The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 11, 2018
Filed:
Dec. 02, 2015
American Express Travel Related Services Company, Inc., New York, NY (US);
Vernon Marshall, London, GB;
Arnab Bose, Jersey City, NJ (US);
Houman Motaharian, Glen Rock, NJ (US);
Ashish Kapatia Sharma, Jersey City, NJ (US);
Surabhi Singhal, Harrison, NJ (US);
Chao Yuan, Montclair, NJ (US);
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., New York, NY (US);
Abstract
Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.