consumer and Merchant Awareness Foundation - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the invention obtains information related to the user's income, income sources, user's debts (e. g. , bills) and user's goals, then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The invention also determines a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills.

US Patent:

7849007, Dec 7, 2010

Filed:

May 24, 2004

Appl. No.:

10/709702

Inventors:

Tracey R. Thomas - Boonton NJ, US

Assignee:

Consumer and Merchant Awareness Foundation - New York NY

International Classification:

G06Q 20/00

US Classification:

705 39, 705 26, 705 27, 705 35, 705 36, 705 40

Abstract:

The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the system obtains information related to the user's income, income sources, user's debts (e. g. , bills) and user's goals. The system then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.

US Patent:

7877325, Jan 25, 2011

Filed:

Jan 16, 2009

Appl. No.:

12/355527

Inventors:

Fred A. Bishop - Glendale AZ, US
Bansi L. Sharma - New York NY, US
Tracey R. Thomas - Boonton NJ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 39, 705 38

Abstract:

A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.

US Patent:

7890367, Feb 15, 2011

Filed:

May 1, 2007

Appl. No.:

11/742934

Inventors:

Medina J. Senghore - New York NY, US
Tracey R. Thomas - Boonton NJ, US
Fauziah Ariff - London, GB

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 1428, 705 143, 705 1438

Abstract:

A filtering module to process purchase transaction data received from a retailer POS is disclosed. Merchant information is used to filter purchase transactions by determining whether the purchase transaction qualifies an initiating purchaser for a reward. The retailer POS transmits purchase data from a merchant to a host, wherein the purchase data includes retailer data, transaction data and a retailer item identifier, and wherein the retailer item identifier enables the host to determine a manufacturer item identifier. The retailer POS then receives a determination that the merchant is a qualifying merchant when the purchase data corresponds to the loyalty program data and causes the host to issue loyalty awards based on the manufacturer item identifier and the loyalty program data.

US Patent:

7899744, Mar 1, 2011

Filed:

Jan 16, 2009

Appl. No.:

12/355408

Inventors:

Fred A. Bishop - Glendale AZ, US
Bansi L. Sharma - New York NY, US
Tracey R. Thomas - Boonton NJ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 39, 705 38

Abstract:

A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.

US Patent:

7904385, Mar 8, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/242812

Inventors:

Fred Bishop - Glendale AZ, US
Bansi L. Sharma - New York NY, US
Tracey R. Thomas - Boonton NJ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 39, 705 38

Abstract:

A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.