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1. 发明申请

US20120284187A1 SYSTEM AND METHOD FOR PROCESSING PAYMENT TRANSACTIONS 审中-公开
标题翻译：处理支付交易的系统和方法
公开(公告)号：US20120284187A1
公开(公告)日：2012-11-08
申请号：US13420377
申请日：2012-03-14
申请人： Ayman Hammad , Patrick L. Faith , Mark Carlson
发明人： Ayman Hammad , Patrick L. Faith , Mark Carlson
IPC分类号： G06Q20/38 , G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/20 , G06Q20/32 , G06Q20/34 , G06Q20/382 , G06Q20/40 , G06Q20/409
摘要： A system and associated data processing flow for processing payment transactions that are conducted using a payment account or portable consumer device. The portable consumer device may be in any suitable form, including cards, key fobs, devices containing a contactless element, smart cards (having contacts or without contacts), etc. The invention separates the authentication of the payment account or payment device from the transaction authorization process, enabling different entities to be responsible for each of those functions.
摘要翻译：用于处理使用支付帐户或便携式消费者设备进行的支付交易的系统和相关联的数据处理流程。便携式消费设备可以是任何合适的形式，包括卡，密钥卡，包含非接触元件的设备，智能卡（具有联系人或不具有联系人）等。本发明将支付帐户或支付设备的认证与交易分离授权过程，使不同的实体能够对这些功能负责。

2. 发明申请

US20120259784A1 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：US20120259784A1
公开(公告)日：2012-10-11
申请号：US13529474
申请日：2012-06-21
申请人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
发明人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
IPC分类号： G06Q40/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向消费者的电子设备（诸如手机）发送交易通知消息。

3. 发明申请

US20110035317A1 SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY 审中-公开
标题翻译：使用交易历史进行无害化反应验证
公开(公告)号：US20110035317A1
公开(公告)日：2011-02-10
申请号：US12787788
申请日：2010-05-26
申请人： Mark Carlson , Patrick L. Faith , Ayman Hammad , Shalini Mayor
发明人： Mark Carlson , Patrick L. Faith , Ayman Hammad , Shalini Mayor
IPC分类号： H04L9/32 , G06Q40/00
摘要： Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of personal transaction data from the user's credit card or other financial account is presented. Because the personal transaction data is substantially private to user and his or her financial institution and card servicing company and not known to the public, the recipient can be assured that the message truly came from the financial institution or the card servicing company and not from a phisher.
摘要翻译：公开了用于提供通信和其他消息的认证验证的系统和方法。诸如统一资源定位符（URL）链接的链接被放置在通信中并发送给用户。当用户跟随链接时，呈现来自用户的信用卡或其他财务帐户的个人交易数据的列表。由于个人交易数据对于用户及其金融机构和卡服务公司而言基本上是私人的，并且不被公众所知，所以接收者可以确定该消息真正来自金融机构或卡服务公司，而不是来自钓鱼者

4. 发明申请

US20100274720A1 FRAUD AND REPUTATION PROTECTION USING ADVANCED AUTHORIZATION AND RULES ENGINE 审中-公开
标题翻译：使用高级授权和规则发动机的防范和声明保护
公开(公告)号：US20100274720A1
公开(公告)日：2010-10-28
申请号：US12767966
申请日：2010-04-27
申请人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
发明人： Mark Carlson , Patrick Stan , Patrick L. Faith , Ayman Hammad , Ben Rewis
IPC分类号： G06Q40/00 , G06Q30/00
CPC分类号： G06Q20/401 , G06Q20/202 , G06Q20/325 , G06Q20/40 , G06Q30/0185 , G06Q30/0224 , G06Q30/0236 , G06Q40/12 , G06Q50/265 , G08B5/229 , G08B25/004 , H04L12/1895 , H04L67/04 , H04L67/26 , H04L67/306
摘要： Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone.
摘要翻译：呈现用于分析信用卡或其他金融交易的系统和方法，并且基于交易的分数是否满足或超过用户选择的阈值，向消费者的电子设备（诸如手机）发送交易通知消息。

5. 发明申请

US20160350736A1 MERCHANT ALERT BASED SYSTEM AND METHOD INCLUDING CUSTOMER PRESENCE NOTIFICATION 审中-公开
标题翻译：基于商业警报的系统和包括客户存在通知的方法
公开(公告)号：US20160350736A1
公开(公告)日：2016-12-01
申请号：US15236294
申请日：2016-08-12
申请人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
发明人： Mark Carlson , Patrick Stan , Ayman Hammad , Ben Rewis , Patrick L. Faith
IPC分类号： G06Q20/20 , H04L29/08 , G06Q30/02
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。

6. 发明申请

US20130006847A1 Mixed Mode Transaction Protocol 审中-公开
标题翻译：混合模式事务协议
公开(公告)号：US20130006847A1
公开(公告)日：2013-01-03
申请号：US13338108
申请日：2011-12-27
申请人： Ayman Hammad , Patrick L. Faith
发明人： Ayman Hammad , Patrick L. Faith
IPC分类号： G06Q20/32 , H04B7/00 , H04B5/00
CPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/382 , G06Q20/425
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.
摘要翻译：与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。混合模式事务将事务处理中使用的至少两种通信模式相结合。事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。第一设备可以是消费者的移动设备，并且设备可以是商家接入设备或销售点终端。为了继续交易，可以启动第二种通信模式。第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

7. 发明授权

US08538885B2 Encryption switch processing 有权
标题翻译：加密开关处理
公开(公告)号：US08538885B2
公开(公告)日：2013-09-17
申请号：US13660894
申请日：2012-10-25
申请人： Patrick L. Faith , Kris Koganti , Ayman Hammad , Ben Rewis
发明人： Patrick L. 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。

8. 发明申请

US20140263621A1 MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 审中-公开
标题翻译：用于金融交易的手机用户手册
公开(公告)号：US20140263621A1
公开(公告)日：2014-09-18
申请号：US14252443
申请日：2014-04-14
申请人： Patrick L. Faith , Ayman Hammad
发明人： Patrick L. Faith , Ayman Hammad
IPC分类号： G06Q20/34
CPC分类号： G06Q20/353 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/3552 , G07F7/0833 , G07F7/0873 , G07F7/10
摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.
摘要翻译：提供了用于金融交易令牌的移动订户单元。用户单元与与用户单元通信的金融令牌或卡接口。金融令牌或卡具有车载能量源，使得卡令牌可以远离商业终端（例如，POS终端）操作。在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为用户单元的板载电子设备和/或与订户单元通信的金融令牌的电子设备供电。订户单元可以是另一个消费者设备的组件，例如计算设备，通信设备，服装项目，珠宝项目，手机，PDA，身份证，货币持有人，钱包，钱包，公文包或个人组织者。

9. 发明授权

US11004056B2 Mixed mode transaction protocol 有权
公开(公告)号：US11004056B2
公开(公告)日：2021-05-11
申请号：US13338108
申请日：2011-12-27
申请人： Ayman Hammad , Patrick L. Faith
发明人： Ayman Hammad , Patrick L. Faith
IPC分类号： G06Q20/32 , G06Q20/20 , G06Q20/42 , G06Q20/38
摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.

10. 发明申请

US20180253720A1 MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 审中-公开
公开(公告)号：US20180253720A1
公开(公告)日：2018-09-06
申请号：US15969662
申请日：2018-05-02
申请人： Patrick L. Faith , Ayman Hammad
发明人： Patrick L. Faith , Ayman Hammad
IPC分类号： G06Q20/34 , G07F7/10 , G07F7/08 , G06Q20/32
CPC分类号： G06Q20/353 , G06Q20/32 , G06Q20/322 , G06Q20/3274 , G06Q20/3552 , G07F7/0833 , G07F7/0873 , G07F7/10
摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

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