US Pat. No. 9,195,988

SYSTEMS AND METHODS FOR AN ANALYSIS CYCLE TO DETERMINE INTEREST MERCHANTS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
selecting, by a computer-based system configured for determining interest merchants, a seed merchant relevant to a topic interest
to generate a seeded merchant list,

wherein the seed merchant and the seeded merchant list are associated with a keyword corresponding to a topic interest;
identifying, by the computer-based system, consumers that have completed a transaction with the at least one seed merchant
to generate a list of identified consumers;

determining, by the computer-based system, merchants that have initiated a transaction with a transaction account associated
with the identified consumers that do not correspond to the merchants of the seeded merchant list,

wherein the merchants are do not have an attribute that corresponds to the key word;
scoring, by the computer-based system, the merchants based on at least one of network connectivity, activity, or merchant
over index,

wherein the scoring generates a list of scored merchants,
wherein the scoring the merchants comprises individually calculating a preliminary merchant score and calculating a merchant
interest network score (MINS) for each merchant,

wherein the

wherein the preliminary merchant score is based on a merchant network connectivity (MNC) and a merchant network activity (MNA),
and

wherein the MINS is based on a percentage of interest consumers with at least one transaction at the merchant relative to
a percentage of all consumers with at least one transaction at the merchant;

updating, by the computer-based system, the seeded merchant list in response to a comparison of the list of scored merchants
relative to a scoring threshold,

wherein the updating the seeded merchant list comprises adding sufficiently scoring merchants and removing insufficiently
scoring merchants from the seeded merchant list;

scoring, by the computer-based system, the list of identified consumers based on at least one of a number of distinct merchants
in transaction or merchant over-indexing;

receiving, by the computer-based system and via a real time system, a request for a recommendation for a consumer via a mobile
device of the consumer;

creating, by the computer-based system and via the real time system, a list of recommended merchants based on the seed merchant
list and in response to receiving the request;

determining, by the computer-based system, a location of the consumer based on the request from the mobile device, wherein
the request includes global positioning system data from the mobile device;

adjusting, by the computer-based system and via the real time system, the seed merchant list in real time based on the location;
and

presenting, by the computer-based system, via the real time system and to the mobile device, the seed merchant list in response
to adjusting the seed merchant list based on the location.

US Pat. No. 9,213,975

ADAPTIVE POLICIES AND PROTECTIONS FOR SECURING FINANCIAL TRANSACTION DATA AT REST

American Express Travel R...

1. A method for challenge-response authentication, the method comprising:
receiving, over a communication network, a plurality of codes based on input provided through a user interface displaying
a plurality of images;

generating an alphanumeric string from a plurality of alphanumeric characters, the alphanumeric string being generated based
on (1) the received plurality of codes and (2) a table that associates each one of the plurality of codes with a respective
one of the plurality of images and with a respective one of the plurality of alphanumeric characters, the plurality of codes
being distinct from the plurality of alphanumeric characters; and

determining to grant authorization when the generated alphanumeric string matches an alphanumeric user identifier stored in
a memory device in association with a user.

US Pat. No. 9,477,847

METHOD AND SYSTEM FOR MANAGING PROCESSING RESOURCES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
scoring, by a computer-based system, an application running on a server to create a data security score based on assessing
data security of the application compared to a standard;

determining, by the computer-based system and using the application, an end of life target for the server based on a first
set of parameters for the application running on the server,

wherein the first set of parameters comprise an application criticality score based on a combination of a Sarbanes Oxley score
and the data security score of the application processed by the server,

updating, by the computer-based system, the application criticality score based on a weighted Sarbanes Oxley score and a weighted
data security score, wherein the weight is based on an importance of a security of the application;

comparing, by the computer-based system, an operating system platform of the application processed by the server with the
application criticality score of the application processed by the server;

determining, by the computer-based system and based on the comparison, an end of life target for the server;
prioritizing, by the computer-based system, uplifts of the server, along with a plurality of servers to create a prioritized
list of servers, wherein the prioritizing is based on a second set of parameters; and

removing, by the computer-based system, the server from the prioritized list of servers based on an indicator signifying the
server is previously designated to be uplifted.

US Pat. No. 9,087,335

MULTIDIMENSIONAL PERSONAL BEHAVIORAL TOMOGRAPHY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a computer based system configured for grouping consumers, consumer attributes based on received consumer
data,

wherein said received consumer data comprises demographic data of a consumer;
determining, by said computer based system, change attributes based on said received consumer data,
wherein said change attributes comprise trends,
wherein said change attributes comprise extent of change and rates of change of said consumer attributes;
organizing said consumer attributes and said change attributes, by said computer based system, according to correlations of
said consumer attributes and change attributes, to create a set of composite dimensions,

wherein said composite dimensions are established based on a positive correlation between said consumer attributes and said
change attributes;

plotting, by said computer based system, consumers relative to said set of composite dimensions on a multi-dimensional space;
grouping consumers, by said computer based system, according to location within said multidimensional space to create a consumer
group;

identifying, by said computer based system, common attributes of said consumer group; and
identifying, by said computer based system, unique attributes of said consumer in said consumer group.

US Pat. No. 9,501,787

DELIVERING OPTIONS FOR TAILORED CONTENT

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system, tailored content based upon consumer preferences and based upon consumer browsing
information of a magazine,

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor;

modifying, by the computer-based system, the magazine based upon the tailored content,
supplementing, by the computer-based system, the magazine with tailored options;
embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option; and

receiving, by the computer-based system, a selection of the tailored options.

US Pat. No. 9,098,842

SMART PHONE SYSTEM AND METHOD

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer based application configured for handling a declined transaction, a passively pushed message in response
to and substantially in concert with the declined transaction via a merchant point of sale system;

selecting, by the computer based application, an option presented in the passively pushed message, wherein the option presented
in the passively pushed message comprises providing payment on a transaction account, wherein the passively pushed message
comprises a calculated minimum amount of information particular to the instant transaction to cure the declined transaction,
wherein a transaction account holder transmits secure log-on information in order to make a payment to the transaction account;
and

receiving, by the computer based application, a response to the selection of the option, wherein the response instructs the
transaction account holder to retry the transaction, wherein the transaction is authorized based on a transaction processor
receiving a communication indicating that the transaction account holder submitted a valid payment via the computer based
application, in response to the option presented in the passively pushed message.

US Pat. No. 9,305,277

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR EFFICIENT RESOURCE ALLOCATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
establishing, by a resource allocation computer-based system and using a case type matrix, a maximum timeline for completion
of the elements of the software tool;

determining, by the computer-based system and using a proficiency matrix and using an assessment module, proficiency status
levels appropriate to complete the development of a software tool,

wherein the proficiency status levels are based on an analysis of the maximum timeline using the case type matrix, minimum
skills for development of the software tool using an identification module and elements of the software tool using the case
type matrix;

transmitting, by the computer-based system, the proficiency status levels to a third party supplier of developers,
wherein the third party supplier determines a number of developers to be provided based on the received proficiency status
levels, and a time period of the contract based on the maximum timeline for completion;

assigning, by the computer-based system, use cases to the developers; and
increasing, by the computer-based system, the proficiency status level of the developers, in response to completion of the
use cases.

US Pat. No. 9,123,064

ONLINE TRANSACTIONS USING AN EMBEDDED STOREFRONT WIDGET

AMERICAN EXPRESS TRAVEL R...

1. A computer-based method comprising:
receiving, by a widget administration computer, a request for an instance of a storefront widget from a client device that
is processing a first web page in which the storefront widget is embedded, the first web page belonging to a first website,

determining, by the widget administration computer, that the request for an instance of a storefront widget represents a request
to distribute the storefront widget;

receiving, by the widget administration computer, confirmation from a merchant user to embed the storefront widget in a second
web page;

wherein the first web page is a first profile page of a first social networking site,
wherein the storefront widget is configured to enable a purchase of a product;
sending, by the widget administration computer, product information to the client device, wherein the product information
is associated with a merchant account, the product information describing the product; and

in response to the receiving confirmation from the merchant user to embed the storefront widget in the second web page, sending,
by the widget administration computer and based on administrative input from the merchant user associated with the merchant
account, the instance of the storefront widget to the client device, the instance of the storefront widget configured to present
the product information and to present a link that identifies a resource of a second web page,

wherein the resource is at least one of a Hypertext Preprocessor (PHP) script, a common gateway interface (CGI) script, a
Java applet, or a software object;

wherein the resource, in response to being accessed by the client device and in response to the determining, initiates a process
that embeds the instance of the storefront widget in the second web page,

wherein the second web page is associated with a second social networking site.

US Pat. No. 9,286,633

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
receiving, by a computer-based system configured for processing a service dialog, a custom request for tailored content;
performing, by the computer-based system and in response to the custom request, a custom service dialog to obtain information
related to the custom request,

wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
request;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

communicating, by the computer-based system, the plurality of tailored options,
wherein the tailored content in the plurality of tailored options is determined based upon at least one of the information
related to the custom request, obtained content, a consumer profile, a consumer pattern, consumer preferences, or content
metadata,

wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
wherein the content metadata includes category data associated with the tailored content,
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor, and

wherein the plurality of tailored options include merchant data related to advertising and offers,
communicating, by the computer-based system, a payment option for selection;
wherein the payment option is based on the custom service dialog,
wherein the payment option is associated with the tailored options;
receiving, by the computer-based system, a selection of the payment option; and
performing, by the computer-based system and in response to the receiving, a transaction with a transaction account.

US Pat. No. 9,047,594

SMART PHONE SYSTEM AND METHOD

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer based system configured for processing a transaction, a first attempt of a transaction request from
a merchant point of sale system;

declining, by the computer based system, the first attempt of the transaction request;
transmitting, by the computer based system, a first passively pushed message to an application associated with a transaction
account holder, in response to and substantially in concert with the declined first attempt of the transaction request;

receiving, by the computer based system, a response to the first passively pushed message;
storing, by the computer based system, a preauthorization of a second attempt of the transaction request in response to the
response to the first passively pushed message meeting pre-established criteria;

transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction
account holder;

receiving, by the computer based system, the second attempt of the transaction request from the merchant point of sale system;
and

authorizing, by the computer based system, the second attempt of the transaction request.

US Pat. No. 9,307,234

INTERACTIVE LATENCY CONTROL WITH LOSSLESS IMAGE OPTIMIZATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
capturing, by a mobile device, an image comprising a file size;
determining, by the mobile device, an optimal file size for the image based on at least one of a connection bandwidth or a
connection latency between the mobile device and a server;

compressing, by the mobile device, the image into a compressed image having a compressed file size less than or equal to the
optimal file size;

transmitting, by the mobile device, the compressed image to the server for storage;
receiving, by the mobile device, an address of the compressed image from the server;
downloading, by the mobile device, the compressed image from the address received from the server; and
displaying, by the mobile device, the compressed image.

US Pat. No. 9,292,820

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
communicating, by a computer-based system configured for facilitating a service dialog, a custom service dialog request;
participating, by the computer-based system, in a custom service dialog to provide information related to the custom service
dialog request;

wherein the custom service dialog includes receiving custom questions focused on obtaining more information about the custom
service dialog request;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

receiving, by the computer-based system, tailored content based upon the custom service dialog request;
communicating, by the computer-based system, a selection of the tailored content; and
receiving, by the computer-based system, the plurality of tailored options,
wherein the tailored content is based on an analysis of a consumer profile to determine consumer preferences,
wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
wherein the tailored content in the plurality of tailored options is determined based upon at least one of the information
related to the custom service dialog request, obtained content, a consumer pattern, the consumer preferences, or content metadata,

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor, and

wherein the plurality of tailored options include merchant data related to advertising and offers.

US Pat. No. 9,152,974

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a dispute resolution computer-based system, a submission having an identifier that associates a funds request
with a rewards currency request, wherein the funds request comprises a request to apply funds to a split transaction and the
rewards currency request comprises a request to apply rewards currency to the split transaction;

determining, by the computer-based system, that the identifier is associated with a request for the split transaction, wherein
the request comprises both the funds request and the rewards currency request;

authorizing, by the computer-based system, the split transaction by obtaining a first authorization for the funds request
and a second authorization for the rewards currency request,

wherein first authorization is for a reduced amount,
wherein the reduced amount is an amount of the transaction less a monetary value associated with the rewards currency request;
debiting, by the computer-based system, a rewards account based upon the rewards currency request; and
debiting, by the computer-based system, a transaction account the reduced amount of the split transaction,
wherein the reduced amount is the amount of the transaction less the monetary value associated with the rewards currency request;
resolving, by the computer-based system, a dispute associated with the split transaction, wherein the resolution comprises:
retrieving the identifier associated with the split transaction;
determining, based on the identifier, a rewards amount;
crediting the rewards amount to the rewards account;
determining, based on the identifier, the reduced amount; and
crediting the reduced amount to the transaction account, wherein the reduced amount is the amount of the transaction less
the monetary value associated with the rewards currency request.

US Pat. No. 9,154,315

SYSTEM AND METHOD FOR MONETIZING SWITCHING OF WEB SERVICE MESSAGES

AMERICAN EXPRESS TRAVEL R...

1. A computer-based method comprising:
receiving, by a digital network electronic marketplace computer and via a first API, a request to route a service call message
from a service consumer to a service provider within an electronic marketplace of service providers and service consumers;

tagging, by the digital network computer, the service call message with data indicating attributes of the routing;
storing, by the digital network computer, the tags of the service call message to a database;
scrubbing, by the digital network computer, the tags of the service call message from the service call message;
routing, by the digital network computer and through a second API, the service call message to the service provider based
on the attributes of the service call message; and

assessing, by the digital network computer, a fee to the service consumer for processing the request to route the service
call message from the service consumer to the service provider based on the stored tags of the service call message.

US Pat. No. 9,087,088

SYSTEMS AND METHODS FOR DYNAMIC CONSTRUCTION OF ENTITY GRAPHS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a computer-based system configured for generating an entity graph, a relationship between a first entity and
a second entity based upon internal data and online data associated with the first entity and the second entity;

generating, by the computer-based system, the entity graph comprising at least two nodes and an edge connecting the at least
two nodes, in response to the determining and based on attributes associated with the edge,

wherein the two nodes correspond to the first entity and the second entity, respectively,
wherein the two nodes include at least one of merchants, interests, brands or spend,
wherein the edge corresponds to the relationship between the first entity and the second entity, and
wherein the attributes include at least one of a distance, a number of entities connected to a node, a type of the edge, a
group of entities coupled to the edge, a group of entities coupled to another entity, a group of entities coupled to a group
of entities, or a network analysis result based upon entity relationships,

calculating, by the computer-based system, attribute values associated with the edge;
deriving, by the computer-based system and based on the attribute values, derived entities related to the first entity and
the second entity,

wherein the derived entities are marketing segments related to the first entity and the second entity,
wherein the marketing segment includes developing a marketing campaign from a marketing campaign algorithm;
triggering, by the computer-based system, an updating of the entity graph;
detecting, by the computer-based system, a change to the entity graph based on a trend,
wherein the trend includes periodic updates to a series of entity graphs over time based on changes in different versions
of data within a graph database obtained from version timestamps;

alerting, by the computer-based system, an application to take an action to adjust for the trend;
tailoring, by the computer-based system, the two nodes based on the trend;
recommending, by the computer-based system, the two nodes to other entities; and
reducing, by the computer-based system, the distance between the two nodes, in response to the strengthening of the relationship
between the first entity and the second entity.

US Pat. No. 9,330,146

METHOD AND SYSTEM FOR RANKING MULTIPLE DATA SOURCES

AMERICAN EXPRESS TRAVEL R...

1. A computer implemented method, comprising:
calculating, by a computer-based system, a numerical difference of a first count and a second count,
wherein the first count is of records in a regulated data source having an identical value for a first data field as at least
one other record in a plurality of regulated data sources, wherein the regulated data source is in the plurality of regulated
data sources,

wherein the second count of records in the regulated data source has no identical values for the first data field in the plurality
of regulated data sources,

subtracting, by the computer-based system, the second count from the first count to obtain the numerical difference of the
first count and the second count;

assigning, by the computer-based system and based on the numerical difference of the first count and the second count, a first
regulated data source ranking for the first data field for the regulated data source of the plurality of regulated data sources;

calculating, by the computer-based system, a numerical difference of a third count and a fourth count,
wherein the third count is of records in the regulated data source having an identical value for a second data field as at
least one other record in the plurality of regulated data sources,

wherein the fourth count of records in the regulated data source has no identical values for the second data field in the
plurality of regulated data sources,

assigning, by the computer-based system and based on the numerical difference of the third count and the fourth count, a second
regulated data source ranking for the second data field for the regulated data source; and

ranking, by the computer-based system, a quality of the regulated data source for the first data field based on the first
regulated data source ranking versus a quality of the regulated data source for the second data field based on the second
regulated data source ranking.

US Pat. No. 9,245,244

SYSTEM AND METHOD FOR ENABLING PRODUCT DEVELOPMENT

AMERICAN EXPRESS TRAVEL R...

1. A computer implemented method comprising:
presenting, by a computer-based system, a first question in an interactive assessment template, wherein the template includes
fields which request standardized data for assessing an opportunity;

receiving, by the computer-based system and from a first user, a first response to the first question, wherein the first response
is part of the standardized data;

determining, by the computer-based system, a second question based at least partially upon the first response to the first
question, Wherein the first response indicates that the first user is at least one of an entrepreneur or an inventor;

receiving, by the computer-based system, a second response to the second question, wherein the second response is part of
the standardized data;

providing to the first user, by the computer-based system via an online portal and based at least partially upon the standardized
data, a plurality of tools for developing at least one of the opportunity or a product associated with the opportunity;

identifying, by the computer-based system, a target market for the opportunity;
designing, by the computer-based system, a market research study for the opportunity and the target market;
creating, by the computer-based system and based on a type of the opportunity, a marketing package for the opportunity;
presenting, by the computer-based system, the opportunity, the marketing package for the opportunity, and results from the
market research study to a potential investor;

receiving, by the computer-based system, feedback on the opportunity from the investor; and
transmitting, by the computer-based system and from a mobile alert tool, a mobile alert to the first user in response to the
receiving the feedback from the investor.

US Pat. No. 9,324,103

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system configured for processing a service dialog, tailored content based upon a consumer
profile and based upon consumer browsing information of a magazine,

wherein at least a portion of data in the consumer profile is obtained from a transaction processing system;
performing, by the computer-based system and in response to the consumer browsing information, a custom service dialog to
obtain information related to a custom request associated with the magazine,

wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
request,

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

wherein the custom service dialog at least partially occurs within the magazine;
analyzing, by the computer-based system, a consumer profile to determine consumer preferences;
modifying, by the computer-based system, the magazine based upon the tailored content,
wherein the magazine comprises content that is presented electronically,
supplementing, by the computer-based system, the magazine with tailored options;
embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option; and

receiving, by the computer-based system, a selection of the tailored options,
wherein the tailored content is determined based upon at least one of the information related to the custom request, obtained
content, a consumer pattern, the consumer preferences , and content metadata,

wherein the content metadata includes category data associated with the tailored content,
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor, and

wherein the consumer preferences are obtained by at least one of scraping, parsing or indexing the magazine.

US Pat. No. 9,256,848

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system configured for processing a service dialog, tailored content;
communicating, by the computer-based system, the tailored content to a web client;
receiving, by the computer-based system, a selection of the tailored content;
receiving, by the computer-based system, a message based custom service dialog request;
facilitating, by the computer-based system, a message based custom service dialog to obtain information related to the custom
service dialog request,

wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
service dialog request,

wherein the custom service dialog at least partially occurs within the web client,
wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog; and

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

further modifying, by the computer-based system, the tailored content,
wherein the tailored content is further modified based upon information related to the message based custom service dialog
request, obtained content, a consumer pattern, consumer preferences, and content metadata,

wherein the content metadata includes category data associated with the tailored content,
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor, and

wherein the consumer preferences are obtained by at least one of scraping, parsing or indexing a magazine.

US Pat. No. 9,088,423

SYSTEM AND METHOD FOR FACILITATING ON CALL PRIVILEGES OVER A DIGITAL NETWORK

AMERICAN EXPRESS TRAVEL R...

1. A computer-based method comprising:
coupling, by a digital network electronic marketplace computer, a first service provider to an electronic marketplace of service
providers and service consumers via a first API;

coupling, by the digital network computer, a second service provider to the electronic marketplace of service providers and
service consumers via a second API;

coupling, by the digital network computer, a first service consumer to the electronic marketplace of service providers and
service consumers via a third API;

receiving, by the digital network computer, a first request to route a first service call message from the first service consumer
to the first service provider;

verifying, by the digital network computer, privileges of the first service consumer to request services from the first service
provider;

securing, by the digital network computer, the identity of the first service consumer from the electronic marketplace of service
providers and service consumers;

routing, by the digital network computer, the first service call message to the first service provider in response to positive
verification that the first service consumer may request services from the first service provider and based on attributes
of the first service call message;

receiving, by the digital network computer, a second request to route a second service call message from the first service
consumer to the second service provider;

verifying, by the digital network computer, privileges of the first service consumer to request services from the second service
provider;

routing, by the digital network computer, the second service call message to the second service provider in response to positive
verification that the first service consumer may request services from the second service provider and based on attributes
of the second service call message; and

auditing, by the digital network computer, the efficiency of the routing of the first and second call messages.

US Pat. No. 9,424,250

SYSTEMS AND METHODS FOR SEMANTIC INFORMATION RETRIEVAL

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, a body of text from a data source,
wherein the body of text is an electronic text and is one of an email, a website chat room, an internet forum, or a text message;
identifying, by the computer-based system, structured contextual information based on a known format of the body of text,wherein the structured contextual information includes at least one of a sender email address, one or more recipient email
addresses, a subject field, a message date and time stamp, or an attachment title;
tokenizing, by the computer-based system, the body of text by splitting the body of text into individual tokens;
resolving, by the computer-based system and based on the tokenizing, the individual tokens having a pronoun grammatical role
with corresponding noun phrases;

wherein the resolving the individual tokens comprises weighting the individual tokens having a pronoun grammatical role based
on the structured contextual information,

analyzing structured contextual information to facilitate a homophora resolution;
integrating, in response to the analyzing and in response to the weighting of the individual tokens having a pronoun grammatical
role based on the structured contextual information, the homophora resolution into an anaphora resolution algorithm by substituting
the structured contextual information into the body of text to create a substituted body of text;

translating, by the computer-based system and based on the integrating, semantic concepts of the substituted body of text
into one or more semantic tags;

conducting, by the computer-based system, in response to the translating and using the one or more semantic tags, semantic
reasoning to facilitate pattern identification within a group of documents,

wherein the pattern identification includes analyzing implied relationships of the text within the group of documents to identify
a specific topic, wherein the pattern identification is based on at least one of progress or consensus of the substituted
body of text within the group of documents; and

displaying, by the computer-based system, in response to the conducting and to a user interface, the specific identified topic
of the substituted body of text.

US Pat. No. 9,378,375

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ADAPTING THE SECURITY MEASURES OF A COMMUNICATION NETWORK BASED ON FEEDBACK

American Express Travel R...

1. A method for adapting a security system based on security-related data associated with a communication network, the method
comprising steps of:
selecting, by a trust mediator, a risk variable generated by a sensor associated with a mobile communication device, based
on location data associated with the mobile communication device,

wherein the trust mediator is communicatively coupled to the mobile communication device by way of a communication network;
determining, by the trust mediator, a time interval at which to collect security-related data for the risk variable generated
by the sensor, based on the location data associated with the mobile communication device;

collecting the security-related data for the risk variable periodically at the determined time interval by way of a trust
mediator agent communicatively coupled to the communication network,

determining a security safeguard modification based on at least one of the collected security-related data and a predetermined
rule stored in a memory; and

transmitting instructions corresponding to the security safeguard modification to the trust mediator agent via the communication
network.

US Pat. No. 9,292,816

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
comparing, by a computer-based system, purchasing activity to tailored content;
wherein the tailored content is obtained as a result of a custom service dialog,
wherein the custom service dialog includes providing custom questions focused on obtaining more information about a custom
service dialog request from a custom service dialog consumer,

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

determining, by the computer-based system, an effectiveness of the tailored content,
wherein the effectiveness of the tailored content is based on the purchasing activity being related to the tailored content,
wherein the purchasing activity being related to the tailored content includes the purchasing activity occurring soon after
exposure to the tailored content,

wherein the purchasing activity is obtained from a transaction processing system, determining, by the computer-based system,
a purchase objective,

wherein the purchase objective is determined by analyzing categories of the purchasing activity,
collecting, by the computer-based system, a brand equity metric;
collecting, by the computer-based system, a revenue metric; and
analyzing, by the computer-based system, at least one of the brand equity metric or the revenue metric to demonstrate a business
impact associated with the tailored content, wherein the purchase objective is a business objective.

US Pat. No. 9,292,818

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
receiving, by a computer-based system configured for processing a service dialog, a plurality of custom service dialog requests
for tailored content;

prioritizing, by the computer-based system, the plurality of custom service dialog requests based upon an urgency associated
with each of the plurality of custom service dialog requests; and

performing, by the computer-based system and based on the prioritizing, a custom service dialog to obtain information related
to the custom request,

wherein the custom service dialog includes providing custom questions focused on obtaining information about the custom service
dialog request;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

transmitting, by the computer-based system, the tailored content,
wherein the tailored content is determined based upon at least one of the information related to the custom service dialog
request, obtained content, a consumer profile, a consumer pattern, consumer preferences, or content metadata,

wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
wherein the content metadata includes category data associated with the tailored content, and
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor.

US Pat. No. 9,280,520

SYSTEMS AND METHODS FOR SEMANTIC INFORMATION RETRIEVAL

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, a body of text from a data source,
wherein the body of text is an electronic text and is one of an email, a website chat room, an internet forum, or a text message;
parsing, by the computer-based system, the body of text by determining a language and structure of the body of text;
determining, by the computer-based system, a known format of the body of the text;
wherein the known format is based on the data source from which the body of text was received,
identifying, by the computer-based system and in response to the determining, structured contextual information based on the
known format of the body of the text,

wherein the structured contextual information includes at least one of a sender email address, one or more recipient email
addresses, a subject field, a message date and time stamp, or an attachment title;

tokenizing, by the computer-based system and in response to the parsing, the body of text by splitting the body of text into
individual tokens;

generating, by the computer-based system and based on the tokenizing, a tagged body of text,
wherein the generating comprises assigning each individual token a part-of-speech tag indicating a grammatical role of the
individual token,

wherein the part-of-speech tag may include custom terminology from a tagging database, and
wherein the grammatical role includes one of a noun, a pronoun, a verb, an adverb, an adjective, a conjunction, a preposition,
an article, an auxiliary verb, an infinitive, an interjection, modal verb, an object, a participle, a phrase, or a predicate;

splitting, by the computer-based system, the tagged body of text into grammatical chunks;
identifying, by the computer-based system, named entities within the body of text;
resolving, by the computer-based system and based on the tokenizing, the individual tokens having a pronoun grammatical role
with corresponding noun phrases;

wherein the resolving the individual tokens comprises weighting the individual tokens having a pronoun grammatical role based
on the structured contextual information,

deciding, by the computer-based system and in response to the resolving, a context and purpose of the body of text,
translating, by the computer-based system and in response to the deciding, semantic concepts of the body of text into one
or more semantic tags;

identifying, by the computer-based system and in response to the translating, one or more communication topics and presuppositions
of the body of text,

wherein the identifying the one or more communication topics and presuppositions comprises analysis of prior communications
within the body of text to facilitate the tokenizing the body of text,

wherein the analysis of prior communications within the body of text comprises, in response to the identifying the structured
contextual information comprises:

analyzing structured contextual information to facilitate a homophora resolution; and
integrating, in response to the analyzing and in response to the weighting of the individual tokens having a pronoun grammatical
role based on the structured contextual information, the homophora resolution into an anaphora resolution algorithm by substituting
the structured contextual information into the body of text to help interpret the body of text;

generating, by the computer-based system and in response to the translating, a list of the one or more semantic tags; and
conducting, by the computer-based system, in response to the translating and using the one or more semantic tags, semantic
reasoning to facilitate pattern identification within a group of documents,

wherein the pattern identification includes analyzing implied relationships of the text within the group of documents to identify
a specific topic, wherein the pattern identification is based on at least one of progress or consensus of the text within
the group of documents; and

displaying, by the computer-based system, in response to the conducting and to a user interface, the specific identified topic
of the body of text.

US Pat. No. 9,245,250

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system configured for processing a service dialog, tailored content based upon a reminder
associated with a consumer;

identifying, by the computer-based system, the tailored content comprising a plurality of tailored options, wherein the plurality
of tailored options include merchant data related to advertising and offers;

performing, by the computer-based system and in response to the reminder, a custom service dialog to obtain information related
to a custom request associated with the reminder,

wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
request;

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

analyzing, by the computer-based system, a consumer profile to determine consumer preferences;
wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
identifying, by the computer-based system, the tailored content based upon matching the consumer preferences in the consumer
profile and a spouse profile,

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

communicating, by the computer-based system and to a web client, the tailored content with tailored options related to the
reminder;

receiving, by the computer-based system, a selection of the tailored options,
wherein the tailored content is determined based upon the information related to the custom request, obtained content, a consumer
pattern, the consumer preferences, and content metadata,

wherein the content metadata includes category data associated with the tailored content,
wherein the consumer preferences include subpreferences having additional features associated with the consumer preferences,
and

processing, by the computer-based system, a payment in association with the tailored content in response to the receiving.

US Pat. No. 9,361,627

SYSTEMS AND METHODS DETERMINING A MERCHANT PERSONA

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
creating, by a computer based system, a group containing a plurality of merchants based on a common trait within a time period,
wherein the common trait includes at least one of a keyword association between the plurality of merchants, similar industry
code, criteria of specific merchants, items sold by the merchants, merchant offers, merchant behaviors, or merchant transaction
information,

wherein the keyword association is contained in each of the names of the plurality of merchants,
supplementing, by the computer based system, the group with additional merchants that did not include the keyword association,
but the additional merchants include consumer activity over a predetermined threshold;

supplementing, by the computer based system, the group with consumer booster merchants, wherein the consumer booster merchants
are connected with consumers associated with a topic;

determining, by the computer based system, a plurality of consumer transaction accounts that were used to initiate transactions
at the plurality of merchants,

assigning, by the computer based system, a score to each of the plurality of merchants based on connectivity, activity, common
consumers and merchant over-index,

wherein the merchant over-index includes a ratio of the consumers with the transactions at the merchant compared to a baseline
population of the consumers,

removing, by the computer based system and from the group, the merchants with the score below a threshold;
selecting, by the computer based system, an interest,
wherein the interest is associated with a persona, and
wherein at least one of the interest or the persona include parameters that define the at least one of the interest or the
persona;

evaluating, by the computer based system, the group containing the plurality of merchants to determine a seed merchant based
on the interest,

wherein each of the plurality of merchants has a corresponding merchant profile that includes a plurality of attributes, and
wherein the plurality of attributes are compared to the parameters associated with the at least one of the interest or the
persona;

determining, by the computer based system, the seed merchant and a seed customer,
wherein the seed merchant has the merchant profile with a first plurality of attributes that at least partially match the
parameters associated with the at least one of the interest or the persona, and

wherein the seed customer has a customer profile that includes a second plurality of attributes that at least partially match
the parameters associated with the at least one of the interest or the persona;

determining, by the computer based system, a pool of merchants based on the seed merchant and the seed customer, the pool
of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants
of which the seed customer has transacted;

scoring, by the computer based system, the pool of merchants based on at least one of the connectivity, the activity, and
the merchant over index associated with the data;

receiving, by the computer based system, a request for recommendations of merchants from a consumer based on the persona presented
to the consumer;

detecting, by the computer based system, a location of the consumer in response to the receiving the request for recommendation,
wherein the location is determined by a real time system based on the location of a mobile device where the request for recommendation
originated;

monitoring, by the computer based system and via the real time system, the location of the consumer;
adjusting, in real time and by the computer based system via the real time system, a list of recommended merchants associated
with the persona based on the monitoring the location of the consumer;

adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated
with the persona based on a time of day;

adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated
with the persona based on a percentage of the transactions at a meal-time exceeding a percentage of overall transactions;

presenting, by the computer based system and via the real time system and to the mobile device, the list of recommended merchants
in response to the adjusting based on the location, the adjusting based on the time of day and the adjusting based on the
transactions at a given meal-time; and

associating, by the computer based system, a consumer profile with the persona and in response to the request for recommendations
of the merchants from the consumer profile.

US Pat. No. 9,430,773

LOYALTY INCENTIVE PROGRAM USING TRANSACTION CARDS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
creating, by a computer based system, an offer for a rewards program,
wherein the offer is based on offer information and merchant information from a merchant, and
wherein the offer and the offer information are stored in an offer database and the merchant information is stored in a merchant
database, and

defining, by the computer based system, offer parameters associated with the offer,
registering, by the computer based system, a transaction account with the rewards program;
linking, by the computer based system, the transaction account to a reward program identifier that indicates that the transaction
account is associated with the rewards program, in response to the registering the transaction account with the rewards program,

wherein the transaction account is accessed by an offer distribution engine that is configured to distribute offers from the
offer database to the transaction account;

authorizing, by an authorization server of the computer based system, a transaction with the merchant in response to a user
initiating the transaction with the merchant using the transaction account,

wherein the authorization is based on a first amount of credit associated with the transaction account;
reducing, by the computer based system, an amount of available credit for the transaction account by a transaction amount
included with the authorization;

receiving, by the computer based system and in response to the authorizing, transaction information for the transaction from
the merchant for the transaction between the merchant and the user;

identifying, by the computer based system and in response to the authorizing, the merchant as an identified merchant based
on the transaction originating with the merchant;

determining, by the computer based system and from the transaction information and in response to the authorizing, the transaction
date;

accessing, by the computer based system and in response to the authorizing, a plurality of offers associated with a plurality
of merchants;

selecting, by the computer based system and in response to the accessing, a subset of the plurality of offers associated with
the identified merchant;

analyzing, by the computer based system and in response to the selecting, the transaction amount and the transaction date
to determine that the transaction information qualifies for a reward in accordance with a first offer of the subset of offers;

determining, by the computer based system and in response to the selecting, the reward based on the offer parameters, an attribute
of the transaction account, the transaction information, a type of the offer, and a rule;

applying, by the computer based system, the reward as a credit to the transaction in the transaction account during a settlement
operation;

adjusting, by the computer based system, the amount of the available credit for the transaction account, in response to the
applying the reward;

linking, by the computer based system, the reward with the transaction information associated with the transaction and based
on the registering the transaction account with the rewards program;

generating, by the computer based system, a record of the reward associated with the transaction account used to conduct the
transaction, wherein the record of the reward is associated with a charge associated with the transaction information corresponding
to the transaction; and

displaying, by the computer based system, an indicator of an amount of the reward on a statement in connection with the charge
corresponding to the transaction.

US Pat. No. 9,292,819

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
embedding, by a first computer-based system configured for facilitating a service dialog, tailored content with at least one
of a hyperlink or a uniform resource locator (URL) for each tailored option of the tailored content, the at least one of hyperlink
or URL configured to cause retrieval, by a browser, of a website associated with the respective tailored option;

displaying, by the first computer-based system, the tailored content,
wherein the tailored content is based on a reminder,
wherein the tailored content is based on an analysis of a consumer profile to determine consumer preferences,
wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
communicating, by the first computer-based system and to a second computer-based system configured for processing the service
dialog, a selection of the tailored content;

displaying, by the first computer-based system, a reminder associated with the tailored content;
participating, by the first computer-based system and in response to the reminder, in a custom service dialog to provide information
associated with the reminder,

wherein the custom service dialog includes receiving custom questions focused on providing more information about the custom
request,

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

displaying, by the first computer-based system, tailored options related to the reminder and the tailored content; and
communicating, by the first computer-based system, a selection of the tailored options;
wherein the tailored options are determined based upon the information related to at least one of the custom request, obtained
content, a consumer pattern, the consumer preferences, and content metadata,

wherein the content metadata includes category data associated with the tailored content, and
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor.

US Pat. No. 9,384,485

SYSTEMS AND METHODS FOR RAPIDLY PROVISIONING FUNCTIONALITY TO ONE OR MORE MOBILE COMMUNICATION DEVICES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
generating, by a provisioning computer-based system and prior to a request for provisioning contactless payment functionality,
a GUID (globally unique identifier) master encryption key,

wherein the GUID comprises a unique identifier that is associated with a transaction account customer;
deriving, by the computer-based system and based on a GUID value and prior to the request for provisioning contactless payment
functionality, a GUID specific base master encryption key associated with a GUID value,

wherein the GUID specific base master encryption key is based on the GUID value and the GUID master encryption key;
deriving, by the computer-based system and using a symmetric master cryptographic key and prior to the request for provisioning
contactless payment functionality, a GUID specific base master key;

creating, by the computer-based system and using the GUID specific base master key and prior to the request for provisioning
contactless payment functionality, a GUID specific base key;

creating, by the computer-based system and using the GUID specific base master key, a GUID specific base session key;
creating, by the computer-based system and using the GUID specific base session key and prior to the request for provisioning
contactless payment functionality, a majority of a perso-script that forms the proto-script,

creating, by the computer-based system and after the request for provisioning contactless payment functionality, an additional
portion of the perso-script prepended to the proto-script to rotate from one or more base encryption keys stored on a secure
element to the GUID specific base key;

wherein the portion of the perso-script comprises a file having perso-data associated with details of a mobile device and
a secure element associated with the transaction account customer; and

sending, by the computer-based system and after the request for provisioning contactless payment functionality, the perso-script
to the secure element for processing, which executes the prepended portion of the perso-script to rotate to GUID specific
base key and then completes the perso-script that is protected under the GUID specific base session key to complete the perso-script.

US Pat. No. 9,292,869

SYSTEM AND METHOD FOR DEFAULT PAYMENT SETTING

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
validating, by a computer-based system, transaction account login credentials for a transaction account associated with a
consumer, by comparing to stored transaction account login credentials in a database;

displaying, by the computer-based system using a displaying module, on a graphical user interface and in response to the validating,
a plurality of merchants;

requesting, by the computer-based system using a requesting module, merchant login credentials associated with the consumer,
wherein the merchant login credentials are entered by the consumer via an online interface associated with the computer-based
system;

determining, by the computer-based system, that the merchant login credentials have changed;
requesting, by the computer-based system on the graphical user interface and in response to the determining, new merchant
login credentials from the consumer;

running, by the computer-based system using default payment setting module, a roboscripting on the computer-based system such
that the computer-based system logs into the merchant account via a merchant portal by using the new merchant login credentials
from the consumer;

accessing, by the computer-based system using accessing module, and using the roboscripting and using the new merchant login
credentials and in response to the requesting new merchant login credentials, a merchant account associated with the consumer,
wherein the merchant account is located on a merchant server;

determining, by the computer-based system, whether the transaction account is the online default payment method provided in
the merchant account on the merchant server;

transmitting, by the computer-based system on the graphical user interface, a request to the consumer seeking permission to
set the transaction account as the online default payment method on the merchant account on the merchant server,

sending code, by the computer-based system using the roboscripting in real-time, to the merchant account on the merchant server
such that the default payment setting module runs as a roboscript to instruct the merchant account to convert the transaction
account to the online default payment method in response to the transmitting and to expedite the online checkout process;
and

transmitting, by the computer-based system using the roboscripting in real-time, updated transaction account information associated
with the transaction account to the merchant account on the merchant server in response to the consumer updating in real-time
the transaction account information and to expedite the online checkout process.

US Pat. No. 9,167,425

SYSTEMS AND METHODS FOR RAPIDLY PROVISIONING FUNCTIONALITY TO ONE OR MORE MOBILE COMMUNICATION DEVICES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a proprietary telecommunications company (“Telco”) computer-based system and prior to a request for provisioning
functionality, a globally unique identifier (“GUID”) encryption key from an application service provider system;

wherein prior to the request for the provisioning functionality, the GUID encryption key is generated from a GUID,
wherein the GUID comprises a unique identifier that is associated with a transaction account customer,
wherein a value associated with the GUID encryption key is generated,
wherein, based on the value, a plurality of base encryption keys associated with the value are derived,
wherein the plurality of base encryption keys are based on at least one of the value or a GUID master encryption key,
wherein, using a symmetric master cryptographic key, GUID specific master keys are derived,
wherein a GUID specific base master key is created,
wherein, using the GUID specific master keys, GUID specific base keys are created,
wherein, using the GUID specific base master key, GUID specific session keys are created,
wherein, using the GUID specific session keys, a majority of a perso-script is created,
wherein the perso-script comprises a file having perso-data associated with details of a mobile communication device and a
secure element associated with the transaction account customer,

wherein a proto-script is created, and
wherein the perso-script is sent to the secure element for processing to complete a preformed perso-script,
receiving, by the Telco computer-based system and from the application service provider system, the proto-script, wherein
the proto-script comprises the perso-script prepended by a script to rotate the plurality of base encryption keys, wherein
the base encryption keys are based on the value generated by the application service provider system; and

transmitting, by the Telco computer-based system, the proto-script to the mobile communication device.

US Pat. No. 9,158,656

SYSTEMS AND METHODS FOR PROGRESSIVELY LAUNCHING WEBSITES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
launching, by a computer-based system and on a soft launch server, a production phase website to a first subset of consumers,
while a predecessor website is still available to a second subset of consumers;

evaluating, by the computer-based system and using monitoring script, the performance of the production phase website based
upon a comparison of the performance of the production phase website to a performance of the predecessor website,

wherein the performance is based on at least one of: a website load time, a loading error or a website error;
determining, by the computer-based system, that the evaluation meets pre-determined criteria;
launching, by the computer-based system and on the soft launch server, the production phase website to the second subset of
consumers, in response to the evaluation meeting pre-determined criteria; and

replacing, by the computer based system and on a hard launch server, the predecessor website with the production phase website
for the first subset of consumers and the second subset of consumers.

US Pat. No. 9,280,767

SYSTEM AND METHOD FOR LINKING POINT OF SALE DEVICES WITHIN A VIRTUAL NETWORK

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a first POS merchant device having a first wireless connection with a second POS merchant device, the first POS merchant device
storing a routing table specifying the second POS merchant device, the first POS merchant device having a second wireless
connection with a third POS merchant device;

wherein the first POS merchant device is programmed to transmit encrypted transactional data with a signed token over the
first wireless connection to the second POS merchant device instead of the third POS merchant device based on the routing
table;

wherein the second POS merchant device comprises an authentication circuit programmed to authenticate the signed token, thereby
authenticating the first POS merchant device, and allow a relay of the encrypted transactional data to a controller specified
in the routing table, in response to the first POS merchant device being authenticated, and

wherein the second POS merchant device is included in a first route between the first POS merchant device and the controller,
wherein the first route is shorter than a second route between the first POS merchant device and the controller, the second
route including the third POS merchant device.

US Pat. No. 9,349,137

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system, tailored content based upon a reminder associated with a consumer, consumer preferences
in a consumer profile and information from a custom service dialog;

wherein the tailored content comprises a plurality of tailored options, wherein the plurality of tailored options include
merchant data related to advertising and offers;

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

communicating, by the computer-based system and to a web client, the tailored content with tailored options related to the
reminder; and

receiving, by the computer-based system, a selection of the tailored options.

US Pat. No. 9,195,671

INFRASTRUCTURE AND ARCHITECTURE FOR DEVELOPMENT AND EXECUTION OF PREDICTIVE MODELS

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a processor configured for enabling execution of a plurality of models;
a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions
stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

converting, by the processor using a data extraction tool and using a Structured Query Language (SQL) macro, SQL variables
to Statistical Analysis System (SAS) variables in SAS datasets;

extracting, by the processor using the data extraction tool, data from SAS flat files based at least in part on contents of
uploaded customer files respectively associated with customers,

wherein the data comprises customer variables,
wherein the data extraction tool includes a user interface, the SQL macro, privacy function, filtering function, and a model
building function,

wherein the data is gathered by a data management system;
analyzing, by the processor, the customer variables in the customer files to determine trends in customer behavior;
determining, by the processor, the customer variables to use in the plurality of models,
wherein the customer variables are in the form of SAS datasets;
determining, by the processor, model logic based on the customer variables and the trends in customer behavior;
enabling, by the processor, creation of the plurality of models based on the model logic; and
scoring, by the processor and based on the plurality of models, the customers at a scoring frequency.

US Pat. No. 9,412,102

SYSTEM AND METHOD FOR PREPAID REWARDS

AMERICAN EXPRESS TRAVEL R...

12. A system comprising:
a processor;
a tangible network interface communicating with a non-transitory memory;
the non-transitory memory communicating with the processor; and
the processor, when executing a computer program, being capable of performing operations comprising:
registering, by the processor, a transaction account with a rewards program,
wherein the user of the transaction account is identified in response to the registering;
assigning, by the processor, a rewards program identifier to the transaction account;
receiving, by the processor, a prepaid transaction account code that corresponds to a prepaid transaction account,
wherein the prepaid transaction account code does not particularly identify a user of the prepaid transaction account;
registering, by the processor and in response to the receiving, the prepaid transaction account with the rewards program based
on the prepaid transaction account code,

linking, by the processor and in response to the registering, the prepaid transaction account, the transaction account and
a social networking channel profile,

providing, by the processor and in response to the linking, notifications through a social networking channel of offers for
the prepaid transaction account and rewards earned on the transaction account;

selecting, by the processor and in response to the registering the prepaid transaction account with the rewards program, the
transaction account to receive rewards for transactions initiated by the prepaid transaction account that are eligible for
the rewards,

wherein the rewards are credited to the transaction account based on the rewards program identifier being associated with
the transaction account and the prepaid transaction account;

receiving, by the processor and from a merchant, an authorization request for a transaction including transaction information,
wherein the transaction was initiated with the prepaid transaction account;

determining, by the processor and in response to the receiving the authorization request, an offer of the plurality of offers
for the prepaid transaction account based on the monitoring the transactions associated with the prepaid transaction account,
wherein the offer applies to the transaction;

determining, by the processor, that the transaction information satisfies a rule associated with the offer, wherein the offer
is associated with the rewards program;

determining, by the processor, a reward credit amount based on the transaction information and in response to the transaction
information complying with the rule from the offer;

transmitting, by the processor and through the social networking channel, a notice of the reward credit amount;
authorizing, by the processor, the transaction based on the transaction information received from the merchant; and
crediting, by the processor, the reward credit amount to the transaction account in response to the authorizing the transaction
initiated by the prepaid transaction account.

US Pat. No. 9,355,411

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system, tailored content;
embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

communicating, by the computer-based system, the tailored content to a web client;
receiving, by the computer-based system, a selection of the tailored content;
receiving, by the computer-based system, a message based custom service dialog request;
facilitating, by the computer-based system, a message based custom service dialog to obtain information related to the custom
service dialog request, and

further modifying, by the computer-based system, the tailored content,
wherein the tailored content is further modified based upon information related to the message based custom service dialog
request and consumer preferences, and

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor.

US Pat. No. 9,311,672

SYSTEMS AND METHODS FOR FRAUD DETECTION USING A COOPERATIVE DATA EXCHANGE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, at a first node and from a remote source over an internet, transactional data associated with a consumer,
wherein the transaction data comprises SKUs in a proposed transaction,
wherein the first node comprises a processor configured for credit approval and marketing analytics and a tangible, non-transitory
memory,

receiving, at the first node and from the remote source over the internet, at least one of:psychographic information related to the consumer or social media postings of the consumer;
receiving, at the first node and from the remote source over the internet, a credit approval request associated with the consumer
having an existing line of credit,

wherein the credit approval request is associated with the proposed transaction,
wherein the credit approval request comprises a request to utilize the existing line of credit;
retrieving, by the first node, internal data from a private-facing data store,
wherein the internal data comprises customer geographic information comprising:
instantaneous geographic information obtained from a digital device comprising a GPS-equipped smartphone; and
historical instantaneous geographic data obtained from the digital device comprising the GPS-equipped smartphone;
wherein the internal data further comprises at least one of:
prior transaction data comprising at least two of transaction amount, prior transaction time, prior transaction vendor or
merchant, prior transaction vendor or merchant location, or prior vendor or merchant web address;

prior consumer payment data comprising at least two of consumer payment dates, payment amounts, balance amount, or credit
limit; or

prior consumer interactions comprising at least two of records of consumer service calls, complaints, requests for credit
line increase, questions, comments, dates of calls, reasons for calls, or summaries of calls;

joining, by the first node, the internal data with the transactional data to create joined data;
determining, by the first node, a conformance score of the joined data,
wherein the conformance score comprises a correlation between the proposed transaction and at least the prior consumer interactions
and at least one of the prior transaction data or the prior consumer payment data;

at least one of approving or denying the credit approval request in response to the determination; and
performing marketing analytics, by the first node,
wherein the first node interfaces with photo recognition software,
wherein the photo recognition software scans the consumer's social networking photos, conducts a biometric analysis and determines
the gender and age of at least one of the consumer's spouse or children;

delivering product marketing, by the first node and to the remote source over the internet, in response to the analytics.

US Pat. No. 9,292,817

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
generating, by a computer-based system configured for processing a service dialog, a consumer profile;
obtaining, by the computer-based system, event information related to an event from the consumer profile;
reminding, by the computer-based system, the consumer of the event;
identifying, by the computer-based system and in response to a custom service dialog request, tailored content based upon
the event, based upon the consumer profile and based upon a custom service dialog to obtain information related to the custom
service dialog request;

wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
request,

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

wherein the identifying based on the consumer profile includes analyzing the consumer profile to determine a consumer pattern
and a consumer preference,

wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

communicating, by the computer-based system, the tailored content to the consumer; and
communicating, by the computer-based system, a plurality of tailored options associated with the tailored content,
wherein the tailored content is further determined based upon the information related to the custom request, obtained content,
the consumer pattern, the consumer preference, and content metadata,

wherein the content metadata includes category data associated with the tailored content, and
wherein the plurality of tailored options include merchant data related to advertising and offers.

US Pat. No. 9,489,680

SYSTEMS AND METHODS FOR PROVIDING LOCATION BASED COUPON-LESS OFFERS TO REGISTERED CARD MEMBERS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
linking, by a computer based system and in response to opting into a rewards system by a user associated with a transaction
account, a computing device of the user, a travel system, the reward system, and an offer registration system,

associating, by the computer based system, the transaction account with the rewards system and the offer registration system;
receiving, by the travel system of the computer based system, a travel itinerary booked by the user via the travel system;
associating, by the computer based system, the travel itinerary with the reward system;
determining, by the computer based system and via the reward system, the current location and the future location of the user
based on location information and a travel period from the travel itinerary;

selecting, by the computer based system, a plurality of offers based on the determined current location and the determined
future location and the travel period;

detecting, by the computer based system, a changing location of the user during the travel period based on location information
from the computing device of the user;

dynamically updating, by the computer based system, the plurality of offers based on the changing location of the user,
wherein the plurality offers are customized to the user based on the changing location of the user,
wherein the plurality offers are presented to the user via the computing device in substantially real-time and in response
to the determining the changing location, and

creating, by the rewards system of the computer based system, a user selectable link that is configured to provide access
to the plurality of offers;

transmitting, by the computer based system, a message to the user identifying the changing location of the user within the
message,

wherein the message comprises the user selectable link;
receiving, by the computer based system, a selection of the user selectable link of a first offer of the plurality of offers;
associating, by the computer based system, the first offer with the transaction account in response to the selection of the
first offer;

analyzing, by the computer based system, transaction information associated with the transaction account and offer rules from
the first offer associated with the transaction account; and

generating, by the computer based system, instructions to credit the transaction account with a reward associated with the
first offer, in response to the transaction information satisfying the offer rules.

US Pat. No. 9,477,988

SYSTEMS AND METHODS FOR IDENTIFYING FINANCIAL RELATIONSHIPS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
page scraping, by a computer-based system using first application programming interfaces (APIs), tradeline data associated
with a primary debtor from internet websites having a remote data store containing credit bureau data;

receiving, by the computer-based system and in response to the page scraping, the tradeline data associated with the primary
debtor from the remote data store via internet channels;

combining, by the computer-based system, at least two subsets of the tradeline data associated with the primary debtor,
wherein the at least two subsets comprise at least two of: an original balance amount, a current balance, a payment history,
an origination data, or a credit issuer name,

creating, by the computer-based system and using a fingerprinting function, a mathematical representation of the tradeline
data associated with the primary debtor in response to the combining;

processing, by the computer-based system and using the fingerprinting function, data points from the tradeline data to yield
a tradeline fingerprint associated with the primary debtor,

wherein different data points from the tradeline data yields different and unique tradeline fingerprints,
wherein the same data points from the tradeline data yields the same tradeline fingerprints;
wherein the fingerprinting function comprises at least one of: a hash function, a checksum function, or a randomization function,
page scraping, by the computer-based system using second application programming interfaces (APIs), tradeline data associated
with a secondary debtor from internet websites having a remote data store containing credit bureau data;

receiving, by the computer-based system and in response to the page scraping, the tradeline data associated with the secondary
debtor from the remote data store via internet channels;

combining, by the computer-based system, at least two subsets of the tradeline data associated with the secondary debtor,
creating, by the computer-based system and using the fingerprinting function, a mathematical representation of the tradeline
data associated with the secondary debtor in response to the combining;

processing, by the computer-based system and using the fingerprinting function, data points from the tradeline data to yield
a tradeline fingerprint associated with the secondary debtor,

comparing, by the computer-based system, the tradeline fingerprint associated with the primary debtor and the tradeline fingerprint
associated with the secondary debtor;

determining, by the computer-based system, that the tradeline fingerprint associated with the primary debtor matches the tradeline
fingerprint associated with the secondary debtor;

determining, by the computer-based system and in response to determining the match, that the primary debtor and the secondary
debtor are associated with the same tradeline fingerprint;

tagging, by the computer-based system and in response to determining the association, records associated with the primary
debtor and records associated with the secondary debtor with first tags to establish an association between the records to
create first linkages,

wherein the creating the first linkages includes a concatenation of two or more data fields from the tradeline data;
receiving, by the computer-based system, credit reporting data related to the primary debtor and the secondary debtor;
parsing, by the computer-based system and in response to the receiving credit reporting data, the credit reporting data to
determine associated debtors;

tagging, by the computer-based system and in response to the parsing, the records for the associated debtors with second tags
to create second linkages,

wherein the creating the second linkages includes a concatenation of two or more data fields from the tradeline data;
comparing, by the computer-based system and in response to the second tagging, the first linkages to the second linkages;
determining, by the computer-based system, that the first linkages are different from the second linkages;
adjusting, by the computer-based system and based on the determining the differences, the first linkages;
obtaining, by the computer-based system and using the page scraping, social network information associated with the primary
debtor;

determining, by the computer-based system and based on the social network information, a third debtor associated with the
primary debtor;

determining, by the computer-based system and at a first time period, that the third debtor does not yet have tradeline data
associated with the third debtor;

tagging, by the computer-based system, the third debtor to preserve the third debtor as an unmatched debtor;
obtaining, by the computer-based system and at a second time period, that the third debtor has tradeline data associated with
the third debtor;

establishing, by the computer-based system, a third linkage between the primary debtor and the third debtor;
determining, by the computer-based system, a debtor entity based on the first linkage, second linkage and the third linkage,
wherein the debtor entity is liable for the same tradeline fingerprint, and
wherein the debtor entity includes more than one person liable for the same tradeline,
providing, by the computer-based system, at least one of a product or service to the debtor entity, based upon the tradeline
fingerprint of the first debtor and spending patterns of the first debtor.

US Pat. No. 9,501,518

SYSTEMS AND METHODS FOR INTERVAL CONTROL ELEMENT CHAIN ARCHITECTURE

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a data retrieval processor,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause
the processor to perform operations comprising:

allocating, by the processor, among child change tables with associated child interval control element (ICE) Chains a portion
of an extract task using a master ICE Chain application,

wherein a master change table is monitored by a master ICE Chain, and
wherein the master change table includes a change record;
executing, by the processor and in response to the allocating, for each child ICE Chain, an application service program that
captures data from a plurality of databases; and

creating, by the processor and in response to the executing, a consumption ready record,
wherein the consumption ready record is written to a cache table,
wherein requests for information associated with the change record are available for retrieval without additional computation,
wherein changes to the consumption ready record are populated as current data, in response to changes to the data related
to an associated account occurring and being received by a transaction account issuer system, and

wherein responses to requests for calculations of the current data related to the associated account are available in substantially
real-time, without the need to perform the calculations in the responses to the requests.

US Pat. No. 9,208,528

SYSTEMS AND METHODS FOR EXPENSE MANAGEMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, an image of a receipt, wherein the image of the receipt is captured by an app on a
mobile device;

retrieving, by the computer-based system and from a transaction processor system and in response to the receiving, a record
of charge (ROC) associated with a transaction account,

wherein the ROC is provided by a merchant via a merchant system to the transaction processor system,
wherein the ROC includes a standard industrial classification (SIC) code of the merchant and a location associated with the
ROC; and

matching, by the computer-based system, the image of the receipt to the ROC based upon SIC code and location information acquired
from the image of the receipt.

US Pat. No. 9,311,653

SYSTEMS AND METHODS FOR DIGITAL SPEND BASED TARGETING AND MEASUREMENT

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
transmitting, by a computer-based system and to a third party system, a measurement file that associates a first customer
with first spending activity and a first party cookie ID;

transmitting, by the computer-based system, the first party cookie ID and a third party cookie ID to a web client associated
with the first customer, in response to the web client browsing on a website associated with a first party;

receiving, by the computer-based system, an updated measurement file with exposed data and unexposed data, both associated
with a third party cookie ID, and wherein the first party cookie ID is disassociated from the exposed data and the unexposed
data;

wherein the first party cookie ID is associated with a model,
wherein the model associates the market segment of interest to the first customer with the first party cookie ID,
wherein the web client transmits the first party cookie ID and the third party cookie ID to the third party system in association
with web browsing data,

wherein a second party system provides a second party cookie ID to the web client,
wherein the second party system transmits the browsing data to the third party system,
wherein the browsing data is associated with at least one of the web client or the third party cookie ID,
wherein the third party system updates a model file such that the browsing data is associated with the third party cookie
ID, and

wherein the third party system transmits the updated model file to the first party system;
storing, by the computer-based system, the updated measurement file in a database;
tuning, by the computer-based system, the database to optimize database performance, wherein the tuning includes placing frequently
used files on separate file systems to reduce in and out bottlenecks;

comparing, by the computer-based system and from the database, exposed data indicating that the first customer was exposed
to a targeted advertisement to the first spending activity associated with the first customer, wherein the exposed data comprises
the measurement file;

comparing, by the computer-based system and from the database, unexposed data indicating that a second customer was exposed
to a neutral advertisement to a second spending activity associated with the second customer, wherein the neutral advertisement
is based on the second customer conforming to updated model logics;

and generating, by the computer-based system, a spend report based on the comparing the exposed data to the first spending
activity and the comparing the unexposed data to the second spending activity.

US Pat. No. 9,159,063

SYSTEMS AND METHODS FOR RAPIDLY PROVISIONING FUNCTIONALITY TO ONE OR MORE MOBILE COMMUNICATION DEVICES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
transmitting, by a mobile communication device and to an application service provider system, a request to receive application
functionality;

wherein prior to the request to receive the application functionality, a GUID (globally unique identifier) encryption key
is generated from a GUID,

wherein the GUID comprises a unique identifier that is associated with a transaction account customer,
wherein a value associated with the GUID encryption key is generated,
wherein, based on the value, a plurality of base encryption keys associated with the value are derived,
wherein the plurality of base encryption keys are based on at least one of the value or a GUID master encryption key,
wherein, using a symmetric master cryptographic key, GUID specific master keys are derived,
wherein a GUID specific base master key is created,
wherein, using the GUID specific master keys, GUID specific base keys are created,
wherein, using the GUID specific base master key, GUID specific session keys are created,
wherein, using the GUID specific session keys, a majority of a perso-script is created,
wherein the perso-script comprises a file having perso-data associated with details of the mobile communication device and
a secure element associated with the transaction account customer,

wherein a proto-script is created, and
wherein the perso-script is sent to the secure element for processing to complete a preformed perso-script,
receiving, by the mobile communication device, the preformed perso-script,
wherein the perso-script comprises a file that includes customer information and is prepended by a key rotation portion;
processing, by the mobile communication device, the key rotation portion to rotate to a new set of encryption keys;
transmitting, by the mobile communication device and to the application service provider system, a result of the key rotation;
and
receiving, by the mobile communication device and from the application service provider system, the application functionality.

US Pat. No. 9,355,378

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
receiving, by a computer-based system configured for providing tailored options, a custom request for tailored content;
performing, by the computer-based system and in response to the custom request, a custom service dialog to obtain information
related to the custom request,

wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application
based service dialog over a web client or a magazine based service dialog,

wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom
request;

analyzing, by the computer-based system, a consumer profile to determine consumer preferences;
wherein at least a portion of data in the consumer profile is obtained from a transaction processing system,
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a web site associated with the respective tailored option,

communicating, by the computer-based system, the tailored options associated with merchants to the consumer,
wherein the tailored content in the plurality of tailored options is determined based upon at least one of the information
related to the custom request, obtained content, the consumer profile, a consumer pattern, the consumer preferences, or content
metadata,

receiving, by the computer-based system, a selection from the tailored options;
setting, by the computer-based system, a reminder associated with the occurrence of the selection;
offering, by the computer-based system, gift options associated with an event related to the selection;
receiving, by the computer-based system, a payment request to pay for one or more of the gift options; and
completing, by the computer-based system, a payment transaction related to the payment request.

US Pat. No. 9,489,677

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, direct data and indirect data, wherein the direct data includes a cookie identification
(ID);

aggregating, by the computer-based system, a consumer profile based upon the direct data and the indirect data, wherein the
consumer profile includes a consumer preference associated with a consumer;

receiving, by the computer-based system and from the consumer, a designation that a data partner is not eligible to receive
the consumer profile;

receiving, by the computer-based system, a designation that the data partner is eligible to be a privileged data partner and
receive the consumer profile, wherein the eligibility is based on the consumer visiting a digital destination of a data partner;

receiving, by the computer-based system and from the consumer, a first software-enabled permission that the data partner is
the privileged data partner and eligible to receive the consumer profile;

receiving, by the computer-based system and from the consumer, a second software-enabled permission that a type of the data
partner is the privileged data partner and eligible to receive the consumer profile, wherein the type of data partner is based
upon at least one of the consumer's interest in items offered for sale by the privileged data partner, a transaction history
with the privileged data partner, or a location of the privileged data partner;

selecting, by the computer-based system, a subset of the consumer profiles based on common consumer preferences;
storing, by the computer-based system, the subset of the consumer profiles in a database;
including, by the computer-based system, a key field in the database to speed searches;
tuning, by the computer-based system, the database to optimize database performance,
wherein the tuning includes placing frequently used files on separate file systems to reduce in and out bottlenecks;
receiving, by the computer-based system, consumer tracking cookie information stored on a web client based on the cookie ID;
and

transmitting, by the computer-based system, the subset of the consumer profiles to the privileged data partner.

US Pat. No. 9,077,547

SYSTEM AND METHOD FOR SECURELY TRANSMITTING DATA VIA AN ELECTRONIC MARKETPLACE

AMERICAN EXPRESS TRAVEL R...

1. A computer-based method comprising:
receiving, by a digital network electronic marketplace computer and via a first API, a request to route a service call message
from a service consumer to a service provider within an electronic marketplace of service providers and service consumers;

storing, by the digital network computer, service consumer identification attributes of the service call message to a database;
scrubbing, by the digital network computer, the service consumer identification attributes of the service call message from
the service call message;

appending, by the digital network computer, a token comprising proxy attributes to the service call message; and
routing, by the digital network computer and through a second API, the service call message to the service provider based
on at least one of the service consumer identification attributes or the proxy attributes of the service call message.

US Pat. No. 9,208,485

SYSTEM AND METHOD FOR FACILITATING ONLINE TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a financial transaction computer, that a preset payment relationship does not exist with value transfer services;
submitting, by the computer and in response to the non-existent preset payment relationship, code to a website,
wherein the code authorizes in-page transaction confirmation by data sharing between a first frame managing the fund transfer
and the website,

wherein the first frame directs interested buyers to the website,
wherein the website is managed by a remote system acting as an exchange facilitator to manage funds transfer within the first
frame,

wherein the website is hosted by a third-party on a third party server;
supplying, by the computer and in response to the code being executed, content to the website,
wherein the website displays the content in the first frame of a webpage,
wherein the webpage comprises the first frame and a second frame;
receiving, by the computer, transaction information from the first frame via the third-party server,
wherein at least a portion of the transaction information is displayed in the second frame;
returning, by the computer, a token to the first frame, the token including state information based on the transaction information,
verifying, by the computer and based on the state information, an existence of a first account,
wherein the state information includes information verifying the existence of the first account;
confirming, by the computer and based on the state information, that a sufficient amount of funds exist in the first account
for transferring funds from the first account to a second account, prior to the transferring of funds,

wherein the state information confirms that the sufficient amount of the funds exist in the first account for the transferring
funds from the first account to the second account, prior to the transferring of funds;

passing, by the computer, the token from the first frame to the third-party server,
receiving, by the computer, the token from the third-party server;
in response to receiving the token from the third-party server, transferring, by the computer, the funds from the first account
to the second account based on the transaction information and the state information; and

confirming, by the computer and based on the receiving of the token, that the third party server approved the transferring,
wherein the receiving of the token indicates that the third party server approved the transferring.

US Pat. No. 9,207,982

METHOD AND SYSTEM FOR MANAGING PROCESSING RESOURCES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
accessing, by a computer-based system, variables;
compiling, by the computer-based system and based on the variables, a prioritized list of servers of a plurality of servers;
determining, by the computer-based system and using an application, end of life targets for the plurality of servers based
on a first set of technical and business parameters of applications running on each server of the plurality of servers,

wherein the first set of technical and business parameters of the applications are based on the variables,
wherein the first set of technical and business parameters comprise an application criticality score based on a combination
of a Sarbanes Oxley score and a data security score of an application processed by each server,

assessing, by the computer-based system and based on a standard, data security of an application processed by each server
of the plurality of servers;

scoring, by the computer-based system and based on the assessment, the application to create a data security score, wherein
the data security score includes a public, business confidential, restricted or secret designation of the application processed
by each server of the plurality of servers;

obtaining, by the computer-based system and from a repository of the server, a weight for the Sarbanes Oxley score to create
a weighted Sarbanes Oxley score;

obtaining, by the computer-based system and from the repository of the server, a weight for the data security score to create
a weighted data security score;

updating, by the computer-based system, the application criticality score based on the weighted Sarbanes Oxley score and the
weighted data security score;

adjusting, by the computer-based system, the application criticality score based on an importance of the application for an
organization, a customer or a merchant;

determining, by the computer-based system, an application criticality based on the application criticality score being above
a pre-determined threshold;

comparing, by the computer-based system, an operating system platform of the application processed by the server with the
application criticality of the application processed by the server;

determining, by the computer-based system and based on the comparison, an end of life target for the server;
determining, by the computer-based system, a designated year to replace the server, based on the end of life target;
prioritizing, by the computer-based system, uplifts of each server of the plurality of servers to create a priority, wherein
the prioritizing is based on a second set of technical and business parameters; and

removing, by the computer-based system, a server from the prioritized list of servers based on an indicator signifying the
server is previously designated to be uplifted,

wherein the indicator is retrieved from at least one of a server repository or an application repository.

US Pat. No. 10,115,058

PREDICTIVE MODELING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:converting, by a computer-based system, Structured Query Language (SQL) variables to Statistical Analysis System (SAS) variables in SAS flat files;
extracting, by the computer-based system, data from the SAS flat files;
analyzing, by the computer-based system, the data to determine trends in behavior;
determining, by the computer-based system, the data to use in a plurality of models;
determining, by the computer-based system, model logic based on the data and the trends in the behavior, wherein the data referenced in a file is determined by the plurality of models that use portions of the SAS variables;
enabling, by the computer-based system, creation of the plurality of models based on the model logic;
delivering, by the computer-based system, the data to the plurality of models;
storing, by the computer based system, the data in a plurality of split files based upon a frequency of use of one or more of the data in the plurality of models; and
reducing, by the computer based system and based on the storing, a cycle time associated with a repeated execution of the plurality of models.

US Pat. No. 10,037,566

SYSTEM AND METHOD FOR TRANSACTION ACCOUNT OWNER ACQUISITION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:generating, by a computer based system, a digital pass for a credit card account holder;
transmitting, by the computer based system, the digital pass to a digital wallet of a first mobile device of the credit card account holder,
wherein the digital pass is a sharable electronic pass from the digital wallet,
wherein the digital pass includes a selectable link and a scanable indicator,
wherein the first mobile device of the credit card account holder shares the digital pass with a second mobile device of an applicant;
receiving, by the computer based system, a selection of the sharable electronic pass from the second mobile device of the applicant;
generating, by the computer based system, a credit card application in response to the selection of the sharable electronic pass by the applicant;
transmitting, by the computer based system, the credit card application to the applicant;
wherein the credit card application is associated with the digital pass such that the credit card account holder is associated with the credit card application received from the applicant,
wherein the credit card application qualifies the applicant to receive a credit card account,
wherein the credit card account is used to conduct a financial transaction for purchasing items from a plurality of merchants,
wherein the purchasing with the credit card account results in records of charges with the merchants and settlements of the records of charges with a financial institution that issued the credit card account,
transmitting, by the computer based system, the credit card application to the second mobile device of the applicant;
providing, by the computer based system, a reward to the credit card account holder based on the digital pass that indicates the credit card account holder is associated with the credit card application sent to the applicant;
transmitting, by the computer based system, a request for preliminary information to the second mobile device of the applicant,
wherein the request is transmitted in response to an inquiry from the applicant regarding the applicant's eligibility for the credit card account, and
receiving, by the computer based system, a response from the applicant with the preliminary information that includes a subset of personally identifying information;
parsing, by the computer based system, the response into application information for the credit card application;
creating, by the computer based system, an identity verification request based on the application information to create identity verification information;
transmitting, by the computer based system, the identity verification information to a credit rating agency, wherein the credit rating agency provides creditworthiness information to complete the credit card application and to supplement the application information for the applicant;
completing, by the computer based system, the credit card application, based on the preliminary information provided by the applicant, and the credit worthiness information provided by the credit rating agency,
wherein in response to the credit card application at least partially satisfying a credit card account issuing threshold, the credit card account is issued to the applicant;
receiving, by the computer based system, an authorization request from the merchant to authorize the purchasing using the credit card account; and
receiving, by the computer based system, a settlement request from the merchant associated with the purchasing.

US Pat. No. 9,948,637

SYSTEM AND METHOD FOR DATA SECURITY ON BIG DATA SETS

AMERICAN EXPRESS TRAVEL R...

1. A cloaked data system comprising:a cloak database comprising a table of data and metadata comprising a schema of the table of data;
a cluster edge node comprising a Hadoop framework, wherein the cluster edge node is configured to receive a user request from a user, such that the user may access at least a portion of data;
a Hadoop cluster node in logical communication with the cluster edge node via an encrypted data request pathway,
wherein the Hadoop cluster node is in logical communication with the cloak database, and
wherein the Hadoop cluster node is configured to selectively decrypt the at least a portion of the table of data in response to the user request;
wherein the Hadoop cluster node comprises a cloak cryptography service such that the at least a portion of the table of data may be selectively retrieved and decrypted according to a decryption key, a user identity, and a user role, and
wherein the cloak cryptography service comprises:
a cloak request handler configured to receive a request from a cloak client of a cluster edge node via a requestor authentication pathway to read or write data to at least one of the cloak database and a cloak key database;
a cloak authenticator configured to receive encrypted authentication data from a cloak request handler via the requestor authentication pathway,
wherein the user identity and the user role may be determined in response to the encrypted authentication data;
a cloak reader configured to receive a read request from the cloak client of the cluster edge node via a cloak read request pathway; and
a cloak authorizer in logical communication with the cloak request handler via a requestor authorization pathway,
wherein the cloak authorizer is configured to determine whether the user is authorized for the read request;
the cloak key database comprising an encryption key corresponding to the table of data.

US Pat. No. 9,684,731

SYSTEMS AND METHODS FOR PROGRESSIVELY LAUNCHING WEBSITES

American Express Travel R...

1. A method comprising:
launching, by a computer-based system, a production phase website to a first subset of consumers;
evaluating, by the computer-based system and using monitoring script, the performance of the production phase website based
upon a comparison of the performance of the production phase web site to a performance of a predecessor web site,

wherein the performance is based on at least one of a website load time, a loading error or a web site error;
determining, by the computer-based system, that the evaluation meets pre-determined criteria;
launching, by the computer-based system, the production phase website to a second subset of consumers, in response to the
evaluation meeting pre-determined criteria; and

replacing, by the computer based system, the predecessor website with the production phase web site for the first subset of
consumers and the second subset of consumers.

US Pat. No. 9,589,264

SYSTEM AND METHOD FOR PRE-PROVISIONED WEARABLE CONTACTLESS PAYMENTS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
pre-provisioning, by a computer based system, an alias code onto a secure chip having a near field communication (NFC) antenna;
transmitting, by the computer based system and in response to the pre-provisioning, an association between a secure chip identifier
(ID) of the secure chip and the alias code to a transaction account issuer;

embedding, by the computer based system, the secure chip into a wearable form factor; and
storing, by the computer based system, at least one of the secure chip ID or the alias code in a wearable form factor memory
housed in the wearable form factor,

wherein a native application of the wearable form factor detects and reads the secure chip ID from the wearable form factor
memory,

wherein the native application passively transmits at least one of the secure chip ID or the alias code to at least one of
a transaction account issuer application or a transaction processor application,

wherein the native application is paired with an app,
wherein the app obtains and stores the secure chip ID off of the wearable form factor,
wherein, in response to receiving a selection of a transaction account, the transaction account issuer links the transaction
account with the wearable form factor;

wherein the transaction account issuer obtains the secure chip ID off of the wearable form factor;
wherein the transaction account issuer determines, based on the association, the alias code from the secure chip ID, and
wherein the transaction account issuer links the alias code to the transaction account.

US Pat. No. 9,208,510

SYSTEMS AND METHODS FOR DIGITAL SPEND BASED TARGETING AND MEASUREMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
transmitting, by a spend based targeting computer-based system and to a third party system, a model file associating a first
party cookie ID with market segment data;

transmitting, by the computer-based system, the first party cookie ID and a third party cookie ID to a web client associated
with a customer, in response to the web client browsing on a website associated with a first party,

receiving, by the computer-based system, an updated model file from the third party system;
associating, by the computer-based system, the updated model file to browsing data; and
determining, by the computer-based system and based on the association, a market segment where the customer at least one of
is likely to browse or has recently browsed,

wherein the first party cookie ID identifies the customer with the first party,
wherein the first party cookie ID is associated with a model,
wherein the model associates the market segment of interest to the customer with the first party cookie ID,
wherein the customer is associated with the market segment based on the spend data of the customer,
wherein the third party system associates the third party cookie ID with the model file and the first party cookie ID,
wherein the web client transmits the first party cookie ID and the third party cookie ID to the third party system in association
with web browsing data,

wherein a second party system provides a second party cookie ID to the web client,
wherein the second party system transmits the browsing data to the third party system,
wherein the browsing data is associated with at least one of the web client or the third party cookie ID,
wherein the third party system updates a model file such that the browsing data is associated with the third party cookie
ID,

wherein the model file includes the market segment of interest to the customer,
wherein the model file identifies other customers interested in the market segment,
wherein the third party system deletes the first party cookie ID from the updated model file,
wherein the first party is unable to identify the customer without the first party cookie ID,
wherein the third party is unable to associate the browsing data with the customer, and
wherein the third party system transmits the updated model file to the first party system.

US Pat. No. 10,007,597

SOFTWARE TESTING MANAGEMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:scanning, by a test management system, a version control repository and source code management system to detect at least one of a first code, a test or a first file written for a first test framework;
reading, by the test management system, input conditions from the version control repository;
parsing, by the test management system and using an application programming interface (API), at least one of the first code, the test or the first file;
extracting, by the test management system, programming language objects from at least one of the first code, the test or the first file;
extracting, by the test management system and using an API, relevant data from at least one of the first code, the test or the first file;
creating, by the test management system, a first test case in a system of record (SOR) in response to detecting at least one of the first code, the test or the first file;
updating, by the test management system and using a version control repository, the first test case with the current version of at least one of the first code, the test or the first file, in response to receiving a poll command from a developer console indicating automation codes and files stored in the source code management system have changed;
mapping, by the test management system, the first test case to at least one of requirements or user stories;
scanning, by the test management system, the version control repository to detect at least one of a second code or a second file written for a second test framework, wherein the second test framework is different from the first test framework;
creating, by the test management system, a second test case in the SOR in response to detecting at least one of the second code or the second file; and
raising, by the test management system and in the SOR, a defect associated with the first test case and the second test case.

US Pat. No. 9,613,306

MAGNETIC CARD SWIPE EMULATION SYSTEMS AND METHODS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
storing, by a processor, a plurality of session keys on a mobile device with the session keys having an expected order of
use;

receiving, by the processor, a transaction request;
decrypting, by the processor, a next expected session key from the plurality of session keys; and
broadcasting, by the processor, a signal configured for being received by a magnetic stripe reader,
wherein at least one of track 1 data or track 2 data are encoded in the signal,
wherein the at least one of the track 1 data or the track 2 data comprises a dynamically generated value, and
wherein the dynamically generated value is generated based on the next expected session key.

US Pat. No. 9,576,294

SYSTEM AND METHOD FOR PROVIDING COUPON-LESS DISCOUNTS BASED ON A USER BROADCASTED MESSAGE

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
linking, by a computer based system, a transaction account of a user with a first third party broadcast platform and a second
third party broadcast platform,

wherein the transaction account of the user is associated with first profile information for the first third party broadcast
platform and second profile information for the second third party broadcast platform;

receiving, by a broadcast monitoring module of the computer based system residing with a broadcast channel, a first set of
broadcasts from the first third party broadcast platform;

identifying, by the broadcast monitoring module of the computer based system and based on the offer indicator, a first subset
of broadcasts from the first set of broadcasts;

wherein a broadcast in the first subset of broadcasts comprises the offer indicator,
wherein the offer indicator is associated with an offer,
wherein the offer indicator is associated with offer information that defines the offer,
wherein the offer is converted to be configured for use in the broadcast, and
receiving, by the broadcast monitoring module of the computer based system, a second set of broadcasts from the second third
party broadcast platform;

identifying, by the broadcast monitoring module of the computer based system and based on the offer indicator, a second subset
of broadcasts from the second set of broadcasts;

wherein a broadcast in the second subset of broadcasts comprises the offer indicator,
parsing each broadcast of at least one of the first set of broadcasts or the second set of broadcasts, by the computer based
system, to identify the offer indicator and a source of the broadcast;

correlating, by the computer based system and in response to the identifying the offer indicator and based on the associating
the transaction account of the user and at least one of the first profile information or second profile information, the offer
with the transaction account of the user and the source of the broadcast, wherein the user is the source of the broadcast;

associating, by the computer based system, the offer defined by the offer indicator to the transaction account of the user
in response to the correlating;

generating, by the computer based system, notification instructions,
wherein the notification instructions are provided to at least one of the first third party broadcast platform or the second
third party broadcast platform, and

wherein the at least one of the first third party broadcast platform or the second third party broadcast platform transmits
a notification of the offer and the offer based on the notification instructions to the user in the at least one of the first
third party broadcast platform or the second third party broadcast platform;

receiving, by the computer based system, transaction information associated with the transaction account of the user;
comparing, by the computer based system, the offer to the transaction information; and
crediting, by the computer based system, an amount associated with the offer to the transaction account of the user based
on the broadcast, in response to the transaction information satisfying the offer information.

US Pat. No. 9,756,076

DYNAMICALLY REACTING POLICIES AND PROTECTIONS FOR SECURING MOBILE FINANCIAL TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A computer implemented method comprising:
receiving, by a trust mediator included in an issuer network and having a processor, a list of protection methods from a first
external terminal over a communication network, wherein the list of protection methods includes protection methods available
to the first external terminal;

matching, by the trust mediator, each of the protection methods in the received list of protection methods to a corresponding
protection method in a master list of protection methods stored in a protection method database, wherein the master list of
protection methods includes category information and strength information corresponding to each protection method;

creating, by the trust mediator, a matrix of protection methods based on at least one of the matched protection methods, the
matrix including a plurality of dimensions corresponding to a plurality of categories, respectively, wherein the protection
methods are arranged in the matrix based on the category information, and, within each dimension, the protection methods are
arranged based on the strength information;

assigning, by the trust mediator, a first index level to a first protection method in the matrix, and a second index level
to a second protection method in the matrix;

receiving, by the trust mediator, security-related information from one or more trust mediator agents over the communication
network, wherein the security-related information indicates that the first protection method is invalid;

increasing, by the trust mediator and in response to the receiving the security-related information, a threshold index level;
performing, by the trust mediator, a database lookup using an external terminal identifier for the first external terminal;
retrieving, by the trust mediator and based on the external terminal identifier, rules corresponding to the received security-related
information from a master list of rules;

selecting, by the trust mediator, at least one protection method from the matrix of protection methods based on the rules
obtained by the retrieving, the category information, the strength information, and the second index level, wherein the second
index level is greater than the threshold index level; and

transmitting, by the trust mediator, the at least one selected protection method to a trust mediator agent to complete a financial
transaction.

US Pat. No. 9,514,453

DYNAMICALLY REACTING POLICIES AND PROTECTIONS FOR SECURING MOBILE FINANCIAL TRANSACTION DATA IN TRANSIT

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
computing, by a computer-based system and based on a predetermined valuation formula, a value associated with a data message
to be communicated;

computing, by the computer-based system and based on an attack signature and a first protection mechanism, a probability that
security of the data message will be compromised;

computing, by the computer-based system, a total risk level based on the value associated with the data message and the probability
that security of the data message will be compromised;

selecting, by the computer-based system and from a plurality of security policies stored in a database, a security policy
that results in a risk level within a predetermined risk threshold, wherein the security policy comprises a first encryption
method;

determining, by the computer-based system, that the first encryption method has been exploited; and
selecting, by the computer-based system, a second encryption method.

US Pat. No. 9,734,516

SYSTEMS AND METHODS FOR IDENTIFYING AND DELIVERING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
embedding, by a first computer-based system, tailored content with at least one of a hyperlink or a uniform resource locator
(URL) for each tailored option of the tailored content, the at least one of hyperlink or URL configured to cause retrieval,
by a browser, of a website associated with the respective tailored option;

displaying, by the first computer-based system, the tailored content,
wherein the tailored content is based on a reminder and consumer preferences of a consumer,
participating, by the first computer-based system and in response to the reminder, in a custom service dialog to provide information
associated with the reminder,

displaying, by the first computer-based system, tailored options related to the reminder, the consumer preferences and the
tailored content; and

receiving, by the first computer-based system, a selection of the tailored options,
wherein the consumer preferences are ranked based upon highest percentage, spending amount, frequency of a behavior, and a
weighting factor.

US Pat. No. 9,754,339

METHOD AND SYSTEM FOR HIGH VOLUME DOCUMENT PROCESSING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer system and over the internet, mailing data corresponding to multiple mailing pieces,
wherein the mailing data comprises information identifying attributes of the multiple mailing pieces for distribution,
analyzing, by the computer system, the mailing data based on intended geographic destinations of the multiple mailing pieces;
determining, by the computer system, a plurality of geographic location groupings;
filtering, by the computer system and using a filter module, the mailing data into the plurality of geographic location groupings,
wherein the filtering is by country, then the filtering is by zipcode;
selecting, by the computer system and using a selection module, a number of product type groupings based on product information
of the multiple mailing pieces;

electronically sorting, by the computer system and using a sorting module, the mailing data based on mail qualifier criteria;
determining, by the computer system, a processing schedule of available sorting equipment and personnel for processing the
mailing data to create the multiple mailing pieces,

wherein the processing schedule includes an order of processing the mailing pieces, volume of mailing pieces to be processed
by each of the sorting equipment and personnel, and an estimated time of completion of each sorting;

simulating, by the computer system and using a simulation module, the processing of the multiple mailing pieces using the
processing schedule;

adjusting, by the computer system, the processing schedule based on the simulating the processing of the multiple mailing
pieces to create an adjusted processing schedule;

generating, by the computer system, a trigger file containing a plurality of processing jobs that identify workstations with
workstation addresses,

generating, by the computer system, a print file based on the trigger file and print information from the external source,
wherein the print file contains the plurality of processing jobs,
wherein the plurality of processing jobs include an identifier of a workstation to be used to print a first mailing piece
of the multiple mailing pieces, an identifier of a workstation to be used to kit the first mailing piece, an identifier of
a workstation to be used to insert the first mailing piece into appropriate packaging, an identifier of a workstation to be
used to pre-sort the multiple mailing pieces, data for a workstation to process the first mailing piece, and the process scheduling,

generating, by the computer system, an entry file based on the print file,
wherein the entry file includes information related to the multiple mailing pieces,
wherein the information related to the multiple mailing pieces includes a recipient of the first mailing piece, type of the
first mailing piece, a payment amount for a credit card statement, and date of generating the first mailing piece;

dynamically sorting, by the computer system and during a processing job, the mailing data into the plurality of processing
jobs, wherein each of the plurality of processing jobs comprises a subset of the mailing data;

removing, by the computer system and prior to printing the multiple mailing pieces, a zipcode subset of the multiple mailing
pieces, wherein the subset of the multiple mailing pieces include certain zipcodes;

dynamically adjusting, by the computer system using a dynamic adjustment module and during the processing job, the product
type groupings and mail qualifier criteria, based on downtime of the workstation and the personnel;

prioritizing, by the computer system and for the processing job, a quick subset of the multiple mailing pieces, wherein the
quick subset includes mailing pieces associated with customers having a history of quick payment;

deprioritizing, by the computer system and for the processing job, a slow subset of multiple mailing pieces, wherein the slow
subset includes mailing pieces associated with customers having a history of slow payment;

assembling, by the computer system, machine readable instructions for each of the plurality of processing jobs, the adjusted
processing schedule and the print file; and

transmitting, by the computer system and via a local area network, the machine readable instructions to the workstations such
that the machine readable instructions control sorting devices and mailing devices,

wherein the transmitting is based upon the workstation addresses and workstation destination schedules.

US Pat. No. 9,712,552

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR COLLECTING AND REPORTING SENSOR DATA IN A COMMUNICATION NETWORK

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
transmitting, to a trust mediator over a communication network, first sensor data from a first sensor on a mobile device;
receiving, from the trust mediator and in response to the transmitting, a data reporting instruction that identifies a second
sensor on the mobile device and a data reporting technique,

wherein the second sensor is not the first sensor,
wherein the data reporting instruction is based at least in part on an identified risk associated with the first sensor, wherein
the identified risk is based on the first sensor data;

obtaining second sensor data from the second sensor; and
transmitting the second sensor data to the trust mediator over the communication network based on the data reporting technique.

US Pat. No. 9,665,869

SYSTEMS AND METHODS FOR ENHANCED AUTHORIZATION FRAUD MITIGATION

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
creating, by a computer-based system, a pseudo authorization message in a first electronic data packet associated with a transaction,
wherein the transaction includes enhanced authorization data associated with purchase information;
storing, by the computer-based system, the pseudo authorization message in a database,
wherein the storing includes storing using a binary large object method to store different pseudo authorization messages from
different owners with different formats as ungrouped data elements via a fixed memory offset;

organizing, by the computer-based system, the database as data tables;
using, by the computer-based system, a key field in the data tables to speed searching;
performing, by the computer-based system, sequential searching through the data tables;
sorting, by the computer-based system, records in data tables to simplify look up;
partitioning, by the computer-based system and using the key field, the database according to a high-level class of objects
defined by the key field;

designating, by the computer-based system, types of data as the key field in a plurality of data tables;
linking, by the computer-based system, the data tables on the basis of the types of data designated as the key field;
tuning, by the computer-based system, the database to optimize database performance,
wherein the tuning includes placing frequently used files on separate file systems to reduce in and out bottlenecks;
obtaining, by the computer-based system, the pseudo authorization message from the frequently used files;
establishing, by the computer-based system and using an application programming interface, first communication protocols in
a first communication channel between programs of a merchant server and programs of the computer-based system;

transmitting, by the computer-based system and using the first communication protocols, the purchase information to the merchant
server via the first communication channel,

wherein the merchant server, using the application programming interface, establishes third communication protocols between
programs of the merchant server and programs of an authorizing entity system;

wherein the merchant server creates a second electronic data packet, using the third communication protocols, with an authorization
request associated with the transaction, and

wherein the merchant server transmits, using the third communication protocols, the authorization request in the second electronic
data packet to the authorizing entity system; and

establishing, by the computer-based system and using the application programming interface, second communication protocols
in a second communication channel between programs of the authorizing entity system and programs of the computer-based system;

transmitting, by the computer-based system and via a web acceleration server using the application program interface and using
the second communication protocols, the pseudo authorization message to the authorizing entity system via the second communication
channel,

wherein the web acceleration server caches a website of the merchant server,
wherein the pseudo authorization message bypasses the merchant server, and
wherein the authorizing entity system determines that the pseudo authorization message was received within a specified time
of the authorization request.

US Pat. No. 9,665,874

SYSTEMS AND METHODS FOR TAILORING MARKETING

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
determining, by a tailoring marketing computer-based system, that a consumer is eligible to receive an offer, wherein the
consumer is not eligible in response to the consumer having a transaction account affiliated with a first merchant and the
offer is offered by a second merchant, wherein the second merchant is a competitor of the first merchant;

determining, by the computer-based system and in response to the consumer being eligible, a consumer relevance value associated
with the offer based upon content of the offer, an industry of the offer, a consumer profile, a transaction history associated
with the consumer, social data, demographic data, clickstream data, consumer feedback data, a collaborative filtering algorithm
and a plurality of offer to offer similarity values, wherein the offer to offer similarity value is based on pairings of offers
at least one of occurring most often or are most strongly correlated, wherein the offer to offer similarity value is determined
based on at least one of a co-occurrence method or a cosine method, wherein the offer to offer similarity value is between
a plurality of merchants, wherein the offer to offer similarity value is determined by comparing record of charges (ROCS)
of a plurality of consumers at the plurality of merchants, and wherein the consumer relevance value is determined for the
consumer;

storing, by the computer-based system, data sets of the consumer relevance value in a database as ungrouped data elements
formatted as a block of binary (BLOB) via a fixed memory offset;

partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by
the key field to speed searching for the consumer relevance value;

linking, by the computer-based system, data tables based on the type of data in the key fields;
annotating, by the computer-based system, the data sets to include security information establishing access levels;
obtaining, by the computer-based system, the consumer relevance value from the database;
generating, by the computer-based system and using the consumer relevance value, an offer matrix having coefficients indicating
that the offers are associated, wherein each of the coefficients of the offer matrix comprises a record associated with one
or more offers;

adjusting, by the computer-based system, the consumer relevance value based on the coefficients, a merchant goal of the first
merchant and a business rule, wherein the merchant goal includes one or more of acquiring only new customers, tailoring existing
customers of the first merchant, and tailoring all consumers, wherein the business rule includes one or more of a holiday,
a particular time of day, a determination that the consumer is traveling based on a consumer device, a determination that
the offer is associated with the first merchant that is a particular distance away from a consumer location, and a consumer
preference not to receive the offer;

associating, by the computer-based system, criteria with the offer for the first merchant;
obtaining, by the computer-based system, social data from a social media website about the first merchant;
comparing, by the computer-based system and based on matching rules, the criteria with the social data from the social media
website about the first merchant to determine a social media association between the criteria for the offer and the social
media data about the first merchant, wherein the offer is for use at the first merchant;

providing, by the computer-based system, a higher ranking for the offer based on the social media association and the consumer
relevance value;

more prominently displaying, by the computer-based system, the offer based on the social media association and the consumer
relevance value;

associating, by the computer-based system, a merchant identifier with the consumer relevance value;
ranking, by the computer-based system, the offer among a plurality of offers, wherein the consumer relevance value for each
of the plurality of offers is unique for the consumer, and

transmitting, by the computer-based system and in response to the ranking, a first ranked list of the plurality of offers
to the consumer device;

monitoring, by the computer-based system, real time transaction information associated with the consumer;
receiving, by the computer-based system, a request for the plurality of offers from the consumer device;
adjusting, by the computer-based system, the consumer relevance value of the offer based on the real time transaction information
and in response to the request for the recommendation;

re-ranking, by the computer-based system, the first ranked list based on the real time transaction information to create a
second ranked list of the plurality of offers; and

transmitting, by the computer-based system, the second ranked list in real time and in response to the request for the recommendation.

US Pat. No. 9,589,271

SYSTEMS AND METHODS FOR DETERMINING AD IMPRESSION UTILITY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
selecting, by a processor of an electronic ad impression network, a target consumer for an ad impression,
wherein the target consumer is selected from among a target consumer set derived by the electronic ad impression network from
a transaction system network,

wherein the target consumer set and the ad impression are placed on separate file systems, and
wherein in/out (“I/O”) bottlenecks are reduced such that the efficiency of the electronic ad impression network is improved;
delivering, by the processor, the ad impression comprising an electronic advertisement to a smartphone of the target consumer,
wherein the delivering comprises:

selecting a format element to incorporate into the ad impression based on element effectiveness data,
selecting a design element to incorporate into the ad impression based on the element effectiveness data, and
selecting a content element to incorporate into the ad impression based on the element effectiveness data,
wherein the format element, the design element, and the content element are components of an ad impression strength,
wherein the element effectiveness data indicates that the element is associated with enhanced ad impression effectiveness
among the target consumer set;

selecting a selected time to deliver the ad impression;
selecting a selected delivery method of the ad impression;
determining, by the processor, a behavior of the target consumer after a time period elapses,
wherein the determining comprises analyzing internal data comprising at least one of a key field partition or a BLOB and relating
to the target consumer,

wherein the internal data relates to the target consumer of the target consumer set according to at least one of the key field
partition or an annotation indicator of the BLOB,

wherein the analyzing comprises:
identifying an association between the internal data and the behavior of the target consumer, wherein the identifying comprises
identifying a travel destination associated with the ad impression and identifying a transaction in the internal data occurring
at the destination,

wherein the identifying further comprises at least one of:
estimating a price of the product associated with the ad impression and identifying a transaction in the internal data having
a similar price; or

matching a SKU associated with the ad impression and identifying a transaction in the internal data having a similar SKU;
determining whether the internal data indicates that the target consumer consumed at the destination a particular media format
associated with the ad impression;

determining element target effectiveness data,
wherein the element target effectiveness data indicates that the selected delivery method is associated with enhanced ad impression
effectiveness among the target consumer set, and

determining element viewership effectiveness data,
wherein the element viewership effectiveness data indicates that the target consumer set is likely to view the ad impression
in response to being delivered by the selected time to deliver,

comparing the behavior of the target consumer to a control consumer;
evaluating, by the processor, the ad impression effectiveness in response to the selected time to deliver the ad impression;
and

evaluating, by the processor, the ad impression effectiveness in response to the selected delivery method of the ad impression.

US Pat. No. 9,558,505

SYSTEM AND METHOD FOR PREPAID REWARDS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
linking, by a computer based system, a prepaid transaction account with a rewards program;
linking, by the computer based system, a transaction account of a user with the rewards program,
providing, by the computer based system, notifications of offers for the prepaid transaction account and rewards earned on
a transaction account through a social networking channel corresponding to a social network account profile;

associating, by the computer based system, a rewards program identifier with the prepaid transaction account and the transaction
account in response to the linking at least one of the transaction account or the prepaid transaction account with the rewards
program;

selecting, by the computer based system, the transaction account to receive rewards for transactions initiated by the prepaid
transaction account that are eligible for the rewards, in response to the linking at least one of the transaction account
or the prepaid transaction account with the rewards program,

wherein the rewards are credited to the transaction account based on the rewards program identifier being associated with
the transaction account and the prepaid transaction account;

linking, by the computer based system, the prepaid transaction account with the transaction account to accrue rewards on the
transaction account earned using the prepaid transaction account;

monitoring, by the computer based system and in response to the linking to accrue the rewards, transaction information from
the prepaid transaction account;

identifying, by the computer based system and in response to the monitoring, the transaction information from the prepaid
transaction account for a transaction;

receiving, by the computer based system and from a merchant, an authorization request for the transaction including the transaction
information, wherein the transaction was initiated with the prepaid transaction account;

determining, by the computer based system and in response to the receiving the authorization request, an offer of a plurality
of offers for the prepaid transaction account based on the monitoring the transaction information associated with the prepaid
transaction account, wherein the offer applies to the transaction;

determining, by the computer based system, that the transaction information satisfies a rule associated with the offer, wherein
the offer is associated with the rewards program;

selecting, by the computer based system, the offer based on the transaction information satisfying the rule;
linking, by the computer based system and in response to the selecting, the offer with the rewards program identifier;
associating, by the computer based system and in response to the linking the offer, the offer with the transaction account
based on the rewards program identifier;

authorizing, by the computer based system, the transaction based on the transaction information received from the merchant;
transmitting, by the computer based system contemporaneously and in response to the receiving the transaction information,
offer notification instructions for the offer to the social network associated with the social network account profile; and

crediting, by the computer based system, a discount associated with the offer to the transaction.

US Pat. No. 9,514,484

MARKETING CAMPAIGN APPLICATION FOR MULTIPLE ELECTRONIC DISTRIBUTION CHANNELS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
presenting, by a computer-based system, a marketing campaign application via a graphical user interface, the marketing campaign
application configured to present a plurality of selectable social media channels;

receiving, by the computer-based system and via the marketing campaign application, a selection of a first social media channel;
requesting, by the computer-based system and by the merchant campaign application, first authentication information for the
first social media channel;

linking, by the computer-based system, the first social media channel with the merchant campaign application;
linking, by the computer based system, a second social media channel with the merchant campaign application in response to
the receiving the selection of the second social media channel and second authentication information,

receiving, by the computer-based system, offer parameters for generating an offer associated with a merchant;
storing, by the computer-based system, data sets of the offer parameters in a database as ungrouped data elements formatted
as a block of binary (BLOB) via a fixed memory offset;

partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by
the key field to speed searching for the offer parameters;

linking, by the computer-based system, data tables based on the type of data in the key fields;
annotating, by the computer-based system, the data sets to include security information establishing access levels;
obtaining, by the computer-based system, the offer parameters from the database;
generating, by the computer-based system, an offer based on the offer parameters and merchant transaction data;
creating, by the computer-based system, an opt-in criteria for the offer based on the first social media channel;
formatting, by the computer-based system, the offer for distribution through the first social media channel based on a first
formatting protocol for the first social media channel;

wherein the first formatting protocol is customized for and defined by parameters of the first social media channel, and
wherein the offer includes the opt-in criteria as a point of interaction with the offer;
formatting, by the computer-based system, the offer for distribution through the second social media channel based on a second
formatting protocol for the second social media channel;

wherein the second formatting protocol is customized for and defined by parameters of the second social media channel;
obtaining, by the computer-based system, transaction data of one or more transactions at the merchant from a third-party institution,
wherein the transaction data corresponds to account holder data;

comparing, by the computer-based system, the one or more transactions with a criterion governing the offer;
generating, by the computer-based system, a first report based on the one or more transactions and account holder data for
the first social media channel; and

generating, by the computer-based system, a second report based on the one or more transactions and the account holder data
for the second social media channel.

US Pat. No. 10,055,444

SYSTEMS AND METHODS FOR ACCESS CONTROL OVER CHANGING BIG DATA STRUCTURES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:adding, by a processor, at least one of a row or a column to a data table;
updating, by the processor, an access permission based on content of at least one of the row or the column added to the data table;
receiving, by the processor, a query configured to access the column in the data table;
detecting, by the processor, a language type of the query;
converting, by the processor using a query interpreter, the query from the language type to a second language type supported by a unified data generation;
validating, by the processor, the query against a syntax of the second language type;
generating, by the processor using the unified data generation, a result set for the query that is compliant with an access permission,
wherein the access permission includes at least one of row-level permissions, column-level permissions, table-level permissions, file-level permissions or data-type-level permissions;
validating, by the processor, the access permission for data in the data table, wherein the access permission is stored in a permissions database;
generating, by the processor, a temporary table including the column, wherein the temporary table is configured to support the second language type; and
executing, by the processor, the query against the temporary table to generate a query result.

US Pat. No. 10,055,728

FORM FACTOR WITH AN ALIAS CODE AND A SECURE CHIP ID

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:pairing, by a native application on a form factor, with an app;
reading, by the native application, a secure chip identifier (ID) of a secure chip from a memory of the form factor; and
passively transmitting, by the native application, the secure chip ID to the app,
wherein an alias code is pre-provisioned onto the secure chip of the form factor,
wherein the app stores the secure chip ID,
wherein a transaction account issuer obtains the secure chip ID from the app,
wherein the transaction account issuer received an association between the secure chip ID and the alias code,
wherein the transaction account issuer uses the association to obtain the alias code from the secure chip ID, and
wherein the transaction account issuer links a transaction account with the alias code associated with the secure chip ID.

US Pat. No. 9,846,869

SECURE GOVERNMENT TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
receiving, by a computer-based system, an authorization request from a department of defense point of sale for a transaction,
wherein the authorization request is associated with a transaction account, wherein the transaction account is associated
with a transaction account number and a transaction instrument comprising a department of defense identification code, wherein
the authorization request includes the transaction account number,

transmitting, by the department of defense point of sale, the department of defense identification code to a department of
defense datacenter,

verifying, by the department of defense datacenter, the department of defense identification code;
receiving, by the computer-based system, the verification of the department of defense identification code from the department
of defense datacenter;

matching, by the computer-based system, the verification with the authorization request; and
transmitting, by the computer-based system, an authorization response to the department of defense point of sale.

US Pat. No. 9,760,816

METAL-CONTAINING TRANSACTION CARDS AND METHODS OF MAKING THE SAME

AMERICAN EXPRESS TRAVEL R...

1. A transaction card comprising:
a card body comprising a metallic material, the card body including a primary surface, a secondary surface, an aperture and
a slit,

wherein the primary surface and the secondary surface are coated with a diamond like carbon (DLC) coating,
wherein the card body comprises a shallow pocket on the secondary surface, the shallow pocket encompassing the aperture,
wherein the slit extends from the aperture to an exterior edge of the card body, and
a fill panel disposed in the shallow pocket, wherein the fill panel comprises at least one of zirconium oxide, zirconium dioxide,
boron carbide, or silicon carbide.

US Pat. No. 9,760,895

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system and from a consumer, direct data indicating an interest in receiving tailored content
from a type of merchant;

receiving, by the computer-based system, indirect data comprising a geographic location of the consumer,
wherein the geographic location of the consumer is received after a period of time has elapsed to protect the privacy of the
consumer since the consumer occupied the geographic location;

aggregating, by the computer-based system, an anonymous consumer profile based upon the direct data, indirect data and transaction
history,

wherein the anonymous consumer profile is lacking information that enables a merchant to identify the consumer,
wherein the merchant is the type of merchant,
wherein the merchant is associated with the tailored content;
comparing, by the computer-based system, content to the anonymous consumer profile;
identifying, by the computer-based system, the tailored content from the merchant based on the comparing;
providing, by the computer-based system, the tailored content to the consumer; and
receiving, by the computer-based system, an acceptance or rejection of the tailored content.

US Pat. No. 9,756,339

OPTIMIZING IMAGE COMPRESSION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a mobile device, an optimal file size for an image based on at least one of a connection bandwidth or a connection
latency between the mobile device and a server;

compressing, by the mobile device, the image into a compressed image using recursive compression that stops in response to
a compressed file size of the compressed image being less than or equal to the optimal file size,

wherein the compressed image is configured for display on the mobile device; and
transmitting, by the mobile device, the compressed image to the server for storage at an address,
wherein the compressed image is configured to be downloaded from the server by using the address,
wherein the server is configured to return the address to the mobile device.

US Pat. No. 9,658,998

SYSTEMS AND METHODS FOR INTERNATIONALIZATION AND LOCALIZATION

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
determining, by a computer-based system, a first language for a display;
transmitting, by the computer-based system and to a web client, webpage content for a first webpage in a neutral format;
transmitting, by the computer-based system and to the web client, a transformation application,
wherein the transformation application is configured to process the webpage content for the first webpage on the web client;
transmitting, by the computer-based system and to the web client, a first language template file corresponding to the first
language,

wherein the first language template file comprises static HTML,
wherein the web client loads the first language template file into an inline frame of a web browser, and
wherein the transformation application translates the webpage content for the first webpage from the neutral format into the
first language at the web client by referring to the first language template file in the inline frame;

transmitting, by the computer-based system, to the web client and in response to a request from the transformation application,
client information,

wherein the transformation application translates the client information from the neutral format into the first language at
the web client by referring to the first language template file;

transmitting, by the computer-based system and in response to a request for webpage content for a second webpage, the webpage
content for the second webpage to the web client in the neutral format,

wherein the transformation application translates the webpage content for the second webpage from the neutral format into
the first language at the web client by referring to the first language template file;

wherein the web client displays the webpage content for the second webpage in the first language;
receiving, by the computer-based system, a request to display the webpage content for the second webpage in a second language;
and

transmitting, by the computer-based system, a second language template file to the web client,
wherein the web client translates the webpage content for the second webpage from the neutral format into the second language
at the web client by referring to the second language template file,

wherein the web client displays the webpage content for the second webpage in the second language.

US Pat. No. 9,684,869

INFRASTRUCTURE AND ARCHITECTURE FOR DEVELOPMENT AND EXECUTION OF PREDICTIVE MODELS

American Express Travel R...

1. A system comprising:
a processor;
a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions
stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

converting, by the processor using an extraction tool having a processing Structured Query Language (SQL) macro, Structured
Query Language (SQL) variables to Statistical Analysis System (SAS) variables with standardized and consistent Statistical
Analysis System (SAS) variable names in SAS flat files on a data management server;

extracting, by the processor, data from the SAS flat files on the data management server based at least in part on contents
of customer files respectively associated with customers, wherein the data comprises customer variables,

analyzing, by the processor, the customer variables in the customer files to determine trends in customer behavior;
determining, by the processor, the customer variables to use in a plurality of models, wherein the customer variables referenced
in a variable file are determined by the plurality of models that use a particular variable;

determining, by the processor, model logic based on the customer variables and the trends in customer behavior;
enabling, by the processor, creation of the plurality of models based on the model logic; and
delivering, by the processor, the data directly to the plurality of models.

US Pat. No. 9,665,879

LOYALTY INCENTIVE PROGRAM USING TRANSACTION CARDS

AMERICAN EXPRESS TRAVEL R...

21. A system comprising:
a processor;
a tangible network interface communicating with a tangible, non-transitory memory;
the tangible, non-transitory memory communicating with the processor; and
the processor, when executing a computer program, is capable of performing operations comprising:
generating, by a reward card engine in communication with the processor, a registration identifier for a first transaction
account and a second transaction account;

associating, by the reward card engine in communication with the processor, the registration identifier with the first transaction
account and the second transaction account,

wherein the first transaction account is associated with a reward program on a reward system, in response receiving first
transaction account identifying information by the processor and the first transaction account satisfying eligibility criteria,

wherein the second transaction account is associated with the reward program, in response receiving second transaction account
identifying information by the processor and the second transaction account satisfying eligibility criteria, and

wherein the registration identifier indicates that each of the first transaction account and the second transaction account
are associated with the reward program;

receiving, by an offer registration system in communication with the processor, offer information and merchant information
from a merchant system,

wherein the offer information is stored in an offer database and the merchant information is stored in a merchant database;
creating, by the offer registration system in communication with the processor, an offer with the offer information and the
merchant information,

associating, by the processor, the first transaction account and the second transaction account with an offer distribution
engine,

wherein the offer distribution engine is capable of accessing and distributing offers stored in the offer database;
selecting, by the processor, a subset of the offers that meet offer parameters for the first transaction account and the second
transaction account;

authorizing, by an authorization server in communication with the processor, a transaction with the merchant system in response
to an account affiliate initiating the transaction with the merchant system using at least one of the first transaction account
or the second transaction account;

wherein the authorization is based on a first amount of available credit associated with the at least one of the first transaction
account or the second transaction account;

receiving, by the processor and in response to the authorizing, the registration identifier and transaction information for
the transaction from the merchant system for the transaction between the merchant system and the account affiliate;

determining, by the processor, that the transaction is associated with at least one of the first transaction account or the
second transaction account based on the registration identifier and the transaction information;

reducing, by the processor, the first amount of available credit for at least one of the first transaction account or the
second transaction account by a transaction amount included with the authorization;

accessing, by the processor and in response to the authorizing, the subset of offers;
analyzing, by the processor, the transaction information to determine that the transaction qualifies for the offer of the
subset of offers;

selecting, by the processor and in response to the analyzing, the offer;
generating, by the processor, a record of the offer associated with the transaction;
receiving, by the processor, the transaction information for the transaction from the merchant system in response to a settlement
operation for the transaction between the merchant system and a transaction account issuer system;

adjusting, by the processor, the transaction amount associated with at least one of the first transaction account or the second
transaction account based on the offer and the transaction;

adjusting, by the processor, the first amount of available credit for at least one of the first transaction account or the
second transaction account, in response to the adjusting the transaction amount; and

associating, by the processor, the record of the offer with at least one of the first transaction account or the second transaction
account in response to the transaction.

US Pat. No. 9,665,880

LOYALTY INCENTIVE PROGRAM USING TRANSACTION CARDS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
associating, by a reward card engine of a computer based system, a registration identifier with a transaction account,
wherein the transaction account is associated with a rewards program based on transaction account identifying information
and the transaction account satisfying eligibility criteria, and

wherein the registration identifier indicates that the transaction account is associated with the rewards program;
creating, by an offer registration system of the computer based system, active offers in response to receiving offer parameters
and merchant information from one or more merchants,

wherein the active offers and the offer parameters are stored in an offer database;
associating, by the offer registration system of the computer based system, the active offers with the transaction account,
wherein the active offers are associated with the transaction account based on the offer parameters;
receiving, by the computer based system, transaction information for a transaction at the merchant;
determining, by the computer based system, that the transaction information is associated with the registration identifier;
determining, by the computer based system, that the transaction is associated with the transaction account and the rewards
program based on the registration identifier and the transaction information;

authorizing, by the computer based system, the transaction with the merchant,
wherein the authorization is based on an amount of available credit associated with the transaction account;
reducing, by the computer based system, the amount of available credit for the transaction account by a transaction amount
included with the authorization;

receiving, by the computer based system, the transaction information for the transaction from the merchant as part of a settlement
operation for the transaction between the merchant and a transaction account issuer;

determining, by the computer based system, the merchant from which the transaction was initiated;
generating, by the computer based system and in response to the settlement operation, a list of the one or more merchants
with the active offers which is a subset of the active offers from the one or more merchants;

analyzing, by the computer based system, the merchant against the list of the one or more merchants with the active offers;
analyzing, by the computer based system, the transaction information to determine that the transaction satisfies the offer
parameters for an offer,

wherein the offer is one of the active offers;
selecting, by the computer based system and in response to the satisfying, the offer;
linking, by the computer based system and in response to the selecting, the offer with the registration identifier;
associating, by the computer based system and in response to the linking with the registration identifier, the offer with
the transaction account based on the registration identifier;

determining, by the computer based system, an amount of a reward based on the offer parameters; and
crediting, by the computer based system, the amount of the reward to the transaction account in response to the transaction
information satisfying transaction criteria.

US Pat. No. 9,633,362

SYSTEM AND METHOD FOR CREATING RESERVATIONS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
presenting, by a computer based system, a plurality of selectable channels to a user system of a user;
syncing, by the computer based system, a financial transaction account associated with the user with one or more channels
of the plurality of selectable channels selected by the user,

wherein the syncing is in response to the user system providing an account code for the financial transaction account to the
computer based system;

receiving, by the computer based system and from the channel, reservation information representative of a reservation of an
item from a merchant system;

associating, by the computer based system and in response to the receiving, a unique identifier with the reservation information;
enabling, by the computer based system and in response to the associating, access to the reservation information by using
the unique identifier,

wherein the reservation information is accessible by a user system, the computer based system, the channel and a third party
by using the unique identifier;

synching, by the computer based system and in response to the receiving, the reservation information with the financial transaction
account,

wherein the reservation is created in the channel based on an action in the channel, and
wherein a channel profile associated with the action is associated with the financial transaction account;
creating, by the computer based system, reservation instructions for the item that indicate that the item is reserved as a
reserved item for the user associated with the channel profile and the financial transaction account,

wherein the reservation instructions indicate that the item is unavailable to other users, and
wherein the channel modifies a listing of inventory to show that the item is unavailable; monitoring, by the computer based
system and via the channel, a status of the reserved item;

receiving, by the computer based system and in response to an indication that the reserved item was used, purchase instructions
with a request to initiate a payment within the channel,

wherein the purchase instructions and the request to initiate payment is provided by the merchant system through the channel
and to the computer based system,

generating, by the computer based system, release instructions for the item in response to the receiving the request to initiate
the payment,

wherein the channel modifies the listing of inventory to show that the item is available;
evaluating, by the computer based system, the purchase instructions received through the channel, the request to initiate
payment received through the channel, the financial transaction account synched with the channel and the reservation instructions
received through the channel;

confirming, by the computer based system and based on the evaluating, that the purchase instructions comply with the reservation
instructions;

requesting, by the computer based system, a review of the reserved item;
confirming, by the computer based system and in response to the requesting, that the reserved item conforms to the reservation
information and the financial transaction account;

initiating, by the computer based system and based on the confirming that the purchase instructions comply and based on the
confirming that the reserved item conforms, a financial transaction in response to the indication that the reserved item has
been used and the receiving the financial transaction information.

US Pat. No. 9,501,788

IDENTIFYING AND DELIVERING TAILORED CONTENT WITH GIFT OPTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
analyzing, by a computer-based system, a consumer profile to determine consumer preferences;
wherein the consumer preferences are ranked based upon spending amount, frequency of a behavior and a weighting factor;
determining, by the computer-based system, tailored content based upon at least one of a consumer request, obtained content,
the consumer profile, a consumer pattern, the consumer preferences, or content metadata;

embedding, by the computer-based system, at least one of a hyperlink or a uniform resource locator (URL) for each of tailored
options of tailored content, the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website
associated with the respective tailored option,

communicating, by the computer-based system, the tailored options associated with merchants to the consumer,
receiving, by the computer-based system, a selection from the tailored options;
offering, by the computer-based system, gift options associated with an event related to the selection; and
receiving, by the computer-based system, a payment request to pay for one or more of the gift options.

US Pat. No. 10,332,115

SYSTEMS AND METHODS FOR PROCESSING METADATA STATEMENTS IN PAYMENT FLOWS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a computer system and from a client device of a user, an authorization request for a financial transaction using a financial transaction authorization protocol,
wherein the authorization request includes a financial transaction amount, and
wherein the authorization request is associated with a financial transaction account;
transmitting, by the computer system and using the financial transaction authorization protocol, an authentication request to authenticate the user associated with the financial transaction account;
receiving, by the computer system using the financial transaction authorization protocol and from an authenticator server, an authentication message lacking biometric data that is retained at the authenticator server,
wherein the authentication message comprises authentication metadata that indicates an authentication type, statistics with rates about an authentication technique and an authentication outcome conducted by the authenticator server, and
wherein the authentication type includes a biometric authentication of biometric data; and
determining, by the computer system and based on the authentication message, a result of the authorization request for the financial transaction.

US Pat. No. 10,057,253

CLOAKED DATA SYSTEM

AMERICAN EXPRESS TRAVEL R...

1. A cloaked data system comprising:a cloak database comprising a table of data and metadata comprising a schema of the table of data;
a cluster edge node comprising a Hadoop framework, wherein the cluster edge node allows access to at least a portion of the table of data;
a Hadoop cluster node configured to selectively decrypt the at least a portion of the table of data;
wherein the Hadoop cluster node comprises a cloak cryptography service such that the at least a portion of the table of data may be selectively retrieved and decrypted, and
wherein the cloak cryptography service comprises: a cloak request handler, a cloak authenticator, a cloak reader, and a cloak authorizer; and
a cloak key database comprising an encryption key corresponding to the table of data.

US Pat. No. 10,055,471

INTEGRATED BIG DATA INTERFACE FOR MULTIPLE STORAGE TYPES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:storing, by a data management system, a plurality of first records in a first data storage format optimized for a first access type, wherein the plurality of first records comprises a first variable, wherein the first variable identifies a data field of the plurality of first records;
storing, by the data management system, a plurality of second records in a second data storage format optimized for a second access type, wherein the plurality of second records comprises a second variable, wherein the second variable identifies a data field of the plurality of second records, wherein the first data storage format comprises a different data structure than the second data storage format;
generating, by the data management system, a catalog including a first location of the first variable and a second location of the second variable, wherein the first location identifies the first data storage format, wherein the second location identifies the second data storage format, wherein the catalog is maintained by a unified virtualized database layer;
receiving, by the data management system, a standard query including uniform query language and a request to access at least one of the first variable or the second variable, wherein the request lacks the first data storage format and the second data storage format;
identifying, by the data management system and via the unified virtualized database layer, at least one of the first variable or the second variable;
analyzing, by the data management system and via the unified virtualized database layer, the catalog to determine at least one of the first location of the first variable or the second location of the second variable;
obtaining, by the data management system, at least one of the first data storage format and a first identifier for the first variable from the first location or the second data storage format and a second identifier for the second variable from the second location; and
accessing, by the data management system, at least one of the first variable from the first location or the second variable from the second location, in response to the receiving the request for at least one of the first variable or the second variable.

US Pat. No. 9,934,517

SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a payment processor, a trigger that a transaction account holder conducted an interaction with a social media channel;
receiving, by the payment processor, an authorization trigger that the transaction account holder used a transaction account to interface with a point of sale terminal to conduct a purchase transaction based on input from an authorization system;
notifying, by the payment processor, an employer of the transaction account holder about the use of the transaction account;
applying, by the payment processor and in response to the receiving the first trigger and the authorization trigger, a business rule to the interaction and the purchase transaction;
supplementing, by the payment processor and in response to the applying, profile information of the transaction account holder based on the interaction and the purchase transaction;
transmitting, by the payment processor and in near real time and in response to the supplementing, to a web-client associated with the transaction account holder a list of information available for selection by the transaction account holder, in response to the interaction and the purchase transaction of the transaction account holder;
transmitting, by the payment processor and in near real time and to the web-client associated with the transaction account holder, transaction information associated with the transaction account holder, in response to the interaction and the purchase transaction of the transaction account holder, wherein the transaction information includes a record of a transaction request for the purchase transaction, a transaction account balance, and a list of recent transactions;
determining, by the payment processor and in response to the selection, that the transaction account holder is a first time customer of a merchant or an existing customer of the merchant;
determining, by the payment processor and in response to being an existing customer of the merchant, a number of times the transaction account holder visited the merchant;
supplementing, by the payment processor, the profile information of the transaction account holder based on the determining, with the transaction information, with the number of times the transaction account holder visited the merchant, and with other social media profile information, based on the selections from the list of information and based on purchase data associated with the transaction account holder;
removing, by the payment processor, a subset of the profile information to create an anonymized profile;
providing, by the payment processor and in response to the removing, the anonymized profile to a merchant system of the merchant;
receiving, by the payment processor and from the merchant system and in response to the providing, a plurality of offers tailored to the transaction account holder based on the anonymized profile;
determining, by the payment processor and based on the business rule, a subset of the plurality of offers for which the transaction account holder is eligible;
transmitting, by the payment processor and in response to the triggers, the subset of offers to the web-client of the transaction account holder;
receiving, by the payment processor and from the web-client, a selection of an offer from the subset of offers;
receiving, by the payment processor and in response to the transmitting the offer, a redemption of the offer from the transaction account holder in response to a transaction; and
transmitting, by the payment processor and to the web-client and in response to receiving the redemption, an option to conduct at least a portion of the transaction using reward points.

US Pat. No. 9,881,309

SYSTEMS AND METHODS FOR TAILORING MARKETING

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
creating, by a computer-based system and via an offer creation interface, a first offer for a first social media channel based
on a first merchant rule of a merchant to award existing loyal customers, wherein the first offer is formatted for delivery
in the first social media channel;

restricting, by the computer-based system and based on the creating, the first offer by removing offer data disfavored by
a consumer;

associating, by the computer-based system and in response to the restricting the first offer, a delivery timeframe for the
first offer in the first social media channel based on a preference defined by the merchant having a merchant system;

creating, by the computer-based system and via the offer creation interface, a second offer for a second social media channel
based on a second merchant rule of the merchant to acquire new customers, wherein the second offer is formatted for delivery
in the second social media channel;

restricting, by the computer-based system and based on the creating, the second offer by removing offer data disfavored by
a consumer;

linking, by the computer-based system and in response to the restricting the second offer, a first social media profile to
a transaction account profile, wherein the first social media profile is associated with the first social media channel;

linking, by the computer-based system and in response to the linking the first social media profile, a second social media
profile to a transaction account profile, wherein the second social media profile is associated with the second social media
channel;

determining, by the computer-based system and based on social data and in reply to the linking, how to display at least one
of the first offer or the second offer to the consumer, wherein the determining comprises:

including criteria with the first offer, wherein the criteria includes keywords and metadata;
capturing social data about the merchant from the first social media channel via an API interfacing with the social media
channel;

comparing, by the computer-based system and based on matching rules, the criteria with the social data from the social media
channel about the merchant to determine a social media association between the criteria for the first offer and the social
media data about the merchant, wherein the first offer is for use at the merchant;

increasing the rank of the first offer based on the extent of the association of the social data to the criteria;
more prominently displaying the first offer based on the increased rank of the first offer;
determining, by the computer-based system and based on a collaborative filtering algorithm, a consumer relevance value associated
with the at least one of the first offer or the second offer,

wherein the collaborative filtering algorithm identifies offers that are relevant to one or more of the consumers,
wherein the consumer relevance value indicates the relevance of the first offer to the consumer,
wherein the consumer relevance value is based upon a plurality of offer to offer similarity values, content of the offer,
an industry of the offer, a consumer profile, a transaction history associated with the consumer, social data, demographic
data, clickstream data, and consumer feedback data,

wherein the offer to offer similarity value is based on pairings of offers at least one of occurring most often or are most
strongly correlated,

wherein the offer to offer similarity value is determined based on at least one of a co-occurrence method or a cosine method,
wherein the offer to offer similarity value is between a plurality of merchants,
wherein the offer to offer similarity value is determined by comparing record of charges (ROCs) of a plurality of consumers
at the plurality of merchants,

wherein merchant activity information corresponds to the merchant;
generating, by the computer-based system and using the consumer relevance value, an offer matrix having coefficients indicating
that the offers are associated,

wherein each of the coefficients of the offer matrix comprises a record associated with one or more offers;
monitoring, by the computer-based system with a real time system and based on the determining, real time information about
the consumer via global positioning system data from a web client of the consumer;

analyzing, by the computer-based system and with the real time system and based on the monitoring, the offer parameters, the
delivery time frame, the offer to offer similarity value, the offer matrix and the real time information about the consumer;

adjusting, by the computer-based system and in response to the analyzing, the consumer relevance value based on and in response
to the analyzing the offer parameters, the delivery time frame, the offer to offer similarity value, the offer matrix and
the real time information about the consumer;

adjusting, by the computer-based system and based on the consumer relevance value, the first offer;
transmitting, by the computer-based system and based on the consumer relevance value, at least one of the first offer or the
second offer to at least one of the first social media channel or the second social media channel, wherein the channel is
based on a preference provided by a consumer.

US Pat. No. 9,848,011

SECURITY SAFEGUARD MODIFICATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
generating, by a communication device, a risk variable based on location data associated with the communication device;
transmitting, by the communication device, the location data associated with the communication device to a trust mediator;
receiving, by the communication device from the trust mediator, a determined time interval at which to collect security-related
data for the risk variable;

collecting, by the communication device, the security-related data for the risk variable at the determined time interval to
create collected security-related data;

transmitting, by the communication device to the trust mediator, the collected security-related data;
receiving, by the communication device from the trust mediator, instructions corresponding to a security safeguard modification;
and

modifying, by the communication device, a security safeguard in accordance with the security safeguard modification by executing
the instructions.

US Pat. No. 9,806,964

SYSTEM AND METHOD FOR MONETIZING SWITCHING OF WEB SERVICE MESSAGES

AMERICAN EXPRESS TRAVEL R...

1. A computer-based method comprising:
scrubbing, by a digital network computer, tags of a service call message from the service call message;
wherein the tags include routing attributes of routing the service call message from a service consumer to a service provider,
routing, by the digital network computer and through a second API, the service call message to the service provider based
on the routing attributes of the service call message,

wherein a request for the routing is received via a first API;
receiving, by the digital network computer and via the second API, a response to the routed service call message;
tagging, by the digital network computer, the response to the routed service call message with data indicating privileges
of the service provider to deliver services to the service consumer;

scrubbing, by the digital network computer, the tags of the response to the routed service call message; and
routing, by the digital network computer and through the first API, the response to routed service call message to the service
consumer based on response attributes of the response to the service call message.

US Pat. No. 9,721,274

MODIFYING TAILORED CONTENT BASED UPON A SERVICE DIALOG

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system, tailored content;
embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL), the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the
tailored content;

communicating, by the computer-based system, the tailored content to a web client;
receiving, by the computer-based system, a selection of the tailored content;
facilitating, by the computer-based system, a message based custom service dialog to obtain information related to a custom
service dialog request, and

modifying, by the computer-based system, the tailored content based upon information related to the message based custom service
dialog request and consumer preferences,

wherein the consumer preferences are ranked based on a weighting factor, highest percentage, spending amount, and frequency
of a behavior.

US Pat. No. 9,684,640

METHODS AND APPARATUS FOR PROCESSING MARKUP LANGUAGE DOCUMENTS

American Express Travel R...

1. A method comprising:
creating, by a computer-based system, a linkage data structure corresponding to a second programming language different from
a markup language, wherein the linkage data structure includes a field for each tag in a set of tags associated with the markup
language, wherein the set of tags is retrieved by parsing a document;

generating, by the computer-based system, program code in the second programming language based on the set of tags, wherein
the generating comprises:

creating a procedure division statement in the second programming language;
wherein the procedure division statement is capable of accepting a document written in the markup language,
wherein the document is variable length, and
wherein the procedure division statement is capable of returning a fixed format data structure corresponding to the linkage
data structure,

creating a second programming language section to contain the program code in the second programming language; and
producing, by the procedure division statement and the second programming language section, the program code in the second
programming language,

wherein the program code is configured to extract, from the document written in the markup language, the set of tags associated
with the markup language and at least one attribute associated with each tag;

forming, by the computer-based system, an application programming interface (API) that includes the linkage data structure
and the program code; and

using, by the computer-based system, the application programming interface (API) to pass content from one or more documents
written in the markup language to a program element of a program written in the second programming language.

US Pat. No. 9,501,662

SYSTEM AND METHOD FOR ONLINE DATA PROCESSING

AMERICAN EXPRESS TRAVEL R...

1. A computer implemented method comprising:
generating, by a computer-based system, a card key-code;
associating, by the computer-based system, a first hash code with a first user identification (ID) of a consumer by inserting
the first hash code in the card key-code, wherein the first hash code replaces a card number in the card key-code; and

transmitting, by the computer-based system, transaction data for the first user ID, the first user ID, and the first hash
code to a first service;

wherein the first service stores an association between the transaction data and online data for a browsing history of the
consumer, in response to the first hash code matching a second hash code,

wherein the computer-based system does not have access to the online data,
wherein the online data identifies an abandoned online shopping cart of the consumer.

US Pat. No. 9,847,995

ADAPTIVE POLICIES AND PROTECTIONS FOR SECURING FINANCIAL TRANSACTION DATA AT REST

AMERICAN EXPRESS TRAVEL R...

1. A method for challenge-response authentication, the method comprising: receiving, by a terminal over a communication network,
a plurality of codes and a first arrangement of a plurality of images, each one of the plurality of codes (i) corresponding
to one of the plurality of images and (ii) corresponding to an alphanumeric character of a plurality of alphanumeric characters,
the plurality of codes being distinct from the plurality of alphanumeric characters; displaying the first arrangement of the
plurality of images on a user interface of the terminal; receiving an input through the user interface associated with the
plurality of images the input comprising rearranging locations of the plurality of images on the user interface; ordering
the plurality of codes in a sequence based on the input received through the user interface; and transmitting, by the terminal
over the communication network, the sequence of the plurality of codes, wherein transmitting, by the terminal over the communication
network, a request for a service to a service network; and receiving, by the terminal over the communication network, access
to the service on the service network when an alphanumeric string matches a user identifier, the alphanumeric string being
generated from the plurality of alphanumeric characters based on the sequence of the corresponding the plurality of codes.

US Pat. No. 9,804,956

AUTOMATED TESTING OF WEBPAGES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
identifying, by a computer, a plurality of test scripts in a test suite spreadsheet, wherein the test suite spreadsheet comprises
a list of the plurality of test scripts, wherein each of the plurality of test scripts identifies a different test script
configuration spreadsheet in a plurality of test script configuration spreadsheets;

accessing, by the computer, a test script configuration spreadsheet in the plurality of test script configuration spreadsheets
for a test script in the plurality of test scripts, wherein the test script configuration spreadsheet comprises a plurality
of commands to be executed by the computer for the test script, wherein the test script configuration spreadsheet identifies
a plurality of browsers in which to execute the test script;

launching, by the computer, a browser specified in the test suite spreadsheet for the test script; and
executing, by the computer, the test script in the test suite spreadsheet according to the plurality of commands in the test
script configuration spreadsheet.

US Pat. No. 9,721,245

ALIAS CODE PROVISIONED ONTO A SECURE CHIP

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
pre-provisioning, by a computer based system, an alias code onto a secure chip having a near field communication (NFC) antenna;
transmitting, by the computer based system and in response to the pre-provisioning, an association between a secure chip identifier
(ID) of the secure chip and the alias code to a transaction account issuer; and

storing, by the computer based system, at least one of the secure chip ID or the alias code in a form factor memory,
wherein a native application of the form factor detects and reads the secure chip ID from the form factor memory,
wherein the native application passively transmits at least one of the secure chip ID or the alias code to the transaction
account issuer,

wherein the native application is paired with an app,
wherein the app obtains and stores the secure chip ID off of the form factor, and
wherein the transaction account issuer links a transaction account with the form factor.

US Pat. No. 9,672,526

SYSTEMS AND METHODS FOR TAILORING MARKETING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
counting, by a computer-based system, all transactions by all consumers with a merchant during a number of days;
determining, by the computer-based system, an average transaction count for the merchant for a single day;
determining, by the computer-based system, a maximum transaction count of the merchant during any one of the number of days;
determining, by the computer-based system, a normalized popularity score for the merchant which is a quotient of the average
transaction count over the maximum transaction count, wherein the normalized popularity score normalizes a popularity score
among merchants with a larger number of transactions and merchants with a smaller number of transactions, and wherein a higher
normalized popularity score represents a higher probability that the merchant will reach maximum capacity on any day;

ranking, by the computer-based system and in a list, the merchants with a higher normalized popularity score above the merchants
with a lower normalized popularity score;

adjusting, by the computer-based system and based on the ranking, an order of the list of the merchants in response to collaborative
filtering;

removing, by the computer-based system, the merchants from the list that have previously transacted with a consumer;
storing, by the computer-based system, data sets of the list of the merchants in a database as ungrouped data elements formatted
as a block of binary (BLOB) via a fixed memory offset;

partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by
the key field to speed searching for the list of the merchants;

linking, by the computer-based system, data tables based on the type of data in the key fields;
annotating, by the computer-based system, the data sets to include security information establishing access levels;
obtaining, by the computer-based system, the list of the merchants from the database;
determining, by the computer-based system and based on a global positioning system signal (“GPS”) from a mobile communications
device of the consumer, the merchants from the list that are outside a pre-determined distance from the mobile communications
device of the consumer;

filtering, by the computer-based system, the merchants from the list that are outside the pre-determined distance from the
mobile communications device of the consumer;

further adjusting, by the computer-based system, the merchants from the list that have a relationship with the computer-based
system; and

providing, by the computer-based system, the list of the merchants to the mobile communications device of the consumer.

US Pat. No. 9,613,361

SYSTEM AND METHOD FOR E-MAIL BASED REWARDS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
determining, by a computer based system, that a transaction account is associated with a first population based on real time
spend data in the transaction account;

linking, by the computer based system and based on the determining, the transaction account, with a rewards program and a
user profile account of a social networking distribution system;

generating, by the computer based system, a registration identifier in response to linking the transaction account to the
rewards program and the user profile account of the social networking distribution system,

authorizing, by an authorization server of the computer based system, a transaction with a merchant in response to a user
initiating the transaction with the merchant using the transaction account,

identifying, by the computer based system and in response to the authorizing, the transaction information from the transaction
account for the transaction, wherein the transaction is with the merchant that is a participant in the rewards program,

accessing, by the computer based system and in response to the authorizing, a plurality of offers associated with a plurality
of merchants;

selecting, by the computer based system and in response to the accessing, a subset of the plurality of offers associated with
the merchant;

analyzing, by the computer based system and in response to the selecting, the transaction information to determine that the
transaction information qualifies for an offer of the subset of the plurality of offers;

determining, by the computer based system and in response to the analyzing, the offer based on offer parameters, the transaction
account, and the transaction information;

linking, by the computer based system and in response to the selecting, the offer with the registration identifier;
associating, by the computer based system and in response to the linking with the registration identifier, the offer with
the transaction account based on the registration identifier;

providing, by the computer based system and contemporaneously with and in response to the associating the offer with the transaction
account, offer notification instructions for the offer to the social networking distribution system associated with the user
profile account of the social networking distribution system and based on the registration identifier associated with the
offer, the transaction account, and the user profile account of the social networking distribution system,

crediting, by the computer based system, a discount associated with the offer to the transaction during a settlement operation.

US Pat. No. 9,607,344

METHOD, SYSTEM, AND COMPUTER PROGRAM PRODUCT FOR MERCHANT SERVICING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system and from a merchant, a message via a social media messaging channel,
wherein the merchant provides items to consumers and consumers provide payments to the merchant via a merchant transaction
account;

determining, by the computer-based system, whether the message is an enrollment message or a service request message,
wherein the enrollment message enables the computer-based system to associate with the merchant within the social media messaging
channel,

wherein the enrollment message comprises a header to identify a type of message as the enrollment message, a merchant identifier
including a code to identify a particular merchant, a transaction account code to identify a particular transaction and a
device identifier to identify a particular merchant device used to send the message;

wherein the service request message enables the computer-based system to associate with the merchant within the social media
messaging channel,

wherein the service request message comprises a header to identify the type of message as the service request message and
a type of service requested, at least a portion of a code identifying the merchant transaction account, a date range for desired
transaction details and the merchant identifier including the code to identify the particular merchant;

verifying, by the computer-based system and in response to the message being the enrollment message, the merchant identifier
and the transaction account code;

enrolling, by the computer-based system and in response to the message being the enrollment message, the merchant,
wherein the enrolling includes processing hierarchy information, position in the hierarchy information, and services required
according to the position provided in the message;

receiving, by the computer-based system and in response to the message being the service request message, geo-location information
of a merchant device transmitting the message, wherein the geo-location information is obtained via the social media messaging
channel;

receiving, by the computer-based system and in response to the message being the service request message, device type information
of the merchant device transmitting the message, wherein the device type information is obtained via the social media messaging
channel;

verifying, by the computer-based system and in response to the message being the service request message, the merchant identifier
by confirming that the geo-location information complies with stored expected geo-location information;

identifying, by the computer-based system and in response to the message being the service request message, the merchant transaction
account based on the merchant identifier, the geo-location information and the device type information used in combination,
wherein the device type information relates to the merchant device;

accessing, by the computer-based system and in response to the message being the service request message, data associated
with the merchant transaction account linked to the merchant identifier based on the content of the message,

wherein the data is selected based on the geo-location of the merchant device transmitting the message,
wherein the data includes at least one of recent merchant transactions, merchant dispute status, merchant reconciliation information,
merchant transaction updates, merchant chargeback or merchant net account balance; and

transmitting, by the computer-based system and in response to the message being the service request message, a reply with
the data to the message on the social media messaging channel.

US Pat. No. 9,552,604

SYSTEMS AND METHODS FOR GENERATING CUSTOMIZED TRAVEL ITINERARIES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, survey data about travel interests of an individual;
assigning, by the computer-based system, a travel sign to the individual based on the survey data of the travel interests;
creating, by the computer-based system, a travel itinerary based on the travel sign;
storing, by the computer-based system, the travel itinerary having multiple booked reservations,
wherein the travel itinerary includes a first booked reservation for a first travel location associated with a first departure
time and options for a second travel location associated with a second departure time, and wherein the first travel location
and second travel location are booked, but unknown to an individual associated with the travel itinerary;

transmitting, by the computer-based system, a packing list including items needed by the individual when traveling in the
first travel location and for traveling in the second travel location, while restricting disclosure of the second travel location;

transmitting, by the computer-based system and to a mobile communication device of the individual, an access code to obtain
the travel itinerary for the first travel location while restricting a display of the second travel location,

wherein the mobile communication device determines the second travel location from the options, after travel to the first
travel location is completed on a first day;

determining, by the computer-based system and in response to completion of the first day, the second travel location from
the options and based on the travel sign and activities completed on the first day;

providing, by the computer-based system, in response to the determining and to the mobile communications device, the second
travel location for a second day;

acquiring, by the computer-based system and in response to the transmitting the access code, a location of the individual
while at the second location,

transmitting, by the computer-based system, in response to the acquiring, based on the travel sign of travel interests and
on the second day, a suggested first mystery activity item for the second day at the second location, while the individual
is at the second location, wherein the individual was previously unaware of the suggested first mystery activity;

receiving, by the computer-based system and from the mobile communication device and in response to the transmitting the suggested
first mystery activity item, a selection of the suggested first mystery activity item;

transmitting, by the computer-based system and to the mobile communication device and in response to the receiving the selection,
additional information about the suggested first mystery activity item;

transmitting, by the computer-based system, based on the travel sign of travel interests and on a third day, a suggested second
mystery activity item for the third day at the second location, while the individual is at the second location, wherein the
individual was previously unaware of the suggested second mystery activity;

receiving, by the computer-based system and from the mobile communication device and in response to the transmitting the suggested
second mystery activity item, a selection of the suggested second mystery activity item; and

transmitting, by the computer-based system and to the mobile communication device and in response to the receiving the selection,
additional information about the suggested second mystery activity item.

US Pat. No. 9,542,690

SYSTEM AND METHOD FOR PROVIDING INTERNATIONAL COUPON-LESS DISCOUNTS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
associating, by a computer based system, a transaction account of a user and a user profile for the user with a reward program,
wherein the user profile is associated with the transaction account;
monitoring, by the computer based system, a user device of the user to determine a current location of the user device;
monitoring, by the computer based system, a travel system having a travel itinerary for the user;
determining, by the computer based system, a current location of the user based on the current location of the user device;
determining, by the computer based system, a future location of the user based on the monitoring of the travel itinerary;
identifying, by the computer based system, an offer from the reward program, based on the current location and the future
location and an activity associated with at least one of the transaction account or the user profile,

wherein the offer provides a discount in a second monetary currency that is different than a first monetary currency,
wherein the first monetary currency is associated with the transaction account,
wherein the second monetary currency is associated with the future location of the user;
associating, by the computer based system and in response to identifying the offer, the offer with the transaction account,
wherein transactions for the transaction account are billed in the first monetary currency;
receiving, by the computer based system, transaction information comprising transaction account information, purchase information
and merchant information,

wherein the purchase information includes the offer;
analyzing, by the computer based system, the transaction account information and the purchase information to validate fulfillment
of the offer; and

transmitting, by the computer based system, first reward instructions associated with the offer to a global clearing and settlement
system module to provide a monetary credit to the transaction account in the first monetary currency and second reward instructions
associated with a sponsoring entity to at least one of a merchant account processing module or an administrative account processing
module to provide a monetary debit to the merchant in the second monetary currency.

US Pat. No. 9,530,143

SYSTEMS AND METHODS FOR DETERMINING AD IMPRESSION UTILITY

AMERICAN EXPRESS TRAVEL R...

1. A method of operating an electronic ad impression network comprising:
determining, by an ad impression processor of the electronic ad impression network, a characteristic of a target consumer
set derived by the electronic ad impression network from a closed loop transaction system network,

wherein the determining comprises analyzing internal data comprising at least one of a key field partition or a Binary Large
Object (BLOB), and relating to the target consumer set,

wherein the internal data relates to each target consumer of the target consumer set according to at least one of the key
field partition or an annotation indicator of the BLOB;

creating, by the processor, an ad impression comprising an electronic advertisement in response to the characteristic,
wherein the internal data and the ad impression are placed on separate file systems, and
wherein in/out (“I/O”) bottlenecks are reduced such that the efficiency of the network is improved;
wherein the creating comprises:
selecting a format element to incorporate into the ad impression based on element effectiveness data,
selecting a design element to incorporate into the ad impression based on the element effectiveness data, and
selecting a content element to incorporate into the ad impression based on the element effectiveness data,
wherein the format element, the design element, and the content element are components of an ad impression strength;
wherein the element effectiveness data indicates that the element is associated with enhanced ad impression effectiveness
among the target consumer set;

determining, by the processor, a target consumer who exhibits the characteristic;
delivering, by the processor, the ad impression to the target consumer, wherein the delivering comprises:
selecting a time to deliver the ad impression based on element time effectiveness data,
wherein the time to deliver is a component of an ad impression precision,
wherein the element time effectiveness data indicates that the element is associated with the enhanced ad impression effectiveness
at a particular time; and

selecting a delivery method of the ad impression based on both of:
(i) element target effectiveness data,
wherein the element target effectiveness data indicates that the delivery method is associated with enhanced ad impression
effectiveness among the target consumer set, and

(ii) element viewership effectiveness data,
wherein the element viewership effectiveness data indicates that the target consumer set is likely to view the ad impression
in response to being delivered by a particular delivery method at the time to deliver,

wherein the delivering includes the ad impression having the ad impression strength and the ad impression precision, and
wherein the efficiency of the network is improved,
wherein the element viewership effectiveness data is based on at least one of a target consumer set activity or target consumer
set location,

storing, by the processor, target data, on a file system separate from the file system of the ad impression, wherein in/out
(“I/O”) bottlenecks are reduced such that the efficiency of the network is improved;

wherein the target data indicates the behavior of the target consumer, and
wherein the target data permits tracking the target consumer over time to evaluate ad impression effectiveness; and
analyzing, by the processor, the target data, the analyzing comprising:
identifying a travel destination associated with the ad impression; and
determining whether the target data indicates that the target consumer engaged in a transaction at the travel destination.

US Pat. No. 9,934,535

SYSTEMS AND METHODS FOR THE SYNCHRONIZATION OF TRANSACTION DATA

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a payment processor computer-based system, a selection of a transaction account, wherein the transaction account is managed by the payment processor computer-based system;
receiving, by the payment processor computer-based system, a selection of a remote accounting software system;
linking, by the payment processor computer-based system and based on the receiving the selections, the payment processor computer-based system to the remote accounting software system;
displaying, by the payment processor computer-based system and on a user interface at the payment processor computer-based system and in response to the linking, a plurality of categories of metadata, wherein the plurality of categories of metadata are associated with the remote accounting software system;
receiving, by the payment processor computer-based system and in response to the displaying, a selection of a first category of metadata from the plurality of categories of metadata;
receiving, by the payment processor computer-based system, a selection of a plurality of metadata labels associated with the first category of metadata;
receiving, by the payment processor computer-based system and in response to the displaying, a selection of a second category of metadata from the plurality of categories of metadata;
receiving, by the payment processor computer-based system, a selection of a plurality of metadata labels associated with the second category of metadata;
importing, by the payment processor computer-based system and from the remote accounting software system and to the payment processor computer-based system, the first category of metadata, the second category of metadata and the plurality of metadata labels;
receiving, by the payment processor computer-based system, a record of charge (ROC) for a transaction account from a merchant system associated with a merchant,
notifying, by the payment processor computer-based system and in response to the receiving the ROC, the user interface about the receiving of the ROC;
providing, by the payment processor computer-based system and to the user interface, a drop down list of the plurality of the metadata labels for selection of one of the plurality of metadata labels to provide an instruction to automatically set the association of the one of the plurality of the metadata labels with the ROC;
receiving, by the payment processor computer-based system and in response to the providing, the instruction to automatically set the association of the one of the plurality of the metadata labels with the ROC, in response to the selection of the one of the plurality of the metadata labels from the drop down list of the plurality of the metadata labels,
displaying, by the payment processor computer-based system, the association of one of the plurality of the metadata labels with the ROC in an online transaction account statement for the transaction account;
including, by the payment processor computer-based system and in the online transaction account statement, a software enabled link to the plurality of metadata labels from the accounting software system; and
transmitting, by the payment processor computer-based system, the ROC and the association of the one of the plurality of the metadata labels with the ROC to the accounting software system.

US Pat. No. 9,773,234

SMART PHONE SYSTEM AND METHOD

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
transmitting, by a computer based system, a first passively pushed message to an application associated with a transaction
account holder, in response to a declined first attempt of a transaction request;

receiving, by the computer based system, a response to the first passively pushed message;
transmitting, by the computer based system, a second passively pushed message to the application associated with the transaction
account holder, in response to the response to the first passively pushed message meeting pre-established criteria; and

receiving, by the computer based system, a second attempt of the transaction request, wherein the second attempt is authorized.

US Pat. No. 9,715,700

MARKETING CAMPAIGN APPLICATION FOR MULTIPLE ELECTRONIC DISTRIBUTION CHANNELS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer based system via a marketing campaign application and a market account dashboard, a selection of
a first social media network,

wherein the market account dashboard includes a social network set up tab with selectable links that are configured to link
the marketing campaign application with a selected social media network, and

wherein the marketing campaign application is configured to graphically present user selectable offer information;
linking, by the computer based system, the first social media network with the merchant campaign application in response to
receiving a selection of the first social media network and in response to authenticating first authentication information
for the first social media network;

receiving, by the computer based system via the marketing campaign application and the market account dashboard, a selection
of a second social media network;

linking, by the computer based system, the second social media network with the merchant campaign application in response
to receiving a selection of the second social media network and in response to authenticating second authentication information,

creating, by the computer based system and in response to the linkings and based on input from a merchant system and via the
marketing campaign application, offer parameters for distribution of an offer, a discount amount, and an offer type;

determining, by the merchant system and in response to the creating, a business rule associated with the offer type;
determining, by the merchant system and in response to the determining the business rule, the discount amount based on the
business rule,

wherein the business rule includes a first discount range for a first offer type and a second discount range for a second
offer type;

generating, by the computer based system and based on the determining of the discount amount, offer data associated with the
offer based on the offer parameters, merchant data and account holder data;

parsing, by the computer based system and in response to the generating, the offer data to create a first subset of the offer
data to provide to the first social media network based on first capabilities of the first social media network;

storing, by the computer-based system, data sets of the offer data in a database as ungrouped data elements formatted as a
block of binary (BLOB) via a fixed memory offset;

partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by
the key field to speed searching for the offer data; obtaining, by the computer-based system, the offer data from the database;
automatically formatting, by the computer based system, the offer with the first subset of offer data and in a first format
for the first social media network based on the offer parameters associated with the first social media network and the offer
type;

automatically customizing, by the computer based system, the offer for the first social media network based on the offer parameters
associated with the first social media network and the offer type;

parsing, by the computer based system and in response to the generating, the offer data to create a second subset of the offer
data to provide to the second social media network based on second capabilities of the second social media network;

automatically formatting, by the computer based system, the offer with the second subset of offer data and in a second format
for the second social media network based on the offer parameters associated with the second social media network and the
offer type;

automatically customizing, by the computer based system, the offer for the second social media network based on the offer
parameters associated with the second social media network and the offer type;

wherein the offer is distributed by the merchant system via the first social media network in the first format and the second
social media network in the second format; receiving, by the computer based system and from the merchant system, a change
to the offer data;

automatically updating, by the computer based system and in response to receiving the change, the offer data based on the
change to create updated offer data; and

updating, by the computer based system and based on the updated offer data, the offer in both the first social media network
and the second social media network.

US Pat. No. 9,710,260

INCREASING PROFICIENCY STATUS OF DEVELOPERS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a computer-based system and using a proficiency matrix and using an assessment module, proficiency status
levels appropriate to complete the development of a software tool,

wherein the proficiency status levels are based on an analysis of a maximum timeline for completion of the elements of the
software tool using a case type matrix, minimum skills for development of a software tool using an identification module and
elements of the software tool using the case type matrix;

assigning, by the computer-based system, use cases to developers; and
increasing, by the computer-based system, the proficiency status level of the developers, in response to completion of the
use cases.

US Pat. No. 10,043,196

EXPENDITURES BASED ON AD IMPRESSIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:determining, by a computer-based system, a first group of customers for an ad impression;
selecting, by the computer-based system and based on the determining, a second group of customers based on look alike modeling of the first group of customers,
wherein a first customer is part of the second group of customers;
creating, by the computer-based system, a tag that includes a campaign request by a merchant, wherein the campaign request indicates the ad impression for the first customer based on the tag;
further creating, by the computer-based system, the tag with additional instructions that cause, upon a web client navigating to a website, a cookie to be transmitted from the web client to the media buyer system to indicate that the first customer is online such that the media buyer system purchases the ad impression that is sent to the first customer;
tagging, by the computer-based system, the cookie with the tag that includes the campaign request for the first customer;
anonymizing, by the computer-based system, the cookie to create an anonymized cookie by stripping the personal information (PII) that is associated with a first customer;
installing, by the computer-based system, the anonymized cookie on the web client associated with the first customer;
receiving, by the computer-based system, data from the anonymized cookie;
modifying, by the computer-based system, the tag associated with the cookie to at least one of: associate or disassociate the first customer with at least one of: a category or type of the ad impression;
selecting, by the computer-based system, the ad impression from the at least one of: the category or the type of the ad impression;
transmitting, by the computer-based system, the ad impression to the web client associated with the first customer;
identifying, by the computer-based system, a first expenditure associated with the first customer that received the ad impression;
comparing, by the computer-based system, the first expenditure to a second expenditure associated with a second customer that did not receive the ad impression based on the campaign request but fits parameters associated with the campaign request; and
generating, by the computer-based system, a report showing the results of the comparing.

US Pat. No. 10,037,194

SYSTEMS AND METHODS FOR VISUAL DATA MANAGEMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:creating, by a computer-based system, a rollup variable;
storing, by the computer-based system, the rollup variable in a common data table;
providing, by the computer-based system, a plurality of available drag and drop items representing predefined functions;
receiving, by the computer-based system, a first selection of a first drag and drop item from the plurality of drag and drop items, the first drag and drop item representing a first predefined function;
receiving, by the computer-based system, a second selection of a second drag and drop item from the plurality of drag and drop items, the second drag and drop item representing a second predefined function, wherein the second predefined function is different than the first predefined function;
requesting, by the computer-based system, an input identifying fields on which to execute the first predefined function and the second predefined function;
creating, by the computer-based system, a logic map comprising the first predefined function and the second predefined function;
selecting, by the computer-based system, a language in which to execute the logic map;
reading, by the computer-based system, metadata in a metadata store corresponding to the first predefined function and the second predefined function;
generating, by the computer-based system, an intermediate language;
compiling, by the computer-based system, the metadata from the intermediate language to code in the selected language; and
executing, by the computer-based system and based on the identified fields including the rollup variable, the code on the rollup variable in a data management system including the common data table.

US Pat. No. 9,972,007

NEXT EXPECTED SESSION KEY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a computer-based system, a transaction request from a transaction device;
decrypting, by the computer-based system, a next expected session key from a plurality of session keys, wherein the plurality of session keys have an expected order of use; and
transmitting, by the computer-based system, a signal comprising the dynamically generated value,
wherein the dynamically generated value is generated based on the next expected session key,
wherein the signal is configured to be received by the transaction device.

US Pat. No. 9,940,628

SYSTEMS AND METHODS FOR DETERMINING AD IMPRESSION UTILITY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:selecting, by a processor, a consumer set having similar characteristics;
dividing, by the processor, the consumer set into a target consumer set and a control consumer set;
storing, by the processor, internal data of the target consumer set in a database as ungrouped data elements formatted as a block of binary large object data (BLOB) via a fixed memory offset;
partitioning, by the processor and using a key field, the database according to a class of objects defined by the key field to speed searching for the internal data of the target consumer set;
linking, by the processor, data tables based on the type of data in the key fields;
annotating, by the processor, the data sets to include security information establishing access levels;
obtaining, by the processor, the internal data of the target consumer set from the database;
identifying, by the processor and from the internal data of the target consumer set, a travel destination associated with an ad impression;
identifying, by the processor, from the internal data of the target consumer set, the transaction in the internal data relating to the target consumer set occurring at the travel destination,
delivering, by the processor, the ad impression comprising an electronic advertisement to a smartphone of the target consumer, wherein the delivering comprises:
selecting a format element to incorporate into the ad impression based on element effectiveness data,
selecting a design element to incorporate into the ad impression based on the element effectiveness data, and
selecting a content element to incorporate into the ad impression based on the element effectiveness data, wherein the format element, the design element, and the content element are components of an ad impression strength,
wherein the element effectiveness data indicates that the element is associated with enhanced ad impression effectiveness among the target consumer set;
determining the enhanced ad impression effectiveness based on the ad impression strength and the ad impression precision;
selecting a selected time to deliver the ad impression;
wherein the time to deliver is a component of an ad impression precision, selecting a selected delivery method of the ad impression;
determining element viewership effectiveness data, wherein the element viewership effectiveness data indicates that the target consumer set is likely to view the ad impression in response to being delivered by the selected time to deliver,
joining, by the processor, the transaction with a target consumer of the target consumer set;
determining, by the processor and from the internal data of the target consumer set, a frequency of behavior of the target consumer set for purchasing an item contemplated by the ad impression after a time period elapses;
determining, by the processor and from internal data of the control consumer set, the frequency of behavior of the control consumer set for purchasing the item after the time period elapses; and
comparing, by the processor, the frequency of behavior of the control consumer set to the frequency of behavior of the target consumer set.

US Pat. No. 9,898,708

UPLIFTING OF COMPUTER RESOURCES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
determining, by a computer-based system, an application criticality score for an application processed by a server based on
a weighted Sarbanes Oxley score and a weighted data security score, wherein the weighting is based on an importance of a security
of the application;

comparing, by the computer-based system, an operating system platform of the application processed by the server with the
application criticality score of the application processed by the server;

determining, by the computer-based system and based on the comparison, an end of life target for the server;
prioritizing, by the computer-based system, uplifts of the server, along with a plurality of servers to create a prioritized
list of servers, wherein the prioritizing is based on a set of parameters; and

removing, by the computer-based system, the server from the prioritized list of servers based on an indicator signifying the
server was previously designated to be uplifted.

US Pat. No. 9,898,483

SYSTEMS, METHODS, AND APPARATUSES FOR CREATING A SHARED FILE SYSTEM BETWEEN A MAINFRAME AND DISTRIBUTED SYSTEMS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
writing, by a mainframe computing resource, data to a shared file system;
indicating, by the mainframe computing resource, to a data processing appliance that data exists that is ready for processing;
wherein the indicating is accomplished by at least one of the mainframe computing resource sending a message or setting a
flag that is detectable or monitored by at least one of the data processing appliance or a data library;

creating, by the mainframe computing resource, a file on the data library;
creating, by the mainframe computing resource, a place on a storage medium of the mainframe computing resource for processed
data;

sending, by the mainframe computing resource, a message to the data processing appliance with a location of the data to be
processed and a location where the data will be stored post processing;

removing, by the data processing appliance, mainframe semantics from the data;
processing, by at least one of the data processing appliance or a distributed system, the data to create the processed data,
wherein the distributed system comprises at least one processor and memory;

writing, by the data processing appliance, the processed data to the shared file system in a mainframe tape format; and
notifying, by the data processing appliance, the mainframe computing resource that the processed data is ready for further
processing by the mainframe computing resource, wherein:

the mainframe computing resource is configured to communicate securely with the data library through a first interface and
the data processing appliance is configured to communicate with the data library through a second interface;

the processed data is stored in a first portion of the data library designated for the data processing appliance, and wherein
the first portion is segregated from a second portion of the data library that receives data from the mainframe computing
resource, and

the notification includes at least one of a success return code or a failure return code.

US Pat. No. 9,836,687

CERAMIC-CONTAINING TRANSACTION CARDS AND METHODS OF MAKING THE SAME

American Express Travel R...

1. A transaction card comprising:
a card body comprising a ceramic material, the card body including a primary surface and a first mating surface;
a card backer comprising a metallic material and including a secondary surface and a second mating surface;
a fill panel disposed on the secondary surface, wherein the fill panel comprises at least one of zirconium oxide, zirconium
dioxide, boron carbide, or silicon carbide,

wherein the fill panel comprises an exterior surface of the transaction card;
wherein a portion of the first mating surface and a portion of the second mating surface are coupled together,
wherein the card backer comprises a card backer aperture and a slit extending from the card backer aperture to an exterior
edge of the card backer,

wherein the card body comprises a card body aperture, wherein the card backer aperture and the card body aperture at least
partially overlap, wherein the fill panel completely covers the card body aperture.

US Pat. No. 9,818,103

SECURE EXCHANGE OF INDICIA OF VALUE AND ASSOCIATED INFORMATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a third-party processor computer using an offer management application and from a website associated with a
merchant system of a merchant, computer code in a data packet that represents a purchase request to purchase an indicium of
value for use at said merchant system,

wherein said indicium of value is issued to said customer, in response to said financial transaction computer checking with
said merchant system to determine that a tipping point of a predetermined number of said indicia of value were issued,

wherein said data packet that represents said purchase request comprises identification (ID) information including data fields
which identify said merchant, an authorized amount, consumer name, consumer address and consumer date of birth;

receiving, by said computer using said offer management application, an account request for a financial account, wherein said
account request includes said ID information;

determining, by said computer using said offer management application, that a number of said indicium of value is below a
predetermined threshold;

associating, by said computer using said offer management application and by flagging data in a database, said indicium of
value with said identification (ID) information,

including, by said computer using said offer management application, said ID information in an application for said financial
account;

sending, by said computer using said offer management application, a data packet including a request for approval of said
application for said financial account;

wherein said financial account is provided to said consumer,
sending, by said computer using said offer management application, said indicium of value in an email to said consumer,
wherein said indicium of value is also stored in said financial account;
receiving, by said computer using said offer management application, a data packet containing a code representing a redemption
request for said indicium of value,

wherein said indicium of value includes said code;
authenticating, by said computer using said offer management application conducting a validate operation and based upon said
redemption request and said ID information, said indicium of value;

sending, by said computer using said offer management application, a data packet including an authorization of said redemption,
wherein using a completion operation at least a portion of said authorized amount is used to fund a first portion of a financial
transaction at said merchant system,

wherein using a balance operation said consumer transmits a data packet with instructions for charging a second portion of
said financial transaction to said financial account of said consumer,

wherein said computer obtains said second portion from a financial account issuer system that issued said financial account
of said consumer; and

sharing, by said computer using said offer management application, a data packet of information related to said financial
transaction with said merchant system, and said financial account issuer system.

US Pat. No. 9,818,159

SYSTEMS AND METHODS FOR EXPENSE MANAGEMENT

AMERICAN EXPRESS TRAVEL R...

14. A system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause
the processor to perform operations comprising:

comparing, by the processor, an image of a receipt with a record of charge (ROC) associated with a transaction account,
wherein the image of the receipt is captured by a mobile device,
wherein the ROC includes a standard industrial classification (SIC) code of a merchant and a location associated with the
ROC;

and
determining, by the processor, that an entry on the image of the receipt is associated with the ROC based upon at least one
of the SIC code or the location.

US Pat. No. 9,805,024

ANAPHORA RESOLUTION FOR SEMANTIC TAGGING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
tokenizing, by a computer-based system, a body of text by splitting the body of text into individual tokens;
weighting, by the computer-based system and based on the tokenizing, the individual tokens having a pronoun grammatical role
based on structured contextual information;

analyzing, by the computer-based system, the structured contextual information to facilitate a homophora resolution;
integrating, by the computer-based system and in response to the analyzing and in response to the weighting of the individual
tokens, the homophora resolution into an anaphora resolution algorithm by substituting the structured contextual information
into the body of text to create a substituted body of text;

translating, by the computer-based system and based on the integrating, semantic concepts of the substituted body of text
into one or more semantic tags;

conducting, by the computer-based system, in response to the translating and using the one or more semantic tags, semantic
reasoning to facilitate pattern identification within a group of documents,

analyzing, by the computer-based system and based on semantic reasoning and using the one or more semantic tags, implied relationships
of the text within the group of documents to identify a specific topic; and

displaying, by the computer-based system to a user interface, the specific identified topic of the substituted body of text.

US Pat. No. 9,767,467

SYSTEM AND METHOD FOR PROVIDING COUPON-LESS DISCOUNTS BASED ON A USER BROADCASTED MESSAGE

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
syncing, by a computer based system and via a registered card engine, a transaction account, a social media channel and a
user profile,

wherein the synching comprises:
receiving, by the computer based system, a request to sync the social media channel with the transaction account issued by
a transaction account issuer system,

wherein the request is created by the social media channel in response to a user initiating a sync process in the social media
channel;

obtaining by the computer based system and in response to the request to sync, access to user profile information of the user
of the social media channel;

identifying, by the computer based system, the user profile based on the user profile information of the user of the social
media channel;

determining by the computer based system, the transaction account associated with the user based on at least one of an input
from the user in the social media channel or a response by the user to a request from the computer based system for a transaction
account number;

verifying, by the computer based system, that the transaction account is eligible to sync with the user profile in the social
media channel;

verifying, by the computer based system, that the transaction account is eligible to receive offers from a reward program
system via the social media channel,

wherein the verification is based on at least one of user account type, user spending level, user payment history, user spending
history, user creditworthiness, or user enrollment in loyalty programs;

receiving, by an offer registration system of the computer based system, an offer and an offer indicator,
wherein the offer defines the social media channel and the offer indicator to be provided in a broadcast platform,
wherein the offer indicator is functional and allows the social media channel to identify and route the offer to the computer
based system, and

wherein the offer indicator is capable of being broadcasted in the social media channel;
converting, by the computer based system, the offer to be configured for use in the social media channel;
providing, by the computer based system and to the user, the offer indicator for the offer;
receiving, by the computer based system via a broadcast module residing with the social media channel, a set of broadcasts
from the social media channel that trigger an acceptance of the offer by the user,

wherein the social media channel receives broadcasts sent by users and filters the broadcasts for the offer indicator such
that the set of broadcasts sent to the computer based system include the offer indicator, and

wherein the broadcast platform is configured to identify a set of users that correspond to the set of broadcasts based on
each user of the set of users having the transaction account associated with the social media channel;

identifying, by the computer based system, the offer indicator within the broadcast;
determining, by the computer based system, a source of the broadcast based on the offer indicator,
wherein the source of the broadcast has the transaction account that is linked with the social media channel; and
associating, by the computer based system, the offer associated with the offer indicator to the transaction account associated
with the source of the broadcast, in response to the transaction account being synched to the user profile and the social
media channel;

monitoring, by the computer based system and via the transaction account issuer system, the transaction account for at least
one of a past transaction, current transaction or future transaction with a merchant via a merchant system that satisfies
the offer; and

crediting, by the computer based system, the transaction account with a reward in response to identifying at least one of
the past transaction, the current transaction or the future transaction that satisfies the offer.

US Pat. No. 9,754,277

SYSTEM AND METHOD FOR PURCHASING IN A DIGITAL CHANNEL

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
presenting, by a processor and via a web client, a plurality of broadcast channels which are selectable by a user;
receiving, by the processor and via a selectable link, an indication of a selection of a broadcast channel by the user from
the plurality of broadcast channels;

providing, by the processor, action information that is formatted to be sent via the broadcast channel,
identifying, by the processor and via a sync module, a user profile based on user profile information of the user of the broadcast
channel;

determining, by the processor and via a transaction account system, a transaction account associated with the user;
syncing, by the processor and via the sync module, the transaction account, the broadcast channel and the user profile, in
response to receiving the indication of the selection;

identifying, by the processor and to the broadcast channel, the user profile;
receiving, by the processor, a plurality of broadcasts from the broadcast channel,
wherein the plurality of broadcasts comprise a first broadcast,
wherein the broadcast channel is a publicly accessible social media channel,
analyze, by an activity monitoring module in communication with the processor and in response to the receiving the plurality
of broadcasts, a content of the plurality of broadcasts to identify the action information to create a subset of the plurality
of broadcasts having the action information for tracking;

tracking, by the activity monitoring module in communication with the processor and based on the synching, the subset of the
plurality of broadcasts with the action information from within the broadcast channel,

wherein the action information includes codes having a predetermined purchase indicator that triggers an initiation of a purchase
of an item;

determining, by the processor, the user associated with the action information in the broadcast channel based on the user
profile associated with the transaction account;

selecting, by the processor, the first broadcast from the plurality of broadcasts based on the user that transmitted the first
broadcast in the broadcast channel;

identifying, by the processor, the transaction account associated with the user and the broadcast channel;
parsing, by the processor, the action information of the first broadcast into elements;
analyzing, by the processor and in response to the parsing, the elements to identify the predetermined purchase indicator;
comparing, by the processor, the predetermined purchase indicator to a criteria;
identifying, by the processor, an item and an item supplier based on the predetermined purchase indicator at least partially
satisfying the criteria,

wherein the item supplier is a third party merchant;
requesting, by the processor and from the item supplier, an inventory status of the item;
determining, by the processor, that the item has an available inventory status;
determining, by the processor, that the transaction account is associated with the broadcast channel such that the transaction
account is configured for purchases in response to a broadcast in the broadcast channel;

requesting, by the processor and via the broadcast channel, confirmation information that the broadcast is for the purchase
of the item based on the item having an available inventory status,

wherein the request is presented to the user in the broadcast channel and
wherein the confirmation is captured by the broadcast channel and provided to the processor;
receiving, by the processor, the confirmation information from the broadcast channel that is indicative of the confirmation
that the item has the available inventory status;

initiating, by the processor, a purchase transaction with the transaction account that is enabled for purchases with the item
supplier for the item, in response to receiving the confirmation information from the broadcast channel and using the transaction
account associated with the broadcast channel profile for conducting the purchase transaction,

obtaining, by the processor, a shipping address in response to the initiating the purchase transaction;
transmitting, by the processor, the shipping address to the item supplier,
wherein the item supplier charges the transaction account for the purchase transaction for the item, based on the transaction
information; and

transmitting, by the processor via the broadcast channel, a confirmation notification that the purchase transaction for the
item is initiated and the inventory status of the item.

US Pat. No. 9,710,667

SYSTEM AND METHOD FOR ONLINE KEY ROTATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving by a computer based system configured for protecting data, a data element;
receiving, by the computer based system, a first encryption key and a first encryption key identifier from an encryption keystore
database;

transmitting, by the computer based system, the data element to an encryption module for encryption using the first encryption
key to form an encrypted data element;

receiving, by the computer based system, the encrypted data element from the encryption module;
concatenating, by the computer based system, the first encryption key identifier with the encrypted data element to form a
protected data field entry, wherein the first encryption key identifier is prepended to the encrypted data element;

storing, by the computer based system, an effective date in the encryption keystore database;
associating, by the computer based system, the effective date with the first encryption key based on a date the encrypted
data element was encrypted via the first encryption key, wherein the effective date is the first encryption key identifier;

retrieving, by the computer based system and in response to an encryption key change based on the effective date, a second
encryption key;

decrypting, by the computer based system and based on the first encryption key identifier, the data element with the first
encryption key;

encrypting, by the computer based system, the data element with the second encryption key; and
prepending, by the computer based system, the second encryption key identifier to the data element encrypted with the second
encryption key.

US Pat. No. 9,633,224

PROTECTING SENSITIVE DATA PRIOR TO REACHING THE CLOUD

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
intercepting, by a tokenization gateway computer-based system, sensitive data prior to the sensitive data reaching a cloud
application,

wherein the cloud application is in an externally hosted system,
wherein the cloud application comprises a software application that functions within the externally hosted system, wherein
the externally hosted system includes a cloud computing environment,

associating, by the tokenization gateway computer-based system, a file path with the sensitive data;
generating, by the tokenization gateway computer-based system, a token comprising a data identifier;
tokenizing, by the tokenization gateway computer-based system and in response to the generating, the sensitive data;
storing, by the tokenization gateway computer-based system and in response to the tokenizing, the token to the cloud application;
storing, by the tokenization gateway computer-based system and in response to the storing the token to the cloud application,
the sensitive data to a token vault,

wherein the token vault is internal to the tokenization gateway computer-based system, and wherein the token vault comprises
a data storage system;

retrieving, by the tokenization gateway computer-based system, the token from the cloud application;
reading, by the tokenization gateway computer-based system, the file path associated with the token; and
in response to the reading the file path associated with the token, receiving, by the tokenization gateway computer-based
system, the sensitive data.

US Pat. No. 9,607,308

SPEND BASED DIGITAL AD TARGETING AND MEASUREMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
transmitting, by a computer-based system and to a third party system, a measurement file that associates a customer with a
first party cookie ID;

transmitting, by the computer-based system, the first party cookie ID and a third party cookie ID to a web client associated
with a customer, in response to the web client browsing on a website associated with a first party,

wherein the first party cookie ID is associated with a model, and
wherein the model associates a market segment of interest to the customer with the first party cookie ID;
receiving, by the computer-based system and in response to the transmitting the first party cookie ID and the third party
cookie ID, an updated model file associated with the model,

wherein the updated model file includes web browsing data associated with the third party cookie ID,
wherein the updated model file is stripped of a first party cookie ID;
receiving, by the computer-based system and in response to receiving the updated model file, an updated measurement file comprising
exposed customer data associated with exposed customers and unexposed customer data associated with unexposed customers, both
associated with the third party cookie ID, and wherein the first party cookie ID is disassociated from the exposed data and
the unexposed data;

wherein the exposed customer data comprises data associated with targeted advertisements based upon the updated model file,
wherein the unexposed customer data comprises data associated with neutral advertisements,
wherein the neutral advertisements include content associated with the updated model file, but the updated model file is not
included in creating the content,

wherein the web client transmits the first party cookie ID and the third party cookie ID to the third party system in association
with web browsing data,

wherein a second party system provides a second party cookie ID to the web client,
wherein the second party system transmits the browsing data to the third party system,
wherein the browsing data is associated with at least one of the web client or the third party cookie ID,
wherein the third party system updates a model file such that the browsing data is associated with the third party cookie
ID, and

wherein the third party system transmits the updated model file to the first party system;
declining, by the computer-based system and in response to the receiving the updated measurement file, to offer the targeted
advertisements to the unexposed customers;

presenting, by the computer-based system and in response to the declining, the neutral advertisement to the unexposed customers
while the unexposed customers are visiting a webpage,

wherein the unexposed customers fit a look alike model logic of the updated model file; and
measuring, by the computer-based system and in response to the presenting, the relevance to the unexposed customer of the
neutral advertisement.

US Pat. No. 9,519,802

SYSTEMS AND METHODS FOR DOCUMENT AND DATA PROTECTION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
intercepting, by a tokenization gateway computer-based system, sensitive data prior to the sensitive data reaching a cloud
application in an externally hosted system,

wherein the sensitive data is being uploaded to the externally hosted system;
encrypting, by the tokenization gateway computer-based system and in response to the intercepting, the sensitive data to create
encrypted sensitive data;

associating, by the tokenization gateway computer-based system, a file path with the encrypted sensitive data;
generating, by the tokenization gateway computer-based system and in response to the encrypting, a token comprising a data
identifier;

tokenizing, by the tokenization gateway computer-based system and in response to the generating, the encrypted sensitive data,
wherein the tokenizing comprises mapping the encrypted sensitive data to the token;

storing, by the tokenization gateway computer-based system and in response to the tokenizing, the token to the cloud application,
wherein the cloud application comprises a software application that functions within the externally hosted system, wherein
the externally hosted system includes a cloud computing environment;

storing, by the tokenization gateway computer-based system and in response to the storing the token to the cloud application,
the encrypted sensitive data to a token vault internal to the tokenization gateway computer-based system, wherein the token
vault comprises a data storage system;

retrieving, by the tokenization gateway computer-based system, the token from the cloud application in response to a request
from the computer-based system for the token from the cloud application,

reading, by the tokenization gateway computer-based system, the file path associated with the token; and
in response to the reading the file path associated with the token, receiving and decrypting, by the tokenization gateway
computer-based system, the encrypted sensitive data.

US Pat. No. 9,514,483

MARKETING CAMPAIGN APPLICATION FOR MULTIPLE ELECTRONIC DISTRIBUTION CHANNELS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
presenting, by a computer-based system and via a marketing campaign application, a merchant account dashboard to a merchant
system of a merchant,

wherein the merchant account dashboard includes a social network set up tab with selectable links that are configured to link
the marketing campaign application with a selected social network, and

wherein the marketing campaign application is configured to graphically present user selectable offer information, and
wherein the merchant system is operated by at least one of a transaction processor, a transaction account issuer, or a reward
program provider;

receiving, by the computer-based system and at the merchant account dashboard, a selection of a first social media channel;
requesting, by the computer-based system and by the merchant campaign application, first authentication information for the
first social media channel;

linking, by the computer-based system, the first social media channel with the merchant campaign application;
linking, by the computer-based system, a second social media channel in response to receiving a selection of the second social
media channel and second authentication information;

receiving, at a computer-based system, offer parameters for generating a first offer and a second offer,
wherein the offer parameters include a first offer type, and merchant data for the first offer and a second offer type and
merchant data for the second offer;

storing, by the computer-based system, the offer parameters in a database, wherein the storing includes using a binary large
object method to store different data sets from different merchants with different formats as ungrouped data elements via
a fixed memory offset;

storing, by the computer-based system, the offer parameters in the database by annotating the offer parameters with a header,
trailer or indicator to convey information for managing the offer parameters;

annotating, by the computer-based system, the binary large object with a security access level;
providing, by the computer-based system, based on the security access level, access for the merchant to the offer parameters;
determining, by the computer-based system, offer data for the first offer and the second offer based on the offer parameters
and account holder data;

determining, by the computer-based system, a first electronic distribution channel for the first offer based on the first
offer type and the offer parameters

wherein the first electronic distribution channel is the first social media channel that is configured to broadcast text and
images,

creating, by the computer-based system, an opt-in criteria for the offer based on the first social media channel;
generating, by the computer-based system and in response to the determining the first electronic distribution channel, the
first offer in a first offer format for distribution,

wherein the first offer format is customized for and defined by parameters of the first electronic distribution channel, and
wherein the first offer includes the opt-in criteria as a point of interaction with the first offer,
wherein the first offer includes hyperlinks customized for operation in the first electronic distribution channel;
generating, by the computer-based system and based on the opt-in criteria, a software-enabled and user selectable opt-in button
to associate with the first offer;

determining, by the computer-based system, a second electronic distribution channel for the second offer based on the second
offer type and the offer parameters

wherein the second electronic distribution channel is the second social media channel that is configured to broadcast text;
and

generating, by the computer-based system and in response to the determining the second electronic distribution channel, the
second offer in a second offer format for distribution,

wherein the second offer format is customized for and defined by parameters of the second electronic distribution channel,
wherein the second offer includes hyperlinks customized for operation in the second electronic distribution channel.

US Pat. No. 10,055,759

SYSTEMS AND METHODS FOR DIGITAL SPEND BASED TARGETING AND MEASUREMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:transmitting, by a computer-based system, a first party cookie ID and a third party cookie ID to a web client associated with a customer, in response to the web client browsing on a website associated with a first party system,
wherein the first party cookie ID is associated with a model,
wherein the model associates the market segment of interest to the customer with the first party cookie ID,
wherein the first party system is unable to identify the customer without the first party cookie ID,
wherein a third party system receives web browsing data,
wherein the web client transmits the first party cookie ID and the third party cookie ID to the third party system in association with the web browsing data,
wherein the third party system is unable to associate the web browsing data with the customer,
wherein the third party system associates the third party cookie ID with a model file and the first party cookie ID,
wherein the third party system updates the model file to create an updated model file such that the web browsing data is associated with the third party cookie ID, and
wherein a third party system transmits an updated model file to the first party system.

US Pat. No. 10,019,757

TOTAL STRUCTURAL RISK MODEL

American Express Travel R...

1. A method comprising:calculating, by a risk analysis microprocessor in communication with a tangible, non-transitory memory, a comprehensive consumer default risk value for a consumer based upon a consumer credit data, consumer transactional data and an estimated spend capacity,
wherein the consumer transactional data comprises transaction amount, transaction time comprising a moment in time at which a transaction occurs, transaction vendor/merchant, and transaction vendor/merchant location, and
wherein the comprehensive consumer default risk value represents a risk associated with the consumer defaulting on an existing debt obligation,
assigning, by the risk analysis microprocessor and in response to the calculating, the consumer to a consumer population segment based upon primary residence value;
selecting, by the risk analysis microprocessor and in response to the assigning, an appropriate risk factor relationship based upon the consumer credit data and internal data;
storing, by the risk analysis microprocessor and in response to the selecting, the appropriate risk factor relationship in a database as a binary large object (BLOB) in an encrypted format;
inserting, by the risk analysis microprocessor and in response to the storing, a data set annotation in the BLOB, wherein the data set annotation includes security information establishing an access level;
receiving, by a stand-alone interaction device and based on the access level, the BLOB;
decrypting, by the stand-alone interaction device, the BLOB; and
displaying, by the stand-alone interaction device, the BLOB.

US Pat. No. 9,965,647

PRE-CLOUD DATA PROTECTION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:intercepting, by a gateway, data prior to the data reaching a cloud application,
wherein the cloud application comprises a software application that functions within an externally hosted system,
wherein the cloud application is in the externally hosted system,
wherein the data is being uploaded to the externally hosted system,
wherein the externally hosted system includes a cloud computing environment,
associating, by the gateway, a file path with the data,
wherein the file path comprises a directory location of the data within the data storage system;
generating, by the gateway, a token,
wherein the token comprises the file path;
tokenizing, by the gateway, the data with the token;
storing, by the gateway, the token to the cloud application;
storing, by the gateway, the data to a token vault,
wherein the token vault is internal to the gateway,
wherein a mapping table is stored in the token vault,
wherein the mapping table maps the data to the token, and
wherein the token vault comprises a data storage system;
receiving, by the gateway, a request for the data;
retrieving, by the gateway, the token from the cloud application in response to a request from the gateway for the token from the cloud application;
reading, by the gateway, the file path associated with the token; and
identifying, by the gateway and based upon the token associated with the data, the data;
receiving, by the gateway, the data in response to the reading the file path associated with the token.

US Pat. No. 9,934,257

SYSTEM AND METHOD FOR RECURSIVE METADATA LAYERS ON BIG DATA SETS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a processor, a data set comprising a plurality of rows and a plurality of columns;
analyzing, by the processor, a first column of a plurality of columns in the data set to identify traits of the first column,
wherein the traits include whether the first column stores numeric data, whether the first column stores string data, a number of filled cells in the first column, and most common values in the first column;
iteratively analyzing, by the processor, each additional column of the plurality of columns in the data set to identify traits of each additional column,
generating, by the processor, a first layer of metadata based on the traits of the plurality of columns;
formatting, by the processor, the first layer of metadata for operations by compiling all metadata generated for the first layer of metadata into a single table with rows corresponding to field values;
applying, by the processor, a first rule based decisioning to the first layer of metadata to apply analysis techniques depending on the data set;
generating, by the processor and based on the first rule based decisioning, a primary key indicator, a numeric indicator, a string indicator, a type indicator, a categorical indicator, and a continuous indicator,
wherein the primary key indicator is a unique identifier for a row in the data set,
wherein the numeric indicator and the string indicator are assigned based on contents of the row in a column,
wherein the categorical indicator identifies the data set as descriptive of discrete characteristics, and
wherein the continuous indicator identifies the data set as representative of measurements on a continuous scale;
applying, by the processor, a second rule based decisioning to the first layer of metadata to generate a second layer of metadata,
wherein the second layer of metadata comprises the primary key indicator, the type indicator, the categorical indicator, and the continuous indicator,
wherein the second layer of metadata is descriptive of the first layer of metadata; and
generating, by the processor, an output file from the first layer of metadata or the second layer of metadata.

US Pat. No. 9,934,537

SYSTEM AND METHOD FOR PROVIDING OFFERS THROUGH A SOCIAL MEDIA CHANNEL

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:receiving, by a computer based system via a reward card engine, a request to link a social media channel profile of a user with a transaction account profile of the user,
wherein the transaction account profile is associated with a transaction account on a transaction account issuer system and a reward program system,
wherein the reward card engine interfaces with an offer registration system, the reward program system, an offer distribution engine, a merchant system and the transaction account issuer system;
creating, by the computer based system via the reward card engine, a token that associates the transaction account profile of the user and the social media channel profile of the user;
linking, by the computer based system via the reward card engine and based on the token, the transaction account profile of the user and the social media channel profile of the user;
receiving, by the computer based system via the offer registration system, offer information from a merchant system of a merchant,
wherein the offer information includes a social media channel selection;
creating, by the computer based system via the offer registration system and based on the token, an offer at least partially based on the offer information;
customizing, by the computer based system via the offer distribution engine, the offer to be supplemented with functional features for operation within a social media channel and for transmission through the social media channel based on the social media channel selection;
creating, by the computer based system via the offer distribution engine, distribution instructions for the offer;
supplementing, by the computer based system via the offer distribution engine and based on the distribution instructions, the offer with the functional features for operation within the social media channel and for transmission through the social media channel;
receiving, by the computer based system via the reward card engine, transaction information for a transaction from the merchant system;
authorizing, by an authorization server of the computer based system, the transaction with the merchant system in response to a user initiating the transaction with the merchant system using the transaction account,
wherein the authorization is based on a first amount of credit associated with the transaction account;
reducing, by the computer based system via the reward card engine, an amount of available credit for the transaction account by a transaction amount included with the authorization;
identifying, by the computer based system via the reward card engine and in response to the authorizing, the merchant as an identified merchant based on the transaction originating with the merchant system;
selecting, by the computer based system via the reward card engine and in response to the accessing, the offer associated with the identified merchant based on the activity information;
transmitting, by the computer based system via the offer distribution engine, the distribution instructions and the offer to the social media channel corresponding to the social media channel selection,
wherein the social media channel includes the functional features with the offer and transmits and displays the offer based on the supplementing,
wherein the social media channel displays the offer with an add to card button,
wherein the social media channel receives a selection of the add to card button,
wherein the social media channel submits the selection of the add to card button as activity information to the computer based system;
receiving, by the computer based system via the reward card engine and from the social media channel, the activity information associated with a social media channel profile,
wherein the activity information is indicative of an interaction in the social media channel with the offer;
analyzing, by the computer based system via the reward card engine and in response to the selecting, a transaction amount, offer parameters, an attribute of the transaction account, and a transaction date to determine that the transaction information qualifies for the offer;
applying, by the computer based system via the reward card engine and in response to receiving the selection of the add to card button, the offer as a credit to the transaction in the transaction account during a settlement operation;
adjusting, by the computer based system via the reward card engine, the amount of the available credit for the transaction account, in response to the applying the offer; and
linking, by the computer based system via the reward card engine, the offer with the transaction information associated with the transaction and based on the registering the transaction account with the rewards program.

US Pat. No. 9,916,594

MULTIDIMENSIONAL PERSONAL BEHAVIORAL TOMOGRAPHY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
organizing, by a computer based system, consumer attributes and change attributes according to correlations of the consumer
attributes and the change attributes, to create a set of composite dimensions,

wherein the change attributes comprise trends,
wherein the change attributes comprise extent of change and rates of change of the consumer attributes;
wherein the composite dimensions are established based on a positive correlation between the consumer attributes and the change
attributes;

plotting, by the computer based system, consumers relative to the set of composite dimensions on a multi-dimensional space;
grouping consumers, by the computer based system, according to location within the multidimensional space to create a consumer
group within the multidimensional space; and

providing, by the computer based system, a chart that includes the plotting and the grouping.

US Pat. No. 9,898,484

SYSTEMS, METHODS, AND APPARATUSES FOR CREATING A SHARED FILE SYSTEM BETWEEN A MAINFRAME AND DISTRIBUTED SYSTEMS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
receiving, by a data processing appliance, a workflow from at least one of a mainframe computing resource or a distributed
computing resource;

receiving, by the data processing appliance, data from at least one of the mainframe computing resource or the distributed
computing resource;

preparing, by the data processing appliance and in real-time as the data is received, the data for at least one of the mainframe
computing resource or the distributed computing resource;

streaming, by the data processing appliance and contemporaneously with the preparing, the data for at least one of the mainframe
computing resource or the distributed computing resource;

receiving, by the data processing appliance, the data that has been processed in a second format by the distributed computing
resource;

converting, by the data processing appliance, the processed data from the second format to a first format;
receiving, by the data processing appliance, the data that has been processed in the first format by the mainframe computing
resource;

converting, by the data processing appliance, the processed data from the first format to the second format; and
writing, by the data processing appliance and contemporaneously with the converting, the processed data in the second format
to at least one of a data library or the distributed computing resource, wherein:

the mainframe computing resource is configured to communicate securely with the data library through a first interface and
the data processing appliance is configured to communicate with the data library through a second interface, and

the processed data in the second format is stored in a first portion of the data library that is segregated from a second
portion of the data library that had been processed in the first format by the mainframe computing resource.

US Pat. No. 9,898,779

CONSUMER BEHAVIORS AT LENDER LEVEL

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
storing, by an account default prediction computer based system, account default predictions and spend predictions in a database
as ungrouped data elements via a fixed memory offset using a binary large object method with different data sets from different
owners with different formats;

annotating, by the account default prediction computer based system, the account default predictions and the spend predictions
with a header, trailer or indicator to convey information for managing the account default predictions and the spend predictions;

annotating, by the account default prediction computer based system, the account default predictions and the spend predictions
to include security information establishing access levels;

providing, by the account default prediction computer based system, based on the security access level and in response to
updating a permissions indicator, access to the account default predictions and the spend predictions;

designating, by the account default prediction computer based system, a type of the account default predictions and the spend
predictions as a key field in a plurality of related data tables to speed searching for the data;

linking, by the account default prediction computer based system, the plurality of related data tables based on the type of
the account default predictions and the spend predictions in the key fields;

partitioning, by the account default prediction computer based system and using the key field, the database according to a
class of objects defined by the key field to speed searching for the account default predictions and the spend predictions;

sorting, by the account default prediction computer based system, the account default predictions and the spend predictions
according to a known order to simplify the lookup process;

obtaining, by the account default prediction computer based system, the account default predictions and the spend predictions
from the database;

determining, by the account default prediction computer based system, a first risk index associated with an installment account
issued by a first lender based on the account default predictions and the spend predictions,

wherein the data for determining the account default predictions and the spend predictions is obtained from transaction processing
systems having merchant servers and processing servers,

determining, by the account default prediction computer based system, a second risk index associated with an installment account
issued by a second lender; and

creating, by the account default prediction computer based system, a risk index ranking of the first lender and the second
lender based upon the first risk index and the second risk index,

wherein the risk index ranking is used to determine a credit decision for a consumer.

US Pat. No. 9,818,102

SECURE EXCHANGE OF INDICIA OF VALUE AND ASSOCIATED INFORMATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a financial transaction computer and using an offer management application, a data packet containing a code
representing an indicium of value from a customer during a financial transaction,

wherein said indicium of value represents an offer comprising at least one of a coupon or a discount,
wherein said indicium of value includes said code;
wherein said indicium of value is obtained by said customer from a webpage;
wherein said indicium of value is also stored in a financial account;
wherein a merchant, an authorized amount and identification (ID) information are tagged in a database to be associated with
said indicium of value;

wherein said ID information includes data fields which identify customer name, customer address and customer date of birth;
wherein said indicium of value is issued to said customer, in response to said financial transaction computer checking with
a merchant system to determine that a tipping point of a predetermined number of said indicia of value were issued;

comparing, by said computer using said offer management application, said merchant, said authorized amount and said ID information
associated with said indicium of value against a record in said database of valid indicia of value,

wherein a data packet of said record is received from a coupon issuer system that issued said indicium of value,
wherein, in response to said merchant, said authorized amount and said ID information satisfying said record of said valid
indicia of value, said at least one of said coupon or said discount is validated by said merchant system of said merchant
using a validate operation;

reading, by said computer using said offer management application, a value represented in said indicium of value;
applying, by said computer using said offer management application conducting a completion operation, said value to at least
a portion of an amount of said financial transaction in response to said at least one of said coupon or said discount being
validated by said merchant system using said validate operation; and

in response to said amount of said financial transaction exceeding said value based on a balance operation:
inspecting, by said computer using said offer management application, said indicium of value for an additional value approved
for use by said customer,

wherein said computer obtains said additional value from a financial account issuer system; and
applying, by said computer using said offer management application, said additional value to a remaining amount of said amount
of said financial transaction;

wherein said financial account is associated with said ID information; and
sharing, by said computer using said offer management application, a data packet of information related to said financial
transaction with said merchant system, said coupon issuer system and said financial account issuer system that issued said
financial account.

US Pat. No. 9,805,103

CALLABLE CHANGE RECORD DATA

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method comprising:
executing, by a computer-based system, for a child interval control element (ICE) Chain, an application service program that
captures data from a plurality of databases;

creating, by the computer-based system and in response to the executing, a consumption ready record,
wherein the consumption ready record is written to a cache table,
wherein requests for information associated with a change record in a master change table are available for retrieval without
additional computation,

wherein changes to the consumption ready record are populated as current data, in response to changes to the data, and
wherein responses to requests for calculations of the current data related to an associated account are available, without
a need to perform the calculations in the responses to the requests; and

providing, by the computer-based system, real-time availability of the change record from a pre-stored cache associated with
the master change table.

US Pat. No. 9,760,735

ANONYMOUS INFORMATION EXCHANGE

AMERICAN EXPRESS TRAVEL R...

1. A computer-implemented method for exchanging information between a first entity and a second entity comprising:
receiving, by a computer-based system operated by a third entity, personally identifiable information of customers of the
first entity from the first entity;

receiving, by the computer-based system, personally identifiable information of customers of the second entity from the second
entity;

comparing, by a the computer-based system, personally identifiable information of customers of a first entity with personally
identifiable information of customers of a second entity;

identifying, by the computer-based system and in response to the comparing, a common customer between the first entity and
the second entity;

transmitting, by the computer-based system, a list of customers comprising the common customer and a non-common customer to
the second entity, wherein the common customer and the non-common customer are provided to the computer-based system by the
second entity;

receiving, by the computer-based system and from the second entity, test results from an advertising campaign involving the
common customer and the non-common customer;

removing, by the computer-based system, non-common customer test result data;
storing, by the computer-based system, an anonymous record comprising common customer test result data; and
providing, by the computer-based system, the anonymous record to the first entity.

US Pat. No. 9,754,278

SYSTEM AND METHOD FOR PURCHASING IN A DIGITAL CHANNEL

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
linking, by a payment processing computer based system, a transaction account profile for a transaction account with a broadcast
channel profile for a broadcast channel;

establishing, by the computer based system and based on the linking the transaction account profile with the broadcast channel
profile, a registration identifier;

receiving, by the computer based system, a broadcast from a broadcast channel,
wherein the broadcast includes a functional indicator that provides an indication of a merchant and a transaction account
for conducting the purchase;

identifying, by the computer based system and in response to receiving the broadcast, the functional indicator in the broadcast;
comparing, by the computer based system and in response to the identifying, the functional indicator in the broadcast to a
purchase criteria;

determining, by the computer based system and based on the comparing, that the broadcast triggers the purchase;
determining, by the computer based system and in response to the determining that the broadcast triggers the purchase, that
the transaction account is linked to the broadcast channel profile for conducting the transaction;

determining, by the computer based system, that a user has designated that the transaction account can be used to make purchases;
identifying, by the computer based system, an item based on the functional indicator in the broadcast and the purchase criteria;
initiating, by the computer based system, the transaction for the item;
determining, by the computer based system, in real-time, and in response to the initiating, availability of the item based
on an inventory status of the item in response to the broadcast and the identifying the item;

requesting, by the computer based system, in real-time, through the mobile device via the broadcast channel, and in response
to the determining availability of the item, an input confirming the broadcast is for the purchase of the item;

receiving, by the computer based system and via the mobile device, the input confirming the broadcast is for the purchase
of the item,

wherein the input further confirms that the transaction is authentic;
authorizing, by the computer based system and in response to the receiving the input, the transaction based on transaction
information;

determining, by the computer based system, that the transaction qualifies for a reward in response to the broadcast at least
partially satisfying the purchase criteria;

accessing, by the computer based system and in response to the authorizing, a plurality of offers associated with a plurality
of merchants;

selecting, by the computer based system and in response to the accessing, a subset of the plurality of offers associated with
the merchant;

determining, by the computer based system and in response to the selecting, that the transaction information qualifies for
a first offer of the subset of the plurality of offers based on offer parameters;

linking, by the computer based system and in response to the determining, the offer with the registration identifier;
associating, by the computer based system and in response to the linking with the registration identifier, the first offer
with the transaction account based on the registration identifier;

providing, by the computer based system and contemporaneously with and in response to the associating the offer with the transaction
account, offer notification instructions for the offer to the broadcast channel and based on the registration identifier,

wherein the offer instructions are for the first offer that is associated with the item and the merchant; and
crediting, by the computer based system, a discount associated with the first offer to the transaction in the transaction
account.

US Pat. No. 9,697,529

SYSTEMS AND METHODS FOR TAILORING MARKETING

AMERICAN EXPRESS TRAVEL R...

8. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored
thereon that, in response to execution by a tailoring marketing computer-based system, cause the computer-based system to
be capable of performing operations comprising:
analyzing, by the computer-based system, transaction data associated with a consumer, wherein the transaction data is acquired
from a merchant server;

determining, by the computer-based system and based on the analyzing, a consumer preference associated with a type of merchant,
determining, by the computer-based system, a consumer relevance value associated with a merchant based upon the consumer preference,
an industry of the merchant, a consumer profile, a transaction history associated with the consumer, social data, demographic
data, clickstream data, consumer feedback data and a plurality of merchant to merchant similarity values,

wherein the merchant to merchant similarity value is based on pairings of merchants at least one of occurring most often or
are most strongly correlated,

wherein the merchant to merchant similarity value is determined by comparing record of charges (ROCs) of a plurality of consumers
at the plurality of merchants,

wherein the merchant to merchant similarity is a result of ROCs by more than one consumer at the plurality of merchants,
wherein the merchant to merchant similarity shows a tendency by the more than one consumer to conduct transactions at the
plurality of merchants,

wherein the merchant to merchant similarity between a first merchant and the plurality of merchants is a result of ROCs by
a first consumer at a first merchant and ROCs by a second consumer at the plurality of merchants including the first merchant,

wherein a first merchant to merchant similarity between a third merchant and the first merchant and a second merchant to merchant
similarity between the third merchant and a second merchant is not as strong of a similarity as between the first merchant
and the second merchant from whom each consumer conducted a transaction,

storing, by the computer-based system, data sets of the consumer relevance value in a database as ungrouped data elements
formatted as a block of binary (BLOB) via a fixed memory offset;

partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by
the key field to speed searching for the consumer relevance value;

linking, by the computer-based system, data tables based on the type of data in the key fields;
annotating, by the computer-based system, the data sets to include security information establishing access levels;
obtaining, by the computer-based system, the consumer relevance value from the database;
generating, by the computer-based system and in response to determining the consumer relevance value, a merchant matrix having
coefficients indicating that the merchants are associated,

wherein each of the coefficients includes a record of charge (ROC) of the consumer with the merchant,
wherein the ROC indicates the consumer conducted a transaction with the merchant,
wherein the ROC includes a number of transactions the consumer conducted with the merchant,
wherein the number of transactions is capped at a maximum value,
adjusting, by the computer-based system, the consumer relevance value based on the association between merchants from the
merchant matrix, the coefficients, a collaborative filtering, the merchant goal and a business rule,

wherein the merchant goal is at least one of acquiring only new consumers, tailoring existing consumers of the merchant, or
tailoring all consumers, and

wherein the business rule is at least one of a holiday, a particular time of day, the consumer is traveling, the merchant
is associated with another merchant who is a particular distance away or near to a location of the consumer, the consumer
has indicated a preference not to receive the offers associated with the merchant;

associating, by the computer-based system, criteria with the merchant;
obtaining, by the computer-based system, social data from a social media website about the merchant;
comparing, by the computer-based system and based on matching rules, the criteria with the social data from the social media
website about the merchant to determine a social media association between the criteria for the merchant and the social media
data about the merchant;

providing, by the computer-based system, a higher ranking for the merchant based on the social media association and the consumer
relevance value;

transmitting, by the computer-based system and in response to the adjusting, via an app and based on the consumer preference,
information associated with the merchant to a web client associated with the consumer;

monitoring, by the computer-based system, real time transaction information associated with the consumer;
receiving, by the computer-based system, a request for a recommendation for the plurality of merchants from the consumer device;
adjusting, by the computer-based system, the consumer relevance value of the merchant based on the real time transaction information
and in response to the request for the recommendation;

ranking, by the computer-based system, the plurality of merchants in a ranked list based on the real time transaction information;
and

transmitting, by the computer-based system, the ranked list in real time and in response to the request for the recommendation.

US Pat. No. 9,635,059

SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR ADAPTING THE SECURITY MEASURES OF A COMMUNICATION NETWORK BASED ON FEEDBACK

AMERICAN EXPRESS TRAVEL R...

1. A method for adapting a security system based on security-related data associated with a communication network, the method
comprising steps of:
generating, by a sensor associated with a mobile communication device, a risk variable based on location data associated with
the mobile communication device;

transmitting, by the mobile communication device, the location data associated with the mobile communication device to a trust
mediator over the communication network;

receiving, by the mobile communication device from the trust mediator communicatively coupled to the mobile communication
device by way of the communication network, a determined time interval at which to collect security-related data for the risk
variable generated by the sensor based on the location data associated with the mobile communication device;

collecting, by a trust mediator agent associated with the mobile communication device, the security-related data for the risk
variable periodically at the determined time interval;

transmitting, by the mobile communication device to the trust mediator over the communication network, the collected security-related
data;

receiving, by the mobile communication device, instructions corresponding to a security safeguard modification from the trust
mediator over the communication network, the security safeguard modification being based on at least one of the collected
security-related data and a predetermined rule; and

modifying, by the trust mediator agent, the security safeguard by executing the instructions received from the trust mediator.

US Pat. No. 9,514,468

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system configured for creating a consumer profile, direct data indicating an interest in receiving
specific content and digital destination browsing information, wherein the direct data includes a cookie identification (ID):

collecting, by the computer-based system, indirect data to create collected indirect data; determining, by the computer-based
system, preferences associated with the direct data and the collected indirect data,

wherein the preferences are based on patterns associated with the direct data, the collected indirect data and the digital
browsing information, and

wherein the preferences are based on at least one of threshold percentages or threshold amounts of consumer purchases associated
with the preferences associated with a category;

determining, by the computer-based system, a digital destination associated with the preferences based on the digital destination
browsing information;

parsing or indexing, by the computer-based system, the digital destination to identify more of the preferences;
deleting, by the computer-based system, at least a portion of private information from the direct data;
summarizing, by the computer-based system, at least a portion of the direct data to further protect the private information;
ranking, by the computer-based system, the preferences based on rules, spending associated with the preferences, consumer
input of preferences, consumer input of a ranking or browsing frequency to the digital destination associated with the preferences;

weighting, by the computer-based system, the preferences based on the collected indirect data, the direct data and the consumer's
acceptance of a tailored offer delivered to the consumer, wherein the weighting indicates how strongly the consumer prefers
content associated with the preferences,

wherein the weighting indicates how likely the consumer will accept the tailored offer related to the preferences, and
wherein the weighting indicates how likely the consumer will select content related to the preferences at the digital destination;
receiving, by the computer-based system, consumer input that certain data, transaction history, digital destinations, preferences
and data from certain timeframes should not serve as a basis for the consumer profile;

aggregating, by the computer-based system, the consumer profile based upon the direct data, the collected indirect data, the
interest, the digital destination browsing information based on the cookie ID, the ranking, the weighting, the consumer input,
and the preferences; storing, by the computer-based system, the consumer profile in a database; including, by the computer-based
system, a key field in the database to speed searches; tuning, by the computer-based system, the database to optimize database
performance,

wherein the tuning includes placing frequently used files on separate file systems to reduce in and out bottlenecks;
receiving, by the computer-based system, consumer tracking cookie information stored on a web client based on the cookie ID;
and

transmitting, by the computer-based system and in response to receiving the consumer tracking cookie information, the consumer
profile to a data partner system, wherein the data partner system compares content to the consumer profile and identifies
tailored content based on the comparing.

US Pat. No. 10,304,129

KNOWN NEAREST NEIGHBOR (KNN)

AMERICAN EXPRESS TRAVEL R...

1. A network comprising:a host processor; and
a tangible, non-transitory memory configured to communicate with the host processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the host processor, cause the host processor to perform operations comprising:
evaluating, by the host processor, a distance between a cluster value of each sets of account holders and a corresponding value of a field of a record comprising a new account holder;
determining, by the host processor and based on the evaluating, a new-accountholder-to-cluster-value distance;
adding, by the host processor, a cluster proximity of each of the sets of the account holders to the new-accountholder-to-cluster-value distance of the sets of the account holders to form an outer radius boundary of the sets of the account holders comprising a distance from the new account holder to a farthest most boundary of each of the sets of account holders, wherein the outer radius boundary of the sets of the account holders comprises a sum of the cluster proximity and the new-accountholder-to-cluster-value distance;
receiving, by the host processor, a first ceiling number radius comprising a distance from the new account holder encircling a first ceiling number of records; and
discarding, by the host processor, each of the sets of the account holders with the new-accountholder-to-cluster-value distance that is not located within a portion of the sets of the account holders within the first ceiling number radius.

US Pat. No. 10,019,719

SYSTEMS FOR AUTHORIZATION OF REWARD CARD TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by an account server over the Internet via a payment gateway having an application service provider, an authorization request for a transaction performed using a reward account,
wherein the authorization request is encrypted, and
wherein the reward account is at least one of a charge account or a credit account;
determining, by the account server communicating with a reward server, that the reward account is associated with a debit account,
wherein the account server and the reward server are linked through a communication network;
obtaining, by the account server communicating with the reward server, an available funds balance in the debit account;
determining, by the account server, the available balance by deducting a debit amount incurred by the debit account from the available funds balance;
updating, by the account server using an updating module and at an end of a billing cycle associated with the reward account, the available balance by deducting an amount of the transaction incurred by using the reward account from a line of credit available in the debit account;
comparing, by the account server and in real-time, an amount of the transaction to the available balance in the debit account linked to the reward account prior to transmitting an authorization message for the transaction, wherein the debit account is at least one of a customer checking account or a customer savings account;
determining, by the account server, in real-time and based on the comparing, at least one of that the available balance is a pre-defined amount greater than the amount of the transaction, the amount of the transaction is within a pre-defined limit above the available balance or that the available balance is greater than or equal to the amount of the transaction;
authorizing, by the account server, the transaction based on the outcome of the determination; and
transmitting, by the account server, the authorization for the transaction in response to the outcome of the determination.

US Pat. No. 10,009,324

HOST CARD EMULATION SYSTEMS AND METHODS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:detecting, by a processor of a user device, a point of sale;
receiving, by the processor, a personal identification number (PIN);
generating, by the processor, a PIN based key using a message digest of the PIN;
decrypting, by the processor, a data encryption key (DEK) using the PIN based key;
generating, by the processor, a DEK based dynamic key using the PIN based key;
decrypting, by the processor, a session key using the DEK based dynamic key; retrieving, by the processor and while the user device is automatically connected to a network, a limited use purchase credential (LUPC) that authorizes a purchase,
wherein the session key is stored on the user device,
wherein the session key includes the LUPC,
wherein the session key is used for a plurality of transactions,
generating, by the processor, a cryptogram from the session key while the user device is disconnected from the network; and
sending, by the processor, the cryptogram to the point of sale while the user device is disconnected from the network,
wherein the LUPC is used to authorize the purchase while the user device is disconnected from the network.

US Pat. No. 9,940,630

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a computer-based system and from a portable web client of a consumer, a registration request for a consumer account,
wherein the consumer account is associated with and provides access to a consumer profile;
receiving, by the computer-based system and from the portable web client of the consumer, an authentication request;
wherein the authentication request associated with a digital destination is selectable on the portable web client,
wherein the consumer selects on the portable web client a software-enabled selection for the authentication request associated with the digital destination,
wherein the digital destination is an electronic presentation,
authenticating, by the computer-based system, the consumer to the consumer account from the digital destination,
wherein the consumer remains authenticated to the consumer account for a period of time;
registering, by the computer-based system, the portable web client of the consumer to receive the consumer account to enable the portable web client of the consumer to contribute direct data;
receiving, by the computer-based system, the direct data from the portable web client of the consumer;
receiving, by the computer-based system, a registration request from a data partner system for a data partner account,
wherein the data partner account enables the data partner system to transmit direct data associated with the consumer to a trusted system;
enabling, by the computer-based system, the data partner system to transmit the direct data associated with the consumer;
enabling, by the computer-based system, the data partner system to receive the consumer profile associated with the consumer;
receiving, by the computer-based system, the direct data from the data partner system, without the data partner system being authenticated to the data partner account;
validating, by the computer-based system, the data partner account and the direct data from the data partner system;
receiving, by the computer-based system, indirect data from a plurality of sources;
receiving, by the computer-based system, a limitation request from the portable web client of the consumer to limit the consumer profile to a first subset of the direct data and a second subset of the indirect data;
transmitting, by the computer-based system, cookies to the portable web client of the consumer;
obtaining, by the computer-based system, browsing information about the consumer from the cookies on the portable web client of the consumer;
updating, by the computer-based system, the consumer profile with the direct data, indirect data and the browsing information;
determining, by the computer-based system, preferences of the consumer from the consumer profile;
comparing, by the computer-based system, content to the preferences in the consumer profile;
determining, by the computer-based system, that a subset of the preferences of the consumer from the consumer profile satisfy a subset of content and metadata associated with the subset of content;
identifying, by the computer-based system, tailored content for the digital destination based upon the subset of the content,
wherein the tailored content is submitted by the data partner system to the trusted system,
wherein the trusted system filters the tailored content to create filtered tailored content,
wherein the filtered tailored content is filtered by rules,
wherein the rules are based on low priced bids during a bidding period from the data partner system; and
tailoring, by the computer-based system, the digital destination based upon the filtered tailored content,
wherein the trusted system delivers the filtered tailored content to the portable web client of the consumer.

US Pat. No. 9,922,187

SYSTEM AND METHOD FOR ACCESSING A TOUCH ENABLED DEVICE

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
determining, by a processor in electronic communication with a device having a touch sensitive interface, a first location
of a first input, a first touch pressure of the first input and a first amount of an entire time the first input is in contact
with the touch sensitive interface, in response to receiving the first input on the touch sensitive interface;

determining, by the processor, a second location of a second input, a second touch pressure of the second input, and a second
amount of the entire time the second input is in contact with the touch sensitive interface, in response to receiving the
second input on the touch sensitive interface;

determining, by the processor, a third location of a third input, a third touch pressure of the third input, and a third amount
of the entire time the third input is in contact with the touch sensitive interface, in response to receiving the third input
on the touch sensitive interface;

comparing, by the processor, the first location, the second location, the third location, the first touch pressure, the second
touch pressure, the third touch pressure, along with the combination of the first amount of the entire time, the second amount
of the entire time and the third amount of the entire time to a unique touch pattern; and

granting, by the processor, access to the device, in response to the comparing being a success.

US Pat. No. 9,846,872

SECURE EXCHANGE OF INDICIA OF VALUE AND ASSOCIATED INFORMATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a financial transaction computer and from a coupon issuer system, a data packet including offer information
associated with an offer from a merchant system associated with a merchant;

receiving, by said computer, a data packet including a request to purchase said offer;
receiving, by said computer, a data packet including a request to apply for a transaction account;
obtaining, by said computer and in response to said receiving said request to purchase said offer and said request to apply
for said transaction account, a data packet including identification (ID) information about a customer using a customer system,

wherein said ID information identifies customer name, customer address and customer date of birth;
obtaining, by said computer and in response to said receiving said request to purchase said offer and said request to apply
for said transaction account, a data packet including application data for said transaction account from said customer system;

receiving, by said computer and in response to said receiving said request to purchase said offer, a data packet including
payment information for a value of said offer;

in response to said receiving said payment information, processing, by said computer, said payment information to obtain said
value;

providing, by said computer and in response to said request to apply for said transaction account, said application data,
said ID information and said offer in a data packet to a financial account issuer system,

wherein said financial account issuer system approves said application data to issue said transaction account to said customer
system,

wherein said ID information and said value are associated with an indicium of value,
wherein said indicium of value is issued to said customer system, in response to said computer checking with said merchant
system to determine that a tipping point of a predetermined number of said indicia of value were issued;

wherein said financial account issuer system provides an account code of said transaction account to said customer system,
wherein said account code is associated with said indicium of value, said ID information and said value;
wherein said indicium of value is stored in said transaction account;
wherein said account code facilitates a purchase transaction using said indicium of value,
wherein said account code facilitates said purchase transaction using said value,
wherein said account code facilitates said purchase transaction using a line of credit,
transmitting, by said computer and in response to said receiving said request to purchase said offer, a data packet including
a record of said indicium of value, including said ID information of said indicium of value, to a merchant system associated
with said offer;

comparing, by said computer, said merchant system, said authorized amount and said ID information associated with said indicium
of value against a record of valid indicium of value, said record of said valid indicium of value received from said coupon
issuer system of said indicium of value,

wherein, in response to said merchant system, said authorized amount and said ID information matching said record of said
valid indicium of value, said indicium of value is validated by said merchant system;

crediting, by said computer and in response to said validation, a first portion of said value to at least one of a merchant
account associated with said merchant system or a coupon issuer account associated with said coupon issuer system; and

in response to a cost of said purchase transaction exceeding said value, sending an electronic charge instruction, by said
computer, to said account code associated with said transaction account,

wherein said transaction account is associated with said ID information;
sharing, by said computer, data packets including information related to said purchase transaction with said merchant system,
said coupon issuer system and said financial account issuer system that issued said transaction account;

receiving, by said computer and from said merchant system, a data packet including a settlement request comprising said ID
information, wherein said customer system uses said indicium of value to fund at least a portion of said purchase transaction,
and wherein said merchant system verifies said indicium of value based upon said record of said indicium of value; and

in response to said receiving said settlement request:
updating, by said computer, said ID information to reflect said funding of said purchase transaction by said indicium of value,
wherein said updating is performed by a third party processor; and

transmitting, by said computer, an electronic credit instruction for a second portion of said value to at least one of said
merchant account associated with said merchant system or said coupon issuer account associated with said coupon issuer system.

US Pat. No. 9,846,894

IDENTIFYING AND DELIVERING TAILORED CONTENT BASED A REMINDER

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
identifying, by a computer-based system, tailored content based upon a reminder associated with a consumer;
wherein the tailored content comprises a plurality of tailored options;
identifying, by the computer-based system, consumer preferences for the consumer,
wherein the consumer preferences are ranked based on spending amount, a weighting factor, a highest percentage of spending
and frequency of a behavior;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator
(URL), the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the
tailored content;

communicating, by the computer-based system and to a web client, the tailored content with tailored options related to the
reminder; and

receiving, by the computer-based system, a selection of the tailored options.

US Pat. No. 9,779,265

ENCRYPTION KEY EFFECTIVE DATE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
concatenating, by a computer based system, a first encryption key identifier with a first encrypted data element to form a
protected data field entry;

associating, by the computer based system, an effective date with the first encryption key based on a date the first encrypted
data element was encrypted via the first encryption key,

wherein the effective date is the first encryption key identifier,
wherein the effective date is stored in an encryption keystore database;
retrieving, by the computer based system and in response to an encryption key change based on the effective date, a second
encryption key;

decrypting, by the computer based system and based on the first encryption key identifier, the first encrypted data element
with the first encryption key to create a data element;

encrypting, by the computer based system, the data element with the second encryption key to create a second encrypted data
element; and

prepending, by the computer based system, the second encryption key identifier to the second encrypted data element,
wherein the second encryption key identifier is stored in the encryption keystore database.

US Pat. No. 9,754,269

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system, a consumer profile in response to a software-enabled selection of an option by a consumer
to tailor a digital destination;

transmitting, by the computer-based system, cookies to a web client associated with the consumer;
obtaining, by the computer-based system, browsing information about the consumer from the cookies on the web client associated
with the consumer;

receiving, by the computer-based system, an update to the consumer profile;
including, by the computer-based system, the browsing information about the consumer from the cookies into the update to the
consumer profile;

receiving, by the computer-based system, a request that a particular data source not serve as a basis for the consumer profile;
receiving, by the computer-based system, a request that a certain timeperiod of transaction history associated with the consumer
not serve as a basis for aggregating consumer preferences in the consumer profile;

receiving, by the computer-based system, a request that preference data obtained from the interaction of the web client of
the consumer with the digital destination not serve as a basis for aggregating consumer preferences in the consumer profile,

wherein the digital destination is an online content provider website;
receiving, by the computer-based system, a request that at least one of a preference or a subpreference not be used as a basis
for aggregating consumer preferences in the consumer profile;

tailoring, by the computer-based system, the digital destination based upon the consumer profile and tailored content identified
based upon the consumer profile; and

enabling, by the computer-based system, the web client of the consumer to engage in a transaction for an item with a data
partner system associated with the digital destination,

wherein the transaction is associated with the tailored content,
wherein a trusted system facilitates the transaction for the item,
wherein the consumer does not provide a subset of personal information to the data partner system, and instead, provides the
subset of personal information to the trusted system, such that the trusted system preserves the consumer's anonymity and
security,

wherein the data partner system receives a payment from the web client of the consumer for the item,
wherein the data partner system does not receive information about a consumer account of the consumer,
wherein the trusted system transmits a transaction request for the item to the data partner system,
wherein the data partner system indicates an inventory status of the item,
wherein the trusted system remits payment to the data partner system, based on the item being available, and
wherein the data partner system makes the item available to the consumer.

US Pat. No. 9,754,271

ESTIMATING THE SPEND CAPACITY OF CONSUMER HOUSEHOLDS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
extracting, by a computer-based system and using a first application programming interface (API) having continuous access,
current spending data for a consumer from a transaction processing system internet website that processed the spending data
for the consumer;

extracting, by the computer-based system and using a second API having continuous access, current consumer panel data from
consumer research companies' internet websites;

extracting, by the computer-based system and using a third API having continuous access, current consumer tradeline data from
consumer credit companies' internet websites,

wherein the extracting steps provide continuous access to the current spending data, the current consumer panel data, and
the current consumer tradeline data;

modeling, by the computer-based system, consumer behavior and attributes including the consumer panel data and the consumer
tradeline data, by using time series tradeline data and raw tradeline data;

enhancing, by the computer-based system, validation and refinement of an accuracy of the modeling via the continuous access
to the current spending data, the current consumer panel data and the current consumer tradeline data;

verifying, by the computer-based system and periodically on an ongoing basis, an applicability of the modeling to the consumer;
determining, by the computer-based system and based on the modeling, a plurality of tradelines using point in time balance
information;

associating, by the computer-based system, the plurality of tradelines with a household of the consumer;
removing, by the computer-based system, tradelines associated with a supplemental consumer in the plurality of tradelines
from consideration in calculating a household size of wallet of the consumer, to create a subset of tradelines; and

calculating, by the computer-based system, the household size of wallet based on the subset of tradelines.

US Pat. No. 9,715,696

SYSTEMS AND METHODS FOR TARGETING AD IMPRESSIONS

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with the processor,the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause
the processor to perform operations comprising:
transmitting, by the processor and in response to receiving, a list of customer records to a service provider system,
wherein the list of customer records is created based on a type of customer to be targeted by a merchant as part of a campaign
request,

wherein the service provider system identifies a matched customer by analyzing personally identifying information (“PII”)
from the list of customer records and

wherein the identifying the matched customer is based on the PII from a transaction account issuer system matching the PII
stored by the service provider system,

wherein a cookie is installed on a web client associated with the matched customer,
wherein the cookie is installed by at least one of the service provider system or the transaction account issuer system,
wherein the cookie is an anonymized cookie that is stripped of PII that is associated with the matched customer,
wherein the matched customer is part of an anonymized list of matched customers,
wherein the anonymized list of matched customers comprises cookie data associated with each matched customer and excludes
the PII;

transmitting, by the processor and based on the installing of the cookie, the campaign request to the service provider system,
wherein the service provider system tags the cookie with a tag based on the campaign request
wherein the tag includes instructions for instructing a media buyer system to bid on the ad impression for the matched customer
based on the tag,

wherein upon navigating to a website, the cookie is transmitted from the web client to the media buyer system to indicate
that the matched customer is online,

wherein the media buyer system purchases the ad impression that is sent to the matched customer;
modifying, by the processor and based on tagging the cookie, a flag associated with the cookie to at least one of: associate
or disassociate the matched customer with at least one of: a category or type of the ad impression;

identifying, by the processor and based on the modifying, a first expenditure associated with the matched customer that received
the ad impression;

comparing, by the processor, the first expenditure to a second expenditure associated with a customer that did not receive
the ad impression based on the campaign request but fits parameters associated with the campaign request; and

generating, by the processor, a report showing the results of the comparing.

US Pat. No. 9,715,697

SYSTEMS AND METHODS FOR TARGETING AD IMPRESSIONS

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause
the processor to perform operations comprising:

determining, by the processor and in response to receiving, a first group of customers for an ad impression;
selecting, by the processor and based on the determining, a second group of customers based on look alike modeling of the
first group of customers;

transmitting, by the processor and in response to the selecting, a list of customer records containing the first group of
customers and the second group of customers to a service provider system,

wherein the list of customer records is created based on at least one of a product identifier or a type of customer to be
targeted by a merchant as part of a campaign request,

wherein the service provider system identifies a matched customer,
wherein the identifying the matched customer is based on personally identifying information (PII) from a transaction account
issuer system matching the PII stored by the service provider system,

wherein a cookie is installed on a web client associated with the matched customer,
wherein the cookie is installed by at least one of the service provider system or the transaction account issuer system,
wherein the cookie is an anonymized cookie that is stripped of PII that is associated with the matched customer,
wherein upon navigating to a website, the web client transmits the cookie to at least one of the service provider system or
the transaction account issuer system that has a relationship with the website to indicate that the matched customer is online,

wherein the matched customer is part of an anonymized list of matched customers,
wherein the anonymized list of matched customers comprises cookie data associated with each matched customer and excludes
the PII;

transmitting, by the processor and in response to installing the cookie, the campaign request to the service provider system,
wherein the service provider system tags the cookie with a tag based on the campaign request,
wherein the tag includes instructions for instructing a media buyer system to bid on the ad impression for the matched customer
based on the tag,

wherein upon navigating to a website, the cookie is transmitted from the web client to the media buyer system to indicate
that the matched customer is online,

wherein the media buyer system purchases the ad impression that is sent to the matched customer;
modifying, by the processor and in response to tagging the cookie, the cookie to at least one of: associate or disassociate
the matched customer with at least one of: a category or type of the ad impression;

identifying, by the processor and based on the modifying, a first expenditure associated with the matched customer that received
the ad impression;

comparing, by the processor, the first expenditure to a second expenditure associated with a customer that did not receive
the ad impression based on the campaign request but fits parameters associated with the campaign request; and

generating, by the processor, a report showing the results of the comparing.

US Pat. No. 9,710,795

SYSTEM AND METHOD FOR EXECUTING CASH PAYMENTS VIA A COMPUTER NETWORK

AMERICAN EXPRESS TRAVEL R...

1. A system comprising:
a processor,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause
the processor to be configured for performing operations comprising:

selecting, by the processor and according to a terminal type data code contained in a payment request, an automated teller
machine control server native format from a plurality of automated teller machine control server native formats to determine
a matching protocol interface, wherein the automated teller machine control server native format enables communications between
a cash payment server executing request translation software and an automated teller machine control server, wherein the automated
teller machine control server native format and a cash payment server native format are not interoperable;

translating, by the processor and using the request translation software, the payment request into the automated teller machine
control server native format, wherein the payment request is associated with a transaction between a payor and a payee;

transmitting, by the processor, the payment request to an automated teller machine for dispensing a payment in compliance
with the payment request.

US Pat. No. 9,710,822

SYSTEM AND METHOD FOR CREATING SPEND VERIFIED REVIEWS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:
receiving, by a computer based system, channel profile information from a digital channel;
providing, by the computer based system and via the digital channel, syncing instructions for the digital channel;
receiving, by the computer based system and via the digital channel and based on the synching instructions, synching requests
from a plurality of transaction account holders;

syncing, by the computer based system and in response to the synching requests, a plurality of transaction accounts of the
plurality of transaction account holders with the digital channel over a network;

storing, by the computer based system and in response to the synching over the network, the plurality of transaction accounts
to create stored information;

obtaining, by the computer based system and in response to the receiving the channel profile information, merchant information
for a subset of merchants;

tracking, by the computer based system and in response to the synching over the network, the plurality of transaction accounts
synched with the digital channel and used at the subset of merchants;

comparing, by the computer based system and in response to the tracking, merchant transaction information in a financial transaction
of a merchant of the subset of merchants for an item with the stored information about a transaction account holder of the
plurality of transaction account holders;

authorizing, by the computer based system, a transaction account for the item;
receiving, by the computer based system and from the digital channel, a request to verify that the transaction account holder
conducted the financial transaction with the merchant;

verifying, by the computer based system and based on the merchant transaction information, that the transaction account holder
used the transaction account that is of the plurality of transaction accounts to transact in the financial transaction at
the merchant; and

notifying, by the computer based system and in response to the authorization and the verifying, the digital channel about
the authorization of the transaction account and about the transaction account holder conducting the financial transaction
with the merchant.

US Pat. No. 9,712,639

SYSTEM AND METHOD FOR DYNAMIC PROVISIONING OF MOBILE APPLICATION CONTENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
creating, by a computer based system, second content for a mobile application on a mobile device;
creating, by the computer based system, a second manner of displaying the second content in the mobile application;
creating, by the computer based system, a second delivery method based on the second content and based on the second manner
of displaying the second content;

defining, by a computer based system, a host preference for the mobile application, wherein the host preference includes the
second content, the second manner of displaying the second content and the second delivery method;

evaluating, by the computer based system, a device preference based on a request for the second content from the mobile application,
wherein the request is sent from the mobile device to the computer based system in response to a launching of the mobile application,
wherein the request includes the device preference,
wherein the device preference is defined on the mobile device, and
wherein a user creates the device preference;
comparing, by the computer based system, the device preference to the host preference;
determining, by the computer based system, that the host preference at least partially satisfies the device preference; and
determining, by the computer based system, the second content from the host preference that corresponds to the device preference;
determining, by the computer based system, the second manner of displaying the second content from the host preference that
corresponds to the device preference;

transmitting, by the computer based system, the second content and the second manner of displaying the second content using
the second delivery method to the mobile device,

wherein the mobile application modifies a first content and a first manner of displaying the first content to comply with
the second content and the second manner of displaying the second content such that the second content and the second manner
of display are included in the mobile application without having to re-deploy the mobile application from a mobile application
store.

US Pat. No. 9,684,909

SYSTEMS AND METHODS FOR PROVIDING LOCATION BASED COUPON-LESS OFFERS TO REGISTERED CARD MEMBERS

American Express Travel R...

1. A method comprising:
associating, by an offer registration system of a computer based system, a transaction account with profile information,
wherein the profile information is associated with an account affiliate and an application capable of providing location information,
wherein the application is capable of operating on a computing device of the account affiliate, and
wherein the computer based system comprises a processor and a tangible, non-transitory memory;
receiving, by a travel system of the computer based system, a travel itinerary;
analyzing, by the computer based system, the travel itinerary to determine a first location of the account affiliate and to
determine a date range, and a plurality merchants associated with the first location,

wherein at least a first portion of the plurality of merchants associated with the first location are not associated with
a home location of the account affiliate;

determining, by the computer based system, a first subset of offers based on the first location;
analyzing, by the computer based system, a changing location of the account affiliate,
wherein the changing location is determined within the date range associated with the travel itinerary, and
wherein the changing location is determined based on a dynamically changing location of the computing device from the first
location;

dynamically updating, by the computer based system, the first subset of offers based on the changing location of the account
affiliate,

wherein the first subset of offers are presented to the account affiliate via the computing device in substantially real-time
and in response to the determining the changing location;

creating, by a rewards system of the computer based system, a user selectable link that is configured to provide access to
the first subset of offers;

transmitting, by the computer based system, a message to the computing device of the account affiliate identifying within
the message the changing location of the account affiliate,

wherein the message comprises the user selectable link;
receiving, by the computer based system, a selection of the link based on selection of the link in the message on the computing
device;

presenting, by the computer based system and via the computing device, offer details to the account affiliate for the first
subset of offers;

providing, by the computer based system, a first notification instruction for the first subset of offers;
associating, by the computer based system, a first offer with the transaction account, in response to an acceptance of the
first offer by the account affiliate based on a second input by the account affiliate to the computing device;

analyzing, by the computer based system, transaction information to determine that a transaction associated with the transaction
account satisfies the first offer; and

crediting, by the computer based system, the reward associated with the first offer to the transaction account.

US Pat. No. 9,569,789

SYSTEM AND METHOD FOR ADMINISTERING MARKETING PROGRAMS

AMERICAN EXPRESS TRAVEL R...

28. A system comprising:
a payment processing processor;
a tangible, non-transitory memory communicating with the processor; and
the processor, when executing a computer program, is capable of performing operation comprising:
receiving, by the payment processing processor and via an offer setup API, partner access preferences for an external partner
system,

wherein the offer setup API is from a plurality of APIs;
authorizing, by the payment processing processor and via the Offer Setup API, the external partner system based on the partner
access preferences in response to information from the external partner system conforming with predefined business rules,

wherein partner access preferences define that the external user is authorized to initiate an offer setup request in accordance
with a business rule associated with the external partner system;

creating, by the payment processing processor and via the offer setup API, an offer setup tool;
determining, by the payment processing processor, user access preferences in response to an input from the external partner
system via a partner registration API;

granting, by the payment processing processor, access to the offer setup tool for the external partner system in response
to the authorizing;

receiving, by the payment processing processor, an offer setup request via the offer setup tool;
parsing, by the payment processing processor, the offer setup request into a plurality of first offer parameters;
validating, by the payment processing processor, the first offer parameter based on the predefined business rules associated
with the external user for creating an offer;

approving, by the payment processing processor, the offer setup request in response to the validating;
creating, by the payment processing processor, a first offer comprising the first offer parameter,
wherein the first offer is associated with a reward program and wherein the first offer comprises a reward;
registering, by the payment processing processor and in response to the creating, a transaction account with a rewards program
system;

linking, by the payment processing processor, the transaction account to a reward program identifier that indicates that the
transaction account is associated with the rewards program system, in response to the registering the transaction account
with the rewards program system,

wherein the transaction account is accessed by the reward program that is configured to distribute offers from an offer database
to the transaction account;

authorizing, by an authorization server of the payment processing processor, a transaction with a merchant system in response
to a consumer system initiating the transaction with the merchant system using the transaction account,

wherein the authorization is based on a first amount of credit associated with the transaction account;
reducing, by the payment processing processor, an amount of available credit for the transaction account by a transaction
amount included with the authorization;

receiving, by the payment processing processor and in response to the authorizing, transaction information for the transaction
from the merchant system for the transaction between the merchant system and the consumer system;

identifying, by the payment processing processor and in response to the authorizing, the merchant system as an identified
merchant system based on the transaction originating with the merchant system;

accessing, by the payment processing processor and in response to the authorizing, a plurality of offers associated with a
plurality of merchants;

selecting, by the payment processing processor and in response to the accessing, a subset of the plurality of offers associated
with the identified merchant system;

analyzing, by the payment processing processor and in response to the selecting, the transaction amount and a transaction
date to determine that the transaction information qualifies for a reward in accordance with the first offer of the subset
of offers;

determining, by the payment processing processor and in response to the selecting, the reward based on the offer parameters,
an attribute of the transaction account, the transaction information, a type of the offer, and a rule;

applying, by the payment processing processor, the reward as a credit to the transaction in the transaction account during
a settlement operation;

adjusting, by the payment processing processor, the amount of the available credit for the transaction account, in response
to the applying the reward;

linking, by the payment processing processor, the reward with the transaction information associated with the transaction
and based on the registering the transaction account with the rewards program system;

generating, by the payment processing processor, a record of the reward associated with the transaction account used to conduct
the transaction, wherein the record of the reward is associated with a charge associated with the transaction information
corresponding to the transaction; and

displaying, by the payment processing processor, an indicator of an amount of the reward on a statement in connection with
the charge corresponding to the transaction.

US Pat. No. 10,437,848

SYSTEMS AND METHODS FOR PARSING AND INGESTING DATA IN BIG DATA ENVIRONMENTS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:validating, by a parsing system, a data file based on parameters having correct values;
writing, by the parsing system, incorrect values to a log file with an error indicating at least one of an incorrect parameter, a detected value, or whether the error was recoverable or resulted in aborting a parsing process;
validating, by the parsing system, a data source and grammar,
wherein the data source comprises a structured format, and
wherein the grammar includes tags in a predetermined format;
identifying, by the parsing system, the tags in the grammar;
identifying, by the parsing system, the data source in a configuration file;
matching, by the parsing system, the tags from the grammar with the tags from the data source;
parsing, by the parsing system and based on the matching, the data source to extract at least one of an attribute or a value associated with each of the tags in response to the validating of the data source being successful; and
writing, by the parsing system, at least one of the attribute or the value to an output file separated by a delimiter,
wherein the output file is a load ready file for ingestion into a distributed file system.

US Pat. No. 10,185,949

SYSTEM AND METHOD FOR AUTHENTICATION OF A MOBILE DEVICE CONFIGURED WITH PAYMENT CAPABILITIES

AMERICAN EXPRESS TRAVEL R...

1. A mobile device comprising:a processor;
a secure element having a secure element processor and secure element memory; and
a tangible, non-transitory memory, configured to communicate with the processor, the tangible, non-transitory memory having thereon an owner verification module, and a mobile device credential database storing a first secret element, and the owner verification module in response to execution by the processor, causes the processor to perform operations comprising:
receiving, by the owner verification module and from a user via a user interface, credential information;
authenticating, by the owner verification module in communication with the processor, that the credential information conforms with mobile device verification information associated with the mobile device that includes the mobile device credential database;
releasing, by the owner verification module and in response to the authenticating, the first secret element to a secure element, wherein the first secret element is associated with a first transaction account, wherein the first secret element is one of a plurality of secret elements;
the secure element memory storing a verification module, that in response to execution by the secure element processor causes the secure element processor to perform operations comprising:
confirming, by the verification module, that the user is an authorized user of the first transaction account, wherein confirming comprises verifying that the first secret element corresponds to an issuer element;
associating, by the verification module, the issuer element with the first transaction account; and
the owner verification module, in response to execution by the processor, causes the processor to perform further operations comprising:
activating, by the owner verification module and based on the associating, the first transaction account for a transaction on the mobile device.

US Pat. No. 10,152,754

SYSTEM AND METHOD FOR SMALL BUSINESS OWNER IDENTIFICATION

AMERICAN EXPRESS TRAVEL R...

1. A small business owner (SBO) identification network host comprising:a processor;
a tangible, non-transitory memory configured to communicate with the processor,
wherein the tangible, non-transitory memory has instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations;
a decisioning engine in communication with the processor and configured to:
extract a consumer base from data elements,
wherein the data elements are from a data element source set associated with consumers, and
wherein the data elements are from a node of a distributed storage system;
create a clean database by identifying the consumers within the consumer base that have a merchant relationship with a transaction account provider, wherein the consumers completed transactions with at least one merchant using a transaction account associated with the transaction account provider;
eliminate a subset of the consumers from the clean database that are associated with the data elements comprising variables that are inconsistent and indicative that the subset of consumers are simultaneously a SBO and a non-SBO; and
determine an SBO score for each of the consumers according to a deterministic rules protocol using a model directive to determine the SBO score; and
a SBO tag decisioner in communication with the processor and configured to receive the SBO score from the decisioning engine and configured to assign a SBO tag to the consumers.

US Pat. No. 10,127,247

LINKING DIGITAL IMAGES WITH RELATED RECORDS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:capturing, by a computer-based system, an image of a receipt;
performing, by the computer-based system, optical character recognition on the image;
creating, by the computer-based system and based on the optical character recognition, a character string;
retrieving, by the computer-based system, a plurality of transactions;
matching, by the computer-based system, the character string with transaction data for the plurality of transactions;
displaying, by the computer-based system, a list of possible transactions from the plurality of transactions which match the character string above a threshold level, wherein the threshold level represents a percentage likelihood of a match to the image;
receiving, by the computer-based system, a selection of a matching transaction from the list of possible transactions; and
transmitting, by the computer-based system, the image to an issuer system.

US Pat. No. 10,127,435

SYSTEMS AND METHODS FOR AUTHENTICATING FACIAL BIOMETRIC DATA AGAINST SECONDARY SOURCES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a processor, a primary image containing a first set of facial feature data;
receiving, by the processor and from a facial recognition device, a request to associate the primary image with a user financial account,
obtaining, by the processor, an authentication token associated with a user to access private content on a social media source;
retrieving, by the processor and using the authentication token and an application programming interface (API) of the social media source, a secondary image from the social media source that includes an expected image of the user,
wherein the secondary image contains a second set of facial feature data, wherein the secondary image depicts the user associated with the user financial account; and
comparing, by the processor, the first set of facial feature data to the second set of facial feature data to determine that the primary image depicts the user associated with the user financial account.

US Pat. No. 10,037,329

SYSTEM AND METHOD FOR AUTOMATICALLY CAPTURING AND RECORDING LINEAGE DATA FOR BIG DATA RECORDS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:reading, by a processor, source data corresponding to a source variable,
wherein the source variable is a field in a record that includes the source data;
applying, by the processor, a first transformation to the source variable to alter at least a portion of the source data and to generate a first output variable,
wherein the first transformation comprises a first logic,
wherein the first transformation uses the first logic to map the source variable to the first output variable by applying data transformations to the source variable and intermediate variables generated from the source data,
wherein the first output variable is configured for ingestion into a big data storage format ingesting, by the processor, into the big data format by using a control node to distribute tasks among nodes for processing to complete a job intelligently and to limit network traffic and enhance speed at which the first output variable is processed,
wherein the nodes process the first output variables in parallel to expedite the processing; and
recording, by the processor, first lineage data of the first output variable,
wherein the first lineage data includes a history of where the first output variable came from such that forward and backward transformation linkages can be re-created for use in analytics,
wherein the first lineage data is used to detect duplicative data transformations in order to reduce duplicative data transformations,
wherein the first lineage data is automatically obtained in response to a request for the lineage data, and
wherein the first lineage data includes at least one of the first transformation or the source variable.

US Pat. No. 10,007,911

METHODS FOR RAPIDLY PROVISIONING APPLICATION FUNCTIONALITY TO A MOBILE COMMUNICATION DEVICE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:creating, by a provisioning computer-based system and using a GUID (globally unique identifier) specific base master key and prior to a request for provisioning application functionality, a GUID specific base key;
creating, by the computer-based system and using the GUID specific base master key, a GUID specific base session key;
creating, by the computer-based system and using the GUID specific base session key and prior to the request for provisioning application functionality, a proto-script which is a first portion of a perso-script,
creating, by the computer-based system and after the request for provisioning application functionality, a second portion of the perso-script, wherein the second portion is prepended to the proto-script to rotate from one or more base encryption keys stored on a secure element to the GUID specific base key, wherein the perso-script comprises the first portion and the second portion;
sending, by the computer-based system and after the request for provisioning application functionality, the perso-script to a secure element associated with the transaction account customer for processing, which executes the prepended portion of the perso-script to rotate to GUID specific base key and then completes the perso-script that is protected under the GUID specific base session key to complete the perso-script.

US Pat. No. 9,973,526

MOBILE DEVICE SENSOR DATA

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:transmitting, to a mediator, first sensor data from a first sensor on a mobile device;
receiving, from the mediator, data associated with a second sensor on the mobile device, wherein the data associated with the second sensor includes risk data associated with the first sensor, wherein the data associated with the second sensor includes a data reporting instruction that is based at least in part of the risk data associated with the first sensor, and wherein the second sensor is not the first sensor;
obtaining second sensor data from the second sensor; and
transmitting the second sensor data to the mediator.

US Pat. No. 9,818,110

METHOD, MEDIUM, AND SYSTEM FOR FACILITATING ONLINE TRANSACTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a website server, code in response to a non-existent preset payment relationship with value transfer services,
wherein the code authorizes in-page transaction confirmation by data sharing between a first frame managing a fund transfer
and a website hosted by the website server,

receiving, by the website server and in response to the code being executed, content;
displaying, by the web site server, the content in the first frame of a webpage,
wherein the webpage comprises the first frame and a second frame;
submitting, by the website server, transaction information from the first frame to the remote system;
displaying, by the website server, at least a portion of the transaction information in the second frame;
receiving, by the web site server, a token from the first frame,
wherein the token includes state information based on the transaction information, receiving, by the web site server, the
token from the first frame; and

transmitting, by the web site server, the token to the remote server,
wherein, in response to the remote server receiving the token from the web site server, the remote server transfers the funds
from a first account to a second account based on the transaction information and the state information.

US Pat. No. 9,769,157

SYSTEMS AND METHODS FOR SECURE ONE-TIME PASSWORD VALIDATION

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
generating, by a processor, a seed one-time password (OTP);
transmitting, by the processor, the seed OTP to a user device,
wherein the seed OTP is passed to a security utilities software development kit (SDK) on the user device for further processing
to generate a response OTP in response to an integrity module confirming that the user device is in good health,

wherein the security utilities SDK is in communication with an OTP listening service;
receiving, by the processor, the response OTP from the user device,
wherein the response OTP is different from the seed OTP,
wherein the response OTP is generated using a function that is based on a device identifier associated with the user device
and a device fingerprint associated with the user device;

calculating, by the processor, an expected response OTP by applying a function to the seed OTP,
wherein the function is based on the device identifier and the device fingerprint;
determining, by the processor, that the response OTP satisfies the expected response OTP; and
sending, by the processor, a result in response to the determining.

US Pat. No. 9,710,801

SYSTEMS AND METHODS FOR CHARGE SPLITTING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
receiving, by a computer-based system and from a group initiator, a request to establish a group of members in a database,
wherein the group initiator and the members share a shared financial obligation, wherein the group initiator incurred the
shared financial obligation using an account number for a transaction account of the group initiator;

storing, by the computer-based system, the shared financial obligation in a database as ungrouped data elements via a fixed
memory offset using a binary large object method with different data sets from different owners with different formats;

tuning, by the computer-based system, the database to optimize database performance, wherein the tuning includes placing frequently
used files on separate file systems to reduce in and out bottlenecks;

annotating, by the computer-based system, the shared financial obligation with a header, trailer or indicator to convey information
for managing the shared financial obligation;

annotating, by the computer-based system, the shared financial obligation to include security information establishing access
levels;

providing, by the computer-based system, based on the security access level and in response to updating a permissions indicator,
access to the shared financial obligation;

designating, by the computer-based system, a type of the shared financial obligation as a key field in a plurality of related
data tables to speed searching for the data;

linking, by the computer-based system, the plurality of related data tables based on the type of the shared financial obligation
in the key fields;

partitioning, by the computer-based system and using the key field, the database according to a class of objects defined by
the key field to speed searching for the shared financial obligation;

sorting, by the computer based system, the shared financial obligation according to a known order to simplify the lookup process;
obtaining, by the computer-based system, the shared financial obligation from the database;
providing, by the computer-based system and based on the creating the members of the group, to the members over the internet
and via an app to web clients of the members, a plurality of record of charges (ROCs) associated with the shared financial
obligation by the group initiator, wherein the ROCs include location, merchant identifier, transaction amount, transaction
date, and the account number;

authenticating, by the computer-based system and in response to the providing, transaction accounts for the members of the
group based on the account numbers in the ROCs;

receiving, by the computer-based system and via the app from the web clients of the members and in response to the providing,
a selection from one or more members of the group of one or more of the ROCs from the plurality of ROCs associated with the
shared financial obligation to create member-selected ROCs, wherein the selection is based on the account numbers in the ROCs;

determining, by the computer-based system and in response to the receiving, a split instruction for the member-selected ROCs
based on the account numbers in the ROCs;

splitting, by the computer-based system and based on the split instruction, the member-selected ROCs between the members of
the group and the group initiator based on the account numbers in the ROCs;

transmitting, by the computer-based system and via the app to the web clients of the members and in response to the splitting,
a notification to the members of the group, wherein the notification includes the member-selected ROCs, the split instruction
and a description of the shared financial obligation.

US Pat. No. 9,582,830

OFFSITE FINANCIAL ACCOUNT ONBOARDING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:
creating, by a financial transaction computer and using a web-based offsite onboarding application, a customer access area
for a customer in a pooled custodial account, in a memory of the financial transaction computer,

wherein the customer access area is a sub-account,
requesting, by the web-based offsite onboarding application, that the customer enter identification (ID) information,
wherein the web-based offsite onboarding application configures financial institution servers to receive an electronic customer
request from the customer at an offsite location,

wherein the web-based offsite onboarding application runs in response to the customer request for a financial account from
the offsite location,

receiving, by the financial transaction computer and via the internet, the ID information via at least one of a financial
institution website or via a graphical user interface of a mobile financial application on a mobile device communicating with
a mobile commerce server of the financial transaction computer;

associating, by the financial transaction computer, the customer access area with software tags having access limits,
wherein the access limits are associated with an access level for the pooled custodial account,
maintaining, by the financial transaction computer, the access level and restrictions as software tags associated with the
ID information in an account registry; and

determining, by the web-based offsite onboarding application and using the IDinformation, the access level for the customer
to the pooled custodial account based on the restrictions in the account registry.

US Pat. No. 10,163,122

PURCHASE INSTRUCTIONS COMPLYING WITH RESERVATION INSTRUCTIONS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:syncing, by a computer based system, a financial transaction account associated with a user with a channel;
receiving, by the computer based system and from the channel, reservation information representative of a reservation of a reserved item from a merchant system, wherein the reservation is created in the channel;
associating, by the computer based system, an identifier with the reservation information;
synching, by the computer based system, the reservation information with the financial transaction account;
determining, by the computer based system and via the channel, an indication that the reserved item was used;
receiving, by the computer based system and from the merchant system through the channel, purchase instructions with a request to initiate a payment within the channel;
confirming, by the computer based system, that the purchase instructions comply with reservation instructions;
confirming, by the computer based system, that the reserved item conforms to the reservation information and the financial transaction account; and
initiating, by the computer based system, a financial transaction in response to the indication that the reserved item has been used.

US Pat. No. 10,083,110

SYSTEMS AND METHODS FOR SOFTWARE TESTING AND TEST MANAGEMENT

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:identifying, by a processor, a first test suite and a second test suite from a plurality of test suites, wherein the first test suite includes a test condition, test data, a test environment, and a user access control;
creating, by the processor, a test bed map including the first test suite and the second test suite, wherein the test bed map indicates a dependency of the second test suite on the first test suite;
assigning, by the processor, a threshold value, a severity, and a frequency to the first test suite;
generating, by the processor, a superscript based on the test bed map, wherein the superscript is configured to execute the first test suite before the second test suite in response to the dependency, wherein the superscript refers to the test condition, the test data, the test environment, and the user access control; and
monitoring, by the processor, an execution of the superscript to detect an event that signals at least one of an error, a reset of the threshold value, a reset of the frequency, or a reset of the severity.

US Pat. No. 10,083,111

TEST SCRIPT CONFIGURATION SPREADSHEET

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:launching, by a computer, a first browser specified in a test suite spreadsheet for a test script,
wherein the test suite spreadsheet comprises a plurality of test scripts, wherein each of the plurality of test scripts identifies a different test script configuration spreadsheet in a plurality of test script configuration spreadsheets, wherein the test suite spreadsheet identifies a plurality of browsers including the first browser in which to execute the test script; and
executing, by the computer and in the first browser, the test script in the test suite spreadsheet according to a plurality of commands in the test script configuration spreadsheet.

US Pat. No. 10,068,252

TARGETED AND NEUTRAL ADVERTISING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:transmitting, by a computer-based system and to a third party system, a measurement file that associates a first customer with a first spending activity and a first party cookie ID;
transmitting, by the computer-based system, the first party cookie ID and a third party cookie ID to a web client associated with the first customer, in response to the web client browsing on a website associated with a first party,
wherein the web client transmits the first party cookie ID and the third party cookie ID to the third party system in association with web browsing data,
wherein the browsing data is associated with at least one of the web client or the third party cookie ID,
wherein the third party system updates a model file such that the browsing data is associated with the third party cookie ID, and
wherein the third party system transmits the updated model file to the first party system;
receiving, by the computer-based system, an updated measurement file with exposed data and unexposed data, both associated with the third party cookie ID,
wherein the first party cookie ID is disassociated from the exposed data and the unexposed data; and
generating, by the computer-based system, a spend report by comparing the exposed data to the first spending activity based on the first party cookie ID associated with the exposed data and comparing the unexposed data to a second spending activity based on a second party cookie ID associated with the unexposed data.

US Pat. No. 10,038,682

SYSTEM AND METHOD FOR COMMUNICATING BETWEEN DISTRIBUTED APPLICATIONS AND DATABASES

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:receiving, by a web service handler on a web application server on a private cloud network, a request;
authenticating, by the web service handler, the request;
invoking, by the web service handler, an instance of a business delegate on the private cloud network;
passing, by the web service handler, the request to the business delegate,
wherein the business delegate invokes the instance from a data access object on the private cloud network;
invoking, by the data access object, a database handler on the private cloud network to establish a data source connection; and
executing, by the data access object, the request,
wherein the data access object transmits a database request to a hierarchical database management system database,
wherein the database request is authenticated by an integrated TCP/IP gateway,
wherein the integrated TCP/IP gateway transmits the database request to an object database management system, and
wherein the object database management system translates the database request from structured query language to data language interface.

US Pat. No. 10,007,805

FORMING A PROTECTED DATA FIELD ENTRY

AMERICAN EXPRESS TRAVEL R...

1. A method comprising,executing, by a computer based system, a batch job of encryption key changes via a database transaction;
selecting, by the computer based system, an encrypted data record comprising a clear text portion and an encrypted text portion;
reading, by the computer based system, a first encryption key identifier for the clear text portion;
referencing, by the computer based system, a keystore database for the first encryption key identifier;
identifying, by the computer based system, an encryption key of the plurality of encryption keys associated with the first encryption key identifier;
retrieving, by the computer based system, a second encryption key associated with a second encryption key identifier from the keystore database;
transmitting, by the computer based system, the identified encryption key to a decryption/encryption module to decrypt the encrypted text portion of the encrypted data record;
transmitting, by the computer based system, the retrieved second encryption key to the decryption/encryption module to encrypt the decrypted data record via the second encryption key;
concatenating, by the computer based system, the second encryption key identifier with the encrypted decrypted data record to form a protected data field entry, wherein the encrypted decrypted data record is encrypted via the second encryption key;
associating, by the computer based system, an effective date with the second encryption key based on a date the encrypted decrypted data record was encrypted via the second encryption key,
wherein the effective date is the second encryption key identifier, and
wherein the effective date is stored in an encryption keystore database;
retrieving, by the computer based system and in response to an encryption key change based on the effective date, a third encryption key;
decrypting, by the computer based system and based on the second encryption key identifier, the encrypted decrypted data record with the first encryption key to create a data element;
encrypting, by the computer based system, the data element with the third encryption key to create a third encrypted data element; and
prepending, by the computer based system, the third encryption key identifier to the third encrypted data element,
wherein the third encryption key identifier is stored in the encryption keystore database.

US Pat. No. 9,928,514

SYSTEMS AND METHODS FOR DELIVERING TAILORED CONTENT BASED UPON A CONSUMER PROFILE

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:comparing, by a computer-based system, content to a consumer profile of a consumer;
identifying, by the computer-based system, tailored content based on the comparing;
transmitting, by the computer-based system, the tailored content to a data partner system,
wherein the data partner system tailors a digital destination based on the tailored content and the consumer profile,
wherein the digital destination is an electronic presentation,
transmitting, by the computer-based system, cookies to a portable web client associated with the consumer;
obtaining, by the computer-based system, browsing information about the consumer from the cookies on the portable web client associated with the consumer;
displaying, by the computer-based system, the tailored content in a first section of the digital destination, wherein the first section is selectable on the portable web client, and wherein the first section is based on an interest of the consumer in the consumer profile;
receiving, by the computer-based system and from the portable web client, a software-enabled selection of the first section of the digital destination;
identifying, by the computer-based system, additional tailored content based on the software-enabled selection and based on relevancy of the additional tailored content to the consumer profile,
wherein the relevancy of the additional tailored content is based on transaction data associated with the consumer profile and based on recent content reviewed by the consumer,
wherein the transaction data includes transactions at merchants similar to merchants associated with the additional tailored content,
wherein the relevancy of the additional tailored content is further based on at least one of transactions in similar locations, amount of expense at similar locations, length of stay at similar locations, additional people included at similar locations, complementary transactions at similar locations, timing of transactions at similar locations, social media posts, previous travel arrangements or amount of time reviewing the recent content by the consumer,
displaying, by the computer-based system and in response to the software-enabled selection, the additional tailored content in the digital destination;
displaying, by the computer-based system, the tailored content in the digital destination such that the tailored content is only available to the portable web client of the consumer associated with the consumer profile; and
presenting, by the computer-based system, a tailored offer to the portable web client of the consumer in the digital destination, wherein the tailored offer is based on the tailored content and based on the transaction data from the consumer profile.

US Pat. No. 10,192,256

DETERMINING MERCHANT RECOMMENDATIONS

AMERICAN EXPRESS TRAVEL R...

1. A method, comprising:creating, by a computer based system, a group containing a plurality of merchants based on a common trait within a time period,
wherein the common trait includes at least one of a keyword association, similar industry code, criteria, items sold, offers, behaviors, or transaction information;
determining, by the computer based system, a plurality of consumer transaction accounts that were used to initiate transactions at the plurality of merchants;
assigning, by the computer based system, a score to each of the plurality of merchants based on connectivity, activity, common consumers and merchant over-index,
wherein the merchant over-index includes a ratio of consumers with the transactions at a merchant compared to a baseline population of the consumers;
removing, by the computer based system and from the group, a portion of the plurality of merchants with the score below a threshold;
selecting, by the computer based system, an interest,
wherein the interest is associated with a persona, and
wherein at least one of the interest or the persona include parameters that define the at least one of the interest or the persona;
evaluating, by the computer based system, the group containing the plurality of merchants to determine a seed merchant based on the interest;
determining, by the computer based system, a pool of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants of which the seed customer has transacted;
receiving, by the computer based system and from a consumer, a request for recommendations of merchants from the pool of merchants based on the persona presented to the consumer;
detecting, by the computer based system via a real time system, a location of a mobile device of the consumer, in response to the receiving the request for recommendations from the mobile device of the consumer;
monitoring, by the computer based system and via the real time system, the location of the mobile device of the consumer;
adjusting, in real time and by the computer based system via the real time system, a list of recommended merchants associated with the persona based on at least one of the monitoring the location of the mobile device of the consumer, a time of day, or a percentage of the transactions at a meal-time exceeding a percentage of overall transactions;
presenting, by the computer based system and via the real time system and to the mobile device, the list of recommended merchants in response to the adjusting; and
associating, by the computer based system, a consumer profile with the persona and in response to the request for recommendations of the merchants from the consumer.

US Pat. No. 10,181,126

SYSTEMS AND METHODS FOR TAILORING MARKETING

AMERICAN EXPRESS TRAVEL R...

1. A method comprising:obtaining, by a computer-based system and from a merchant server of a merchant, purchase transaction data from the merchant,
wherein the purchase transaction data is a result of a consumer conducting a purchase transaction with the merchant,
storing, by the computer-based system, data sets of the purchase transaction data in a database as ungrouped data elements formatted as a block of binary (BLOB) via a fixed memory offset;
partitioning, by the computer-based system and using a key field, the database according to a class of objects defined by the key field to speed searching for the purchase transaction data;
linking, by the computer-based system, data tables based on a type of data in the key field;
annotating, by the computer-based system, the data sets to include security information establishing access levels;
obtaining, by the computer-based system, the purchase transaction data from the database;
verifying, by the computer-based system, that the consumer conducted the purchase transaction based on the purchase transaction data at the merchant;
verifying, by the computer-based system, a consumer location of the consumer at a merchant location based on the purchase transaction data;
verifying, by the computer-based system, a web client location of a web client associated with the consumer based on global positioning data of the web client from a global positioning system;
determining, by the computer-based system, that the purchase transaction is verified to create a verified transaction, wherein the determining is based on the verifying the consumer conducting the purchase transaction with the merchant, the verifying the consumer location of the consumer at the merchant location and the verifying the web client location of the web client;
automatically conducting an original check-in, by the computer-based system, of the consumer with the merchant server in response to the consumer conducting the purchase transaction with the merchant and based on the consumer location of the consumer at the merchant location associated with the purchase transaction;
associating, by the computer-based system, criteria with the merchant;
obtaining, by the computer-based system, social data from a social media website about the merchant;
comparing, by the computer-based system and based on matching rules, the criteria with the social data from the social media website about the merchant to determine a social media association between the criteria for the merchant and the social data about the merchant;
determining, by the computer-based system, a consumer relevance value associated with a merchant based upon a consumer preference and a plurality of merchant to merchant similarity values;
providing, by the computer-based system, a higher ranking for the merchant based on the social media association and the consumer relevance value;
transmitting, by the computer-based system and based on the verified transaction and in response to the original check-in, a request for the consumer to write a review for the merchant; and
supplementing, by the computer-based system, the review with the higher ranking of the merchant and a notation that the review is based on the verified transaction.