1
Blayn W Beenau, David S Bonalle, Becky Vander Eyk, Susan E Isenberg, Leigh Malnati, Sue Mueller, Zarita Norcross, Lee J Peart, Peter D Saunders, Lisa Skilling Belmond, Lisa Webb, John R Williamson: Transparent transaction device. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, July 4, 2006: US07070112 (59 worldwide citation)

The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically r ...


2
William J Gray, William G Hohle, Carl Larkin, Lee J Peart: Smartcard internet authorization system. American Express Travel Related Services Company, Snell & Wilmer L, April 29, 2008: US07366703 (51 worldwide citation)

A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server ...


3
Peter D Saunders, Lee J Peart, Brian T Barnes: System and method for mass transit merchant payment. American Express Travel Related Services Company, Snell & Wilmer L, September 27, 2011: US08025223 (23 worldwide citation)

Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. ...


4
Lee J Peart, Peter D Saunders: System and method for generating an unpredictable number using a seeded algorithm. American Express Travel Related Services Company, Snell & Wilmer L, August 16, 2011: US08001054 (21 worldwide citation)

A random number generating algorithm is seeded with an unpredictable number. The seed value is computed by subjecting variable data to a Secure Hashing Algorithm, and truncating the right most, or left most, 16 bytes from the message digest generated. The algorithm generates the unpredictable number ...


5
Peter D Saunders, Lee J Peart, Brian T Barnes: System and method for mass transit merchant payment. American Express Travel Related Services Company, Snell & Wilmer L, March 5, 2013: US08387873 (20 worldwide citation)

Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. ...


6
Lee J Peart, Peter D Saunders: System and method for securing sensitive information during completion of a transaction. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, June 2, 2009: US07542942 (17 worldwide citation)

A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account issuer permanently assigns the proxy code to a transaction account correlated to the RFID transaction de ...


7
Lee J Peart, Peter D Saunders: Methods and apparatus for a secure proximity integrated circuit card transactions. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, September 8, 2009: US07587756 (16 worldwide citation)

Methods and apparatus for a smartcard system are provided which securely and conveniently provides for secure transaction completion in a contact or contactless environment. The invention utilizes selection of processing applications based on the account issuer parameters and risk factors (stored on ...


8
William J Gray, William G Hohle, Carl Larkin, Lee J Peart: Smartcard internet authorization system. American Express Travel Related Services Company, Snell & Wilmer L, September 21, 2010: US07801829 (12 worldwide citation)

A system and method are disclosed for conducting electronic commerce such as a virtual purchase transaction with an on-line merchant. A user is provided with an intelligent token, such as a smart card containing a digital certificate. The intelligent token suitably authenticates with a wallet server ...


9
Peter D Saunders, Lee J Peart, Brian T Barnes: System and method for mass transit merchant payment. American Express Travel Related Services Company, Snell & Wilmer L, June 8, 2010: US07731086 (9 worldwide citation)

Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. ...


10
Blayn W Beenau, Jessica U Jones, Lee J Peart, Peter D Saunders: User experience on mobile phone. American Express Travel Related Services Company, Snell & Wilmer L, September 24, 2013: US08543496 (6 worldwide citation)

A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being transmitted, incorporate transaction limits and the use of a personal identification number.



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