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    MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS
    11.
    发明申请
    MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 审中-公开
    用于金融交易的手机用户手册

    公开(公告)号：US20140263621A1

    公开(公告)日：2014-09-18

    申请号：US14252443

    申请日：2014-04-14

    申请人： Patrick L. Faith ,  Ayman Hammad

    发明人： Patrick L. Faith ,  Ayman Hammad

    IPC分类号： G06Q20/34

    CPC分类号： G06Q20/353 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3552 ,  G07F7/0833 ,  G07F7/0873 ,  G07F7/10

    摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

    摘要翻译： 提供了用于金融交易令牌的移动订户单元。 用户单元与与用户单元通信的金融令牌或卡接口。 金融令牌或卡具有车载能量源，使得卡令牌可以远离商业终端（例如，POS终端）操作。 在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为用户单元的板载电子设备和/或与订户单元通信的金融令牌的电子设备供电。 订户单元可以是另一个消费者设备的组件，例如计算设备，通信设备，服装项目，珠宝项目，手机，PDA，身份证，货币持有人，钱包，钱包 ，公文包或个人组织者。

    Mixed mode transaction protocol
    12.
    发明授权
    Mixed mode transaction protocol 有权

    公开(公告)号：US11004056B2

    公开(公告)日：2021-05-11

    申请号：US13338108

    申请日：2011-12-27

    申请人： Ayman Hammad ,  Patrick L. Faith

    发明人： Ayman Hammad ,  Patrick L. Faith

    IPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/42 ,  G06Q20/38

    摘要： As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.

    MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS
    13.
    发明申请
    MOBILE SUBSCRIBER DEVICE FOR FINANCIAL TRANSACTION TOKENS 审中-公开

    公开(公告)号：US20180253720A1

    公开(公告)日：2018-09-06

    申请号：US15969662

    申请日：2018-05-02

    申请人： Patrick L. Faith ,  Ayman Hammad

    发明人： Patrick L. Faith ,  Ayman Hammad

    IPC分类号： G06Q20/34 ,  G07F7/10 ,  G07F7/08 ,  G06Q20/32

    CPC分类号： G06Q20/353 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3274 ,  G06Q20/3552 ,  G07F7/0833 ,  G07F7/0873 ,  G07F7/10

    摘要： There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

    SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS
    14.
    发明申请
    SYSTEMS AND METHODS FOR VISUAL REPRESENTATION OF OFFERS 审中-公开
    提供视觉表示的系统和方法

    公开(公告)号：US20170076313A1

    公开(公告)日：2017-03-16

    申请号：US15363311

    申请日：2016-11-29

    申请人： Mark Carlson ,  Patrick L. Faith

    发明人： Mark Carlson ,  Patrick L. Faith

    IPC分类号： G06Q30/02

    CPC分类号： G06Q30/0224 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0225 ,  G06Q30/0251 ,  G06Q30/0252 ,  G06Q30/0255 ,  G06Q50/188 ,  G09B29/007

    摘要： A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.

    摘要翻译： 公开了一种用于为目标提供提供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包括监视事件以触发目标报价的方法。 一旦检测到事件，生成报价。 该提议针对消费者，并且是使用响应于消费者与多个不同商家进行的交易产生的支付数据而生成的。 确定要兑换优惠的地理位置。 生成关于报价的通知消息。 通知消息包括优惠和兑换优惠的地理位置。 通知消息被发送到由消费者操作的通知设备。 报价的图形显示在通知设备的地图上。

    APPLIANCE FOR FINANCIAL TRANSACTION TOKENS
    16.
    发明申请
    APPLIANCE FOR FINANCIAL TRANSACTION TOKENS 有权
    器具用于财务交易

    公开(公告)号：US20080314994A1

    公开(公告)日：2008-12-25

    申请号：US11767160

    申请日：2007-06-22

    申请人： Patrick L. Faith ,  Ayman A. Hammad

    发明人： Patrick L. Faith ,  Ayman A. Hammad

    IPC分类号： G06K19/06 ,  G06Q40/00 ,  H01M10/44 ,  H01R12/00 ,  H02J7/00 ,  H02J7/32 ,  H04Q5/22 ,  H05K1/14

    CPC分类号： G06Q30/06 ,  G06Q20/367 ,  H04Q2213/13095

    摘要： There is provided an accessory device for a financial transaction token. The accessory has an onboard power storage device that enables a financial token or card that is in communication with the accessory to operate when the card or token is not in the proximity of a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the accessory's onboard electronics and/or the electronics of a financial token in communication with the accessory. The accessory may be a subcomponent of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.

    摘要翻译： 提供了用于金融交易令牌的附件设备。 附件具有车载电力存储装置，当卡或令牌不在商业终端（例如POS终端）附近时，能够使与附件通信的金融令牌或卡进行操作。 在一个实施方式中，车载蓄电装置包括可充电电池或诸如薄膜电容器的电容器，其存储足够的能量来为配件与附件通信的金融令牌的附件的板载电子设备和/或电子设备供电。 附件可以是另一消费者设备的子组件，例如计算设备，通信设备，服装项目，首饰项目，手机，PDA，身份证，钱夹，钱包，钱包， 公文包或个人组织者。

    System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials
    19.
    发明授权
    System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials 有权
    使用预测消费者行为减少交易风险分析和交易拒绝的使用的系统和方法

    公开(公告)号：US08620798B2

    公开(公告)日：2013-12-31

    申请号：US12877370

    申请日：2010-09-08

    申请人： Patrick L. Faith ,  Zhongxiao Jiang ,  Kevin Paul Siegel ,  Theodore D. Harris

    发明人： Patrick L. Faith ,  Zhongxiao Jiang ,  Kevin Paul Siegel ,  Theodore D. Harris

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/06 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/0251 ,  G06Q40/08

    摘要： An apparatus and method for processing a transaction authorization request to reduce the need for a transaction risk assessment as part of the authorization process. The invention reduces both the data processing burden on the payment processor and the number of transactions for which authorization is denied. In some embodiments, the invention uses predictive or behavior modeling techniques to generate predictions of the transactions the consumer may engage in. If the consumer does engage in a predicted transaction, then a risk analysis process is not performed for that transaction.

    摘要翻译： 一种用于处理交易授权请求以减少对作为授权过程的一部分的交易风险评估的需要的装置和方法。 本发明减少了支付处理器的数据处理负担以及拒绝授权的交易数量。 在一些实施例中，本发明使用预测或行为建模技术来产生消费者可能参与的交易的预测。如果消费者确实参与预测交易，则不对该交易执行风险分析处理。

    Payment card dynamically receiving power from external source
    20.
    发明授权
    Payment card dynamically receiving power from external source 有权
    支付卡从外部来源动态接收电力

    公开(公告)号：US08381995B2

    公开(公告)日：2013-02-26

    申请号：US13182688

    申请日：2011-07-14

    申请人： Patrick L. Faith ,  Steven M. Twombly

    发明人： Patrick L. Faith ,  Steven M. Twombly

    IPC分类号： G06K19/06

    CPC分类号： G06K19/0723 ,  G06K19/06196 ,  G06K19/07703 ,  G06K19/083 ,  G06Q20/388 ,  G07F7/1008

    摘要： A payment card with a display and/or dynamic magnetic stripe that operates using power received from an electro-magnetic/RF signal, without the need for incorporating a battery within the payment card. In one example, a payment card includes a receiver for receiving an external electro-magnetic signal and converting it to an electrical signal for powering the payment card; a CPU coupled with the electrical signal of the receiver; a display (i.e., a persistent display) for displaying data, wherein the display receives power based on the electrical signal from the receiver; and a dynamic magnetic stripe storing magnetically readable data, wherein the dynamic magnetic stripe receives power based on the electrical signal from the receiver. Responsive to the electro-magnetic signal received by the payment card, the data displayed on the display and stored in the dynamic magnetic stripe is changed. Methods relating to a payment card are also disclosed.

    摘要翻译： 具有显示和/或动态磁条的支付卡，其使用从电磁/ RF信号接收的功率进行操作，而不需要在支付卡内并入电池。 在一个示例中，支付卡包括用于接收外部电磁信号并将其转换为用于为支付卡供电的电信号的接收器; 与接收机的电信号耦合的CPU; 用于显示数据的显示器（即持久显示器），其中显示器基于来自接收器的电信号接收电力; 以及存储磁性可读数据的动态磁条，其中动态磁条基于来自接收器的电信号接收电力。 响应于由支付卡接收到的电磁信号，显示在显示器上并存储在动态磁条中的数据被改变。 还公开了与支付卡相关的方法。