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31. 发明申请

US20130054454A1 Wallet Service Enrollment Platform Apparatuses, Methods and Systems 审中-公开
标题翻译：钱包服务登记平台设备，方法和系统
公开(公告)号：US20130054454A1
公开(公告)日：2013-02-28
申请号：US13624779
申请日：2012-09-21
申请人： Thomas Purves , Shilpak Mahadkar , Ayman Hammad
发明人： Thomas Purves , Shilpak Mahadkar , Ayman Hammad
IPC分类号： G06Q20/36
CPC分类号： G06Q20/363 , H04L67/22 , H04L67/2842 , H04L67/306
摘要： The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.
摘要翻译：电子钱包服务登录平台设备，方法和系统（WSEP）便于在消费者虚拟钱包中注册支付账户。消费者可以登录到他们的支付帐户发行者的网站，并指定一个或多个支付账户以便在虚拟钱包中注册。然后，发行者可以与虚拟钱包提供商共享帐户，计费和/或其他相关信息，以便于在虚拟钱包中注册指定的支付账户。 WSEP还可以配置为便于在消费者的虚拟钱包中创建和资助预付帐户。

32. 发明授权

US08386349B2 Verification of a portable consumer device in an offline environment 有权
标题翻译：验证离线环境中的便携式消费者设备
公开(公告)号：US08386349B2
公开(公告)日：2013-02-26
申请号：US11680592
申请日：2007-02-28
申请人： Philip B. Dixon , Ayman Hammad , Khalid El-Awady
发明人： Philip B. Dixon , Ayman Hammad , Khalid El-Awady
IPC分类号： G06Q40/00
CPC分类号： G06K5/00 , G06K17/00 , G06K19/06187 , G06K19/067 , G06Q20/40
摘要： A portable consumer device includes a base, and a computer readable medium on the base. The computer readable medium comprises code for an issuer verification value and a supplemental verification value. The issuer verification value is used by an issuer to verify that the portable consumer device is authentic in an on-line transaction and the supplemental verification value is used to verify that the portable consumer device is authentic in an off-line transaction.
摘要翻译：便携式消费者设备包括基座和基座上的计算机可读介质。计算机可读介质包括用于发行者验证值和补充验证值的代码。发行者验证值由发行者用于在在线交易中验证便携式消费者设备是真实的，并且补充验证值用于在离线交易中验证便携式消费者设备是真实的。

33. 发明申请

US20130036003A1 INPUT DEVICE WITH AN ACCELEROMETER 有权
标题翻译：带加速度计的输入装置
公开(公告)号：US20130036003A1
公开(公告)日：2013-02-07
申请号：US13584168
申请日：2012-08-13
申请人： Patrick Faith , Mark Carlson , Ayman Hammad
发明人： Patrick Faith , Mark Carlson , Ayman Hammad
IPC分类号： G06F3/033 , G06Q30/02 , H04W4/02 , G06Q30/00 , H04W4/00
CPC分类号： H04W12/06 , G06F21/00 , G06K9/00335 , G06Q30/0201 , G06Q30/0207 , G06Q30/0261 , H04L63/0861 , H04N21/42204 , H04N21/812 , H04W4/18
摘要： Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. The multiple users can bump the display in order to select their items simultaneously.
摘要翻译：描述了方法，设备和系统，用于使诸如智能电话的移动设备与存储处的固定的海报板显示器相撞，以便向移动设备发起优惠券，广告或其他益处的下载。产品可以通过用户的上/下凹凸或其他凹凸图案进行评级。使用基于加速度计的惯性测量，多个用户可以使用移动设备在大型显示器上控制多个鼠标光标，以便选择要下载到其移动设备的信息。多个用户可以碰撞显示器，以便同时选择它们的项目。

34. 发明申请

US20130006847A1 Mixed Mode Transaction Protocol 审中-公开
标题翻译：混合模式事务协议
公开(公告)号：US20130006847A1
公开(公告)日：2013-01-03
申请号：US13338108
申请日：2011-12-27
申请人： Ayman Hammad , Patrick L. Faith
发明人： Ayman Hammad , Patrick L. Faith
IPC分类号： G06Q20/32 , H04B7/00 , H04B5/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务将事务处理中使用的至少两种通信模式相结合。事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。第一设备可以是消费者的移动设备，并且设备可以是商家接入设备或销售点终端。为了继续交易，可以启动第二种通信模式。第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

35. 发明申请

US20120284187A1 SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理支付交易的系统和方法
公开(公告)号：US20120284187A1
公开(公告)日：2012-11-08
申请号：US13420377
申请日：2012-03-14
申请人： Ayman Hammad , Patrick L. Faith , Mark Carlson
发明人： Ayman Hammad , Patrick L. Faith , Mark Carlson
IPC分类号： G06Q20/38 , G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/409
摘要： A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions.
摘要翻译：用于处理使用支付帐户或便携式消费者设备进行的支付交易的系统和相关联的数据处理流程。便携式消费设备可以是任何合适的形式，包括卡，密钥卡，包含非接触元件的设备，智能卡（具有联系人或不具有联系人）等。本发明将支付帐户或支付设备的认证与交易分离授权过程，使不同的实体能够对这些功能负责。

36. 发明授权

US08215563B2 Method and system for facilitating memory and application management on a secured token 有权
标题翻译：用于在安全令牌上促进内存和应用程序管理的方法和系统
公开(公告)号：US08215563B2
公开(公告)日：2012-07-10
申请号：US12967999
申请日：2010-12-14
申请人： Philippe Levy , Ayman Hammad , Virginia I. Simcox , Jerry Sloan , Mary Gorden
发明人： Philippe Levy , Ayman Hammad , Virginia I. Simcox , Jerry Sloan , Mary Gorden
IPC分类号： G06K19/06
CPC分类号： G07F7/1008 , G06F21/75 , G06F21/77 , G06F2221/2105 , G06F2221/2153 , G06Q20/341 , G06Q20/3574
摘要： A system for facilitating memory and application management on a smartcard the system includes a client having a number of applications and a smartcard having specification logic allowing file structures and security and access conditions to be defined using a set of common commands. Each application has a corresponding group of data on the smartcard. An applet instance is created for each application and corresponding group of application data. At the time of instantiation, the specification logic allows an application to specify the file structure and/or to specify security and access conditions for its group of data. An application can utilize passcode and credential management so that a single passcode is used to access the smartcard regardless of whether the application utilizes the common commands to specify a file structure.
摘要翻译：一种用于促进智能卡上的存储器和应用程序管理的系统，该系统包括具有多个应用的客户机和具有允许使用一组公共命令来定义文件结构和安全性和访问条件的规范逻辑的智能卡。每个应用程序在智能卡上都有相应的数据组。为每个应用程序和相应的应用程序数据组创建一个小程序实例。在实例化时，规范逻辑允许应用程序指定文件结构和/或为其数据组指定安全性和访问条件。应用程序可以利用密码和凭证管理，以便使用单个密码来访问智能卡，而不管应用程序是否利用通用命令来指定文件结构。

37. 发明授权

US08118223B2 Smart sign mobile transit fare payment 有权
标题翻译：智能手机移动通票支付
公开(公告)号：US08118223B2
公开(公告)日：2012-02-21
申请号：US12022075
申请日：2008-01-29
申请人： Ayman Hammad , Phil Dixon
发明人： Ayman Hammad , Phil Dixon
IPC分类号： G07B15/02 , G06F17/00 , G06K19/06 , G06K5/00 , H04M1/00
CPC分类号： G06Q20/3278 , G06Q20/045 , G06Q20/102 , G06Q20/32 , G06Q20/322 , G06Q20/3227 , G06Q20/341 , G06Q30/0284 , G07B15/02 , G07F7/0886 , G07F7/1008 , G07F17/0014 , G07F17/42
摘要： A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device. Each NFC device is associated with a different transit location. The NFC devices may be included on the same smart sign located at one transit location or on different smart signs located at different transit locations. Alternatively, one NFC device may be included on a smart sign at a departure location and another NFC device may be activated when or after the user enters the transit system to provide proof of fare purchase. The mobile device is positioned proximate the NFC devices to activate the NFC devices and access fare and/or schedule information or purchase a fare.
摘要翻译：使用移动设备便利支付和收集过境系统票价的系统和方法利用包括与嵌入在移动无线设备内的非接触元件通信的近场通信（NFC）设备的智能符号。每个NFC设备与不同的传输位置相关联。 NFC设备可以被包括在位于一个中转位置的同一智能标志上，或位于位于不同转接位置的不同智能标志上。或者，一个NFC设备可以被包括在出发位置的智能标志上，并且当用户进入转接系统以提供票价购买证明时，可以激活另一个NFC设备。移动设备位于NFC设备附近以激活NFC设备并访问票价和/或日程信息或购买车费。

38. 发明申请

US20110313873A1 Form Factor Identification 失效
标题翻译：形状鉴定
公开(公告)号：US20110313873A1
公开(公告)日：2011-12-22
申请号：US13163352
申请日：2011-06-17
申请人： Brian Maw , Ayman Hammad
发明人： Brian Maw , Ayman Hammad
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/327 , G06Q20/10 , G06Q20/105 , G06Q20/12 , G06Q20/20 , G06Q20/204 , G06Q20/32 , G06Q20/341 , G06Q20/3578 , G06Q20/40 , G06Q40/00 , G07F7/1008 , G07G1/14
摘要： A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.
摘要翻译：一种支付设备，方法和装置，被配置为确定在金融交易中使用的支付设备的外形尺寸，而不需要每个支付设备外形尺寸的不同的主帐号。

39. 发明申请

US20110066516A1 Portable Consumer Device Configured to Generate Dynamic Authentication Data 有权
标题翻译：便携式消费者设备配置为生成动态认证数据
公开(公告)号：US20110066516A1
公开(公告)日：2011-03-17
申请号：US12874008
申请日：2010-09-01
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/00 , G06K19/073
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface. The power for operating the components of the portable consumer device may be drawn exclusively from the power received from the external device (i.e., the external power). In some embodiments, a portion of the external power may be temporarily stored on an energy storage means of the portable consumer device.
摘要翻译：本发明的实施例提供了被配置为将动态认证数据存储在存储器中的便携式消费者设备。便携式消费设备还包括用于向外部设备发送数据并从外部设备接收电力的接口。通过位于便携式消费设备上的读写装置从存储器读取动态认证数据。更新认证数据，并且可以使用读写装置将更新的数据写入存储器。在一些实施例中，从存储器读取的认证值可以用于基于算法生成另一认证值。便携式消费者设备还被配置为将认证数据发送到外部设备。每当通过接口向便携式消费者设备提供外部电力时，可以发生读取，更新，生成，发送和重写认证数据的过程。用于操作便携式消费者设备的组件的功率可以仅从从外部设备接收的功率（即外部功率）来绘制。在一些实施例中，外部功率的一部分可以临时存储在便携式消费设备的能量存储装置上。

40. 发明申请

US20110055013A1 SECURE ALERT SYSTEM AND METHOD 审中-公开
标题翻译：安全警报系统和方法
公开(公告)号：US20110055013A1
公开(公告)日：2011-03-03
申请号：US12617268
申请日：2009-11-12
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q10/00 , G06Q30/00 , G06F15/16
CPC分类号： G06Q10/109 , G06F2221/2101 , G06Q20/202 , G06Q30/0255 , G06Q30/0268 , G06Q50/265 , H04L63/102
摘要： A method for receiving transaction data for a transaction, accessing a database comprising alert preference data, and generating a secure alert message using the transaction data and alert preference data using a notification server coupled to the database. The secure alert message comprises a dynamic identifier personal to the consumer. The method also includes sending the secure alert message to a consumer device.
摘要翻译：一种用于接收交易的交易数据的方法，访问包括警报偏好数据的数据库，以及使用耦合到数据库的通知服务器使用事务数据和警报偏好数据生成安全警报消息。安全警报消息包括对消费者个人的动态标识符。该方法还包括将安全警报消息发送到消费者设备。

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