Julia M Menichilli

US Patent:

7503487, Mar 17, 2009

Filed:

Oct 31, 2007

Appl. No.:

11/932264

Inventors:

Perry A Cohagan - Brooklyn Heights NY, US
Mary Ann Fitzmaurice - New York NY, US
Aliza Freud - New York NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Jason Nanton - Singapore, SG
Ray Sharp - Coral Springs FL, US
Scott Vosburgh - Greensboro NC, US

Assignee:

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

International Classification:

G06K 5/00

US Classification:

235380, 235375, 235383

Abstract:

The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

US Patent:

7856377, Dec 21, 2010

Filed:

Mar 11, 2004

Appl. No.:

10/708570

Inventors:

Perry A. Cohagan - Brooklyn Heights NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Theodore S. Voltmer - Caldwell NJ, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 143, 705 1423, 705 1439, 705 1438, 705 1457, 705 26, 705 27

Abstract:

The invention facilitates a loyalty system which is associated with pre-determined geographic locations and/or services and goods offered in a specific geographic area. The system is configured with one product platform with a modularized approach to facilitate the development of market specific rewards and communication materials. The loyalty points may be earned within a specific geographic location, then redeemed in one geographic location, a subset of locations or without restrictions. Similarly, the loyalty points may be earned in one geographic location, a subset of locations or without restrictions, then redeemed only in a specific geographic location. The geographic features of the system may be implemented using existing data that is associated with geographic areas such as, for example, zip codes, retailer identification codes, service establishment codes and/or the like. The geographic area information may be associated with the consumer, merchant, processing system and/or any other part of the overall system.

US Patent:

8180671, May 15, 2012

Filed:

Mar 11, 2004

Appl. No.:

10/708568

Inventors:

Perry A. Cohagan - Brooklyn Heights NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Theodore S. Voltmer - Caldwell NJ, US

Assignee:

Propulsion Remote Holdings, LLC - Dover DE

International Classification:

G06Q 30/00

US Classification:

705 143, 705 1427, 705 1431, 705 1432, 705 1434

Abstract:

The invention facilitates pooling, gifting or transferring of geographic area loyalty points between accounts. The invention also facilitates a transfer of geographic area loyalty points from a consumer account associated with a sponsoring company to a consumer account associated with a host company. The invention may also facilitate gifting of loyalty points to charitable organizations on a recurring basis, wherein the gifting may transfer any portion of geographic based points to various charities. The system may also convert the geographic area loyalty points to a monetary value, thereby allowing the points to be donated to a charity such that the donation appears to be a monetary value donation to the charity.

US Patent:

8589225, Nov 19, 2013

Filed:

Feb 5, 2009

Appl. No.:

12/366128

Inventors:

Perry A Cohagan - Brooklyn Heights NY, US
Mary Ann Fitzmaurice - New York NY, US
Aliza Freud - New York NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Jason Nanton - Singapore, SG
Ray Sharp - Coral Springs FL, US
Scott Vosburgh - Greensboro NC, US

Assignee:

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

International Classification:

G06Q 99/00

US Classification:

705 143, 705 11, 705 734, 705 13, 705 141, 705 147, 705 1431, 705 1432

Abstract:

The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

US Patent:

7360699, Apr 22, 2008

Filed:

Oct 17, 2006

Appl. No.:

11/550067

Inventors:

Perry A Cohagan - Brooklyn Heights NY, US
Mary Ann Fitzmaurice - New York NY, US
Aliza Freud - New York NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Jason Nanton - Singapore, SG
Ray Sharp - Coral Springs FL, US
Scott Vosburgh - Greensboro NC, US

Assignee:

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

International Classification:

G07B 15/02

US Classification:

235384, 235380

Abstract:

The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

US Patent:

20040238620, Dec 2, 2004

Filed:

Mar 12, 2004

Appl. No.:

10/708580

Inventors:

Perry Cohagan - Brooklyn Heights NY, US
Mary Fitzmaurice - New York NY, US
Aliza Freud - New York NY, US
Birgitta Mayer - New York NY, US
Julia Menichilli - Manhasset NY, US
Jason Nanton - Singapore, SG
Ray Sharp - Coral Springs FL, US
Scott Vosburgh - Greensboro NC, US

Assignee:

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

International Classification:

G06K005/00

US Classification:

235/380000, 235/382000

Abstract:

The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

US Patent:

20050197904, Sep 8, 2005

Filed:

Feb 7, 2005

Appl. No.:

11/053394

Inventors:

Claudia Baron - New York NY, US
Yana Bulva - New York NY, US
Belinda Lang - New York NY, US
Eileen McMahon - Brooklyn NY, US
Patricia Mee - New York NY, US
Julia Menichilli - Manhasset NY, US
William Rauschenbach - Chester NY, US
Eva Reda - Glen Ridge NJ, US

International Classification:

G06F017/60

US Classification:

705014000

Abstract:

An incentive program system and process for redeeming incentive program points. The system or process may be accomplished through a computer readable medium bearing instructions for administering the incentive program account. The system includes a database for storing points associated with a first incentive program account and a processor that, in response to a program participant's instructions, redeems a number of the points as either a discount for a transaction or for points in a second incentive program account. The process includes storing points associated with a first incentive program account; identifying either transactions available for the redemption of an incentive program discounter a second incentive program account to which said one or more points may be transferred; and either applying a discount to one or more of the transactions available for the redemption of an incentive program discount or transferring points to the second incentive program account.

US Patent:

20070192235, Aug 16, 2007

Filed:

Aug 25, 2004

Appl. No.:

10/925614

Inventors:

Julia Menichilli - New York NY, US
Marq Williams - Brooklyn NY, US
Marla Flatbush - Mesa AZ, US

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

A financial payment vehicle, such as a charge or credit card, provides lower financing terms on purchases that meet specified criteria (i.e. a minimum threshold transaction amount, a purchase from a particular industry or at particular merchants, and/or other enrollment qualifications) and further provides standard financing terms for purchases that do not meet the criteria.