公开(公告)号：US20180357674A1

公开(公告)日：2018-12-13

申请号：US16024499

申请日：2018-06-29

申请人： Ayman Hammad ,  Prakash Prem Hariramani

发明人： Ayman Hammad ,  Prakash Prem Hariramani

IPC分类号： G06Q30/02 ,  G06Q30/06 ,  G06Q20/40

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.

公开(公告)号：US20180255460A1

公开(公告)日：2018-09-06

申请号：US15973410

申请日：2018-05-07

申请人： Ayman Hammad ,  Barbara Patterson

发明人： Ayman Hammad ,  Barbara Patterson

IPC分类号： H04W12/06 ,  G06Q20/42 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/12 ,  G06Q20/36 ,  G06Q20/32

CPC分类号： H04W12/06 ,  G06Q20/12 ,  G06Q20/3223 ,  G06Q20/3674 ,  G06Q20/38215 ,  G06Q20/3825 ,  G06Q20/385 ,  G06Q20/4018 ,  G06Q20/42

摘要： Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

公开(公告)号：US20180211244A1

公开(公告)日：2018-07-26

申请号：US15925433

申请日：2018-03-19

申请人： Mark Carlson ,  Ayman Hammad

发明人： Mark Carlson ,  Ayman Hammad

IPC分类号： G06Q20/32 ,  G06Q20/36 ,  G06Q20/10

CPC分类号： G06Q20/3223 ,  G06Q20/10 ,  G06Q20/325 ,  G06Q20/363 ,  G06Q20/3672

摘要： A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction.

公开(公告)号：US09721250B2

公开(公告)日：2017-08-01

申请号：US12258322

申请日：2008-10-24

申请人： Ayman Hammad ,  Patrick Faith

发明人： Ayman Hammad ,  Patrick Faith

IPC分类号： G06Q20/40 ,  G06Q10/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/00 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02 ,  H04L29/06

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.

公开(公告)号：US20170083912A1

公开(公告)日：2017-03-23

申请号：US15369683

申请日：2016-12-05

申请人： Ayman Hammad ,  Mark Carlson

发明人： Ayman Hammad ,  Mark Carlson

IPC分类号： G06Q20/40 ,  G08B25/00 ,  H04L12/18 ,  G08B5/22 ,  G06Q20/32 ,  G06Q40/00

摘要： Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.

公开(公告)号：US09542675B2

公开(公告)日：2017-01-10

申请号：US12720627

申请日：2010-03-09

申请人： Ayman Hammad ,  Mark Carlson

发明人： Ayman Hammad ,  Mark Carlson

IPC分类号： G06Q20/20 ,  G06Q30/00 ,  G06Q30/02 ,  G06Q50/26 ,  H04L12/18 ,  H04L29/08 ,  G06Q40/00 ,  G06Q20/40 ,  G08B5/22

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, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.

摘要翻译： 公开了系统，系统的架构和用于生成警报消息的方法。 用户注册一个警报消息服务。 在注册过程中用户提供的信息被发送到数据库。 用户使用便携式消费者设备执行交易。 事务数据被发送到计算机装置。 计算机装置访问包含警报定制数据的数据库。 基于事务数据和警报定制数据生成警报消息。 警报消息被发送到用户设备。 负责执行事务和提供警报消息的系统，资源和过程被分离，使得通过彼此通信的系统并行地执行事务处理和警报生成。 利用这种方法防止事务处理系统由于额外的过程而过载，同时保持支付处理系统的期望的效率水平，安全性和可靠性。

公开(公告)号：US20160275501A1

公开(公告)日：2016-09-22

申请号：US15167804

申请日：2016-05-27

申请人： Ayman Hammad

发明人： Ayman Hammad

IPC分类号： G06Q20/40 ,  H04L29/06 ,  H04L9/14 ,  G06F17/30

CPC分类号： G06Q20/40 ,  G06F17/30522 ,  G06F21/34 ,  G06F2221/2129 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/42 ,  G06Q20/425 ,  H04L9/14 ,  H04L9/3234 ,  H04L63/0428 ,  H04L63/06 ,  H04L63/0853 ,  H04L63/102 ,  H04L63/126 ,  H04L63/1441 ,  H04L2209/56

摘要： Methods, secure elements, validation entities, and computer program products for effecting secure communication of payment information to merchants for Internet-based purchases. Payment information for a user's real payment information is installed in a secure element of a computer, the payment information may comprise a pseudo PAN number for the portable consumer device provided by a validation entity. The secure element is shielded from the computer's operating system to thwart hacker attacks. The user accesses the secure element to make a purchase. In response, the secure element contacts the validation entity with the pseudo account number, and in response obtains dynamic payment information that the secure element can used to effect the payment. The dynamic payment information comprises an account number that is different from the pseudo PAN, and which has at least one difference which respect to the user's real payment information.

摘要翻译： 方法，安全元素，验证实体和计算机程序产品，用于将支付信息安全地通信给商家进行基于因特网的购买。 用户实际支付信息的付款信息被安装在计算机的安全元件中，支付信息可以包括由验证实体提供的便携式消费者设备的伪PAN号码。 安全元件与计算机的操作系统屏蔽，以防止黑客攻击。 用户访问安全元素进行购买。 作为响应，安全元件使用伪帐号与验证实体联系，并且作为响应获得安全元件可用于实现支付的动态支付信息。 动态支付信息包括与伪PAN不同的帐号，并且具有与用户的实际支付信息相关的至少一个差异。

公开(公告)号：US20150198983A1

公开(公告)日：2015-07-16

申请号：US14338930

申请日：2014-07-23

申请人： Patrick Faith ,  Mark Carlson ,  Ayman Hammad ,  Ben Rewis ,  Krishna Prasad Koganti

发明人： Patrick Faith ,  Mark Carlson ,  Ayman Hammad ,  Ben Rewis ,  Krishna Prasad Koganti

IPC分类号： G06F1/16 ,  G06Q20/42 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/32

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/08

摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.

摘要翻译： 本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。 第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。 第一和第二装置可以是移动电话。 第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。 服务器计算机基于交互数据确定第一设备和第二设备进行物理接触。 在确定第一设备和第二设备联系之后，可以在设备之间发起通信。 通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（诸如凭证）之间的访问交易，以验证潜在进入者是否被允许或不允许访问 被守门员固定或限制的特定区域。 其他实施例直接用于确认交易。 访问交易和确认交易可以与使用支付处理网络的金融交易组合。

公开(公告)号：US09027831B2

公开(公告)日：2015-05-12

申请号：US12276227

申请日：2008-11-21

申请人： Xiang Fang ,  Patrick Faith ,  Craig M. Kato ,  Ayman Hammad ,  Krishan Prasad Koganti

发明人： Xiang Fang ,  Patrick Faith ,  Craig M. Kato ,  Ayman Hammad ,  Krishan Prasad Koganti

IPC分类号： G06K5/00 ,  G06K19/12

CPC分类号： G06K19/12

摘要： Methods, systems, and apparatus for accurately authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be used to create a representation of the magnetic signature. The representation can then be compared to reference values to produce a measure of the authenticity of the document. The reference values are updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements.

摘要翻译： 提供了用于准确地认证具有磁条的文档（例如，信用卡）的方法，系统和装置。 例如通过检验扫描仪来测量磁条的不同点处的磁场以产生磁性签名。 测量的数字样本可用于创建磁性签名的表示。 然后可以将表示与参考值进行比较，以产生文档的真实性的度量。 随着时间的推移，参考值被更新以反映由于物理恶化可能发生的真实文件的磁条的变化。 例如，可以基于认证文件的最近测量来优化参考值，以提供对未来测量的真实性的更准确的确定。

公开(公告)号：US08950680B2

公开(公告)日：2015-02-10

申请号：US13231722

申请日：2011-09-13

申请人： Ryan Yuzon ,  Ayman Hammad

发明人： Ryan Yuzon ,  Ayman Hammad

IPC分类号： G06K19/06 ,  G07F7/10

CPC分类号： G07F7/1016

摘要： Methods and devices for conducting financial transactions are provided. Aspects and embodiments include multifunction removable covers for portable payment devices; multifunction removable covers configured as password token type portable payment devices; and multifunction removable covers configured as radio frequency shields to prevent unintended data transmission.