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1. 发明授权

US10402813B2 System and method for enabling a mobile communication device to operate as a financial presentation device 有权
公开(公告)号：US10402813B2
公开(公告)日：2019-09-03
申请号：US16286606
申请日：2019-02-27
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： H04M3/42 , G06Q20/32 , H04W12/08 , H04W4/18 , G06Q20/38 , H04W12/04 , G06Q20/40 , H04L29/08 , H04L29/06
摘要： A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.

2. 发明申请

US20190108509A1 CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20190108509A1
公开(公告)日：2019-04-11
申请号：US16211811
申请日：2018-12-06
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q20/36 , G06Q20/42 , G06Q20/38 , G06Q20/34 , G06Q20/12 , G06Q20/32 , G06Q20/22 , G06Q20/20
摘要： The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

3. 发明申请

US20190087827A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20190087827A1
公开(公告)日：2019-03-21
申请号：US16192687
申请日：2018-11-15
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q40/00 , G06Q30/06 , H04W4/12
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

4. 发明授权

US10095276B2 Information access device and data transfer 有权
公开(公告)号：US10095276B2
公开(公告)日：2018-10-09
申请号：US12953372
申请日：2010-11-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
IPC分类号： H04B7/00 , G06F1/16 , G06Q20/10 , G06Q20/32 , G06Q20/38 , G06Q20/40 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.

5. 发明授权

US09773212B2 Secure anonymous transaction apparatuses, methods and systems 有权
公开(公告)号：US09773212B2
公开(公告)日：2017-09-26
申请号：US13407719
申请日：2012-02-28
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q40/00 , G06Q10/00
CPC分类号： G06Q10/00
摘要： The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.

6. 发明申请

US20170255944A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20170255944A1
公开(公告)日：2017-09-07
申请号：US15463733
申请日：2017-03-20
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q30/06 , G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

7. 发明申请

US20170004464A1 BEVERAGE HOLDER HAVING A CHIP UNIT FOR PERFORMING PAYMENT TRANSACTIONS 审中-公开
标题翻译：具有执行付款交易的芯片组的饮料持有人
公开(公告)号：US20170004464A1
公开(公告)日：2017-01-05
申请号：US15266982
申请日：2016-09-15
申请人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
发明人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
IPC分类号： G06Q20/10 , G06K19/07 , G06Q20/40 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

8. 发明申请

US20160350809A1 MOBILE LOCATION NOTIFICATIONS SYSTEM AND METHOD 审中-公开
公开(公告)号：US20160350809A1
公开(公告)日：2016-12-01
申请号：US15213225
申请日：2016-07-18
申请人： Ayman Hammad , Prakash Prem Hariramani
发明人： Ayman Hammad , Prakash Prem Hariramani
IPC分类号： G06Q30/02 , G06Q20/40
CPC分类号： G06Q30/0261 , G06Q20/405 , G06Q30/0267 , G06Q30/0269 , G06Q30/0639
摘要： Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.

9. 发明申请

US20160307180A1 ALERT PRIORITIZATION LOGIC 审中-公开
标题翻译：提醒优先逻辑
公开(公告)号：US20160307180A1
公开(公告)日：2016-10-20
申请号：US15194335
申请日：2016-06-27
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/32 , H04L29/08 , G08B25/00
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。

10. 发明授权

US09471915B2 Beverage holder having a chip unit for performing payment transactions 有权
标题翻译：具有用于执行支付交易的芯片单元的饮料架
公开(公告)号：US09471915B2
公开(公告)日：2016-10-18
申请号：US12608523
申请日：2009-10-29
申请人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
发明人： Zack Fuerstenberg , Ayman Hammad , Brian Triplett , Christopher M. Renton , Michael Stephenson
IPC分类号： G06F17/00 , G06Q20/32 , G06Q20/20 , G06Q20/34
CPC分类号： G06Q20/102 , G06K19/07 , G06Q20/20 , G06Q20/3223 , G06Q20/3278 , G06Q20/341 , G06Q20/40 , G06Q2220/00
摘要： A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.
摘要翻译：饮料保持器装置包括附接到饮料保持器的芯片单元，其适于与芯片单元读取器通信以执行支付交易以购买饮料。芯片单元存储与金融账户相关联的账户标识符，并且将存储的帐户标识符发送到芯片单元读取器以执行支付交易。

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