American Express Travel Related Services Company, Inc.

Lawrence Stanton Hoffman

Diane Derocher

Pauline Raffaele

Jennifer Lynne Wybraniec

Andrea M Saporito

Bruno Jimenez

Thomas C Baker

Yogesh R More

John Fife

Rafael T Perez

Michael E Rice

The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account.

System and method for transferring a line of credit balance to a cash account

The present invention provides major improvement with respect to electronic transaction reporting and processing by providing advance asynchronous confirmation of a transaction to a consumer while a proxy system processes the consumer submitted transaction through to completion or failure through synchronous handoff, persistent retry logic, and exception processing.

Message delivery delegate system and method

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Scottsdale, AZ, United States of America

Lawrence Stanton Hoffman