Nicole Aaron Lewis

US Patent:

20130048717, Feb 28, 2013

Filed:

Oct 25, 2011

Appl. No.:

13/280938

Inventors:

Brian Brendell - Springfield NJ, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

Assignee:

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

International Classification:

G06Q 20/32
G06Q 20/20

US Classification:

235380

Abstract:

A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant POS terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant POS terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.

US Patent:

20130054337, Feb 28, 2013

Filed:

Aug 22, 2011

Appl. No.:

13/215115

Inventors:

Brian Brendell - Springfield NJ, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

Assignee:

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

International Classification:

G06Q 20/12
G06Q 30/02
G06Q 20/40

US Classification:

705 1427, 705 44, 705 141

Abstract:

A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.

US Patent:

20130054412, Feb 28, 2013

Filed:

Aug 22, 2011

Appl. No.:

13/215111

Inventors:

Brian Brendell - Springfield NJ, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

Assignee:

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

International Classification:

G06Q 30/06

US Classification:

705 2641

Abstract:

A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.

US Patent:

20130054413, Feb 28, 2013

Filed:

Aug 22, 2011

Appl. No.:

13/215145

Inventors:

Brian Brendell - Springfield NJ, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

Assignee:

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

International Classification:

G06Q 30/06

US Classification:

705 2641

Abstract:

A contactless payment system for merchant transactions (e.g., a restaurant) comprises generating, at the contactless payment system, a total bill of purchases associated with a consumer, associating a unique identifier of a RFID tag or a QR code with the total bill, transmitting the total bill and associated unique identifier to a consumer accessible payment network, and receiving payment from the consumer for satisfaction of the total bill. The consumer submits the payment using a contactless-enabled device, such as a smartphone. The contactless-enabled device may interrogate the RFID tag or read the QR code to receive the unique identifier and a payment network link. Furthermore, the contactless-enabled device submits a payment transaction request to the payment network, where the payment transaction request includes the unique identifier and an account identifier. The payment network receives the payment transaction request and locates the total bill using the unique identifier as a key.

US Patent:

20180268389, Sep 20, 2018

Filed:

May 24, 2018

Appl. No.:

15/988932

Inventors:

- Plano TX, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

International Classification:

G06Q 20/12
G06Q 30/06
G06Q 20/32

Abstract:

A process of conducting a contactless payment in an online transaction comprises initiating, at a computer-based system, an online transaction based on a consumer selection, transmitting, from an RF device, consumer information to the computer-based system. The consumer information may provide at least one of shipping information, account information, and billing information for completing the online transaction. Further, the method includes populating a check-out screen with consumer information from the radio frequency device. The consumer is able to confirm the online transaction and associated information prior to submission for processing. In various embodiments of conducting the contactless payment of an online transaction, the RF device may be at least one of a transponder, a mobile phone, a smart phone, or a fob. The contactless-enabled device may at least one of a desktop computer, a laptop computer, a tablet computer, a notebook computer, a mobile phone, or a smart phone.

US Patent:

20170068949, Mar 9, 2017

Filed:

Oct 31, 2016

Appl. No.:

15/339248

Inventors:

- Wilmington DE, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

International Classification:

G06Q 20/34
G06Q 20/40
G06Q 20/32
G06Q 20/10

Abstract:

A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant point-of-sale terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant point-of-sale terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.

US Patent:

20140201085, Jul 17, 2014

Filed:

Mar 17, 2014

Appl. No.:

14/216809

Inventors:

- New York NY, US
I-Hsin Chuang - Brooklyn NY, US
Carlos Korten - Brooklyn NY, US
Nicole Lewis - New York NY, US

Assignee:

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

International Classification:

G06Q 20/34
G06Q 20/40
G06Q 20/38

US Classification:

705 64

Abstract:

A coordination server of a contactless payment system may receive a total bill of purchases for a customer from a merchant point-of-sale terminal, associate the total bill of purchases with a unique identifier of an RFID tag of a check presenter, and receive notification that payment of the total bill of purchases is authorized. The coordination server may receive the unique identifier and payment information from a contactless-enabled device, and transmit the payment information and the total bill to the merchant point-of-sale terminal for transmittal to a merchant acquirer for completion of the transaction under business as usual standards. In one embodiment, the coordination server transmits the payment information and the total bill to a merchant acquirer, which then routes the payment request to an appropriate payment network. In another embodiment, the coordination server transmits the payment information and the total bill directly to the appropriate payment network.