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1. 发明申请

US20100280927A1 PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING 有权
标题翻译：使用预测建模的交易预先授权
公开(公告)号：US20100280927A1
公开(公告)日：2010-11-04
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： G06Q20/00 , G06Q40/00 , G06Q10/00 , G06F21/00
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。

2. 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。

3. 发明申请

US20170345005A1 PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING 审中-公开
公开(公告)号：US20170345005A1
公开(公告)日：2017-11-30
申请号：US15681195
申请日：2017-08-18
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
IPC分类号： G06Q20/40 , G06Q10/06 , G06Q40/00 , G06Q30/02 , G06Q10/04
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.

4. 发明申请

US20140006284A1 PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING 有权
标题翻译：使用预测建模的交易预先授权
公开(公告)号：US20140006284A1
公开(公告)日：2014-01-02
申请号：US13710059
申请日：2012-12-10
申请人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
发明人： Patrick Faith , Kevin P. Siegel , Ayman Hammad
IPC分类号： G06Q20/40
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。

5. 发明申请

US20130218765A1 GRADUATED SECURITY SEASONING APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：研究安全季节性设备，方法和系统
公开(公告)号：US20130218765A1
公开(公告)日：2013-08-22
申请号：US13434818
申请日：2012-03-29
申请人： Ayman Hammad , Kevin P. Siegel , Craig O'Connell
发明人： Ayman Hammad , Kevin P. Siegel , Craig O'Connell
IPC分类号： G06Q20/36
CPC分类号： G06Q30/06 , G06Q20/4016
摘要： The GRADUATED SECURITY SEASONING APPARATUSES, METHODS AND SYSTEMS (“GSS”) transform user virtual wallet activity and historical fraud reports via GSS components into transaction authorization triggers generated pursuant to graduated, transaction risk-appropriate, escalated security protocols. In one implementation, the GSS obtains a current transaction request, the request utilizing a user virtual wallet account for payment. The GSS identifies a transaction risk type associated with the request, and calculates a transaction risk level associated with the transaction risk type. Based on the transaction risk level, the GSS selects a security protocol for processing the current transaction request; and provide a security data request in accordance with the selected security protocol. The GSS also generates an offer, for an entity involved in processing the current transaction request, of a financial incentive in exchange for assuming the transaction risk level associated with the transaction risk type; and provides the offer for the entity.
摘要翻译： GRAUATED SECURITY SEASONING APPARATUSES，METHODS AND SYSTEMS（“GSS”）将用户虚拟钱包活动和历史欺诈报告通过GSS组件转换为根据分级，交易风险适当，升级的安全协议生成的事务授权触发器。在一个实现中，GSS获得当前交易请求，该请求利用用户虚拟钱包帐户进行支付。 GSS识别与请求相关联的交易风险类型，并计算与交易风险类型相关联的交易风险级别。根据交易风险级别，GSS选择用于处理当前交易请求的安全协议; 并根据所选择的安全协议提供安全数据请求。 GSS还为涉及处理当前交易请求的实体提供财务激励以换取假设与交易风险类型相关联的交易风险水平的报价; 并为实体提供报价。

6. 发明申请

US20130144785A1 SOCIAL NETWORK PAYMENT AUTHENTICATION APPARATUSES, METHODS AND SYSTEMS 审中-公开
标题翻译：社会网络支付认证设备，方法和系统
公开(公告)号：US20130144785A1
公开(公告)日：2013-06-06
申请号：US13629288
申请日：2012-09-27
申请人： Igor Karpenko , Ayman Hammad , Kevin P. Siegel , Craig O'Connell
发明人： Igor Karpenko , Ayman Hammad , Kevin P. Siegel , Craig O'Connell
IPC分类号： G06Q20/40 , G06Q50/00
CPC分类号： G06Q20/409 , G06Q20/027 , G06Q20/12 , G06Q20/18 , G06Q20/20 , G06Q20/3278 , G06Q20/36 , G06Q20/382 , G06Q20/4016 , G06Q20/425 , G06Q50/01
摘要： The SOCIAL NETWORK PAYMENT AUTHENTICATION APPARATUSES, METHODS AND SYSTEMS (“SNPA”) transform social networking user login inputs via SNPA components into notifications of authenticated purchase transactions. In one embodiment, the SNPA obtains an authentication request for a purchase transaction. The SNPA extracts card account data related to the authentication request, and provides the card account data related to the authentication request to a social networking server. The SNPA also provides an indication for a user to authenticate via logging into a social networking service associated with the social networking server. The SNPA obtains an indication from the social networking server that the user is authenticated. In response to obtaining the indication that the user is authenticated, the SNPA initiates completion of the purchase transaction.
摘要翻译：社交网络付款认证设备，方法和系统（“SNPA”）通过SNPA组件将社交网络用户登录输入转换为认证购买交易的通知。在一个实施例中，SNPA获得购买交易的认证请求。 SNPA提取与认证请求相关的卡帐户数据，并将与认证请求相关的卡帐户数据提供给社交网络服务器。 SNPA还提供用户通过登录到与社交网络服务器相关联的社交网络服务进行认证的指示。 SNPA从社交网络服务器获得用户被认证的指示。响应于获得用户认证的指示，SNPA启动购买交易的完成。

7. 发明授权

US09727868B2 Determining targeted incentives based on consumer transaction history 有权
公开(公告)号：US09727868B2
公开(公告)日：2017-08-08
申请号：US12773765
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02 , G06Q20/40 , G06Q10/06 , G06Q40/00 , G06F17/30 , G06Q20/32 , G06Q30/00 , G06Q10/04
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 for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.

8. 发明授权

US09489674B2 Frequency-based transaction prediction and processing 有权
标题翻译：基于频率的事务预测和处理
公开(公告)号：US09489674B2
公开(公告)日：2016-11-08
申请号：US12773770
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q10/06 , G06Q30/02 , G06Q10/04 , G06Q20/40 , G06Q40/00
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： Methods, apparatus, and systems are provided for tracking and analyzing data of consumer activity. The tracked data can be organized (e.g. as stored in cache, RAM, hard drives) in certain types of tables, where the tables can be associated with certain tags (keys) for efficiently accessing the data. The organization and associations of the data can also provide simple mechanisms for manipulating the data to obtain results specifically relevant for a task, such as detection of fraud or prediction of consumer behavior to provide better customer service or new services. For example, the tables may contain counters that store the number of times that two correlated consumer events occur within specific time intervals of each other. Such time data can provide efficient determination of patterns of consumer activity.
摘要翻译：提供了方法，装置和系统来跟踪和分析消费者活动的数据。跟踪的数据可以在特定类型的表中被组织（例如，存储在高速缓存，RAM，硬盘驱动器中），其中表可以与用于有效访问数据的某些标签（键）相关联。数据的组织和关联也可以提供操纵数据以获得与任务特别相关的结果的简单机制，例如检测欺诈或预测消费者行为以提供更好的客户服务或新服务。例如，表可以包含存储两个相关消费者事件在彼此的特定时间间隔内发生的次数的计数器。这样的时间数据可以有效地确定消费者活动的模式。

9. 发明申请

US20100280881A1 DEMOGRAPHIC ANALYSIS USING TIME-BASED CONSUMER TRANSACTION HISTORIES 审中-公开
标题翻译：使用基于时间的消费者交易历史的人口统计分析
公开(公告)号：US20100280881A1
公开(公告)日：2010-11-04
申请号：US12773766
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
发明人： Patrick Faith , Kevin P. Siegel , Zhongxiao Jiang
IPC分类号： G06Q10/00 , G06N5/02 , G06N3/02
摘要： Systems, apparatus, and methods for determining groups of similar consumers and for identifying a trend in consumer behavior are provided. Likelihoods of a transaction being initiated at various times by one consumer can be calculated based on previous transactions of the consumer. The likelihoods for different consumers can be used to determine a group of similar consumers as a demographic. The likelihoods of a transaction being initiated at various times by a consumer of a demographic (or other entity) can be used to forecast trends (such as a demand for a product) and make business decisions, such as for marketing campaigns, inventory levels (e.g. at particular stores or for all stores), pricing, and store locations. Such likelihoods when focused to a particular category of transactions can provide even greater accuracy.
摘要翻译：提供了用于确定类似消费者群体并识别消费者行为趋势的系统，装置和方法。可以根据消费者的先前交易来计算在一个消费者的不同时间发起的交易的可能性。不同消费者的可能性可用于确定一组类似消费者的人口。消费者可以使用人口统计（或其他实体）在不同时间启动交易的可能性来预测趋势（例如对产品的需求），并做出业务决策，例如营销活动，库存水平（例如在特定商店或所有商店），定价和商店位置。当专注于特定类别的交易时，这种可能性可以提供更高的准确性。

10. 发明申请

US20170300940A1 DETERMINING TARGETED INCENTIVES BASED ON CONSUMER TRANSACTION HISTORY 审中-公开
公开(公告)号：US20170300940A1
公开(公告)日：2017-10-19
申请号：US15635543
申请日：2017-06-28
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02
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 for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.

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