Elizabeth P Holt

US Patent:

7431208, Oct 7, 2008

Filed:

Feb 5, 2007

Appl. No.:

11/671287

Inventors:

Gennye Hannover Feldman - New York NY, US
Elizabeth Anne Holt - Salt Lake City UT, US
Marc Rubner - Scottsdale AZ, US
John R. Rose - Layton UT, US
Nicole Milne Vollmer - Murray UT, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06K 5/00

US Classification:

235380, 235375, 235383

Abstract:

The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

US Patent:

7783517, Aug 24, 2010

Filed:

May 9, 2008

Appl. No.:

12/118581

Inventors:

Gennye Hannover Feldman - New York NY, US
Elizabeth Anne Holt - Salt Lake City UT, US
Marc Rubner - Scottsdale AZ, US
John R. Rose - Layton UT, US
Nicole Milne Vollmer - Murray UT, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06Q 20/00

US Classification:

705 17, 705 16

Abstract:

The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

US Patent:

7900826, Mar 8, 2011

Filed:

May 9, 2008

Appl. No.:

12/118573

Inventors:

Gennye Hannover Feldman - New York NY, US
Elizabeth Anne Holt - Salt Lake City UT, US
Marc Rubner - Scottsdale AZ, US
John R. Rose - Layton UT, US
Nicole Milne Vollmer - Murray UT, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06K 5/00

US Classification:

235380, 235381

Abstract:

The present invention generally relates to a system and method for distributing a transaction instrument. The system includes the steps of: offering for sale, in a retail environment, the transaction instrument; selling a selected transaction instrument; communicating with the issuer of the transaction instrument via an internet accessible web site, and enabling the use of the transaction instrument. The transaction instrument may be, for example, an open pre-paid card. The distribution of the transaction instrument may also include the step of sending a message, through the web site, in substantially real time, causing the pre-paid transaction instrument to be funded but not activated until later through an interactive voice response system, for example. In another example, an associated transaction account may be funded and activated at the time of distribution. Furthermore, an issuer system may be suitably configured to leverage existing Travelers Cheque infrastructure for inventory and related processes.

US Patent:

8070056, Dec 6, 2011

Filed:

Mar 5, 2009

Appl. No.:

12/398394

Inventors:

Gennye Hannover Feldman - New York NY, US
Elizabeth Anne Holt - Salt Lake City UT, US
Marc Rubner - Scottsdale AZ, US
John R. Rose - Layton UT, US
Nicole Milne Vollmer - Murray UT, US

Assignee:

American Express Travel Related Services Company, Inc. - New York NY

International Classification:

G06K 5/00

US Classification:

235380, 235381, 235383

Abstract:

The present disclosure generally relates to a handheld point of sale system for distributing a transaction instrument. Such system may include a browser-based tool configured to facilitate distributing an open transaction instrument at the point of sale in association with purchase of the open transaction instrument by a consumer at the handheld point of sale system. The browser-based tool may also be configured to receive transaction information and to facilitate the distribution of the open transaction instrument by sending the transaction information from the browser-based tool to a host system, wherein the host system authorizes distribution of the open transaction instrument, funds and activates a transaction account associated with the open transaction instrument, and sends an authorization message to the browser-based tool. The browser-based tool may be further configured to receive the authorization and provide an indication of the authorization for the open transaction instrument to be vended to a consumer, wherein an account code is associated with the open transaction instrument and the transaction account.