专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

51. 发明授权

US08087582B2 Method and system for generating a dynamic verification value 有权
标题翻译：用于生成动态验证值的方法和系统
公开(公告)号：US08087582B2
公开(公告)日：2012-01-03
申请号：US12776949
申请日：2010-05-10
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： G06Q40/00 , G07D11/00 , G07F19/00
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。

52. 发明申请

US20110191237A1 Information Access Device and Data Transfer 审中-公开
标题翻译：信息访问设备和数据传输
公开(公告)号：US20110191237A1
公开(公告)日：2011-08-04
申请号：US12953372
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： G06Q30/00 , G06Q40/00 , G06F15/00
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 first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.
摘要翻译：本发明的实施例涉及用于使用具有加速度计的第一设备通过与加速度计接触第二设备来传送数据的系统，设备和方法，从而生成表示移动设备之间的物理接触的交互数据和第二设备。第一设备可以是移动电话。第二设备可以是移动电话或固定式售货亭或终端。具有加速度计的第一设备物理地接触第二设备。第一和第二设备中的每一个产生表示第一和第二设备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确定第一设备和第二设备物理上彼此接触。在确定移动设备和第二设备联系之后，可以在设备之间发起通信。通信可以包括客户提供的信息（例如，购物清单）和商家提供的信息（例如，来自消费者购物清单的库存或销售的商品）。在一些实施例中，在第一和第二计算设备中的每一个独立地与移动设备交互之后，三个设备之间的至少两个独立交互将数据从第一计算设备传送到第二计算设备。

53. 发明授权

US07967203B2 Authenticating a document with a magnetic stripe 有权
标题翻译：用磁条验证文档
公开(公告)号：US07967203B2
公开(公告)日：2011-06-28
申请号：US12276212
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： G06K7/08
CPC分类号： G06K7/084
摘要： Methods, systems, and apparatus for efficiently 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 transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity.
摘要翻译：提供了用于有效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。测量的数字样本可以被变换为连续基函数的系数，例如傅里叶变换。然后将这些系数与参考值（例如相应的系数）进行比较以产生文档真实性的量度。所使用的系数的数量可以有利地小于数字样本的数量，而不损害精度，因此在扫描仪和认证实体之间使用较少的带宽。

54. 发明申请

US20100299249A1 SKU LEVEL CONTROL AND ALERTS 审中-公开
标题翻译： SKU级控制和警报
公开(公告)号：US20100299249A1
公开(公告)日：2010-11-25
申请号：US12767335
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： G06Q40/00 , G06F17/30
CPC分类号： G06Q20/425 , G06Q20/10 , G06Q20/32 , G06Q20/3221 , G06Q20/3223 , G06Q20/42 , G06Q40/00
摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.
摘要翻译：本发明的实施例涉及一种用于确定与支付帐户的辅助用户进行的交易相关的产品的系统和方法，以及发送包含产品特定信息的消息。可以实现系统以在支付处理期间传送商品标识符。产品特定信息可能包含在发送到帐户持有人的警报消息中。

55. 发明申请

US20100268557A1 ENROLLMENT SERVER 审中-公开
标题翻译： ENROLLING服务器
公开(公告)号：US20100268557A1
公开(公告)日：2010-10-21
申请号：US12581753
申请日：2009-10-19
申请人： Patrick Faith , Ayman Hammad , Jack Coyne
发明人： Patrick Faith , Ayman Hammad , Jack Coyne
IPC分类号： G06Q10/00 , G06F17/30 , G06F7/10
CPC分类号： G06Q20/3255 , G06Q20/00 , G06Q20/3223 , G06Q20/4016 , G06Q20/405 , G06Q30/0201 , G06Q40/02 , G06Q40/12
摘要： Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user's transaction history can be reviewed to determine if the enrollment fits the user's transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.
摘要翻译：提供了用于处理注册请求的系统，方法和装置。注册请求可以从用户发送到注册服务器。注册服务器可以使用可能包含反映注册请求中的信息的有效性的权威数据的实体来验证注册请求中的信息。注册请求中涉及的设备的真实性也可以被验证。此外，可以审查用户的交易历史以确定注册是否符合用户的交易历史资料。根据验证信息和与注册相关的风险级别，注册服务器可能允许或拒绝注册请求。

56. 发明申请

US20090202081A1 KEY DELIVERY SYSTEM AND METHOD 审中-公开
标题翻译：关键输送系统及方法
公开(公告)号：US20090202081A1
公开(公告)日：2009-08-13
申请号：US12028220
申请日：2008-02-08
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： H04L9/30 , H04L9/08
CPC分类号： H04L9/0822 , H04L2209/56
摘要： A method for delivering a key is disclosed. The method includes encrypting a first key using a second uniquely derived key to form an encrypted first key, and providing the encrypted first key to a transaction device. The transaction device contains the second uniquely derived key.
摘要翻译：公开了一种递送密钥的方法。该方法包括使用第二唯一导出密钥来加密第一密钥以形成加密的第一密钥，以及将加密的第一密钥提供给交易设备。交易设备包含第二唯一导出的密钥。

57. 发明申请

US20090119170A1 PORTABLE CONSUMER DEVICE INCLUDING DATA BEARING MEDIUM INCLUDING RISK BASED BENEFITS 审中-公开
标题翻译：便携式消费设备，包括数据承载介质，包括基于风险的优点
公开(公告)号：US20090119170A1
公开(公告)日：2009-05-07
申请号：US12257179
申请日：2008-10-23
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q30/00
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： A system and method for distributing coupons to consumers at the point-of-sale, where the benefit offered in the coupon can be determined according to a risk analysis. The coupon can then be applied to a transaction taking place at the point-of-sale or stored for future use.
摘要翻译：在销售点向消费者分发优惠券的系统和方法，其中可以根据风险分析确定优惠券中提供的利益。然后可以将优惠券应用于在销售点进行的交易，或存储以供将来使用。

58. 发明申请

US20090112766A1 DEVICE INCLUDING MULTIPLE PAYMENT APPLICATIONS 审中-公开
标题翻译：设备包括多种付款应用
公开(公告)号：US20090112766A1
公开(公告)日：2009-04-30
申请号：US12257095
申请日：2008-10-23
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/00 , G06Q40/00
CPC分类号： G06Q20/32 , G06Q20/10 , G06Q20/20 , G06Q20/227 , G06Q20/3278 , G06Q20/3574 , G06Q20/40
摘要： Embodiments of the invention are directed to a method, a system, a device and a computer-readable media for selecting one or more payment application at the point-of-sale and using the select one or more payment applications to conduct a transaction. One embodiment is directed to a method for automatically selecting one or more payment applications to use in a transaction so that the selected payment applications give the consumer an optimized benefit or benefits.
摘要翻译：本发明的实施例涉及用于在销售点选择一个或多个支付应用并使用所选择的一个或多个支付应用进行交易的方法，系统，设备和计算机可读介质。一个实施例涉及一种用于自动选择在交易中使用的一个或多个支付应用程序的方法，使得所选择的支付应用给予消费者优化的收益或收益。

59. 发明申请

US20080103982A1 Terminal Data Encryption 有权
标题翻译：终端数据加密
公开(公告)号：US20080103982A1
公开(公告)日：2008-05-01
申请号：US11764351
申请日：2007-06-18
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： H04L9/16 , G06Q40/00
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 is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.
摘要翻译：公开了一种方法。该方法包括在与接入设备交互之后产生初始密钥，将密钥存储在密钥存储位置，用公钥改变初始密钥以形成改变的密钥，以及将修改的密钥发送到服务器计算机以及访问设备的标识符。改变的密钥在服务器计算机上被更改为初始密钥，并且将该标识符存储在与服务器计算机可操作地通信的数据库中。存储在密钥存储位置和数据库中的初始密钥用于改变和恢复与使用访问设备进行的多个金融交易相关联的交易数据。

60. 发明申请

US20080040276A1 Transaction Authentication Using Network 审中-公开
标题翻译：使用网络的事务认证
公开(公告)号：US20080040276A1
公开(公告)日：2008-02-14
申请号：US11764343
申请日：2007-06-18
申请人： Ayman Hammad , Patrick Faith , Mark Carlson
发明人： Ayman Hammad , Patrick Faith , Mark Carlson
IPC分类号： G06Q40/00
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： Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.
摘要翻译：公开了用于改进消费者和便携式消费者设备认证的系统和方法。这样的系统和方法可以包括使用动态验证值，挑战问题和消费者通知作为防止欺诈性交易被执行的方式。

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式