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    PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING
    101.
    发明申请
    PRE-AUTHORIZATION OF A TRANSACTION USING PREDICTIVE MODELING 有权
    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。

    DYNAMIC ENCRYPTION AUTHENTICATION
    102.
    发明申请
    DYNAMIC ENCRYPTION AUTHENTICATION 审中-公开
    动态加密认证

    公开(公告)号：US20100027786A1

    公开(公告)日：2010-02-04

    申请号：US12031036

    申请日：2008-02-14

    申请人： Patrick Faith ,  Ayman Hammad

    发明人： Patrick Faith ,  Ayman Hammad

    IPC分类号： H04L9/00 ,  H04L9/28

    CPC分类号： G06Q20/3823 ,  G06F21/606 ,  G06Q20/04 ,  H04L9/0618 ,  H04L9/0866 ,  H04L9/3226 ,  H04L2209/56

    摘要： A method is disclosed. The method includes generating a uniquely derived data string using personalized information and a first encryption algorithm, generating at least one uniquely derived key using the uniquely derived data string, and creating a dynamic verification value using a second encryption algorithm using the at least one uniquely derived key, wherein the first encryption algorithm is different than the second encryption algorithm.

    摘要翻译： 公开了一种方法。 该方法包括使用个性化信息生成唯一导出的数据串和第一加密算法，使用唯一导出的数据串生成至少一个唯一导出的密钥，以及使用第二加密算法，使用至少一个唯一导出的 密钥，其中所述第一加密算法与所述第二加密算法不同。

    System and method for secured account numbers in proximity devices
    105.
    发明申请
    System and method for secured account numbers in proximity devices 有权
    邻近设备中安全帐号的系统和方法

    公开(公告)号：US20070055630A1

    公开(公告)日：2007-03-08

    申请号：US11398887

    申请日：2006-04-05

    申请人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    发明人： Patrick Gauthier ,  Brian Maw ,  Patrick Faith ,  Barbara Patterson

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/385 ,  G06Q20/204 ,  G06Q20/24 ,  G06Q20/327 ,  G06Q20/352 ,  G06Q20/40 ,  G06Q40/02

    摘要： A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.

    摘要翻译： 公开了一种使用安全帐号处理与便携式消费者邻近装置相关联的无线金融交易的接近类型的方法和系统。 在一个实施例中，该方法包括从诸如非接触智能卡的便携式邻近消费者设备接收无线金融交易请求的附近类型以及安全帐号，将担保帐号转换成用户的实际帐号，并且发送 金融交易请求以及用户的实际账号，发给用户的实际账号进行授权和处理。

    Financial risk prediction systems and methods therefor
    106.
    发明授权
    Financial risk prediction systems and methods therefor 失效
    财务风险预测系统及其方法

    公开(公告)号：US6119103A

    公开(公告)日：2000-09-12

    申请号：US863666

    申请日：1997-05-27

    申请人： Catherine A. Basch ,  Belva J. Bruesewitz ,  Kevin Siegel ,  Patrick Faith

    发明人： Catherine A. Basch ,  Belva J. Bruesewitz ,  Kevin Siegel ,  Patrick Faith

    IPC分类号： G06Q20/34 ,  G06Q20/40 ,  G06Q40/00 ,  G07F7/08 ,  G07F7/10 ,  G06F157/00

    CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q20/40145 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q20/4037 ,  G06Q40/00 ,  G06Q40/025 ,  G06Q40/08 ,  G07F7/08

    摘要： A computer-implemented method for predicting financial risk, which includes receiving first transaction data pertaining to transactions performed on a first financial account. The first financial account represents a financial account issued to a given account holder by a first account issuer. The method further includes receiving second transaction data pertaining to transaction performed on a second financial account different from the first financial account. The second financial account represents a financial account issued to the given account holder by a second account issuer different from the first account issuer. There is further included scoring the first transaction data and the second transaction data based on a preexisting model to form a score for the account holder. Additionally, there is included transmitting, if the score is below a predefined financial risk threshold, the score to one of the first account issuer and the second account issuer.

    摘要翻译： 一种用于预测财务风险的计算机实现的方法，其包括接收关于在第一金融账户上执行的交易的第一交易数据。 第一个财务帐户是由第一个帐户发行人发给给定账户持有人的财务帐户。 该方法还包括接收与在与第一金融账户不同的第二金融账户上执行的交易的第二交易数据。 第二个财务帐户是由与第一个账户发行人不同的第二个账户发行人发给给定账户持有人的财务账户。 还包括基于预先存在的模型对第一交易数据和第二交易数据进行评分以形成账户持有人的得分。 另外，如果分数低于预定义的财务风险阈值，则将分数传送给第一帐户发行者和第二帐户发行者之一。

    DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION
    107.
    发明申请
    DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION 审中-公开

    公开(公告)号：US20190066069A1

    公开(公告)日：2019-02-28

    申请号：US16171176

    申请日：2018-10-25

    申请人： Patrick Faith ,  Krishna KOGANTI

    发明人： Patrick Faith ,  Krishna KOGANTI

    IPC分类号： G06Q20/10 ,  H04L9/32 ,  G06Q20/38 ,  G06Q40/02

    摘要： In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

    TERMINAL DATA ENCRYPTION
    108.
    发明申请
    TERMINAL DATA ENCRYPTION 审中-公开

    公开(公告)号：US20190043049A1

    公开(公告)日：2019-02-07

    申请号：US16154064

    申请日：2018-10-08

    申请人： Ayman Hammad ,  Patrick Faith

    发明人： Ayman Hammad ,  Patrick Faith

    IPC分类号： G06Q20/38 ,  H04L9/32 ,  G06Q20/20 ,  G06Q20/36 ,  G06Q20/08 ,  G06Q40/00 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/10

    摘要： A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

    ENCRYPTION SWITCH PROCESSING
    110.
    发明申请
    ENCRYPTION SWITCH PROCESSING 审中-公开

    公开(公告)号：US20170186001A1

    公开(公告)日：2017-06-29

    申请号：US15457765

    申请日：2017-03-13

    申请人： Judson Reed ,  Patrick Faith ,  Ben Rewis

    发明人： Judson Reed ,  Patrick Faith ,  Ben Rewis

    IPC分类号： G06Q20/38 ,  G06Q20/40

    摘要： Techniques for eliminating the need for merchants and acquirers to conduct Payment Card Industry (“PCI”) security audit procedures are provided. Merchants and acquirers can eliminate the operating expenses associated with conducting audits to ensure compliance with PCI Data Security Standards (“DSS”), while at the same time ensuring that cardholders' data remains secure, thus protecting the cardholders from fraudulent transactions. System security is further enhanced through the use of per transaction audits, with the scope of the audit being directly between the Point of Sale (POS) terminal and the payment processing network. PCI DSS compliance can thus be assured on a per transaction basis, as opposed to only ensuring compliance generally for a merchant or acquirer on a periodic basis. Per transaction PCI DSS compliance is assured, while at the same time eliminating the need for merchants or acquirers to conduct compliance audits.