Loyal-T Systems LLC v. American Express Company & American Express Travel Related Services Company, Inc.

CourtDistrict Court, S.D. New York
DecidedSeptember 18, 2025
Docket1:24-cv-07506
StatusUnknown

This text of Loyal-T Systems LLC v. American Express Company & American Express Travel Related Services Company, Inc. (Loyal-T Systems LLC v. American Express Company & American Express Travel Related Services Company, Inc.) is published on Counsel Stack Legal Research, covering District Court, S.D. New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Loyal-T Systems LLC v. American Express Company & American Express Travel Related Services Company, Inc., (S.D.N.Y. 2025).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF NEW YORK LOYAL-T SYSTEMS LLC, Plaintiff, 24-cv-07506 (JGK) - against - MEMORANDUM OPINION AND ORDER AMERICAN EXPRESS COMPANY & AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC., Defendants. JOHN G. KOELTL, District Judge: The plaintiff, Loyal-T Systems LLC (“Loyal-T”), brings this action against the defendants, American Express Company (“Amex”) and American Express Travel Related Services Company, Inc. (“Amex Travel”). In the First Amended Complaint (“FAC”), ECF No.58, Loyal-T seeks damages and injunctive relief for alleged patent infringement under 35 U.S.C. § 271. The plaintiff claims that the defendants’ Plenti Program practiced without authorization the methods and technology claimed in United States Patent No. 8,712,839 (the “’839 Patent”), and that Amex’s and Amex Travel’s Membership Rewards Program infringes the ’839 Patent and United States Patent No. 10,210,537 (the “’537 Patent”). Amex and Amex Travel now move to dismiss Loyal-T’s patent infringement claims pursuant to Federal Rule of Civil Procedure 12 (b) (6). For the reasons below, the motion to dismiss is granted.

I. Factual Background Unless otherwise noted, the following facts are taken from the First Amended Complaint and are accepted as true for purposes of the motion to dismiss.1 0F Loyal-T owns the ’537 and ’839 patents, both directed to systems and methods for administering customer loyalty programs. FAC ¶¶ 17–18, 21–22. As described in the FAC, “a customer loyalty program is a system whereby a business offers rewards to its customers who make frequent purchases.” Id. ¶ 11. Traditionally, administering such programs required “specialized hardware to process the loyalty point clearing and settlement process.” Id. ¶ 15. The ’537 and ’839 patents disclose an alternative process in which the loyalty program “piggy-back[s]” on an existing association network, thereby eliminating the need for separate hardware. Id. ¶ 27-28. In simple terms, Loyal-T’s patents enable a system in which a merchant identifies a customer through a point-of-sale (“POS”)

device and transmits the customer’s ID (or “token”) over the association network to the Program Manager’s system. Id. ¶¶ 28- 29. The Program Manager will then determine in a separate system whether the token may be used to provide loyalty program offers and rewards. Id. ¶¶ 29-30. After the Program Manager’s

1 Unless otherwise noted, this Memorandum Opinion and Order omits all alterations, omissions, emphasis, quotation marks, and citations in quoted text. determination, the merchant receives a message via a communication network indicating the results. Id. ¶ 29. Loyal-T alleges that the defendants introduced a multi- merchant loyalty program, also known as the Plenti Program, in 2015. Id. ¶¶ 13, 33. The Plenti Program allegedly “grants

customers one point for every dollar spent at participating merchants.” Id. ¶ 34. The defendants’ customers allegedly may use these points “for redemption at any participating merchant within the Plenti Program network.” Id. Loyal-T alleges that the defendants terminated the Plenti Program but preserved the Plenti Program’s capabilities in the Membership Rewards Program that uses “Pay with Points.” Id. ¶¶ 41, 45. Both Amex and Amex Travel incorporate the Membership Rewards Program as part of their features. Id. ¶¶ 71, 87. In the Membership Rewards Program, the “Pay with Points” capability allegedly allows customers to use their earned points to pay a portion of their Amex bill, redeem for service or merchandise at

a participating merchant, or redeem for travel through Amex Travel. Id. ¶ 47. Loyal-T alleges that participating merchants of Amex’s Membership Rewards Program include Expedia, Rite Aid, Amazon.com, Best Buy, Dell Technologies, Staples, Saks Fifth Avenue, and Grubhub. Id. ¶¶ 52, 54-55. Loyal-T alleges that the defendants’ Plenti Program used the invention in the ’839 patents without authorization, and that the Membership Rewards Program similarly uses the invention in the ’537 and ’839 patents without authorization.2 Id. ¶¶ 63- 1F 64. Specifically, the FAC asserts that (1) the Plenti Program infringed Claim 1 of the ’839 patent3 (Counts III and IV), and 2F (2) the Membership Rewards Program infringes Claims 1 and 11 of the ’537 patent4 (Counts I and II) and Claim 1 of the ’839 patent 3F (Counts III and IV).

2 Because the FAC does not distinguish between Amex’s and Amex Travel’s Membership Rewards Programs or between their respective Plenti Programs, each program is considered as one program for purpose of this Memorandum Opinion and Order. The plaintiff also represented in oral argument that there are separate counts alleged against Amex and Amex Travel merely because they are separate entities. 3 The ’839 patent specifies that “What is claimed is: 1. A method for providing a loyalty program comprising: registering a consumer with the loyalty program, said registration including obtaining personal information from the consumer and associating with the consumer a token to initiate a transaction request over an association network when used in conjunction with a merchant transaction system, wherein the token is associated with a form of tender; receiving by a processor the transaction request initiated by the token from the merchant transaction system, said transaction request, containing information sufficient to identify the token and a transaction, wherein the transaction request is transmitted over the association network; determining, by the processor, that the token cannot be used as tender to pay for the transaction and then determining whether the consumer is entitled to any rewards from the loyalty program in response to receiving the transaction request initiated by the token; transmitting by the processor, via the association network a message to the merchant transaction system, indicating any applicable rewards and indicating that the token cannot be used as tender in response to the receiving the transaction request initiated by the token; receiving, by the processor, from the merchant transaction system, additional details of the transaction stored at the merchant transaction system, during or after completion of the transaction tied to the token that cannot be used as tender, wherein the additional details of the transaction are transmitted over a communications network separate and distinct from the association network; matching, by the processor, the information in the transaction request to the additional details of the transaction; and transmitting any additional rewards to the consumer in response to the matching of the information in the transaction request to the additional details of the transaction.” FAC, Ex. A, at 34 (emphasis added). 4 The ’537 patent specifies that “What is claimed is: 1.

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Bluebook (online)
Loyal-T Systems LLC v. American Express Company & American Express Travel Related Services Company, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/loyal-t-systems-llc-v-american-express-company-american-express-travel-nysd-2025.