American Express Travel Related Services Company, Inc.

III Holdings 1, LLC

Liberty Peak Ventures, LLC

Stuart Rolinson

Dilip Lachman Aidasani

Kimberly Alderfer

Kate T King

Lisa M Knight

Richard Grant Waters

Estelle Karine Rachel Mangeney

Charles Newman

Sibish Basheer

Kate T Long

Anup Anil Parekh

Abbas-Ali Hassan Rajwani

Mariswaran Balasubramanian

Systems and methods are described related to using flexible circuitry in a payment device. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a biometric identifier associated with a transaction account. The computing device is configured to at least receive, by the antenna, an interrogation signal from a point of sale (POS) device in order to activate the payment device for a payment transaction. The computing device is configured to determine a scanned fingerprint identifier of a user based at least in part on the interrogation signal activating the payment device and authenticate the scanned fingerprint identifier by matching the scanned fingerprint identifier to the biometric identifier. The transaction account is transmitted to the POS device for processing the payment transaction based at least in part on the authentication of the scanned fingerprint identifier.

System and method for using a biometric payment device

Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device that is configured to initiate a first communication session with a first agent client device and generate interaction data associated with the user from the first communication session. A user segment classification is determined for a user account. A user request is received to initiate a second communication. The computing device identifies an agent account of a second agent to participate in the second data communication session. T second communication session is initiated between a client device and a second agent client device associated with the agent account.

Intelligent matching of a user to an agent for a communication session

Embodiments for intelligently matching a user to an agent for a communication session are disclosed. In one example, a system that comprises a computing device with a processor and a memory. The system also includes machine-readable instructions stored in the memory, that when executed, cause the computing device to at least receive a request from a client device to communicate with an agent. The request is associated with a user account. Interaction data associated with the user account is identified. User scores for the user account are determined based on the interaction data. A user segment for the user account is determined based on the user scores. The system identifies an agent to participate in the communication session based on the agent being associated with the user segment and establishes the communication session between an agent client device of the agent and the client device.

Systems and methods are described related to using flexible circuitry in a payment accessory. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a first biometric identifier for a first user and a second biometric identifier for a second user. The first biometric identifier is associated with a first transaction account and the second biometric identifier is associated with a second transaction account. A scanned biometric identifier of the first user is received. The first user is authenticated by matching the scanned biometric identifier to the first biometric identifier. The transponder is activated in response to matching the scanned biometric identifier to the first biometric identifier. The first transaction account is transmitted to a point of sale (POS) device for processing the payment transaction based on the first biometric identifier being linked with the first transaction account.

System and method for using flexible circuitry in payment accessories

Systems and methods described herein may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor and may comprise flexible circuitry. For instance, the fob may be housed in a wearable transaction instrument, such as a bracelet, ring, wrist band, retractable id, necklace, jewelry charm, lanyard, key ring fob, watch, band, pin, and/or the like. The fob is configured to be used in concert with an RFID reader device.

The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.

Systems and methods for gesture-based interaction with computer systems

A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Growing community of inventors

Cave Creek, AZ, United States of America

Stuart Rolinson