# American Express: Research, patents and partnerships

Source: https://www.bankingnewsai.com/banks/american-express/ai-research-patents-partnerships
Last updated: Oct 16, 2026

*Part of the [American Express AI strategy profile](https://www.bankingnewsai.com/banks/american-express).*

## What AI patents, partnerships and investments does American Express have?

American Express's AI intellectual property sits with American Express Travel Related Services Company, which was granted four large-language-model security patents between January 20 and May 19, 2026 (risk mitigation, supply-chain security, an interaction sandbox and a decentralised network against hallucinations) and published 2026 applications on a generative-AI upsell engine (May 7), dynamic prompt-template enforcement with CTO Hilary Packer among the inventors (April 9), quantum-enhanced multimodal LLM security (April 2) and keeping payment credentials out of generative-AI training data (February 19). Its fraud models have run on NVIDIA GPUs, with LSTM models trained on DGX systems and served on Triton. Partnerships are mostly about agentic commerce: Google's Agent Payments Protocol (September 2025), Cloudflare's Web Bot Auth (October 2025), Anthropic, which surfaces Resy inside Claude (April 2026), and the x402 Foundation (July 2026). Amex Ventures holds AI stakes in Nekuda, Traversal ($5 million), Bluefish and Fazeshift, and Amex bought Center (April 2025) and agreed to buy Hyper (April 2026). It does not publish a research lab, papers or a patent count. ([Google Patents (USPTO)](https://patents.google.com/patent/US12530174B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12632648B2/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260127631A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260099677A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260095464A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260050917A1/en), [NVIDIA](https://www.nvidia.com/en-us/customer-stories/american-express-prevents-fraud-and-foils-cybercrime-with-nvidia-ai-solutions/), [Google Cloud](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol), [Cloudflare (Business Wire)](https://businesswire.com/news/home/20251014144421/en/Cloudflare-Collaborates-with-Leading-Payments-Companies-to-Secure-and-Enable-Agentic-Commerce), [American Express](https://americanexpress.com/en-us/newsroom/articles/travel-and-dining/american-express-partners-with-anthropic-to-make-u-s--resy-resta.html), [Linux Foundation (PR Newswire)](https://www.prnewswire.com/news-releases/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications-302824778.html), [Nekuda (Business Wire)](https://businesswire.com/news/home/20250514808097/en/Nekuda-Raises-$5M-Led-by-Madrona-Together-with-Amex-Ventures-and-Visa-Ventures-to-Power-Agentic-Payments), [SiliconANGLE](https://siliconangle.com/2026/03/04/exclusive-american-express-partners-invests-ai-operations-startup-traversal/), [Bluefish (PR Newswire)](https://www.prnewswire.com/news-releases/bluefish-raises-43-million-series-b-to-power-agentic-marketing-for-the-fortune-500-302741124.html), [Crowdfund Insider](https://www.crowdfundinsider.com/2026/08/296407-amex-ventures-backs-fazeshift-to-enable-ai-driven-finance-automation/), [American Express Investor Relations](https://ir.americanexpress.com/news/investor-relations-news/investor-relations-news-details/2025/American-Express-Completes-Acquisition-of-Center/default.aspx), [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1))

## Which AI patents has American Express been granted or filed recently?

Assignee American Express Travel Related Services Company, Inc. Granted patents carry a grant date; applications carry their publication date and are not yet rights. A relevance-selected sample from Google Patents (October 15, 2026), not a count.

| Number | Title | Status | Date | Sources |
| --- | --- | --- | --- | --- |
| US 12,632,648 B2 | Generative large language model (LLM) decentralized network, to reduce hallucination-based responses | Granted | May 19, 2026 (filed 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US12632648B2/en) |
| US 12,596,789 B2 | Large language model (LLM) interaction security sandbox | Granted | April 7, 2026 (filed 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US12596789B2/en) |
| US 12,579,256 B2 | Large language model (LLM) supply chain security | Granted | March 17, 2026 (filed 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US12579256B2/en) |
| US 12,530,174 B2 | Large language model (LLM) risk mitigation: risk-mitigation code for applications that call a network LLM service | Granted | January 20, 2026 (filed October 2023) | [Google Patents (USPTO)](https://patents.google.com/patent/US12530174B2/en) |
| US 2026/0086783 A1 | LLM risk mitigation (divisional): intercepts an LLM application's system calls to a network LLM service and modifies them | Application published | March 26, 2026 (filed December 3, 2025) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260086783A1/en) |
| US 2026/0127631 A1 | Generative artificial intelligence upsell engine: point-of-sale offers from a shared embedding of transaction, consumer and merchant inventory data | Application published | May 7, 2026 (filed November 4, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260127631A1/en) |
| US 2026/0111185 A1 | Conversion of unstructured data using artificial intelligence: machine learning and generative AI interpret source code into structured output | Application published | April 23, 2026 (filed October 22, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260111185A1/en) |
| US 2026/0099677 A1 | Dynamic prompt template enforcement and categorization system; inventors include Hilary Packer | Application published | April 9, 2026 (filed October 9, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260099677A1/en) |
| US 2026/0095464 A1 | Quantum-enhanced multi-modal large language model security protection | Application published | April 2, 2026 (filed September 27, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260095464A1/en) |
| US 2026/0050917 A1 | Payment Credential Protection: keeps the credential out of, for example, the training data of a generative AI model | Application published | February 19, 2026 (filed August 13, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260050917A1/en) |
| US 2025/0373611 A1 | Multi-domain, role-based access control using large language models | Application published | December 4, 2025 (filed May 31, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20250373611A1/en) |
| US 2026/0189520 A1 | Agentic architecture request routing using a payload-embedded token | Application published | July 2, 2026 (filed December 31, 2024) | [Google Patents (USPTO)](https://patents.google.com/patent/US20260189520A1/en) |
| US 11,238,528 B2 | Custom ranking objectives (such as Gini and CaptureRate) for machine-learning models in fraud and credit risk assessment | Granted | February 1, 2022 (filed December 22, 2016) | [Google Patents (USPTO)](https://patents.google.com/patent/US11238528B2/en) |

## Who are American Express's AI partners, and what has it invested in or bought?

As announced by Amex or the partner. Amex Ventures does not publish stake sizes except where noted.

| Partner | Type | What it is | Date | Sources |
| --- | --- | --- | --- | --- |
| NVIDIA | Hardware and software | LSTM fraud models trained on NVIDIA DGX, optimised with TensorRT and served on Triton Inference Server within a two-millisecond latency budget; 50x the throughput of CPUs | Customer story (undated) | [NVIDIA](https://www.nvidia.com/en-us/customer-stories/american-express-prevents-fraud-and-foils-cybercrime-with-nvidia-ai-solutions/) |
| GitHub Copilot | Coding assistant | Used by about 9,000 Amex engineers, mainly for testing and code completion | April 2025 | [VentureBeat](https://venturebeat.com/ai/how-amex-uses-ai-to-increase-efficiency-40-fewer-it-escalations-85-travel-assistance-boost) |
| Google (Agent Payments Protocol) | Standards | One of more than 60 organisations named as shaping AP2 | September 16, 2025 | [Google Cloud](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol) |
| Cloudflare (Web Bot Auth) | Standards and security | Amex 'will also leverage Web Bot Auth for use in its agentic commerce program' to help merchants identify trusted agents, per Luke Gebb | October 14, 2025 | [Cloudflare (Business Wire)](https://businesswire.com/news/home/20251014144421/en/Cloudflare-Collaborates-with-Leading-Payments-Companies-to-Secure-and-Enable-Agentic-Commerce) |
| Anthropic (Claude) | AI platform | Users can browse Resy restaurant availability inside Claude and hand off to Resy to book | April 2026 | [American Express](https://americanexpress.com/en-us/newsroom/articles/travel-and-dining/american-express-partners-with-anthropic-to-make-u-s--resy-resta.html) |
| x402 Foundation (Linux Foundation) | Standards | Premier member of the body standardising internet-native payments for AI agents | July 14, 2026 | [Linux Foundation (PR Newswire)](https://www.prnewswire.com/news-releases/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications-302824778.html) |
| Nekuda | Amex Ventures | Credential and authorisation infrastructure for agentic payments; $5 million round led by Madrona | May 14, 2025 | [Nekuda (Business Wire)](https://businesswire.com/news/home/20250514808097/en/Nekuda-Raises-$5M-Led-by-Madrona-Together-with-Amex-Ventures-and-Visa-Ventures-to-Power-Agentic-Payments) |
| Traversal | Amex Ventures and customer | AI site-reliability engineering deployed across Amex's global infrastructure; $5 million investment | March 4, 2026 | [Traversal (Business Wire)](https://businesswire.com/news/home/20260304551167/en), [SiliconANGLE](https://siliconangle.com/2026/03/04/exclusive-american-express-partners-invests-ai-operations-startup-traversal/) |
| Bluefish | Amex Ventures and customer | Agentic marketing platform Amex also uses to see how it appears in AI channels | April 14, 2026 | [Bluefish (PR Newswire)](https://www.prnewswire.com/news-releases/bluefish-raises-43-million-series-b-to-power-agentic-marketing-for-the-fortune-500-302741124.html) |
| Fazeshift | Amex Ventures | Autonomous AI agents for accounts receivable | August 11, 2026 | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/08/296407-amex-ventures-backs-fazeshift-to-enable-ai-driven-finance-automation/) |
| Center | Acquisition | Expense-management software integrated with Amex corporate and small-business cards; now one base for Amex's internally built business agents | Completed April 16, 2025 | [American Express Investor Relations](https://ir.americanexpress.com/news/investor-relations-news/investor-relations-news-details/2025/American-Express-Completes-Acquisition-of-Center/default.aspx), [American Banker](https://americanbanker.com/payments/news/amex-plans-agentic-ai-tools-for-business-clients) |
| Hyper (Hypercard) | Acquisition | Agentic expense-management company whose AI team is to build agentic tools across commercial services | Agreed April 16, 2026 | [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-agrees-to-buy-more-tools-to-feed-its-ai-plans) |

## Does American Express publish AI research?

Not in the way some banks do. Amex's research shows up as patents and as the work of its data science teams. Forbes reported in 2016 that the team comprised 800 data scientists globally, after Amex opened a Big Data and Cloud Computing technology center in Silicon Valley; in 2020 Rajat Jain described MS and PhD data scientists who regularly evaluate the strengths and weaknesses of the models. ([Forbes](https://www.forbes.com/sites/ciocentral/2016/04/27/inside-american-express-big-data-journey/), [Forbes](https://www.forbes.com/sites/cognitiveworld/2020/09/06/how-american-express-uses-ai-to-enhance-security-interview-with-rajat-jain-global-head-for-identity-and-authentication-strategy-at-american-express/))

Innovation outside the risk function runs through Amex Digital Labs, which Luke Gebb said in January 2026 brings about 15 to 20 initiatives to market a year and works with Google and Cloudflare on agentic transaction standards. ([Forbes](https://www.forbes.com/sites/peterhigh/2026/01/07/amex-digital-labs-is-scaling-innovation-from-experiment-to-enterprise/), [Cloudflare (Business Wire)](https://businesswire.com/news/home/20251014144421/en/Cloudflare-Collaborates-with-Leading-Payments-Companies-to-Secure-and-Enable-Agentic-Commerce))

On the record there is no academic lab funding, no published paper list and no named foundation-model supplier for internal use; the CIO has described an enablement layer giving secure access to several large language models without naming them. ([Forbes](https://www.forbes.com/sites/peterhigh/2025/05/09/ravi-radhakrishnan-on-driving-ai-innovation-at-american-express/), [VentureBeat](https://venturebeat.com/ai/dont-wait-for-a-bake-off-how-intuit-and-amex-beat-competitors-to-production-ai-agents))

## What does the Amex profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| Oct 1, 2026 | Marrs: agentic commerce is 'less about tech and more about trust' | Group President of Global Merchant and Network Services Anna Marrs tells American Banker that Amex supports the Agent Payments protocol (an open standard with Google, PayPal and 60-plus other companies) and that AI agents already automate parts of credit underwriting, fraud detection and personalised customer service. | [American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-finance-13-anna-marrs-american-express) |
| Aug 11, 2026 | Amex Ventures backs Fazeshift | Autonomous AI agents for accounts receivable, building toward a 'CFO suite built for autonomous finance'. | [Crowdfund Insider](https://www.crowdfundinsider.com/2026/08/296407-amex-ventures-backs-fazeshift-to-enable-ai-driven-finance-automation/) |
| Aug 7, 2026 | Amex GBT's Egencia connector in Claude | Agentic corporate travel through Anthropic's assistant. | [American Banker](https://www.americanbanker.com/payments/news/amex-gbt-adds-agentic-commerce-to-corporate-travel) |
| Jul 14, 2026 | Premier member of the x402 Foundation | The Linux Foundation body standardising internet-native payments for AI agents launches with Amex among its premier members. | [Linux Foundation (PR Newswire)](https://www.prnewswire.com/news-releases/linux-foundation-announces-operational-launch-of-x402-foundation-to-standardize-internet-native-payments-for-ai-agents-and-applications-302824778.html) |
| May 19, 2026 | Decentralised-network LLM patent granted | US 12,632,648 B2 covers verifying answers from several LLM providers over a decentralised network to cut hallucinated responses; two further LLM security patents were granted on March 17 and April 7, 2026. | [Google Patents (USPTO)](https://patents.google.com/patent/US12632648B2/en) |
| Apr 24, 2026 | Resy restaurants discoverable in Claude | Amex and Anthropic let Claude users browse Resy tables in conversation and hand off to Resy to book; the release is undated and coverage ran on April 26 and 27. | [American Express](https://americanexpress.com/en-us/newsroom/articles/travel-and-dining/american-express-partners-with-anthropic-to-make-u-s--resy-resta.html) |
| Apr 16, 2026 | Agrees to buy Hypercard | Agentic expense management; AI talent for commercial services. | [American Express via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604160915BIZWIRE_USPRX____20260415_BW433431-1), [American Banker](https://www.americanbanker.com/payments/news/amex-agrees-to-buy-more-tools-to-feed-its-ai-plans) |
| Apr 14, 2026 | Amex Ventures backs Bluefish | An agentic marketing platform Amex also uses to understand how it shows up in AI channels. | [Bluefish (PR Newswire)](https://www.prnewswire.com/news-releases/bluefish-raises-43-million-series-b-to-power-agentic-marketing-for-the-fortune-500-302741124.html) |
| Mar 4, 2026 | Traversal partnership and $5 million investment | Amex Ventures invests in the AI site-reliability engineering start-up and Amex deploys its platform across global infrastructure; EVP Matthew Liste says AI-driven operations enable better outcomes. | [Traversal (Business Wire)](https://businesswire.com/news/home/20260304551167/en), [SiliconANGLE](https://siliconangle.com/2026/03/04/exclusive-american-express-partners-invests-ai-operations-startup-traversal/) |
| Jan 20, 2026 | LLM risk-mitigation patent granted | US 12,530,174 B2, filed October 2023 by American Express Travel Related Services Company, covers generating risk-mitigation code for applications that call a network LLM service. | [Google Patents (USPTO)](https://patents.google.com/patent/US12530174B2/en) |
| Jan 7, 2026 | Amex Digital Labs profile | Luke Gebb says the lab brings about 15 to 20 initiatives to market a year; it built the first servicing chatbot and the Dining Companion and works with Google and Cloudflare on agentic transaction standards. | [Forbes](https://www.forbes.com/sites/peterhigh/2026/01/07/amex-digital-labs-is-scaling-innovation-from-experiment-to-enterprise/) |
| Sep 16, 2025 | Among 60-plus organisations around Google's AP2 | Google names American Express in the group shaping the Agent Payments Protocol for agentic payments. | [Google Cloud](https://cloud.google.com/blog/products/ai-machine-learning/announcing-agents-to-payments-ap2-protocol) |

## Common questions

### What AI patents does American Express have?

American Express Travel Related Services Company was granted four LLM patents in 2026, all filed in 2023: risk mitigation (US 12,530,174, January 20), supply-chain security (US 12,579,256, March 17), an interaction security sandbox (US 12,596,789, April 7) and a decentralised network against hallucinated answers (US 12,632,648, May 19). Its 2026 published applications cover a generative-AI upsell engine, prompt-template enforcement, quantum-enhanced multimodal LLM security and payment-credential protection.

### Does American Express use NVIDIA for AI?

Yes, for fraud. NVIDIA's customer story says Amex uses long short-term memory models trained on NVIDIA DGX systems, optimised with TensorRT and served with Triton Inference Server, combined with its long-standing gradient boosting model, within a two-millisecond latency requirement and at 50 times the throughput of a CPU configuration.

### Which AI companies does American Express partner with?

On the public record: Anthropic (Resy inside Claude, April 2026), Google's Agent Payments Protocol group (September 2025), Cloudflare's Web Bot Auth for agentic commerce (October 2025), GitHub Copilot for engineers, NVIDIA for fraud-model infrastructure and the x402 Foundation. OpenAI appears as a card benefit, a $300 ChatGPT Business credit on business cards.

### What AI startups has Amex Ventures invested in?

Disclosed AI-related stakes include Nekuda (agentic-payment credentials, May 2025), Traversal (AI site-reliability engineering, $5 million, March 2026), Bluefish (agentic marketing, April 2026) and Fazeshift (accounts-receivable agents, August 2026). Amex also bought Center in April 2025 and agreed to buy Hyper in April 2026 for their expense-management and AI teams.

### Does American Express have an AI research lab?

It has no published academic research program. The closest equivalents are its data science teams, which Forbes put at 800 data scientists globally in 2016 and which build its fraud and credit models, and Amex Digital Labs, which brings about 15 to 20 initiatives to market a year.
## Deeper on Amex

- [What is American Express's AI strategy and technology vision?](https://www.bankingnewsai.com/banks/american-express/ai-strategy)
- [How does American Express use AI for fraud detection and credit decisions?](https://www.bankingnewsai.com/banks/american-express/fraud-and-credit-ai)
- [How is American Express preparing its payments network for AI agents?](https://www.bankingnewsai.com/banks/american-express/payments-ai)


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