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61. 发明申请

US20090112767A1 ESCROW SYSTEM AND METHOD 审中-公开
标题翻译： ESCROW系统和方法
公开(公告)号：US20090112767A1
公开(公告)日：2009-04-30
申请号：US12257212
申请日：2008-10-23
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q40/00
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 conducting purchasing transactions using escrow. A central processing entity secures the terms to a purchasing transaction on behalf of the various parties to the transaction. Once the terms of the purchasing transaction are agreed upon, the central processing entity holds any funds used in the transaction in escrow until confirmation is received that a supplier's contractual obligations have been fulfilled.
摘要翻译：使用代管进行采购交易的系统和方法。中央处理实体代表交易的各方确定购买交易的条款。一旦采购交易的条款获得协议，中央处理单位将持有交易中使用的任何资金托管，直到确认收到供应商的合同义务已经履行为止。

62. 发明申请

US20090112721A1 VALUE-ADDED SERVICES ENGINE 审中-公开
标题翻译：增值服务引擎
公开(公告)号：US20090112721A1
公开(公告)日：2009-04-30
申请号：US12257987
申请日：2008-10-24
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q30/00 , G06Q10/00
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 for conducting a transaction using a Value-Added Services Engine. The method initiates sending transaction information with a product identifier identifying a product associated with a transaction conducted between a merchant and a consumer to the Value-Added Services Engine. The Value-Added Services Engine is programmed to determine a benefit associated with the product. The benefit is determined after communicating with a supplier of the product. The method also receives an indication of the benefit.
摘要翻译：使用增值服务引擎进行交易的系统和方法。该方法发起交易信息，其中产品标识符标识与商户和消费者之间进行的交易相关联的产品到增值服务引擎。增值服务引擎被编程为确定与产品相关的益处。该收益是在与供应商进行通信后决定的。该方法还收到益处的指示。

63. 发明申请

US20080120236A1 DYNAMIC MAGNETIC STRIPE 有权
标题翻译：动态磁条
公开(公告)号：US20080120236A1
公开(公告)日：2008-05-22
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。

64. 发明申请

US20190259020A1 ENROLLMENT SERVER 审中-公开
公开(公告)号：US20190259020A1
公开(公告)日：2019-08-22
申请号：US16283547
申请日：2019-02-22
申请人： Patrick Faith , Ayman Hammad , Jack Coyne
发明人： Patrick Faith , Ayman Hammad , Jack Coyne
IPC分类号： G06Q20/32 , G06Q40/00 , G06Q40/02 , G06Q30/02 , G06Q20/00 , G06Q20/40
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.

65. 发明申请

US20180189790A1 METHOD AND SYSTEM USING CANDIDATE DYNAMIC DATA ELEMENTS 审中-公开
公开(公告)号：US20180189790A1
公开(公告)日：2018-07-05
申请号：US15904156
申请日：2018-02-23
申请人： Patrick Faith , Ayman Hammad
发明人： Patrick Faith , Ayman Hammad
IPC分类号： G06Q20/40 , G07F7/12 , G07F7/08 , G06Q20/20 , G06Q30/04
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.

66. 发明申请

US20170286953A1 LOCATION BASED AUTHENTICATION 审中-公开
公开(公告)号：US20170286953A1
公开(公告)日：2017-10-05
申请号：US15632189
申请日：2017-06-23
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q20/38 , G06Q20/40 , G06Q20/32
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.

67. 发明授权

US08489506B2 Portable consumer device verification system 有权
标题翻译：便携式消费者设备验证系统
公开(公告)号：US08489506B2
公开(公告)日：2013-07-16
申请号：US12882716
申请日：2010-09-15
申请人： Ayman Hammad , Patrick Faith
发明人： Ayman Hammad , Patrick Faith
IPC分类号： G06Q40/00 , G06K7/08
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 verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.
摘要翻译：一种用于验证便携式消费者设备的方法。该方法包括接收与使用便携式消费者设备进行的交易相关联的授权请求消息。便携式消费者设备包括便携式消费者设备指纹。授权请求消息包括改变的便携式消费者设备指纹和算法标识符。该方法还包括使用算法标识符从多个算法中选择算法，使用所选算法确定便携式消费者设备指纹和改变的便携式消费者设备指纹，确定便携式消费者设备指纹是否匹配存储的便携式消费者设备指纹，以及在确定所述便携式消费者设备指纹是否与所存储的便携式消费者设备指纹匹配之后发送授权响应消息。

68. 发明授权

US08352315B2 Pre-authorization of a transaction using predictive modeling 有权
标题翻译：使用预测建模预交易交易
公开(公告)号：US08352315B2
公开(公告)日：2013-01-08
申请号：US12773763
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
IPC分类号： G06Q30/00 , G06F7/04 , G06F15/16 , G06F17/30 , H04L29/06
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
摘要翻译：提供了系统，装置和方法以有效地授权由消费者发起的交易。在消费者实际启动交易之前，可以生成授权。例如，可以预测未来的事务，并且可以为预测的事务生成授权。以这种方式，当消费者确实启动交易时，可以准备好并快速使用授权。消费者以前的交易可以用于预测未来交易何时可能。在各种示例中，当消费者启动预测的交易或由授权服务器保存以响应商家的授权请求使用时，授权可以被发送到特定商家或消费者使用。

69. 发明授权

US08313022B2 Verification of portable consumer device for 3-D secure services 有权
标题翻译：用于3-D安全服务的便携式消费者设备的验证
公开(公告)号：US08313022B2
公开(公告)日：2012-11-20
申请号：US13347495
申请日：2012-01-10
申请人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
发明人： Ayman Hammad , Patrick Faith , Krishna Prasad Koganti , Ben Rewis , Brendan Xavier Louis , Kevin Weller , Benedicto Hernandez Dominguez
IPC分类号： G06K5/00
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。

70. 发明申请

US20120136735A1 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：US20120136735A1
公开(公告)日：2012-05-31
申请号：US13308419
申请日：2011-11-30
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： G06Q20/40 , G06Q20/20 , 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。

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