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1. 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

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。

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

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。

6. 发明授权

US08712912B2 System and method for providing advice to consumer regarding a payment transaction 有权
标题翻译：向消费者提供有关付款交易的建议的系统和方法
公开(公告)号：US08712912B2
公开(公告)日：2014-04-29
申请号：US12763899
申请日：2010-04-20
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/04 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3255 , G06Q20/40 , G06Q20/405 , G06Q20/425 , G06Q30/06 , G06Q40/02 , G07F7/10
摘要： Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction.
摘要翻译：向消费者提供关于支付交易的警报或其他信息的系统，装置和方法。当消费者进行支付交易时，可以向设备发送警报以使消费者能够查看警报。警报的内容，用于发送警报的触发器或警报的传送通道可以由消费者在注册警报服务时设置的一组偏好来确定。响应于警报，消费者可以发送请求“帮助”，“建议”，“需要信息”等的SMS或其他消息。在一些实施例中，消费者可以选择或激活用户界面元素，获取有关交易的建议或信息。在一些实施例中，消费者在支付交易期间或之后可以产生消费者对帮助，咨询或更多信息的请求。响应于对帮助，建议或信息的请求，本发明可以向消费者提供关于交易可用的信息主题的菜单或列表。

7. 发明申请

US20100325048A1 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
标题翻译：作为付款交易的一部分提供消费者援助的系统和方法
公开(公告)号：US20100325048A1
公开(公告)日：2010-12-23
申请号：US12763957
申请日：2010-04-20
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06Q40/00 , G06Q20/00
CPC分类号： G06Q20/20 , G06Q20/26 , G06Q20/3223 , G06Q20/40 , G06Q20/42
摘要： Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.
摘要翻译：公开了进行支付交易的系统，装置和方法。在示例性实施例中，消费者可能希望在支付商品或服务（例如餐厅的餐点）时添加小费或小费。示例性系统可以基于交易产生警报或其他形式的消息，其中警报或消息可以包括提示的建议量和/或向消费者提供可用于确定提示的量的信息。在一些实施例中，系统，装置和方法可以基于先前建立的用户偏好自动地生成针对提示的估计量，当为该交易寻求授权时，估计量被添加到商品或服务的基本成本。

8. 发明申请

US20100325047A1 SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION 有权
标题翻译：用于向付款人提供付款方式的系统和方法
公开(公告)号：US20100325047A1
公开(公告)日：2010-12-23
申请号：US12763899
申请日：2010-04-20
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/04 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3255 , G06Q20/40 , G06Q20/405 , G06Q20/425 , G06Q30/06 , G06Q40/02 , G07F7/10
摘要： Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the alert, the triggers for sending the alert, or the delivery channel for the alert may be determined by a set of preferences that the consumer set when registering for the alert service. In response to the alert, the consumer may send an SMS or other message that requests “help”, “advice”, “need information”, etc. In some embodiments, the consumer may select or activate a user interface element that enables them to obtain advice or information regarding the transaction. In some embodiments, a consumer request for help, advice, or more information may be generated by the consumer during or after a payment transaction. In response to the request for help, advice, or information, the invention may provide the consumer with a menu or list of topics of information that is available regarding the transaction.
摘要翻译：向消费者提供关于支付交易的警报或其他信息的系统，装置和方法。当消费者进行支付交易时，可以向设备发送警报以使消费者能够查看警报。警报的内容，用于发送警报的触发器或警报的传送通道可以由消费者在注册警报服务时设置的一组偏好来确定。响应于警报，消费者可以发送请求“帮助”，“建议”，“需要信息”等的SMS或其他消息。在一些实施例中，消费者可以选择或激活用户界面元素，获取有关交易的建议或信息。在一些实施例中，消费者在支付交易期间或之后可以产生消费者对帮助，咨询或更多信息的请求。响应于对帮助，建议或信息的请求，本发明可以向消费者提供关于交易可用的信息主题的菜单或列表。

9. 发明申请

US20190139014A1 SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION 审中-公开
公开(公告)号：US20190139014A1
公开(公告)日：2019-05-09
申请号：US16181100
申请日：2018-11-05
申请人： Mark Carlson , Shalini Mayor
发明人： Mark Carlson , Shalini Mayor
IPC分类号： G06Q20/20 , G06Q20/42 , G06Q20/26 , G06Q20/32 , G06Q20/40
摘要： Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or other form of message based on the transaction, where the alert or message may include a suggested amount for a tip and/or provide the consumer with information that may be used to determine an amount for the tip. In some embodiments, the systems, apparatuses, and methods may automatically generate an estimated amount for the tip based on previously established user preferences, with the estimated amount being added to the underlying cost of the good or service when authorization is sought for the transaction.

10. 发明申请

US20160007197A1 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：使用算术关键词进行服务激活
公开(公告)号：US20160007197A1
公开(公告)日：2016-01-07
申请号：US14857568
申请日：2015-09-17
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
发明人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
IPC分类号： H04W12/06 , H04W12/04 , H04L29/06 , H04W12/08
CPC分类号： H04W12/06 , G06F21/31 , G06F2221/2117 , G06Q20/02 , G06Q20/10 , G06Q20/3829 , G06Q20/40 , G06Q20/4037 , G06Q40/02 , H04L9/0643 , H04L9/0861 , H04L9/321 , H04L9/3226 , H04L9/3236 , H04L63/0428 , H04L63/08 , H04L63/0884 , H04W12/04 , H04W12/08
摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
摘要翻译：公开了使用算法定义的键进行服务激活的系统和方法。与第一方有关系的消费者可能希望注册第三方提供的服务。第一方可以通过使用算法定义的键来保持对这种注册的控制。算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。验证提供数据同步，而不需要第三方访问第一方数据系统。

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