Vernon S Marshall

US Patent:

7299177, Nov 20, 2007

Filed:

May 30, 2003

Appl. No.:

10/448552

Inventors:

Vicki Broman - Paradise Valley AZ, US
Vernon Marshall - Montclair NJ, US
Seshasayee Bellamkonda - Glendale AZ, US
Marcel Leyva - Chandler AZ, US
Cynthia Hanson - Minneapolis MN, US

Assignee:

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

International Classification:

G10L 17/00
G10L 15/00
H04M 1/64

US Classification:

704246, 704273, 7042701, 379 8802

Abstract:

One-to-many comparisons of callers'voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

US Patent:

7542931, Jun 2, 2009

Filed:

Jun 3, 2002

Appl. No.:

10/162282

Inventors:

Catherine B. Black - Scottsdale AZ, US
Diane Farrell - Phoenix AZ, US
Chin H. Khor - Glendale AZ, US
Vernon Marshall - Montclair NJ, US
Sandeep Sacheti - Jersey City NJ, US
Tracy J. Steiner - Phoenix AZ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38, 238 57, 238 58, 238 59, 455406, 455407, 455408, 455409, 37911403, 37911415, 37911419

Abstract:

The present invention provides systems and methods for global address verification of a transaction, such as a transaction card purchase. In accordance with an exemplary embodiment of the present invention, the system verifies a billing address and/or an alternate address (e. g. , shipping address) in a single transaction. The billing address and/or the alternate address are associated with a transaction card purchaser. If the billing and/or alternate addresses are verified, then the transaction card issuer may offer a payment guarantee to the merchant. The merchant may choose to ship the purchased item to either a billing address or an alternate address. If the address is not verified, then the transaction card issuer may choose not to offer a payment guarantee to the merchant, and the merchant may choose not to ship the item to the alternate address.

US Patent:

7778832, Aug 17, 2010

Filed:

Sep 26, 2007

Appl. No.:

11/862079

Inventors:

Vicki Broman - Paradise Valley AZ, US
Vernon Marshall - Montclair NJ, US
Seshasayee Bellamkonda - Glendale AZ, US
Marcel Leyva - Chandler AZ, US
Cynthia Hanson - Minneapolis MN, US

Assignee:

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

International Classification:

G10L 17/00

US Classification:

704246, 704247, 704249, 704250

Abstract:

One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

US Patent:

7848950, Dec 7, 2010

Filed:

Dec 23, 2005

Appl. No.:

11/315262

Inventors:

Paul A. Herman - Cave Creek AZ, US
Greg M. Keeley - New York NY, US
Vernon Marshall - Montclair NJ, US
Paula S. Schwalje - Chandler AZ, US
Brian J. Yasz - Cave Creek AZ, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 1452, 705 1453, 705 1449

Abstract:

The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

US Patent:

7940897, May 10, 2011

Filed:

Jun 24, 2005

Appl. No.:

11/160476

Inventors:

Chin H. Khor - Glendale AZ, US
Marcel Leyva - Chandler AZ, US
Vernon Marshall - Montclair NJ, US

Assignee:

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

International Classification:

H04M 1/64

US Classification:

379 8802, 379 9201, 379 9334, 704246, 705 26

Abstract:

One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.

US Patent:

8036892, Oct 11, 2011

Filed:

Jul 8, 2010

Appl. No.:

12/832925

Inventors:

Vicki Broman - Paradise Valley AZ, US
Vernon Marshall - Montclair NJ, US
Seshasayee Bellamkonda - Glendale AZ, US
Marcel Leyva - Chandler AZ, US
Cynthia Hanson - Minneapolis MN, US

Assignee:

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

International Classification:

G10L 17/00

US Classification:

704246, 704247, 704249, 704250

Abstract:

One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

US Patent:

8190478, May 29, 2012

Filed:

Oct 19, 2010

Appl. No.:

12/907748

Inventors:

Paul A. Herman - Cave Creek AZ, US
Greg M. Keeley - New York NY, US
Vernon Marshall - Montclair NJ, US
Paula S. Schwalje - Chandler AZ, US
Brian J. Yasz - Cave Creek AZ, US

Assignee:

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

International Classification:

G06Q 30/00

US Classification:

705 1452, 705 1453, 705 1449

Abstract:

The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

US Patent:

20030046235, Mar 6, 2003

Filed:

May 23, 2002

Appl. No.:

10/155360

Inventors:

Dennis Lacivita - Glendale AZ, US
Michael Mansell - Cave Creek AZ, US
Vernon Marshall - Montclair NJ, US
Michael Mulder - Princeton NJ, US
Sandeep Sacheti - Scottsdale AZ, US
Brent Vallat - Summit NJ, US

International Classification:

G06F017/60

US Classification:

705/044000

Abstract:

A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.