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:
Jul. 24, 2007
Filed:
Dec. 13, 2002
Michael J. Berardi, Ft. Lauderdale, FL (US);
Michal Bliman, Matawan, NJ (US);
David Bonalle, New Rochelle, NY (US);
Jennifer Anne Elwood, New York, NY (US);
Matthew C. Hood, Wayne, PA (US);
Susan E. Isenberg, New York, NY (US);
Alexandra Mayers, New York, NY (US);
Trevor J. Perry, West Jordan, UT (US);
Peter D. Saunders, Salt Lake City, UT (US);
Kathryn D. Scheding, New York, NY (US);
Sejal Ajit Shah, New York, NY (US);
Kristin L. Vonwald, North Jordan, UT (US);
John R. Williamson, Salt Lake City, UT (US);
Michael J. Berardi, Ft. Lauderdale, FL (US);
Michal Bliman, Matawan, NJ (US);
David Bonalle, New Rochelle, NY (US);
Jennifer Anne Elwood, New York, NY (US);
Matthew C. Hood, Wayne, PA (US);
Susan E. Isenberg, New York, NY (US);
Alexandra Mayers, New York, NY (US);
Trevor J. Perry, West Jordan, UT (US);
Peter D. Saunders, Salt Lake City, UT (US);
Kathryn D. Scheding, New York, NY (US);
Sejal Ajit Shah, New York, NY (US);
Kristin L. VonWald, North Jordan, UT (US);
John R. Williamson, Salt Lake City, UT (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.