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Berardi Michael J, Bliman Michael, Bonalle David S, Elwood Jennifer Anne, Hood Matthew C, Isenberg Susan E, Malnati Leigh, Mayers Alexandra, Mueller Sue, Norcross Zarita, Saunders Peter D, Scheding Kathryn D, Shah Sejal Ajit, Skilling Belmond Lisa, Vander, Eyk Becky, Williamson John R: A transparent transaction card. American Express Travel Related Services Company, SOBELMAN Howard I, May 27, 2004: WO/2004/044825 (4 worldwide citation)

The present invention relates to a process for producing a 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 reco ...


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Beenau Blayn W, Bonalle David S, Fields Seth W, Gray William J, Larkin Carl, Montgomery Joshua L, Saunders Peter D: System for biometric security using a fob. American Express Travel Related Services Company, Beenau Blayn W, Bonalle David S, Fields Seth W, Gray William J, Larkin Carl, Montgomery Joshua L, Saunders Peter D, SOBELMAN Howard I, October 20, 2005: WO/2005/098737 (3 worldwide citation)

The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric se ...


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Bishop Fred, Saunders Peter D: System and method for authenticating a rf transaction using a radio frequency identification device including a transactions counter. American Express Travel Related Services Company, Bishop Fred, Saunders Peter D, WISCHHUSEN Carl B, April 13, 2006: WO/2006/039180 (2 worldwide citation)

A system and method for securing a Radio Frequency (RF) transaction (100) a RF identification device (RFID) transaction device (102) is provided. RFID transaction device (102) includes a transactions counter for tallying the number of transactions attempted or completed with the RFID transactions de ...


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Berardi Michael J, Bliman Michal, Bonalle David, Elwood Jennifer A, Hood Matthew C, Isenberg Susan E, Mayers Alexandra, Perry Trevor J, Saunders Peter D, Scheding Kathryn D, Shah Sejal Ajit, Vonwald Kristin L, Williamson John R: A transponder-reader payment system. American Express Travel Related Services Company, SOBELMAN Howard I, January 15, 2004: WO/2004/006064 (2 worldwide citation)

(Figure IA) includes a fob (102) including a transponder, and a RFID reader (104) for interrogating the transponder. The system may further include a payment device (110) separate and distinct from the fob. In exemplary operation, the fob identifying information, or the payment device information, m ...


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Beenau Blayn W, Bliman Michal, Bonalle David S, Montgomery Joshua L, Saunders Peter D, Williamson John R: Systems and methods for managing multiple accounts on a rf transaction instrument. American Express Travel Related Services Company, Beenau Blayn W, Bliman Michal, Bonalle David S, Montgomery Joshua L, Saunders Peter D, Williamson John R, FITZPATRICK Joseph, September 29, 2005: WO/2005/089132 (1 worldwide citation)

Systems and methods are configured to manage data sets associated with a transaction instrument. For example, a method is provided for facilitating the management of distinct data sets on a transaction instrument that are provided by distinct data set owners, wherein the distinct data sets may inclu ...


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Beenau Blayn W, Jones Jessica U, Peart Lee J, Saunders Peter D: User experience on mobile phone. American Express Travel Related Services Company, Beenau Blayn W, Jones Jessica U, Peart Lee J, Saunders Peter D, OLIVER Justin J, November 6, 2008: WO/2008/134529 (1 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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Jones Jessica U, Peart Lee J, Beenau Blayn W, Saunders Peter D, Barnes Brian T: Mobile payments system and method. American Express Travel Related Services Company, YU JAHNES Lock See, November 6, 2008: WO/2008/134277 (1 worldwide citation)

A method which enables a merchant to obtain payment for a purchase from a customer who uses a mobile communication device to make the purchase, including uploading an application program to the customer's mobile communication device, and receiving a request for payment from a merchant terminal. The ...


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Beenau Blayn W, Jones Jessica U, Peart Lee J, Saunders Peter D: Payment application download to mobile phone and phone personalization. American Express Trave Related Services Company, Beenau Blayn W, Jones Jessica U, Peart Lee J, Saunders Peter D, OLIVER Justin J, November 6, 2008: WO/2008/134531 (1 worldwide citation)

A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host server in order to achieve successful download of user information With the method and system, a mobile phon ...


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Berardi Michael J, Bliman Michal, Bonalle David, Elwood Jennifer A, Hood Matthew C, Isenberg Susan E, Mayers Alexandra, Perry Trevor J, Saunders Peter D, Scheding Kathryn D, Shah Sejal Ajit, Vonwald Kristin L, Williamson John R: System and method for incenting payment using radio frequency identification in contact and contactless transactions. American Express Travel Relate, August 17, 2005: EP1563421-A2

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 ...