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21. 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。

22. 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。

23. 发明授权

US08159327B2 Device including authentication glyph 有权
标题翻译：设备包括认证字形
公开(公告)号：US08159327B2
公开(公告)日：2012-04-17
申请号：US12465061
申请日：2009-05-13
申请人： Patrick Faith , Ayman Hammad , Mark Carlson
发明人： Patrick Faith , Ayman Hammad , Mark Carlson
IPC分类号： H04Q1/00
CPC分类号： G06F21/36 , G06Q20/40
摘要： A device used in an authentication process. The device includes a processor, a display coupled to the processor, and a computer readable medium coupled to the processor. The computer readable medium includes (i) code for displaying a first authentication image including a plurality of image elements including a set of image elements, where the image elements in the set of image elements are located at a first set of positions on a display screen, (ii) code for receiving a first glyph having a first configuration corresponding to the set of image elements from a user while the first authentication image is displayed, (iii) code for displaying a second authentication image including the plurality of image elements including the set of image elements, where the image elements in the set of image elements are located at a second set of positions on the display screen, where the second set of positions is different than the first set of positions, and (iv) code for receiving a second glyph having a second configuration corresponding to the set of image elements from a user while the second authentication image is displayed.
摘要翻译：在认证过程中使用的设备。该设备包括处理器，耦合到处理器的显示器以及耦合到处理器的计算机可读介质。计算机可读介质包括（i）用于显示包括多个图像元素的第一认证图像的代码，所述多个图像元素包括一组图像元素，其中图像元素组中的图像元素位于显示屏幕上的第一组位置，（ii）用于在显示第一认证图像时从用户接收具有与来自用户的图像元素集合相对应的第一配置的第一字形的代码，（iii）用于显示包括多个图像元素的第二认证图像的代码，图像元素集合，其中图像元素集合中的图像元素位于显示屏幕上的第二组位置，其中第二组位置不同于第一组位置，以及（iv）用于接收的代码在显示第二认证图像时，具有与来自用户的图像元素的集合对应的第二配置的第二字形。

24. 发明授权

US08118220B2 Verifying cardholder identity using signature of the card 有权
标题翻译：使用卡的签名验证持卡人身份
公开(公告)号：US08118220B2
公开(公告)日：2012-02-21
申请号：US12276095
申请日：2008-11-21
申请人： Xiang Fang , Patrick Faith , Craig Kato , Ayman Hammad , Krishan Prasad Koganti
发明人： Xiang Fang , Patrick Faith , Craig Kato , Ayman Hammad , Krishan Prasad Koganti
IPC分类号： G06K7/00 , G06K19/06
CPC分类号： G06K7/087
摘要： Methods, systems, and apparatus for verifying the identity of a cardholder are provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card is stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁特性的数字表示被存储在持卡人的便携式电子设备上。在交易期间，然后传输数字签名，使其能够与参考签名进行比较。可以验证身份，并且例如在请求方和被验证方之间的交易期间发送到请求验证的一方的响应。

25. 发明申请

US20120018506A1 VERIFICATION OF PORTABLE CONSUMER DEVICE FOR 3-D SECURE SERVICES 有权
标题翻译：验证三维安全服务的便利消费者设备
公开(公告)号：US20120018506A1
公开(公告)日：2012-01-26
申请号：US13107715
申请日：2011-05-13
申请人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishma Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06F17/00
CPC分类号： G06Q20/409 , G06F21/34 , G06F2221/2129 , G06Q20/12 , G06Q20/3674 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q2220/00 , H04L9/0866 , H04L9/321 , H04L9/3234 , H04L9/3273 , H04L63/0853 , H04L63/126 , H04L2209/56
摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.
摘要翻译：公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。验证实体对从验证令牌接收到的信息应用一个或多个验证测试。如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

26. 发明申请

US20110189981A1 Transaction Using A Mobile Device With An Accelerometer 有权
标题翻译：使用加速度计的移动设备进行交易
公开(公告)号：US20110189981A1
公开(公告)日：2011-08-04
申请号：US12952811
申请日：2010-11-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
IPC分类号： G06Q40/00 , H04W4/24
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 invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.
摘要翻译：本发明的实施例可以使用第一加速度计来测量第一装置的第一加速度数据。还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计产生的第二加速度数据进行比较。如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。通信发起后，进行金融交易。加速度计数据可以被存储和/或用作支付处理网络中认证过程的一部分。本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

27. 发明申请

US20110187642A1 Interaction Terminal 审中-公开
标题翻译：互动终端
公开(公告)号：US20110187642A1
公开(公告)日：2011-08-04
申请号：US12953368
申请日：2010-11-23
申请人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Kris Koganti
IPC分类号： G06F3/033
CPC分类号： G06F1/1694 , G06F21/40 , G06Q20/10 , G06Q20/32 , G06Q20/3224 , G06Q20/389 , G06Q20/40 , G06Q20/4016 , G06Q20/42 , H04W12/00508 , 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 conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal 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 mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的移动设备通过与交互终端进行联系来进行金融交易的系统，装置和方法，从而生成表示移动设备与移动设备之间的物理接触的交互数据交互终端。移动设备可以是移动电话。交互终端可以是销售点终端，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。具有加速度计的移动设备物理地接触交互终端。交互终端弯曲，反冲或移动并生成表示移动设备和交互终端之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。服务器计算机基于交互数据来确定移动设备和交互终端进行物理接触。在确定移动设备和交互终端进行联系之后，可以在设备之间发起通信。通信可以涉及使用支付处理网络处理支付交易。

28. 发明申请

US20110159857A1 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：US20110159857A1
公开(公告)日：2011-06-30
申请号：US12954111
申请日：2010-11-24
申请人： Patrick Faith , Mark Carlson , Ayman Hammad
发明人： Patrick Faith , Mark Carlson , Ayman Hammad
IPC分类号： H04W4/02
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.
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。

29. 发明申请

US20110106659A1 Encryption Switch Processing 有权
标题翻译：加密开关处理
公开(公告)号：US20110106659A1
公开(公告)日：2011-05-05
申请号：US12917830
申请日：2010-11-02
申请人： Patrick Faith , Kris Koganti , Ayman Hammad , Ben Rewis
发明人： Patrick 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。

30. 发明申请

US20100287250A1 Merchant Alert Based System and Method Including Customer Presence Notification 有权
标题翻译：基于商家警报的系统和方法，包括客户存在通知
公开(公告)号：US20100287250A1
公开(公告)日：2010-11-11
申请号：US12767694
申请日：2010-04-26
申请人： Mark Carlson , Patrick Stan , Patrick Faith , Ayman Hammad , Ben Rewis
发明人： Mark Carlson , Patrick Stan , Patrick Faith , Ayman Hammad , Ben Rewis
IPC分类号： G06F15/173 , G06F15/16
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。

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