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1. 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。

2. 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。

3. 发明授权

US08589291B2 System and method utilizing device information 有权
标题翻译：利用设备信息的系统和方法
公开(公告)号：US08589291B2
公开(公告)日：2013-11-19
申请号：US13355270
申请日：2012-01-20
申请人： Mark Carlson , Surendra Keshan , Patrick L. Faith
发明人： Mark Carlson , Surendra Keshan , Patrick L. Faith
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/00 , G06Q20/02 , G06Q20/027 , G06Q20/10 , G06Q20/20 , G06Q20/322 , G06Q20/3227 , G06Q20/3674 , G06Q20/382 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q30/06 , G06Q30/0601 , G06Q30/0613 , G06Q40/00 , G06Q40/025
摘要： A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server computer of a non-merchant entity, device information specifically associated with an access device directly from the access device, and also receiving, at the server computer of the non-merchant entity, transaction information from a merchant server. The server computer then correlates and collected information and can perform additional processing.
摘要翻译：公开了一种用于将由用户操作的访问设备直接接收的信息和来自商家服务器的信息相关联的方法。该方法包括在非商家实体的服务器计算机处直接从接入设备接收与接入设备专门相关的设备信息，并且在非商家实体的服务器计算机处接收来自商家的交易信息服务器。然后，服务器计算机关联和收集信息，并且可以执行附加处理。

4. 发明申请

US20120259784A1 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：US20120259784A1
公开(公告)日：2012-10-11
申请号：US13529474
申请日：2012-06-21
申请人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
发明人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
IPC分类号： G06Q40/00
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： Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向消费者的电子设备（诸如手机）发送交易通知消息。

5. 发明申请

US20110131135A1 ONLINE WARRANTY HISTORY STORAGE ACCESS 审中-公开
标题翻译：在线保修历史存储访问
公开(公告)号：US20110131135A1
公开(公告)日：2011-06-02
申请号：US12861115
申请日：2010-08-23
申请人： Mark Carlson , Pat Stan , Patrick L. Faith , Ayman A. Hammad , Ben Rewis
发明人： Mark Carlson , Pat Stan , Patrick L. Faith , Ayman A. Hammad , Ben Rewis
IPC分类号： G06Q10/00 , G06Q40/00
CPC分类号： G06Q10/00 , G06Q20/40 , G06Q30/012 , G06Q30/06
摘要： A message confirming a transaction for the purchase of an item can include identifiers for the item and for a consumer as well as information pertaining to the transaction. The item identifier is used to locate an express warranty for the item. The consumer identifier (e.g.; a number of an account issued to the consumer) is used to locate the consumer's file in which the express warranty is stored along with at least a portion of the information pertaining to the transaction. Other data received in respective messages can be also be stored in the consumer's file. Thereafter, the consumer identifier can be use to retrieve all express warranties stored in the file for past respective purchased items. Information about each express warranty can be compared to the stored portion of the information pertaining to the transaction so as to retrieve only those express warranties that are valid (e.g.; unexpired).
摘要翻译：确认购买项目的交易的消息可以包括项目和消费者的标识符以及与交易有关的信息。项目标识符用于查找项目的明示保修。消费者标识符（例如，向消费者发放的帐户的数量）用于定位消费者在其中存储明示保证的文件以及与交易相关的信息的至少一部分。在各消息中收到的其他数据也可以存储在消费者的文件中。此后，可以使用消费者标识符来检索存储在文件中的所有对于过去各自购买的商品的所有明示保证。关于每个明示保修的信息可以与存储的关于交易的信息的部分进行比较，以便仅检索那些有效（例如未到期）的明示保证。

6. 发明申请

US20110035317A1 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：使用交易历史进行无害化反应验证
公开(公告)号：US20110035317A1
公开(公告)日：2011-02-10
申请号：US12787788
申请日：2010-05-26
申请人： Mark Carlson , Patrick L. Faith , Ayman Hammad , Shalini Mayor
发明人： Mark Carlson , Patrick L. Faith , Ayman Hammad , Shalini Mayor
IPC分类号： H04L9/32 , G06Q40/00
摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
摘要翻译：公开了用于提供通信和其他消息的认证验证的系统和方法。诸如统一资源定位符（URL）链接的链接被放置在通信中并发送给用户。当用户跟随链接时，呈现来自用户的信用卡或其他财务帐户的个人交易数据的列表。由于个人交易数据对于用户及其金融机构和卡服务公司而言基本上是私人的，并且不被公众所知，所以接收者可以确定该消息真正来自金融机构或卡服务公司，而不是来自钓鱼者

7. 发明申请

US20100274720A1 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：US20100274720A1
公开(公告)日：2010-10-28
申请号：US12767966
申请日：2010-04-27
申请人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
发明人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
IPC分类号： G06Q40/00 , G06Q30/00
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： Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向消费者的电子设备（诸如手机）发送交易通知消息。

8. 发明申请

US20160350736A1 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和包括客户存在通知的方法
公开(公告)号：US20160350736A1
公开(公告)日：2016-12-01
申请号：US15236294
申请日：2016-08-12
申请人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
发明人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
IPC分类号： G06Q20/20 , H04L29/08 , G06Q30/02
CPC分类号： G06Q20/206 , G06Q30/02 , G06Q30/0201 , G06Q30/0269 , G06Q50/182 , G06Q50/265 , H04L67/22
摘要： Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.
摘要翻译：本文公开的本发明的实施例包括用于发送商家警报消息的系统和方法。商家可以指定指示他希望接收警报的客户类型的标准。可以根据客户的特征（包括客户与商家的邻近度）发送商家警报消息。商家可以根据商家警报消息的内容，使用警报消息为客户提供更好的服务或阻止客户从事交易。

9. 发明申请

US20140330675A1 ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE 审中-公开
标题翻译： ALIAS识别和声明验证引擎
公开(公告)号：US20140330675A1
公开(公告)日：2014-11-06
申请号：US14335767
申请日：2014-07-18
申请人： Mark Carlson , Patrick Stan , Patrick L. Faith , Benjamin Rewis
发明人： Mark Carlson , Patrick Stan , Patrick L. Faith , Benjamin Rewis
IPC分类号： G06Q30/06
CPC分类号： G06Q30/0609 , G06Q20/10 , G06Q20/385 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G06Q30/0601
摘要： Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually.
摘要翻译：提供了确定信誉信息的方法和系统。该方法包括分析与实体相关联的别名的事务和非事务性信息，并确定该别名的信誉信息。信誉信息可跨多个域传输。用户可以在与该实体进行业务之前请求关于实体的信誉信息。为商家和用户生成信誉信息。该系统可以为在两个或多个别名之间进行的每个交易产生交易风险分数。该系统包括别名身份和信誉验证服务器计算机，其接收来自各种外部系统的输入并基于输入生成信誉信息。此外，每个用户/商家都可以在信誉数据库中管理他的个人资料，并手动输入一些信息。

10. 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。

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