American Express Travel Related Services Company, Inc.

Other

Liberty Peak Ventures, LLC

Iii Holdings 1, LLC

Leigh Reynolds Malnati

Danielle R Nulle

David S Bonalle

Lisa E Skilling-Belmond

Lisa A Webb

Gail A Francolini

Zarita Norcross

Sue Mueller

Steven A Rank

Lee A Allard

Ellen Lasch

Peter Kirwan Bates

Kevin Robert Young

Danielle L Kunian

Samantha S Ing

Pam Kornfeld

Steve Rank

Blayn W Beenau

William Jody Gray

Peter D Saunders

John R Williamson

Susan E Isenberg

Jason Stephen Jagatic

Becky Vander Eyk

Cathy A McGarity

Sevia N Phillips

Amy A Glavasich

Dana J Klaboe

Jennifer Anne Elwood

Brian T Barnes

Michael J Berardi

Alexandra Mayers

Matthew C Hood

Kathryn D Scheding

Sejal Ajit Shah

Sarah E Harrison

Michael Bliman

Elliott Glazer

Lee J Peart

I-Hsin Chuang

Michal Bliman

Aravind Narasimhan

Lesley Leggatt

Peter B Evans

Lisa Frances Marchese

Elizabeth J Taxin

Ursula Winter

Jeannine Haas

Cecilia Sun

Customer data is securely downloaded to a browser toolbar by performing a check to determine whether a request for customer data includes a request for personal identifiable information requiring encryption by a public encryption key generated by the browser toolbar. The customer is authenticated based on a set of a user credential and an account specific access credential. The account specific access credential is associated with the account of the customer. Requested personal identifiable information is encrypted using the public encryption key generated by the browser toolbar. Encrypted personal identifiable information is transmitted to the browser toolbar.

Methods, apparatus and computer program products for securely accessing account data

Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor transaction information to identify eligible transactions at the point of sale. Alternative funding options may be presented at substantially the same time as a transaction is being processed at a point of sale. Based on the user's selection, a credit may be applied to the transaction account corresponding with at least a portion of the transaction amount from the alternative funding source.

System and method for satisfying a transaction amount from an alternative funding source

The invention relates to transaction tokens ('fobs') having wireless functionality and methods of using the same. More specifically, fobs having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver are disclosed. The fobs of this invention may comprise a microchip or other memory component, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may have a quick-release mechanism for easily attaching to and detaching from a securing device, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the enclosed insert.

Wireless transaction fobs and methods of using the same

An interface for interfacing a merchant processor with a card issuer database receives a merchant profile including transaction request data elements and stores the merchant profile in a global merchant database. A request for data corresponding to at least one element of the merchant profile is transmitted to a merchant system and/or a cardmember database. Data corresponding to the merchant profile is received from the merchant system and/or the cardmember database and stored in the global merchant database. A marketing system is notified that at least one record associated with the merchant profile is stored in the global merchant database.

Methods, apparatus and computer program products for interfacing automatic bill payment systems with card issuer database systems

The invention is a computer-implemented method and system to facilitate a purchase utilizing a tax-advantaged account. A request for payment for an item is received from a requester. A determination is made whether the item qualifies for pre-tax treatment. If the item qualifies for pre-tax treatment at least a partial payment amount for the item is determined. The tax-advantaged account is debited for at least a portion of the purchasing amount of the item based on the payment authorization; and the at least partial payment amount for the item is transmitted to an account of the requestor.

Payment programs for healthcare plans

A computer-implemented system and method to facilitate a purchase utilizing a flexible spending account, comprising the steps of: receiving, at a host computer, a request for payment authorization for an item; determining whether the item qualifies for pre-tax treatment; and when the item qualifies for pre-tax treatment: determining at least partial payment authorization for the item, transmitting the at least partial payment authorization for the item to a point of sale device; causing the flexible spending account to be debited for at least a portion of the purchasing amount of the item based on the payment authorization; and debiting a non-flexible spending account for an item not qualifying for pre-tax treatment.

Linking transaction cards with spending accounts

The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

Clear contactless card

Transaction tokens ('fobs') having wireless functionality and methods of using the same are provided. More specifically, fobs are provided having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver. The fobs provided herein may comprise a microchip or other memory means, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may be provided with a quick-release mechanism for easily attaching to and detaching from a securing means, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the insert contained therein.

Radio frequency fobs and methods of using the same

Growing community of inventors

Mountain Lakes, NJ, United States of America

Leigh Reynolds Malnati