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:
Nov. 19, 2013
Filed:
Nov. 09, 2012
American Express Travel Related Services Company, Inc., New York, NY (US);
Thomas C. Baker, Grover Beach, CA (US);
Diane M. Derocher, Peoria, AZ (US);
Lawrence Stanton Hoffman, Scottsdale, AZ (US);
Bruno Jimenez, Litchfield Park, AZ (US);
Yogesh R. More, Scottsdale, AZ (US);
Pauline Raffaele, Waddell, AZ (US);
Andrea M. Saporito, New York, NY (US);
Jennifer Lynne Wybraniec, Havertown, PA (US);
American Express Travel Related Services Company, Inc., New York, NY (US);
Abstract
The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account.