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:
Jan. 25, 2005
Filed:
Dec. 24, 2003
Coby Royer, St. Louis, MO (US);
David Armes, Phoenix, AZ (US);
Bill Schwarz, Scottsdale, AZ (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
A system and method is disclosed which enables a consumer to use a PIN biometric, merchant code or other indicia to conveniently instruct a financial institution to activate or access specific financial services or accounts during a particular time period or during a particular transaction. When making a purchase, the cardholder enters account information into a remote terminal such as a POS device, then the cardholder inputs a particular PIN or biometric which is communicated to the financial services provider. The provider interprets the PIN or biometric as an instruction to access or activate a particular service.