American Express Travel Related Services Company, Inc.

Xatra Fund Mx, LLC

Chartoleaux Kg Limited Liability Company

Kristin L VonWald

David S Bonalle

Peter D Saunders

Jennifer Anne Elwood

John R Williamson

Susan E Isenberg

Michal Bliman

Michael J Berardi

Sejal Ajit Shah

Alexandra Mayers

Matthew C Hood

Kathryn D Scheding

Trevor J Perry

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

Reload protocol at a transaction processing entity

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.

Authorizing payment subsequent to RF transactions

A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.

System and method for assigning a funding source for a radio frequency identification device

Growing community of inventors

South Jordan, UT, United States of America

Kristin L VonWald