RESERVE CARD SYSTEM AND METHOD

World Intellectual Property Organization Patent

APP PUB NO WO-2014143548-A1
SERIAL NO

PCTUS2014018484

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Abstract

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A system, method and/or computer program product for enrolling in and/or issuing a transaction account with enhanced capabilities and improved functionality is disclosed herein. This new type of transaction account, a reserve transaction account, is disclosed herein. Similar to credit and/or charge transaction accounts, the reserve transaction account avails its users the ability to purchase now and pay for the purchase at a later date. This is in contrast to a debit transaction account where payment for the purchase is effective almost immediately. Similar to credit and/or charge transaction accounts, the reserve transaction account is associated with a line of credit. Similar to credit and/or charge transaction accounts for authorization and settlement, the reserve transaction account follows a dual messaging protocol for authorization of transactions.

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Patent Owner(s)

Patent OwnerAddress
AMERICAN EXPRESS TRAVEL RELATEUSUSA NEW YORK

International Classification(s)

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Inventor(s)

Inventor Name Address
HOLBROOK FRANK 200 VESEY STREET NEW YORK NEW YORK 10285-4900 10285-4900
GUPTA MANISH SANTA CLARA CALIFORNIA 95051
DODDS-BROWN SARAH 200 VESEY STREET NEW YORK NEW YORK 10285-4900 10285-4900
LAGO DAVID 200 VESEY STREET NEW YORK NEW YORK 10285-4900 10285-4900
OWENS NINA 200 VESEY STREET NEW YORK NEW YORK 10285-4900 10285-4900
PONNAVALU KISHORE 200 VESEY STREET NEW YORK NEW YORK 10285-4900 10285-4900

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