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1. 发明授权

US10223691B2 Universal electronic payment apparatuses, methods and systems 有权
公开(公告)号：US10223691B2
公开(公告)日：2019-03-05
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q20/36 , G06Q20/20 , G06Q30/06 , G07F7/08 , G06Q20/32
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

2. 发明授权

US09424603B2 Mobile location notifications system and method 有权
标题翻译：移动位置通知系统和方法
公开(公告)号：US09424603B2
公开(公告)日：2016-08-23
申请号：US13615199
申请日：2012-09-13
申请人： Ayman Hammad , Prakash Hariramani
发明人： Ayman Hammad , Prakash Hariramani
IPC分类号： G06Q30/00 , G06Q30/06
CPC分类号： G06Q30/0261 , G06Q20/405 , G06Q30/0267 , G06Q30/0269 , G06Q30/0639
摘要： Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.
摘要翻译：本发明的实施例涉及用于确定移动商家位置的系统，装置和方法，以及基于所确定的位置执行进一步的处理。在服务器计算机上电子地接收由移动商家进行的交易的交易数据。服务器计算机基于交易数据来确定移动商户的位置，并且基于移动商家的位置来执行进一步的处理。

3. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

4. 发明申请

US20130226684A1 MERCHANT CONFIGURATION THROUGH PAYMENT NETWORK 审中-公开
标题翻译：通过付款网络进行商业配置
公开(公告)号：US20130226684A1
公开(公告)日：2013-08-29
申请号：US13598474
申请日：2012-08-29
申请人： Ayman Hammad , Prakash Hariramani
发明人： Ayman Hammad , Prakash Hariramani
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0222 , G06Q20/20 , G06Q20/387
摘要： Embodiments of the invention are related to systems and methods for applying a discount to an electronic transaction based on control data stored in a portable merchant device. An access device interacts with a portable merchant device associated with a merchant, the portable merchant device storing control data. A processor in the access device generates a message including the control data, and electronically transmits the message to a server computer. The control data causes the server computer to reconfigure for a transaction conducted by the merchant.
摘要翻译：本发明的实施例涉及基于存储在便携式商业设备中的控制数据对电子交易应用折扣的系统和方法。访问设备与与商家相关联的便携式商家设备交互，便携式商家设备存储控制数据。访问设备中的处理器生成包括控制数据的消息，并将消息电子地发送到服务器计算机。控制数据使服务器计算机重新配置商家进行的交易。

5. 发明授权

US10402813B2 System and method for enabling a mobile communication device to operate as a financial presentation device 有权
公开(公告)号：US10402813B2
公开(公告)日：2019-09-03
申请号：US16286606
申请日：2019-02-27
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： H04M3/42 , G06Q20/32 , H04W12/08 , H04W4/18 , G06Q20/38 , H04W12/04 , G06Q20/40 , H04L29/08 , H04L29/06
摘要： A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.

6. 发明申请

US20190108509A1 CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS 审中-公开
公开(公告)号：US20190108509A1
公开(公告)日：2019-04-11
申请号：US16211811
申请日：2018-12-06
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q20/36 , G06Q20/42 , G06Q20/38 , G06Q20/34 , G06Q20/12 , G06Q20/32 , G06Q20/22 , G06Q20/20
摘要： The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.

7. 发明申请

US20190087827A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20190087827A1
公开(公告)日：2019-03-21
申请号：US16192687
申请日：2018-11-15
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q40/00 , G06Q30/06 , H04W4/12
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

8. 发明授权

US10095276B2 Information access device and data transfer 有权
公开(公告)号：US10095276B2
公开(公告)日：2018-10-09
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： H04B7/00 , G06F1/16 , G06Q20/10 , G06Q20/32 , G06Q20/38 , G06Q20/40 , 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.

9. 发明授权

US09773212B2 Secure anonymous transaction apparatuses, methods and systems 有权
公开(公告)号：US09773212B2
公开(公告)日：2017-09-26
申请号：US13407719
申请日：2012-02-28
申请人： Ayman Hammad
发明人： Ayman Hammad
IPC分类号： G06Q40/00 , G06Q10/00
CPC分类号： G06Q10/00
摘要： The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.

10. 发明申请

US20170255944A1 CONTACT ALERT SYSTEM AND METHOD 审中-公开
公开(公告)号：US20170255944A1
公开(公告)日：2017-09-07
申请号：US15463733
申请日：2017-03-20
申请人： Ayman Hammad , Mark Carlson
发明人： Ayman Hammad , Mark Carlson
IPC分类号： G06Q20/42 , G06Q30/06 , G06Q40/00
CPC分类号： G06Q20/42 , G06Q20/425 , G06Q30/06 , G06Q40/12 , H04W4/12
摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

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