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1. 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。

2. 发明授权

US08620798B2 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：US08620798B2
公开(公告)日：2013-12-31
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
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。

3. 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。

4. 发明申请

US20170076313A1 SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS 审中-公开
标题翻译：提供视觉表示的系统和方法
公开(公告)号：US20170076313A1
公开(公告)日：2017-03-16
申请号：US15363311
申请日：2016-11-29
申请人： Mark Carlson , Patrick L. Faith
发明人： Mark Carlson , Patrick L. Faith
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0224 , G06Q30/02 , G06Q30/0222 , G06Q30/0225 , G06Q30/0251 , G06Q30/0252 , G06Q30/0255 , G06Q50/188 , G09B29/007
摘要： A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.
摘要翻译：公开了一种用于为目标提供提供地理位置通知的方法和系统。本发明的一个实施例涉及一种包括监视事件以触发目标报价的方法。一旦检测到事件，生成报价。该提议针对消费者，并且是使用响应于消费者与多个不同商家进行的交易产生的支付数据而生成的。确定要兑换优惠的地理位置。生成关于报价的通知消息。通知消息包括优惠和兑换优惠的地理位置。通知消息被发送到由消费者操作的通知设备。报价的图形显示在通知设备的地图上。

5. 发明申请

US20080314994A1 APPLIANCE FOR FINANCIAL TRANSACTION TOKENS 有权
标题翻译：器具用于财务交易
公开(公告)号：US20080314994A1
公开(公告)日：2008-12-25
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： G06K19/06 , G06Q40/00 , H01M10/44 , H01R12/00 , H02J7/00 , H02J7/32 , H04Q5/22 , H05K1/14
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。

6. 发明授权

US6018723A Method and apparatus for pattern generation 失效
公开(公告)号：US6018723A
公开(公告)日：2000-01-25
申请号：US863443
申请日：1997-05-27
申请人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
发明人： Kevin P. Siegel , Patrick L. Faith , Theodore P. Washburne
IPC分类号： G06Q20/10 , G06Q20/40 , G07F7/08 , G06F17/60
CPC分类号： G07F7/08 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q20/4016 , G06Q20/403 , G06Q40/025 , G06Q40/08
摘要： Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.

7. 发明申请

US20160204660A1 POWERING FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE 审中-公开
公开(公告)号：US20160204660A1
公开(公告)日：2016-07-14
申请号：US15079535
申请日：2016-03-24
申请人： Patrick L. Faith , Ayman A. Hammad
发明人： Patrick L. Faith , Ayman A. Hammad
IPC分类号： H02J50/70 , H02J7/02 , G06Q20/34 , H02J7/00 , G06K19/067 , G06K19/077
CPC分类号： H02J50/70 , G06K19/06009 , G06K19/06187 , G06K19/067 , G06K19/0701 , G06K19/0705 , G06K19/0706 , G06K19/0716 , G06K19/07703 , G06K19/07722 , G06K19/08 , G06Q20/20 , G06Q20/32 , G06Q20/3278 , G06Q20/341 , G06Q20/367 , G07F7/0806 , G07F7/0826 , G07F7/10 , H02J7/0052 , H02J7/025
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.

8. 发明授权

US08381995B2 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：US08381995B2
公开(公告)日：2013-02-26
申请号：US13182688
申请日：2011-07-14
申请人： Patrick L. Faith , Steven M. Twombly
发明人： Patrick L. Faith , Steven M. Twombly
IPC分类号： G06K19/06
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。

9. 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。

10. 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。

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