公开(公告)号：US20040267662A1

公开(公告)日：2004-12-30

申请号：US10611034

申请日：2003-06-30

Applicant: American Express Travel Related Service Company, Inc.

Inventor： David Armes ,  Fred Bishop ,  Jeffrey Alan Edelen ,  Bill Schwarz

IPC: G06F017/60

CPC classification number: G06Q30/06 ,  G06Q20/102

Abstract: Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria. The supplier queries a payment system directory to locate candidate payment systems for the transaction. The supplier then interacts directly with one or more of the payment systems to partially or fully process payment for the transaction. Alternatively, the supplier interacts with a gateway service, which queries a payment system directory to locate candidate payment systems and then interacts with one or more of the payment systems to process payment for the transaction.

Abstract translation: 动态地启用和促进企业或其他实体查找和处理付款系统以处理付款的目的。 客户与物品（例如商品或服务）的供应商交互，选择要购买的商品，并向供应商提供付款标准。 供应商查询支付系统目录以查找交易的候选支付系统。 供应商然后直接与一个或多个支付系统进行交互，以部分或全部处理交易的付款。 或者，供应商与网关服务交互，网关服务查询支付系统目录以定位候选支付系统，然后与一个或多个支付系统进行交互以处理交易的支付。

公开(公告)号：US20130126608A1

公开(公告)日：2013-05-23

申请号：US13713976

申请日：2012-12-13

Applicant: American Express Travel Related Service Company, Inc.

Inventor： David S. Bonalle ,  Michael D. Donovan ,  Sherrie G. Jackson ,  Scott Glen Paylor ,  Medina J. Senghore ,  Tracey R. Thomas

IPC: G06F17/00

CPC classification number: G06Q20/341 ,  G06F17/00 ,  G06K19/00 ,  G06K19/06187 ,  G06K19/0719 ,  G06K19/0723 ,  G06K19/07703 ,  G06K19/10 ,  G06K19/12 ,  G06K19/145 ,  G06Q10/02 ,  G06Q20/322 ,  G06Q20/3415 ,  G06Q20/352 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/409 ,  G07F7/1008 ,  H04L9/3006

Abstract: A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

公开(公告)号：US20160381010A1

公开(公告)日：2016-12-29

申请号：US14959744

申请日：2015-12-04

Applicant: American Express Travel Related Service Company, Inc.

Inventor： Naresh Bhandari ,  Manish K. Deliwala ,  Ajay B. Maddukuri ,  John G. McDonald ,  Curtis Watson

IPC: H04L29/06

CPC classification number: H04L63/0435 ,  G06Q20/4012 ,  H04L9/0894 ,  H04L63/067 ,  H04L63/083 ,  H04L2463/061 ,  H04L2463/062 ,  H04W4/80 ,  H04W12/04

Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.

Abstract translation: 一种系统被配置为用于检测销售点，接收个人识别号码（PIN），使用PIN的消息摘要产生基于PIN的密钥，使用基于PIN的密钥解密数据加密密钥（DEK），以及生成 基于DEK的动态键使用基于PIN的键。 系统还可以使用基于DEK的动态密钥解密会话密钥，从会话密钥生成密码，并将密码发送到销售点。

公开(公告)号：US20140188555A1

公开(公告)日：2014-07-03

申请号：US14184556

申请日：2014-02-19

Applicant: American Express Travel Related Service Company, Inc.

Inventor： Sastry VSM Durvasula ,  Janice Law ,  Sandeep K. Sacheti ,  Mary Weissman

IPC: G06Q30/02

CPC classification number: G06Q30/0201 ,  G06Q30/02 ,  G06Q30/0226

Abstract: Systems and methods that identify and manage partner relationships are disclosed. A third-party trustee collects and processes confidential customer information from more than one interested parties. The third-party trustee acts as a neutral intermediary between the parties. The third-party trustee processes and analyzes the information received from the various parties to identify mutual and/or prospective customers between the interested parties. The processing results may then be used for further analysis to help at least one of the interested parties to improve their marketing efforts, risk management, and servicing of their customers.

Abstract translation: 披露了识别和管理合作伙伴关系的系统和方法。 第三方受托人从多个有关方面收集和处理机密的客户信息。 第三方受托人是双方之间的中立中介。 第三方受托人处理和分析从各方收到的信息，以确定相关方之间的相互和/或潜在客户。 然后可以将处理结果用于进一步分析，以帮助至少一个有兴趣的方面改进其营销工作，风险管理和为其客户提供的服务。