1
Michael J Berardi, Michal Bliman, David S Bonalle, Jennifer Anne Elwood, Matthew C Hood, Susan E Isenberg, Alexandra Mayers, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, John R Williamson: System and method for payment using radio frequency identification in contact and contactless transactions. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, July 3, 2007: US07239226 (121 worldwide citation)

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may ...


2
Michael J Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C Hood, Susan E Isenberg, Alexandra Mayers, Trevor J Perry, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, Kristin L VonWald, John R Williamson: System and method for assigning a funding source for a radio frequency identification device. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, July 24, 2007: US07249112 (107 worldwide citation)

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 ...


3
Blayn W Beenau, Michal Bliman, David S Bonalle, Joshua L Montgomery, Peter D Saunders, John R Williamson: Systems and methods for providing a RF transaction device operable to store multiple distinct accounts. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, September 11, 2007: US07268667 (29 worldwide citation)

A RF transaction device is provided, which is operable to store multiple distinct data sets owned by unrelated data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the RF transaction device, wher ...


4
Blayn W Beenau, Michal Bliman, David S Bonalle, Joshua L Montgomery, Peter D Saunders, John R Williamson: Systems and methods for managing multiple accounts on a RF transaction instrument. American Express Travel Related Services Company, Fitzpatrick Cella Harper & Scinto, September 11, 2007: US07268668 (26 worldwide citation)

Systems and methods are presented for managing a plurality of data sets on a financial transaction instrument configured to facilitate performing a financial transaction. A first data set owner and a second data set owner are enrolled in a multiple account management program. A first data set owned ...


5
Michael J Berardi, Michal Bliman, David S Bonalle, Peter D Saunders: System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions. American Express Travel Related Servicex Company, Snell & Wilmer L, September 28, 2010: US07805378 (20 worldwide citation)

A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system and may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier ma ...


6
Michael J Berardi, Michal Bliman, David S Bonalle, Jennifer Anne Elwood, Becky Vander Eyk, Matthew C Hood, Susan E Isenberg, Leigh Malnati, Alexandra Mayers, Sue Mueller, Zarita Norcross, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, Lisa Skilling Belmond, John R Williamson: Clear contactless card. American Express Travel Related Services Company, Snell & Wilmer L, December 11, 2007: US07306158 (14 worldwide citation)

The present invention relates to a process for producing an transparent or translucent transaction card 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 rec ...


7
Michael J Berardi, Michal Bliman, David S Bonalle, Jennifer Anne Elwood, Matthew C Hood, Susan E Isenberg, Alexandra Mayers, Trevor J Perry, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, Kristin L VonWald, John R Williamson: Authorizing payment subsequent to RF transactions. Xatra Fund MX, Snell & Wilmer L, February 15, 2011: US07889052 (8 worldwide citation)

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operatio ...


8
David Bonalle, Michal Bliman, Peter D Saunders, John Robert Williamson: Systems and methods for managing account information lifecycles. American Express Travel Related Services Company, Snell & Wilmer L, April 23, 2013: US08429041 (4 worldwide citation)

Systems and methods are configured to manage data sets associated with a financial transaction instrument. For example, a method is provided for facilitating the management of data sets on a financial transaction instrument that is issued by an issuer. The method includes the steps of: adding, by a ...


9
Michael J Berardi, Michal Bliman, David S Bonalle, Jennifer Anne Elwood, Matthew C Hood, Susan E Isenberg, Alexandra Mayers, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, John R Williamson: System and method for payment using radio frequency identification in contact and contactless transactions. Snell & Wilmer, One Arizona Center, March 11, 2004: US20040049451-A1 (1 worldwide citation)

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may ...


10
Michael J Berardi, Michal Bliman, David Bonalle, Jennifer Anne Elwood, Matthew C Hood, Susan E Isenberg, Alexandra Mayers, Trevor J Perry, Peter D Saunders, Kathryn D Scheding, Sejal Ajit Shah, Kristin L VonWald, John R Williamson: Reload protocol at a transaction processing entity. CHARTOLEAUX KG LIABILITY COMPANY, Brundidge & Stanger P C, September 27, 2016: US09454752

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. 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 provide ...



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