Nicholas J Kelly

US Patent:

20120191611, Jul 26, 2012

Filed:

Feb 24, 2011

Appl. No.:

13/034227

Inventors:

Nicholas Kelly - Phoenix AZ, US
Man Sugathan - Phoenix AZ, US
James Tune - Phoenix AZ, US
Daniel Yong - Phoenix AZ, US

Assignee:

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

International Classification:

G06Q 20/00
G06Q 30/00

US Classification:

705 64, 235375

Abstract:

Disclosed is a computer based method for securing a financial transaction. A transaction device does not include any human readable data that can be used to identify the account owner and/or the transaction account. A first code and a second code are combined to determine an alias transaction account code. A transaction account is determined based upon the alias transaction account code.

US Patent:

20120191613, Jul 26, 2012

Filed:

Jan 24, 2011

Appl. No.:

13/011999

Inventors:

Rick Forbes - Phoenix AZ, US
Nicholas Kelly - Phoenix AZ, US
Stuart Rolinson - Phoenix AZ, US
Ricky T. Tristan - Phoenix AZ, US
James J. Tune - Phoenix AZ, US

Assignee:

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

International Classification:

G06Q 20/00

US Classification:

705 67

Abstract:

Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the user device are verified and authenticated based on one or more parameters. A transaction account is determined, where the transaction account is associated with the user. A barcode is sent to the user device and the barcode is used to initiate a payment for a purchase transaction associated with the request.

US Patent:

20130036058, Feb 7, 2013

Filed:

Aug 3, 2011

Appl. No.:

13/197574

Inventors:

Nicholas Kelly - Phoenix AZ, US
John M. Rojewski - Glendale AZ, US
Man M. Sugathan - Phoenix AZ, US
James J. Tune - Gilbert AZ, US
Daniel W. Yong - Peoria AZ, US

Assignee:

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

International Classification:

G06Q 20/00

US Classification:

705 67

Abstract:

This disclosure includes a system, method, and article of manufacture for securely processing a transaction. The method may comprise performing a three factor authentication, communicating and/or generating, to a web client, a token in response to a transaction request and based upon the three factor authentication, comparing the token to a received token, and authorizing the transaction request based upon the comparing. Three factor authentication may comprise authenticating a web client to a transaction account associated with an individual, authenticating a web client to a payment network associated with the transaction account, and authenticating an individual to the transaction account based upon a biometric sample.

US Patent:

20120191556, Jul 26, 2012

Filed:

Jan 21, 2011

Appl. No.:

13/011643

Inventors:

Rick Forbes - Phoenix AZ, US
Nicholas Kelly - Phoenix AZ, US
Stuart Rolinson - Phoenix AZ, US
Ricky T. Tristan - Phoenix AZ, US
James J. Tune - Phoenix AZ, US

Assignee:

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

International Classification:

G06Q 20/00

US Classification:

705 17

Abstract:

Disclosed is a computer based method including receiving a request, by a virtual mobile transaction computer, from a user device or from an application running on the user device. The user and the user device are verified and authenticated based on one or more parameters. A transaction account is determined, where the transaction account is associated with the user. A barcode is sent to the user device and the barcode is used to initiate a payment for a purchase transaction associated with the request.