Timothy Lewis

US Patent:

7778920, Aug 17, 2010

Filed:

Feb 25, 2002

Appl. No.:

10/082171

Inventors:

Marjorie Faith Zarin - New York NY, US
Rachel Glim - New York NY, US
Heather D. Kay - Hoboken NJ, US
Timothy Patrick Lewis - Phoenix AZ, US
Rhene Meyer - Phoenix AZ, US
Dafna Sarnoff - New York NY, US
Robert P. Cichon - Peoria AZ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 38, 705 39

Abstract:

A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party's credit profile.

US Patent:

7930244, Apr 19, 2011

Filed:

Jul 6, 2010

Appl. No.:

12/831067

Inventors:

Marjorie Faith Zarin - New York NY, US
Rachel Glim - New York NY, US
Heather D. Kay - Hoboken NJ, US
Timothy Patrick Lewis - Phoenix AZ, US
Rhene Meyer - Phoenix AZ, US
Dafna Sarnoff - New York NY, US
Robert P. Cichon - Peoria AZ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 38, 705 39

Abstract:

A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party's credit profile.

US Patent:

20110166923, Jul 7, 2011

Filed:

Mar 14, 2011

Appl. No.:

13/047450

Inventors:

Marjorie Faith Zarin - New York NY, US
Rachel Glim - New York NY, US
Heather D. Kay - Hoboken NJ, US
Timothy Patrick Lewis - Phoenix AZ, US
Rhene Meyer - Phoenix AZ, US
Dafna Sarnoff - New York NY, US
Robert P. Cichon - Peoria AZ, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 1439

Abstract:

A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party's credit profile.