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11. 发明申请

US20090112757A1 MOBILE DEVICE INCLUDING COMPUTER READABLE MEDIUM SUITABLE FOR TAX PROCESSING AND CURRENCY CONVERSION 有权
标题翻译：包括计算机可读介质的移动设备，适用于税收处理和货币转换
公开(公告)号：US20090112757A1
公开(公告)日：2009-04-30
申请号：US12258007
申请日：2008-10-24
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/00
CPC分类号： G06Q20/3825 , G06Q10/087 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/3274 , G06Q20/3276 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q30/00 , G06Q30/0212 , G06Q30/0215 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/12 , G06Q40/128 , H04L63/18
摘要： Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information including a transaction amount associated with a transaction conducted between a merchant and a consumer at an access device, to a server computer. The server computer determines a location of a mobile communication device operated by the consumer and converts an transaction amount to a currency based on a conversion rate based on the location of the mobile communication device or determines a tax amount based on the transaction amount and based on the location of the mobile communication device. The method also receives the converted transaction amount or the tax amount.
摘要翻译：基于移动通信设备的位置将交易转换为新货币和税收处理的系统和方法。这些系统和方法将包括与在商业访问设备处的商家和消费者之间进行的交易相关联的交易金额的交易信息发送到服务器计算机。服务器计算机确定由消费者操作的移动通信设备的位置，并且基于移动通信设备的位置，基于转换速率将交易金额转换为货币，或者基于交易量确定税额，并基于移动通信设备的位置。该方法还收到转换交易金额或税额。

12. 发明申请

US20080005037A1 CONSUMER AUTHENTICATION SYSTEM AND METHOD 有权
标题翻译：消费者认证系统和方法
公开(公告)号：US20080005037A1
公开(公告)日：2008-01-03
申请号：US11763240
申请日：2007-06-14
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： H04L9/00
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
摘要翻译：用于认证消费者的方法。该方法包括接收与便携式消费者设备进行交易的消费者相关联的授权请求消息。向消费者发送挑战消息，其中挑战消息是动态或半动态的。从消费者接收到询问响应消息，向消费者发送授权响应消息。授权响应消息指示交易是否被授权。

13. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

14. 发明授权

US09721250B2 Location based authentication 有权
公开(公告)号：US09721250B2
公开(公告)日：2017-08-01
申请号：US12258322
申请日：2008-10-24
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/40 , G06Q10/08 , G06Q20/10 , G06Q20/20 , G06Q20/32 , G06Q20/38 , G06Q30/00 , G06Q30/02 , G06Q30/06 , G06Q40/00 , G06Q40/02 , H04L29/06
CPC分类号： G06Q20/3825 , G06Q10/087 , G06Q20/10 , G06Q20/102 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/3274 , G06Q20/3276 , G06Q20/387 , G06Q20/40 , G06Q20/401 , G06Q30/00 , G06Q30/0212 , G06Q30/0215 , G06Q30/0601 , G06Q40/00 , G06Q40/025 , G06Q40/12 , G06Q40/128 , H04L63/18
摘要： A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.

15. 发明申请

US20150198983A1 ACCESS USING A MOBILE DEVICE WITH AN ACCELEROMETER 审中-公开
标题翻译：使用带有加速度计的移动设备进行访问
公开(公告)号：US20150198983A1
公开(公告)日：2015-07-16
申请号：US14338930
申请日：2014-07-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Krishna Prasad Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Krishna Prasad Koganti
IPC分类号： G06F1/16 , G06Q20/42 , G06Q20/40 , G06Q20/10 , G06Q20/32
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/08
摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.
摘要翻译：本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。第一和第二装置可以是移动电话。第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。服务器计算机基于交互数据确定第一设备和第二设备进行物理接触。在确定第一设备和第二设备联系之后，可以在设备之间发起通信。通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（诸如凭证）之间的访问交易，以验证潜在进入者是否被允许或不允许访问被守门员固定或限制的特定区域。其他实施例直接用于确认交易。访问交易和确认交易可以与使用支付处理网络的金融交易组合。

16. 发明授权

US09027831B2 Updating of reference magnetic signature for authenticating a document with a magnetic stripe 有权
标题翻译：更新用于使用磁条认证文件的参考磁性签名
公开(公告)号：US09027831B2
公开(公告)日：2015-05-12
申请号：US12276227
申请日：2008-11-21
申请人： Xiang Fang , Patrick Faith , Craig M. Kato , Ayman Hammad , Krishan Prasad Koganti
发明人： Xiang Fang , Patrick Faith , Craig M. Kato , Ayman Hammad , Krishan Prasad Koganti
IPC分类号： G06K5/00 , G06K19/12
CPC分类号： G06K19/12
摘要： Methods, systems, and apparatus for accurately authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be used to create a representation of the magnetic signature. The representation can then be compared to reference values to produce a measure of the authenticity of the document. The reference values are updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements.
摘要翻译：提供了用于准确地认证具有磁条的文档（例如，信用卡）的方法，系统和装置。例如通过检验扫描仪来测量磁条的不同点处的磁场以产生磁性签名。测量的数字样本可用于创建磁性签名的表示。然后可以将表示与参考值进行比较，以产生文档的真实性的度量。随着时间的推移，参考值被更新以反映由于物理恶化可能发生的真实文件的磁条的变化。例如，可以基于认证文件的最近测量来优化参考值，以提供对未来测量的真实性的更准确的确定。

17. 发明授权

US08653941B2 Device including authentication glyph 有权
标题翻译：设备包括认证字形
公开(公告)号：US08653941B2
公开(公告)日：2014-02-18
申请号：US13412447
申请日：2012-03-05
申请人： Patrick Faith , Ayman Hammad , Mark Carlson
发明人： Patrick Faith , Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/40
CPC分类号： G06F21/36 , G06Q20/40
摘要： A method is disclosed. It includes displaying, by a device, an authentication image including a plurality of image elements comprising a set of image elements, wherein the image elements in the set of image elements are located at a set of positions on a display screen. The method also comprises receiving, at the device, a glyph having a configuration corresponding to the set of image elements from a user while the authentication image is displayed. The method further comprises determining if the glyph is authentic, and initiating a payment transaction after receiving the glyph.
摘要翻译：公开了一种方法。它包括由设备显示包括包括一组图像元素的多个图像元素的认证图像，其中图像元素组中的图像元素位于显示屏幕上的一组位置处。该方法还包括在显示认证图像的同时，在设备处接收具有与来自用户的图像元素集合相对应的配置的字形。该方法还包括确定字形是否是真实的，并且在接收到字形之后发起支付交易。

18. 发明申请

US20130226802A1 VERIFICATION VALUE SYSTEM AND METHOD 有权
标题翻译：验证值系统和方法
公开(公告)号：US20130226802A1
公开(公告)日：2013-08-29
申请号：US13763570
申请日：2013-02-08
申请人： Ayman Hammad , Patrick Faith , Christian Aabye , Jagdeep Singh Sahota
发明人： Ayman Hammad , Patrick Faith , Christian Aabye , Jagdeep Singh Sahota
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3227 , G06Q20/04 , G06Q20/10 , G06Q20/20 , G06Q20/206 , G06Q20/32 , G06Q20/341 , G06Q20/3823 , G06Q20/388 , G06Q20/40 , G06Q20/4093 , G07F7/1008
摘要： A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.
摘要翻译：公开了一种方法。该方法包括响应于涉及便携式消费者设备的交易产生验证值，其中使用第一动态数据元素和第二动态数据元素生成验证值。验证值被发送到与便携式消费者设备相关联的服务提供商，使得服务提供商可以验证交易。

19. 发明授权

US08504451B2 Method and system using candidate dynamic data elements 有权
标题翻译：使用候选动态数据元素的方法和系统
公开(公告)号：US08504451B2
公开(公告)日：2013-08-06
申请号：US11940074
申请日：2007-11-14
申请人： Patrick Faith , Ayman Hammad
发明人： Patrick Faith , Ayman Hammad
IPC分类号： G06Q40/00
CPC分类号： G06Q20/4016 , G06Q20/20 , G06Q20/40 , G06Q30/04 , G07F7/08 , G07F7/12 , G07F7/122
摘要： A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.
摘要翻译：一种用于进行交易的方法和计算机可读介质，包括接收验证值和动态数据元素的一部分，使用动态数据元素的部分确定候选动态数据元素，使用候选动态数据元素计算候选验证值，以及确定接收到的验证值是否匹配任何候选验证值，其中如果候选验证值与候选验证值匹配，则其后验证该交易。

20. 发明申请

US20120158591A1 CONSUMER AUTHENTICATION SYSTEM AND METHOD 审中-公开
标题翻译：消费者认证系统和方法
公开(公告)号：US20120158591A1
公开(公告)日：2012-06-21
申请号：US13352247
申请日：2012-01-17
申请人： Ayman Hammad , Patrick Faith , Mark Carlson
发明人： Ayman Hammad , Patrick Faith , Mark Carlson
IPC分类号： G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3829 , G06Q20/085 , G06Q20/105 , G06Q20/20 , G06Q20/204 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/401 , G06Q30/06 , G06Q40/00 , G06Q2220/00 , H04L9/3271 , H04L2209/56
摘要： A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
摘要翻译：用于认证消费者的方法。该方法包括接收与便携式消费者设备进行交易的消费者相关联的授权请求消息。向消费者发送挑战消息，其中挑战消息是动态或半动态的。从消费者接收到询问响应消息，向消费者发送授权响应消息。授权响应消息指示交易是否被授权。

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