Kristin S Gomes

US Patent:

20130110562, May 2, 2013

Filed:

Dec 21, 2012

Appl. No.:

13/725792

Inventors:

American Express Travel Related Services Company, Inc. - New York NY, US
Danielle M. Crop - Phoenix AZ, US
Glade R. Erikson - Glendale AZ, US
Kristin H. Gomes - State College PA, US
Sejal D. Vora - Scarsdale NY, US

Assignee:

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

International Classification:

G06Q 10/02

US Classification:

705 5

Abstract:

Credit applicants may apply for instant credit, and use an instant account number (“IAN”) to make purchases after the instant credit has been granted. Fraud control methods may be used in authorizing the instant credit. When the IAN is issued to purchase airline tickets, it can be ensured that the applicant's last name matches the passenger's last name for the airline ticket being purchased, and that the ticket will not be renamed or sold. When the IAN is issued in conjunction with a partner's loyalty or rewards program, the applicant's account information with the rewards program is captured. It is ensured that the applicant has some tenure with the partner and that data submitted by the applicant is consistent with data on file with the partner.