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公开(公告)号：US11748748B2
公开(公告)日：2023-09-05
申请号：US17948881
申请日：2022-09-20
发明人： Theodore Harris , Patrick Faith
CPC分类号： G06Q20/387 , G06Q20/12 , G06Q20/20 , G06Q20/322 , G06Q20/3276 , G06Q20/34
摘要： A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
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公开(公告)号：US11587061B2
公开(公告)日：2023-02-21
申请号：US16950932
申请日：2020-11-18
发明人： Duane Cash , Patrick Faith , Scott Edington
IPC分类号： G06Q20/32 , G06Q20/42 , G06Q30/0251
摘要： A system and method of interaction with beacons to execute a multiple layer authenticated transaction process including receiving a signal from the beacon, analyzing a relative signal strength of the beacon, enabling a portable computer device to complete the digital transaction based on the proximity of the portable computer device to an item for purchase. A first user verification input is additionally received via the portable computer system. In response to the first user verification, receiving a verification signal.
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公开(公告)号：US10824207B2
公开(公告)日：2020-11-03
申请号：US16108917
申请日：2018-08-22
发明人： Patrick Faith , Mark Carlson , Ayman Hammad , Ben Rewis , Krishna Prasad Koganti
IPC分类号： G06Q20/10 , G06Q20/32 , G06F1/16 , G06Q20/38 , G06Q20/40 , G06Q20/42 , H04W12/08 , G06F21/40 , H04W12/00
摘要： A server computer determines, based on interaction data, that the first device and the second device are to be paired with each other. After pairing the first device and the second device, 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).
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公开(公告)号：US20190325454A1
公开(公告)日：2019-10-24
申请号：US16504109
申请日：2019-07-05
发明人： Mark Carlson , Patrick Stan , Patrick Faith , Ayman Hammad , Ben Rewis
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.
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公开(公告)号：US20190303925A1
公开(公告)日：2019-10-03
申请号：US16442996
申请日：2019-06-17
发明人： Theodore Harris , Patrick Faith
摘要： A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
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公开(公告)号：US10013423B2
公开(公告)日：2018-07-03
申请号：US13758860
申请日：2013-02-04
CPC分类号： G06F16/164 , G06F16/2379 , G06F16/245 , G06F16/9024 , G06F16/9535 , G06F16/9536 , G06Q10/00 , G06Q30/06 , G06Q30/0631 , G06Q30/0643 , G06Q50/01 , G06Q99/00
摘要： The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA ANALYTICAL MODEL SHARING DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMSDB”) transform data aggregated from various computer resources using AMSDB components into updated entity profiles and/or social graphs. In one implementation, the AMSDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The AMSDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the AMSDB identifies an entity. The AMSDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The AMSDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values. Using the generated correlations and associated attributes, the AMSDB generates an updated profile and social graph of the entity. The AMSDB provides the updated profile and social graph for an automated web form filling request.
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公开(公告)号：US09830328B2
公开(公告)日：2017-11-28
申请号：US13758833
申请日：2013-02-04
CPC分类号： G06F17/3012 , G06F17/30377 , G06F17/30424 , G06Q10/00 , G06Q30/06 , G06Q30/0631 , G06Q50/01 , G06Q99/00
摘要： The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA MERCHANT ANALYTICS DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MDB”) transform data aggregated from various computer resources using MDB components into updated entity profiles and/or social graphs. In one implementation, the MDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The MDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the MDB identifies an entity. The MDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The MDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values. Using the generated correlations and associated attributes, the MDB generates an updated profile and social graph of the entity. The MDB provides the updated profile and social graph for an automated web form filling request.
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公开(公告)号：US09699162B2
公开(公告)日：2017-07-04
申请号：US14737267
申请日：2015-06-11
发明人： Patrick Faith , Theodore Harris
IPC分类号： H04L29/06
CPC分类号： H04L63/08 , G06F21/32 , G06Q30/02 , H04L63/0807 , H04L63/10 , H04L63/102 , H04L63/105 , H04W12/06 , H04W12/12
摘要： An entity may store various levels of sensitive and personal data in a secure computing environment. The entity may create permission rules which allow the data to be shared or not shared depending on the circumstances and situation. As an entity such as a human moves through life, the entity may be in touch with numerous electronic devices that act like sensors. The entity may share a token which may allow a sensor or operator of the sensor to access various levels of the sensitive data stored in the secure computing environment.
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公开(公告)号：US20150348019A1
公开(公告)日：2015-12-03
申请号：US14726499
申请日：2015-05-30
发明人： Patrick Faith , Theodore Harris , Matthew Quinlan , Nick Giannaris , Phaneendra Gullapalli , Justin Bartee , Scott Edington
摘要： Payment devices have physical characteristics and these physical characteristic may change in predictable ways. Further, backgrounds may also have physical characteristics which may change in predictable ways. By examining digital images for physical characteristics, some of which cannot even be seen, a better decision on whether a transaction is fraudulent may be made.
摘要翻译： 付款设备具有物理特性，这些物理特性可能以可预测的方式改变。 此外，背景也可能具有可预测的方式改变的物理特征。 通过检查数字图像的物理特征，其中一些甚至不能被看到，可以做出关于交易是否欺诈的更好的决定。
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公开(公告)号：US08682793B2
公开(公告)日：2014-03-25
申请号：US13903940
申请日：2013-05-28
发明人： Mark Carlson , Patrick Faith
CPC分类号： G06Q20/3226 , G06Q20/04 , G06Q20/12 , G06Q20/20 , G06Q20/32 , G06Q20/3223 , G06Q20/3224 , G06Q20/325 , G06Q20/3255 , G06Q20/341 , G06Q20/347 , G06Q20/354 , G06Q20/40 , G06Q20/425 , G07F7/08
摘要： A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.
摘要翻译： 公开了一种用于提供支付交易的地理位置通知的方法和系统。 本发明的一个实施例涉及一种方法，包括接收与交易相关联的授权请求消息，与便携式消费者设备相关联的交易以及商家处的访问设备。 确定交易的地理位置。 确定是否需要指示事务正在发生的通知消息。 在确定需要通知消息时，通知消息被发送到由消费者操作的通知设备，并且通知设备基本上与商家的授权响应消息的接收同时接收通知消息。 在通知装置的地图上显示通知消息的图形描述。
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