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31. 发明授权

US07946502B2 Financial transaction token 有权
标题翻译：金融交易令牌
公开(公告)号：US07946502B2
公开(公告)日：2011-05-24
申请号：US12017593
申请日：2008-01-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06K19/06 , G06K5/00 , G06K19/00 , G06F7/08 , G06Q20/00 , G06Q40/00
CPC分类号： G06K19/07 , G06K19/0702 , G06K19/0723 , G06K19/07769 , G06Q20/10 , G06Q20/105 , G06Q20/204 , G06Q20/347 , G06Q20/352 , G06Q20/367 , G06Q30/06 , G07F7/0806
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：提供了用于金融交易的卡或令牌。金融交易令牌或卡片具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能使板载电子设备工作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣付款标签等个性。

32. 发明授权

US07819321B2 Appliance for financial transaction tokens 有权
标题翻译：金融交易令牌器具
公开(公告)号：US07819321B2
公开(公告)日：2010-10-26
申请号：US11767160
申请日：2007-06-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06K7/06
CPC分类号： G06Q30/06 , G06Q20/367 , H04Q2213/13095
摘要： There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory's onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.
摘要翻译：提供了用于金融交易令牌的附件设备。附件具有车载电力存储装置，当卡或令牌不在商业终端（例如POS终端）附近时，能够使与附件通信的金融令牌或卡进行操作。在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为配件与附件通信的金融令牌的附件的板载电子设备和/或电子设备供电。附件可以是另一消费者设备的子组件，例如计算设备，通信设备，服装项目，首饰项目，手机，PDA，身份证，钱夹，钱包，钱包，公文包或个人组织者。

33. 发明申请

US20100057622A1 Distributed Quantum Encrypted Pattern Generation And Scoring 审中-公开
标题翻译：分布式量子加密模式生成与评分
公开(公告)号：US20100057622A1
公开(公告)日：2010-03-04
申请号：US12614664
申请日：2009-11-09
申请人： Patrick L. Faith , Kevin P. Siegel
发明人： Patrick L. Faith , Kevin P. Siegel
IPC分类号： G06Q40/00 , H04L9/30 , G06Q10/00 , G06N5/02
CPC分类号： G06Q20/40 , G06Q20/04 , G06Q20/3829 , G06Q20/401 , G06Q20/4016 , G06Q20/403 , G06Q40/00 , G06Q40/02 , G06Q40/025
摘要： Transaction scoring is performed in a distributed manner across a client-server computing system. A computing system for processing a transaction includes a server system and a client system. The server system is arranged to process information associated with the transaction, while the client system communicates with the server system and includes a key engine which is arranged to generate keys. The client system and the server system are arranged to cooperate to make probabilistic determinations associated with the transaction. The client is arranged to send the keys generated by the key engine as a transaction to the server system.
摘要翻译：通过客户端 - 服务器计算系统以分布式方式执行事务评分。用于处理事务的计算系统包括服务器系统和客户端系统。服务器系统被布置为处理与事务相关联的信息，而客户端系统与服务器系统通信并且包括被配置为生成密钥的密钥引擎。安排客户端系统和服务器系统进行协作以进行与交易相关联的概率确定。客户端被安排为将密钥引擎生成的密钥作为事务发送到服务器系统。

34. 发明申请

US20080319912A1 POWERING FINANCIAL TRANSACTION TOKEN WITH ONBOARD AND EXTERNAL POWER SOURCE 审中-公开
标题翻译：用ONBOARD和外部电源为金融交易提供动力
公开(公告)号：US20080319912A1
公开(公告)日：2008-12-25
申请号：US11767176
申请日：2007-06-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06Q40/00 , G06K19/07
CPC分类号： G07F7/1008 , G06Q20/341 , G06Q20/3415 , G06Q20/367 , G07F7/084 , G07F7/0866 , G07F7/088
摘要： A card or token used in financial transactions has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card or token may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：在金融交易中使用的卡或令牌具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能够使板载电子设备工作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡或令牌可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣支付标签等个性。

35. 发明申请

US20080314971A1 MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 有权
标题翻译：用于金融交易的手机用户手册
公开(公告)号：US20080314971A1
公开(公告)日：2008-12-25
申请号：US11767185
申请日：2007-06-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06Q40/00
CPC分类号： G06Q20/353 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/3552 , G07F7/0833 , G07F7/0873 , G07F7/10
摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.
摘要翻译：提供了用于金融交易令牌的移动订户单元。用户单元与与用户单元通信的金融令牌或卡接口。金融令牌或卡具有车载能量源，使得卡令牌可以远离商业终端（例如，POS终端）操作。在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为用户单元的板载电子设备和/或与订户单元通信的金融令牌的电子设备供电。订户单元可以是另一个消费者设备的组件，例如计算设备，通信设备，服装项目，珠宝项目，手机，PDA，身份证，货币持有人，钱包，钱包，公文包或个人组织者。

36. 发明申请

US20080223938A1 Payment Card Dynamically Receiving Power from External Source 有权
标题翻译：支付卡从外部来源动态接收电力
公开(公告)号：US20080223938A1
公开(公告)日：2008-09-18
申请号：US11685109
申请日：2007-03-12
申请人： Patrick L. Faith , Steven M. Twombly
发明人： Patrick L. Faith , Steven M. Twombly
IPC分类号： G06K19/067
CPC分类号： G06K19/0723 , G06K19/06196 , G06K19/07703 , G06K19/083 , G06Q20/388 , G07F7/1008
摘要： A payment card with a display and/or dynamic magnetic stripe that operates using power received from an electro-magnetic/RF signal, without the need for incorporating a battery within the payment card. In one example, a payment card includes a receiver for receiving an external electro-magnetic signal and converting it to an electrical signal for powering the payment card; a CPU coupled with the electrical signal of the receiver; a display (i.e., a persistent display) for displaying data, wherein the display receives power based on the electrical signal from the receiver; and a dynamic magnetic stripe storing magnetically readable data, wherein the dynamic magnetic stripe receives power based on the electrical signal from the receiver. Responsive to the electro-magnetic signal received by the payment card, the data displayed on the display and stored in the dynamic magnetic stripe is changed. Methods relating to a payment card are also disclosed.
摘要翻译：具有显示和/或动态磁条的支付卡，其使用从电磁/ RF信号接收的功率进行操作，而不需要在支付卡内并入电池。在一个示例中，支付卡包括用于接收外部电磁信号并将其转换为用于为支付卡供电的电信号的接收器; 与接收机的电信号耦合的CPU; 用于显示数据的显示器（即持久显示器），其中显示器基于来自接收器的电信号接收电力; 以及存储磁性可读数据的动态磁条，其中动态磁条基于来自接收器的电信号接收电力。响应于由支付卡接收到的电磁信号，显示在显示器上并存储在动态磁条中的数据被改变。还公开了与支付卡相关的方法。

37. 发明申请

US20150227936A1 METHOD AND SYSTEM FOR PROVIDING RISK INFORMATION IN CONNECTION WITH TRANSACTION PROCESSING 审中-公开
标题翻译：提供与交易处理相关的风险信息的方法和系统
公开(公告)号：US20150227936A1
公开(公告)日：2015-08-13
申请号：US14691981
申请日：2015-04-21
申请人： Belva J. Bruesewitz , Nancy Hilgers , Patrick L. Faith , Kevin Paul Siegel , Xiaoli Li , Krishna Prasad Koganti , Craig O'Connell
发明人： Belva J. Bruesewitz , Nancy Hilgers , Patrick L. Faith , Kevin Paul Siegel , Xiaoli Li , Krishna Prasad Koganti , Craig O'Connell
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q20/409 , G06Q40/025 , G06Q40/08
摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.
摘要翻译：一种为授权系统提供实时风险缓解的系统。系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。然后将每个被处理的请求转发给其对应的发行者以进一步授权。每个被处理的请求都包含一个授权消息。授权消息可以包括风险分数，原因代码的数量和条件代码的数量。使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

38. 发明授权

US08429085B2 Financial transaction token with onboard power source 有权
标题翻译：带有车载电源的金融交易令牌
公开(公告)号：US08429085B2
公开(公告)日：2013-04-23
申请号：US11767144
申请日：2007-06-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06Q20/00
CPC分类号： G06K19/077 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/367 , G07F7/082 , G07F7/084 , G07F7/1008
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：提供了用于金融交易的卡或令牌。金融交易令牌或卡片具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能使板载电子设备工作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣付款标签等个性。

39. 发明申请

US20110066493A1 System and Method Using Predicted Consumer Behavior to Reduce Use of Transaction Risk Analysis and Transaction Denials 有权
标题翻译：使用预测消费者行为减少交易风险分析和交易拒绝的使用的系统和方法
公开(公告)号：US20110066493A1
公开(公告)日：2011-03-17
申请号：US12877370
申请日：2010-09-08
申请人： Patrick L. Faith , Zhongxiao Jiang , Kevin Paul Siegel , Theodore D. Harris
发明人： Patrick L. Faith , Zhongxiao Jiang , Kevin Paul Siegel , Theodore D. Harris
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q30/06 , G06Q20/40 , G06Q30/00 , G06Q30/0251 , G06Q40/08
摘要： An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.
摘要翻译：一种用于处理交易授权请求以减少对作为授权过程的一部分的交易风险评估的需要的装置和方法。本发明减少了支付处理器的数据处理负担以及拒绝授权的交易数量。在一些实施例中，本发明使用预测或行为建模技术来产生消费者可能参与的交易的预测。如果消费者确实参与预测交易，则不对该交易执行风险分析处理。

40. 发明申请

US20080319911A1 FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE 有权
标题翻译：财务交易托盘与电源
公开(公告)号：US20080319911A1
公开(公告)日：2008-12-25
申请号：US11767144
申请日：2007-06-22
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： G06Q30/00 , H04L9/00
CPC分类号： G06K19/077 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/367 , G07F7/082 , G07F7/084 , G07F7/1008
摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.
摘要翻译：提供了用于金融交易的卡或令牌。金融交易令牌或卡片具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能使板载电子设备工作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣付款标签等个性。

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