American Express Travel Related Services Company, Inc.

Lydia C Breck

Fred Alan Bishop

David Armes

Jessica Zoob

Glen Salow

Elliott Glazer

Dirk B White

Sohail M Hussain

David E Johnstone

Anant Nambiar

Jeff S Fehlhaber

Elliot Glazer

Margaret C Mitchell

Gabriella P Fitzgerald

Christina Chow

Katie Cunningham

Jan Nunney Belt

Martin Wittwer

William Schwarz

Trey Neeman

Leah M Sweet

The present invention provides a system and method for providing and/or facilitating complete on-line payment services while protecting the privacy of the transaction participants. The comprehensive payment service is based upon a consolidated account used to store value acquired through on-line transactions. The invention provides private payment numbers for protecting the identities of the participants and includes processes for authenticating participants, authorizing transactions, and settling payments. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.

Consolidated payment account system and method

The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

System for facilitating a transaction

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New York, NY, United States of America

Lydia C Breck