Sejal J Shah

US Patent:

7249112, Jul 24, 2007

Filed:

Dec 13, 2002

Appl. No.:

10/318480

Inventors:

Michael J. Berardi - Ft. Lauderdale FL, US
Michal Bliman - Matawan NJ, US
David Bonalle - New Rochelle NY, US
Jennifer Anne Elwood - New York NY, US
Matthew C. Hood - Wayne PA, US
Susan E. Isenberg - New York NY, US
Alexandra Mayers - New York NY, US
Trevor J. Perry - West Jordan UT, US
Peter D. Saunders - Salt Lake City UT, US
Kathryn D. Scheding - New York NY, US
Sejal Ajit Shah - New York NY, US
Kristin L. VonWald - North Jordan UT, US
John R. Williamson - Salt Lake City UT, US

Assignee:

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

International Classification:

G06F 17/60
G06F 7/08

US Classification:

705 79, 705 1, 705 75, 705 76, 705 77, 235378, 235380, 235381

Abstract:

A transponder-reader payment system includes a RFID reader for interrogating a transponder, and a fob including a transponder which is associated with fob data file funded by one or more funding sources. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which may process the transaction request in accordance with a funding protocol wherein the transaction request is satisfied according to a fob issuer predefined funding criteria relative to the multiple funding sources.

US Patent:

7306158, Dec 11, 2007

Filed:

Jun 30, 2003

Appl. No.:

10/611563

Inventors:

Michael J. Berardi - Ft. Lauderdale FL, US
Michal Bliman - Matawan NJ, US
David S. Bonalle - New Rochelle NY, US
Jennifer Anne Elwood - New York NY, US
Becky Vander Eyk - Rochester Hills MI, US
Matthew C. Hood - Wayne PA, US
Susan E. Isenberg - New York NY, US
Leigh Malnati - Mountain Lakes NJ, US
Alexandra Mayers - New York NY, US
Sue Mueller - Phoenix AZ, US
Zarita Norcross - Glendale AZ, US
Peter D. Saunders - Salt Lake City UT, US
Kathryn D. Scheding - New York NY, US
Sejal Ajit Shah - New York NY, US
John R. Williamson - Jersey City NJ, US

Assignee:

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

International Classification:

G06K 19/06

US Classification:

235492, 235487

Abstract:

The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

US Patent:

7607583, Oct 27, 2009

Filed:

Oct 13, 2007

Appl. No.:

11/871981

Inventors:

Michael J Berardi - Fort Lauderdale FL, US
Michael Bliman - Matawan NJ, US
David S Bonalle - New Rochell NY, US
Jennifer Anne Elwood - Okimos MI, US
Becky Vander Eyk - Rochester Hills MI, US
Matthew C Hood - Wayne PA, US
Susan E Isenberg - New York NY, US
Leigh Malnati - Mountain Lakes NJ, US
Alexandra Mayers - New York NY, US
Sue Mueller - Phoenix AZ, US
Zarita Norcross - Glendale AZ, US
Peter D Saunders - Salt Lake City UT, US
Kathryn D Scheding - New York NY, US
Sejal Ajit Shah - New York NY, US
John R Williamson - Jersey City NJ, US

Assignee:

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

International Classification:

G06K 19/00

US Classification:

235487, 235492, 235380

Abstract:

The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line.

US Patent:

7889052, Feb 15, 2011

Filed:

Jan 10, 2003

Appl. No.:

10/340352

Inventors:

Michael J. Berardi - Ft. Lauderdale FL, US
Michal Bliman - Matawan NJ, US
David S. Bonalle - New Rochelle NY, US
Jennifer Anne Elwood - New York NY, US
Matthew C. Hood - Wayne PA, US
Susan E. Isenberg - New York NY, US
Alexandra Mayers - Brooklyn NY, US
Trevor J. Perry - West Jordan UT, US
Peter D. Saunders - Salt Lake City UT, US
Kathryn D. Scheding - New York NY, US
Sejal Ajit Shah - New York NY, US
Kristin L. VonWald - South Jordan UT, US
John R. Williamson - Jersey City NJ, US

Assignee:

Xatra Fund MX, LLC - Wilmington DE

International Classification:

G06F 7/04

US Classification:

340 58, 340 52, 340 101, 235381, 235382, 705 16

Abstract:

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.

US Patent:

20040010449, Jan 15, 2004

Filed:

Dec 13, 2002

Appl. No.:

10/318432

Inventors:

Michael Berardi - Ft. Lauderdale FL, US
Michal Bliman - Matawan NJ, US
David Bonalle - New Rochelle NY, US
Jennifer Elwood - New York NY, US
Matthew Hood - Wayne PA, US
Susan Isenberg - New York NY, US
Alexandra Mayers - New York NY, US
Trevor Perry - West Jordan UT, US
Peter Saunders - Salt Lake City UT, US
Kathryn Scheding - New York NY, US
Sejal Shah - New York NY, US
Kristin VonWald - South Jordan UT, US
John Williamson - Jersey City NJ, US

International Classification:

G06F017/60
H04Q005/22

US Classification:

705/016000, 340/010100

Abstract:

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

US Patent:

20040049451, Mar 11, 2004

Filed:

Jul 9, 2002

Appl. No.:

10/192488

Inventors:

Michael Berardi - Lauderhill FL, US
Michal Bliman - Matawan NJ, US
David Bonalle - New Rochelle NY, US
Jennifer Elwood - New York NY, US
Matthew Hood - Wayne PA, US
Susan Isenberg - New York NY, US
Alexandra Mayers - New York NY, US
Peter Saunders - Salt Lake City UT, US
Kathryn Scheding - New York NY, US
Sejal Shah - New York NY, US
John Williamson - New York NY, US

International Classification:

G06F017/60

US Classification:

705/039000

Abstract:

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

US Patent:

20070265964, Nov 15, 2007

Filed:

May 3, 2007

Appl. No.:

11/743907

Inventors:

Michael Berardi - Lauderhill FL, US
Michal Bliman - Matawan NJ, US
David Bonalle - New Rochelle NY, US
Jennifer Elwood - New York NY, US
Matthew Hood - Wayne PA, US
Susan Isenberg - New York NY, US
Alexandra Mayers - New York NY, US
Peter Saunders - Salt Lake City UT, US
Kathryn Scheding - New York NY, US
Sejal Shah - New York NY, US
John Williamson - Jersey City NJ, US

Assignee:

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

International Classification:

G06Q 40/00

US Classification:

705044000, 705039000

Abstract:

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

US Patent:

20180144344, May 24, 2018

Filed:

Jan 18, 2018

Appl. No.:

15/874018

Inventors:

- Wilmington DE, US
Michal Bliman - Matawan NJ, US
David S. Bonalle - New Rochelle NY, US
Jennifer Anne Elwood - New York NY, US
Matthew C. Hood - Wayne PA, US
Susan E. Isenberg - New York NY, US
Peter D. Saunders - Salt Lake City UT, US
Kathryn D. Scheding - New York NY, US
Sejal Ajit Shah - New York NY, US
John R. Williamson - Jersey City NJ, US
Alexandra Mayers - Brooklyn NY, US

International Classification:

G06Q 20/40
G06Q 20/32
G07C 9/00
G06Q 20/00
G06Q 20/04
G06Q 20/10
G06Q 20/14

Abstract:

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.