Tracey Nicole Thomas

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:

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.

US Patent:

7908214, Mar 15, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/242830

Inventors:

Fred Bishop - Glendale AZ, US
Bansi 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 35, 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.

US Patent:

7925585, Apr 12, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/242797

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 35, 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.

US Patent:

7941367, May 10, 2011

Filed:

Dec 1, 2008

Appl. No.:

12/325523

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 38, 705 39, 705 40

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:

7941372, May 10, 2011

Filed:

Dec 1, 2008

Appl. No.:

12/325576

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 40

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:

7962406, Jun 14, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/242759

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, 705 2635

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.