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1. 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。

2. 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。

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. 发明授权

US08538885B2 Encryption switch processing 有权
标题翻译：加密开关处理
公开(公告)号：US08538885B2
公开(公告)日：2013-09-17
申请号：US13660894
申请日：2012-10-25
申请人： Patrick L. Faith , Kris Koganti , Ayman Hammad , Ben Rewis
发明人： Patrick L. Faith , Kris Koganti , Ayman Hammad , Ben Rewis
IPC分类号： G06Q20/00 , G06Q30/00
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/40 , G06Q30/0613
摘要： A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.
摘要翻译：公开了一种通过支付处理网络和接入设备之间的安全通信信道传递非金融电子数据的方法。本发明的一个实施例涉及一种方法，包括在支付处理网络处接收在消费者设备和支付处理网络之间建立安全通信信道的请求。在与消费者设备建立安全通信通道之后，支付处理器网络从支付处理网络处的商家接收非金融电子内容，其中在与商户相关联的用户在商家处选择非金融电子内容。非金融电子内容经由消费者设备和支付处理网络之间的安全通信信道从支付处理网络发送到消费者设备。

5. 发明申请

US20130066781A1 ENCRYPTION SWITCH PROCESSING 有权
标题翻译：加密切换处理
公开(公告)号：US20130066781A1
公开(公告)日：2013-03-14
申请号：US13660894
申请日：2012-10-25
申请人： Patrick L. Faith , Kris Koganti , Ayman Hammad , Ben Rewis
发明人： Patrick L. Faith , Kris Koganti , Ayman Hammad , Ben Rewis
IPC分类号： G06Q20/22 , G06Q20/40
CPC分类号： G06Q30/06 , G06Q20/10 , G06Q20/40 , G06Q30/0613
摘要： A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.
摘要翻译：公开了一种通过支付处理网络和接入设备之间的安全通信信道传递非金融电子数据的方法。本发明的一个实施例涉及一种方法，包括在支付处理网络处接收在消费者设备和支付处理网络之间建立安全通信信道的请求。在与消费者设备建立安全通信通道之后，支付处理器网络从支付处理网络处的商家接收非金融电子内容，其中在与商户相关联的用户在商家处选择非金融电子内容。非金融电子内容经由消费者设备和支付处理网络之间的安全通信信道从支付处理网络发送到消费者设备。

6. 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。

7. 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。

8. 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

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

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。

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