Now the J.J. Kenny/Standard & Poors Building, American Express has been headquartered in Lower Manhattan since its 1850 beginnings. The building exploited early advances in steel-frame construction, foundation engineering and wind bracing. East and west light courts are provided by the building's H-plan. The company invented the traveler's cheque in 1891, which led to the international network of American Express offices and services. The company was still headquartered in this building when the American Express card was introduced in 1858. Travel services are still conducted here.