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21. 发明授权

US08606700B2 Systems and methods for secure and transparent cardless transactions 有权
标题翻译：用于安全和透明无卡交易的系统和方法
公开(公告)号：US08606700B2
公开(公告)日：2013-12-10
申请号：US13358475
申请日：2012-01-25
申请人： Mark Carlson , Surendra Keshan , Patrick Faith
发明人： Mark Carlson , Surendra Keshan , Patrick Faith
IPC分类号： G06Q10/00
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： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
摘要翻译：提供了用于处理和/或授权消费者进行交易的支付请求的系统，方法和装置。支付信息可以直接从消费者发送到非商家，从而不允许新的实体获取付款信息。可以使用事务标识符来促进实体之间的通信。支付信息可以通过商业应用程序发送到非商人，其中提交付款按钮指向非商家，所以很少或者不需要偏离标准做法。

22. 发明申请

US20130218760A1 FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE 审中-公开
标题翻译：财务交易托盘与电源
公开(公告)号：US20130218760A1
公开(公告)日：2013-08-22
申请号：US13847912
申请日：2013-03-20
申请人： Patrick Faith , Ayman Hammad
发明人： Patrick Faith , Ayman Hammad
IPC分类号： G06K19/077
CPC分类号： G06K19/077 , G06Q20/341 , G06Q20/3415 , G06Q20/352 , G06Q20/367 , G07F7/082 , G07F7/084 , G07F7/1008
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.
摘要翻译：提供了用于金融交易的卡或令牌。金融交易令牌或卡片具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能使板载电子设备工作。在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。卡可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证，钱夹，钱包，个人组织者，钥匙扣付款标签等个性。

23. 发明授权

US08478692B2 Systems and methods for geographic location notifications of payment transactions 有权
标题翻译：支付交易地理位置通知的系统和方法
公开(公告)号：US08478692B2
公开(公告)日：2013-07-02
申请号：US12491125
申请日：2009-06-24
申请人： Mark Carlson , Patrick Faith
发明人： Mark Carlson , Patrick Faith
IPC分类号： G06Q40/00 , G06Q20/04
CPC分类号： G06Q20/3226 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/3255 , G06Q20/341 , G06Q20/347 , G06Q20/354 , G06Q20/40 , G06Q20/425 , G07F7/08
摘要： A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
摘要翻译：公开了一种用于提供支付交易的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方法，包括接收与交易相关联的授权请求消息，与便携式消费者设备相关联的交易以及商家处的访问设备。确定交易的地理位置。确定是否需要指示事务正在发生的通知消息。在确定需要通知消息时，通知消息被发送到由消费者操作的通知设备，并且通知设备在商家的授权响应消息的接收的基础上同时接收通知消息。在通知装置的地图上显示通知消息的图形描述。

24. 发明授权

US08434675B2 Crack embossing using diamond technology 有权
标题翻译：使用钻石技术的破裂压花
公开(公告)号：US08434675B2
公开(公告)日：2013-05-07
申请号：US13075270
申请日：2011-03-30
申请人： Patrick Faith
发明人： Patrick Faith
IPC分类号： G06F17/00 , G06F7/08 , G06Q40/00 , G07D11/00 , G07F19/00 , G06K5/00 , G06K19/00 , G06K19/06 , B44F1/06 , D06N7/04
CPC分类号： B42D25/373 , B32B2250/02 , B32B2255/10 , B32B2255/28 , B32B2425/00 , B42D25/00 , B42D25/285 , B42D25/318 , B42D2033/32 , G06K19/02 , G07D7/02 , Y10T428/24471
摘要： A portable consumer device having a substrate layer, a protective layer and a diamond-based brittle material layer having an intentionally created unique fissure or cracked patterns or crystal zone boundaries and systems and methods for making and using same are disclosed. The diamond-based brittle material layer includes a diamond material. The unique random fissure or cracked pattern and crystal zone boundaries, or the electromagnetic signature based thereon, of the brittle material layer are detected and used to authenticate the portable consumer device.
摘要翻译：公开了具有有意创造的独特裂缝或裂纹图案或晶体区边界的基底层，保护层和金刚石基脆性材料层的便携式消费装置，以及用于制造和使用它们的系统和方法。基于金刚石的脆性材料层包括金刚石材料。检测脆性材料层中独特的随机裂缝或裂纹图案和晶体区边界或基于其的电磁特征，并将其用于认证便携式消费装置。

25. 发明申请

US20130036003A1 INPUT DEVICE WITH AN ACCELEROMETER 有权
标题翻译：带加速度计的输入装置
公开(公告)号：US20130036003A1
公开(公告)日：2013-02-07
申请号：US13584168
申请日：2012-08-13
申请人： Patrick Faith , Mark Carlson , Ayman Hammad
发明人： Patrick Faith , Mark Carlson , Ayman Hammad
IPC分类号： G06F3/033 , G06Q30/02 , H04W4/02 , G06Q30/00 , H04W4/00
CPC分类号： H04W12/06 , G06F21/00 , G06K9/00335 , G06Q30/0201 , G06Q30/0207 , G06Q30/0261 , H04L63/0861 , H04N21/42204 , H04N21/812 , H04W4/18
摘要： Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. The multiple users can bump the display in order to select their items simultaneously.
摘要翻译：描述了方法，设备和系统，用于使诸如智能电话的移动设备与存储处的固定的海报板显示器相撞，以便向移动设备发起优惠券，广告或其他益处的下载。产品可以通过用户的上/下凹凸或其他凹凸图案进行评级。使用基于加速度计的惯性测量，多个用户可以使用移动设备在大型显示器上控制多个鼠标光标，以便选择要下载到其移动设备的信息。多个用户可以碰撞显示器，以便同时选择它们的项目。

26. 发明申请

US20120271660A1 CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS 有权
标题翻译：云服务辅助设备，方法和系统
公开(公告)号：US20120271660A1
公开(公告)日：2012-10-25
申请号：US13411499
申请日：2012-03-02
申请人： Theodore D. Harris , Patrick Faith
发明人： Theodore D. Harris , Patrick Faith
IPC分类号： G06Q20/40 , G06Q40/08
CPC分类号： G06Q30/016 , G06Q20/12
摘要： The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS (“CSF”) transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.
摘要翻译：云服务机构设备，方法和系统（CSF）通过CSF组件将用户购买请求，退款请求和产品/服务替换请求转换为交易记录，退款和替换产品/服务输出。 CSF可以从商家接收针对云服务的消费者购买请求。响应于该请求，CSF可以生成用于购买的唯一记录密钥，并且可以将唯一记录密钥发送给商家。 CSF可以进一步从商家接收额外的交易信息和唯一记录密钥。响应于接收到的信息和唯一密钥，CSF可以向商家或消费者提供额外的服务。

27. 发明申请

US20120198518A1 OBSERVABLE MOMENT ENCRYPTION 有权
标题翻译：可观察的动作加密
公开(公告)号：US20120198518A1
公开(公告)日：2012-08-02
申请号：US13443475
申请日：2012-04-10
申请人： Patrick Faith , Mark Carlson
发明人： Patrick Faith , Mark Carlson
IPC分类号： G06F21/00 , G06F7/04
CPC分类号： G06K19/07749 , G06K19/0716 , H04W12/06 , H04W12/12
摘要： A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.
摘要翻译：公开了一种通过在观察到可观察时刻逐渐改变消费者识别号码来加密便携式消费者装置中包含的消费者识别号码的方法，系统和装置。可观察的时刻可以是暴露于光或电磁场，使用便携式消费装置或温度变化。使用消费者识别号码如何逐渐改变的模式或历史来认证便携式消费者设备或消费者。

28. 发明授权

US08177135B2 Observable moment encryption 有权
标题翻译：可观察时刻加密
公开(公告)号：US08177135B2
公开(公告)日：2012-05-15
申请号：US12428712
申请日：2009-04-23
申请人： Patrick Faith , Mark Carlson
发明人： Patrick Faith , Mark Carlson
IPC分类号： G06K7/10 , G06K7/00
CPC分类号： G06K19/07749 , G06K19/0716 , H04W12/06 , H04W12/12
摘要： A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.
摘要翻译：公开了一种通过在观察到可观察时刻逐渐改变消费者识别号码来加密便携式消费者装置中包含的消费者识别号码的方法，系统和装置。可观察的时刻可以是暴露于光或电磁场，使用便携式消费装置或温度变化。使用消费者识别号码如何逐渐改变的模式或历史来认证便携式消费者设备或消费者。

29. 发明授权

US08121942B2 Systems and methods for secure and transparent cardless transactions 有权
标题翻译：用于安全和透明无卡交易的系统和方法
公开(公告)号：US08121942B2
公开(公告)日：2012-02-21
申请号：US12143509
申请日：2008-06-20
申请人： Mark Carlson , Surendra Keshan , Patrick Faith
发明人： Mark Carlson , Surendra Keshan , Patrick 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： Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
摘要翻译：提供了用于处理和/或授权消费者进行交易的支付请求的系统，方法和装置。支付信息可以直接从消费者发送到非商家，从而不允许新的实体获取付款信息。可以使用事务标识符来促进实体之间的通信。支付信息可以通过商业应用程序发送到非商人，其中提交付款按钮指向非商家，所以很少或者不需要偏离标准做法。

30. 发明申请

US20110291814A1 AUTO ACTIVATION OF A MOBILE DEVICE 有权
标题翻译：自动启动移动设备
公开(公告)号：US20110291814A1
公开(公告)日：2011-12-01
申请号：US13069140
申请日：2011-03-22
申请人： Patrick Faith
发明人： Patrick Faith
IPC分类号： G06K7/01
CPC分类号： H04W4/00 , G01S5/0226 , G06Q20/3224 , H04W4/02 , H04W64/00
摘要： Embodiments of the invention are directed to apparatuses, systems, and methods for automatically activating a consumer device using a sensor capable of detecting an external stimulus and location determination system capable of providing current location data for the consumer device when a user receives a device. The location determination system provides location data, which is sent to the activation server, in response to the sensor actuating. The location data determined at the time the sensor senses the external stimuli is compared to location data stored on the activation server to automatically activate the consumer device.
摘要翻译：本发明的实施例涉及使用能够检测外部刺激的传感器和能够在用户接收设备时为消费者设备提供当前位置数据的位置确定系统来自动激活消费者设备的装置，系统和方法。位置确定系统响应于传感器启动而提供发送到激活服务器的位置数据。将传感器感测外部刺激时确定的位置数据与存储在激活服务器上的位置数据进行比较，以自动激活消费者设备。

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