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71. 发明申请

US20100280927A1 PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING 有权
标题翻译：使用预测建模的交易预先授权
公开(公告)号：US20100280927A1
公开(公告)日：2010-11-04
申请号：US12773763
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q10/00 , G06F21/00
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
摘要翻译：提供了系统，装置和方法以有效地授权由消费者发起的交易。在消费者实际启动交易之前，可以生成授权。例如，可以预测未来的事务，并且可以为预测的事务生成授权。以这种方式，当消费者确实启动交易时，可以准备好并快速使用授权。消费者以前的交易可以用于预测未来交易何时可能。在各种示例中，当消费者启动预测的交易或由授权服务器保存以响应商家的授权请求使用时，授权可以被发送到特定商家或消费者使用。

72. 发明申请

US20100274689A1 ALERT PRIORITIZATION LOGIC 有权
标题翻译：提醒优先逻辑
公开(公告)号：US20100274689A1
公开(公告)日：2010-10-28
申请号：US12764662
申请日：2010-04-21
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q10/00 , G06Q20/00 , G06F17/30 , G06F15/16
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.
摘要翻译：本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。在一些实施例中，附加处理可以包括生成和发送警报消息。在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。在其他实施例中，附加处理可以包括确定不生成和发送警报消息。本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。在一些实施例中，警报消息可以基于所选择的传递信道被格式化。根据一个实施例，可以基于紧凑协议格式生成警报消息。当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。

73. 发明申请

US20100274572A1 ALERT ARCHITECTURE 有权
标题翻译：警示架构
公开(公告)号：US20100274572A1
公开(公告)日：2010-10-28
申请号：US12720627
申请日：2010-03-09
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q99/00 , G06Q20/00 , G06F15/16
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.
摘要翻译：公开了系统，系统的架构和用于生成警报消息的方法。用户注册一个警报消息服务。在注册过程中用户提供的信息被发送到数据库。用户使用便携式消费者设备执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成警报消息。警报消息被发送到用户设备。负责执行事务和提供警报消息的系统，资源和过程被分离，使得通过彼此通信的系统并行地执行事务处理和警报生成。利用这种方法防止事务处理系统由于额外的过程而过载，同时保持支付处理系统的期望的效率水平，安全性和可靠性。

74. 发明申请

US20100205077A1 RESTRICTING ACCESS TO COMPROMISED ACCOUNT INFORMATION 有权
标题翻译：限制访问压缩帐户信息
公开(公告)号：US20100205077A1
公开(公告)日：2010-08-12
申请号：US12764738
申请日：2010-04-21
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q40/00 , G06Q10/00 , G06F15/173 , G06F21/24
CPC分类号： G06Q20/385 , G06Q20/04 , G06Q20/10 , G06Q20/382 , G06Q20/40 , G06Q20/403 , G06Q40/00 , G06Q40/02 , G06Q40/12
摘要： A notification service protects different user accounts from being exposed to fraudulent activity when one of the accounts is compromised. The notification service instructs an issuer of the compromised account to automatically close, freeze or place the other associated accounts on a watch list to prevent potential exposure to the other accounts due to a security breach associated with the compromised account. The card holder may receive notification of the compromised account from the notification service or the issuer via a mobile device. The mobile device may directly contact other issuers with one request to restrict access to any accounts associated with the compromised account. In the event that the compromised account is loaded on the mobile device, the account is cancelled and a new account is loaded to the mobile device.
摘要翻译：当其中一个帐户遭到破坏时，通知服务可以保护不同的用户帐户免受欺诈活动的侵害。通知服务指示受损账户的发行者自动关闭，冻结或将其他相关帐户放置在监视列表上，以防止由于与受损帐户相关联的安全漏洞而潜在地暴露于其他帐户。持卡人可以通过移动设备从通知服务或发行者接收受到侵害的帐户的通知。移动设备可以直接与其他发行者联系，其中一个请求限制对与受损帐户相关联的任何帐户的访问。如果受感染的帐户在移动设备上加载，则帐户被取消，并且新的帐户被加载到移动设备。

75. 发明申请

US20100138338A1 INTELLIGENT ALERT SYSTEM AND METHOD 审中-公开
标题翻译：智能警报系统和方法
公开(公告)号：US20100138338A1
公开(公告)日：2010-06-03
申请号：US12563586
申请日：2009-09-21
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q40/00 , G06F17/30 , G06F15/16
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/403 , H04W4/12
摘要： A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be “This is a gas purchase transaction. The amount may vary.” In this example, the amount of the purchase is not known until after the user buys gas.
摘要翻译：公开了一种用于产生智能警报消息的系统和方法。用户注册消息传递服务。在注册过程中用户提供的信息被发送到数据库。用户使用便携式消费者设备执行交易。事务数据被发送到计算机装置。计算机装置访问包含警报定制数据的数据库。基于事务数据和警报定制数据生成智能警报消息。智能警报消息被发送到用户设备。例如，在用户使用便携式消费者设备在燃气购买交易中在燃料分配器上购买气体的情况下，用户电话接收到的警报消息可以是“这是一种燃气采购交易。金额可能会有所不同。“在这个例子中，购买量在用户购买天然气之后才知道。

76. 发明授权

US07690560B2 Compact protocol and solution for substantially offline messaging between portable consumer device and base device 有权
标题翻译：紧凑的协议和解决方案，用于便携式消费设备和基本设备之间的基本离线消息
公开(公告)号：US07690560B2
公开(公告)日：2010-04-06
申请号：US11491551
申请日：2006-07-20
申请人： Patrick Gauthier , Ayman Hammad , Roger Merckling
发明人： Patrick Gauthier , Ayman Hammad , Roger Merckling
IPC分类号： G06F17/00 , G07G1/14
CPC分类号： H04W88/08 , G06Q20/20 , G06Q20/32 , G06Q20/322 , G06Q20/327 , G06Q30/02 , G06Q30/0211 , G06Q30/0225 , G06Q30/0226 , G06Q30/0238 , G06Q30/0251 , G06Q30/0268
摘要： A method for providing messaging between a portable device and base device is provided. The method includes communicating one or more message codes maintained in the portable device to the base device. The base device then composes a message for a user of the portable device using a dictionary of message codes. The message codes have corresponding message values, which are used to generate the message for the one or more message codes. The generated message is then provided to the user.
摘要翻译：提供了一种用于在便携式设备和基础设备之间提供消息传送的方法。该方法包括将保持在便携式设备中的一个或多个消息代码传送到基本设备。然后，基本设备使用消息代码字典为便携式设备的用户组成消息。消息代码具有对应的消息值，其用于生成用于一个或多个消息代码的消息。然后将生成的消息提供给用户。

77. 发明授权

US07668785B1 Notification social networking 有权
标题翻译：通知社交网络
公开(公告)号：US07668785B1
公开(公告)日：2010-02-23
申请号：US12568065
申请日：2009-09-28
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q99/00
CPC分类号： G06Q30/06 , G06Q20/0855 , G06Q20/108 , G06Q20/367 , G06Q20/401 , G06Q40/12
摘要： A method. The method includes a) sending a first transaction notification message comprising an original payee identifier to a user. The original payee identifier may be part of original transaction information associated with a first transaction. At some point, the user sees this transaction information and wants to correct one or more items in the transaction information. For example, the user may not recognize that the original payee identifier is wrong or is otherwise unrecognizable. The user may then contact a central server (e.g., via a Web site) and may provide updated transaction information such as an updated merchant identifier to the central server computer. This updated transaction information may be stored so that subsequent transactions can be accurately conducted and reported to the user, and other uses.
摘要翻译：一个方法。该方法包括：a）向用户发送包括原始收款人标识符的第一交易通知消息。原始收款人标识符可以是与第一交易相关联的原始交易信息的一部分。在某些时候，用户看到这个交易信息，并希望纠正交易信息中的一个或多个项目。例如，用户可能不认识到原始收款人标识符是错误的或者其他方式是不可识别的。然后，用户可以联系中央服务器（例如，经由网站），并且可以向中央服务器计算机提供更新的交易信息，例如更新的商家标识符。可以存储该更新的交易信息，使得可以准确地进行后续交易并将其报告给用户以及其他用途。

78. 发明申请

US20100027786A1 DYNAMIC ENCRYPTION AUTHENTICATION 审中-公开
标题翻译：动态加密认证
公开(公告)号：US20100027786A1
公开(公告)日：2010-02-04
申请号：US12031036
申请日：2008-02-14
申请人： Patrick Faith , Ayman Hammad
发明人： Patrick Faith , Ayman Hammad
IPC分类号： H04L9/00 , H04L9/28
CPC分类号： G06Q20/3823 , G06F21/606 , G06Q20/04 , H04L9/0618 , H04L9/0866 , H04L9/3226 , H04L2209/56
摘要： A method is disclosed. The method includes generating a uniquely derived data string using personalized information and a first encryption algorithm, generating at least one uniquely derived key using the uniquely derived data string, and creating a dynamic verification value using a second encryption algorithm using the at least one uniquely derived key, wherein the first encryption algorithm is different than the second encryption algorithm.
摘要翻译：公开了一种方法。该方法包括使用个性化信息生成唯一导出的数据串和第一加密算法，使用唯一导出的数据串生成至少一个唯一导出的密钥，以及使用第二加密算法，使用至少一个唯一导出的密钥，其中所述第一加密算法与所述第二加密算法不同。

79. 发明申请

US20090112757A1 MOBILE DEVICE INCLUDING COMPUTER READABLE MEDIUM SUITABLE FOR TAX PROCESSING AND CURRENCY CONVERSION 有权
标题翻译：包括计算机可读介质的移动设备，适用于税收处理和货币转换
公开(公告)号：US20090112757A1
公开(公告)日：2009-04-30
申请号：US12258007
申请日：2008-10-24
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3825 , G06Q10/087 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/3274 , G06Q20/3276 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q30/00 , G06Q30/0212 , G06Q30/0215 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/12 , G06Q40/128 , H04L63/18
摘要： Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information including a transaction amount associated with a transaction conducted between a merchant and a consumer at an access device, to a server computer. The server computer determines a location of a mobile communication device operated by the consumer and converts an transaction amount to a currency based on a conversion rate based on the location of the mobile communication device or determines a tax amount based on the transaction amount and based on the location of the mobile communication device. The method also receives the converted transaction amount or the tax amount.
摘要翻译：基于移动通信设备的位置将交易转换为新货币和税收处理的系统和方法。这些系统和方法将包括与在商业访问设备处的商家和消费者之间进行的交易相关联的交易金额的交易信息发送到服务器计算机。服务器计算机确定由消费者操作的移动通信设备的位置，并且基于移动通信设备的位置，基于转换速率将交易金额转换为货币，或者基于交易量确定税额，并基于移动通信设备的位置。该方法还收到转换交易金额或税额。

80. 发明申请

US20090089213A1 TRACK DATA ENCRYPTION 审中-公开
标题翻译：跟踪数据加密
公开(公告)号：US20090089213A1
公开(公告)日：2009-04-02
申请号：US12263982
申请日：2008-11-03
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： H04L9/32 , G06Q20/00
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： A portable consumer device using a secondary PAN is disclosed. The portable consumer device includes a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the primary PAN.
摘要翻译：公开了使用次级PAN的便携式消费装置。便携式消费者设备包括与主PAN相关联的辅助PAN，其中辅助PAN具有与主要PAN相同的至少一个端部，但其中间部分与主要PAN不同。

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