公开(公告)号：US6018723A

公开(公告)日：2000-01-25

申请号：US863443

申请日：1997-05-27

申请人： Kevin P. Siegel ,  Patrick L. Faith ,  Theodore P. Washburne

发明人： Kevin P. Siegel ,  Patrick L. Faith ,  Theodore P. Washburne

IPC分类号： G06Q20/10 ,  G06Q20/40 ,  G07F7/08 ,  G06F17/60

CPC分类号： G07F7/08 ,  G06Q20/10 ,  G06Q20/108 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/403 ,  G06Q40/025 ,  G06Q40/08

摘要： Methods and apparatus for transforming scoreable transaction data into financial data features are disclosed. In one aspect, a computer-implemented method transforms transaction data into a financial data feature for assessing credit risks. The financial data feature is extracted from the transaction data. The method involves obtaining the transaction data from a data source, and performing a set of operations on the transaction data to transform the transaction data into the financial data feature. The set of operations is selected only from a predefined set of classes of operations which are interrelated by a predefined order of precedence. Each operation in the set of operations is performed in an order based on the predefined order of precedence of a class associated with each operator.

公开(公告)号：US20160204660A1

公开(公告)日：2016-07-14

申请号：US15079535

申请日：2016-03-24

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

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

IPC分类号： H02J50/70 ,  H02J7/02 ,  G06Q20/34 ,  H02J7/00 ,  G06K19/067 ,  G06K19/077

CPC分类号： H02J50/70 ,  G06K19/06009 ,  G06K19/06187 ,  G06K19/067 ,  G06K19/0701 ,  G06K19/0705 ,  G06K19/0706 ,  G06K19/0716 ,  G06K19/07703 ,  G06K19/07722 ,  G06K19/08 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/367 ,  G07F7/0806 ,  G07F7/0826 ,  G07F7/10 ,  H02J7/0052 ,  H02J7/025

摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

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。

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。

公开(公告)号：US20130006847A1

公开(公告)日：2013-01-03

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 ,  H04B7/00 ,  H04B5/00

CPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q20/425

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.

摘要翻译： 与在销售点从交易开始到交易结束使用一种类型的技术相反，本发明的实施例涉及用于进行混合模式交易的有用技术。 混合模式事务将事务处理中使用的至少两种通信模式相结合。 事务可以通过在第一设备和第二设备之间使用第一通信模式启动事务来开始。 第一设备可以是消费者的移动设备，并且设备可以是商家接入设备或销售点终端。 为了继续交易，可以启动第二种通信模式。 第一和第二通信模式可以是基于物理交互的模式，联系人或非接触芯片模式，蓝牙模式，WiFi模式，红外（IR）模式或任何其他合适的通信模式。

公开(公告)号：US08002193B2

公开(公告)日：2011-08-23

申请号：US11685109

申请日：2007-03-12

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。

公开(公告)号：US20100057621A1

公开(公告)日：2010-03-04

申请号：US12493981

申请日：2009-06-29

申请人： Patrick L. Faith ,  Stacy Pourfallah ,  Janet Pruitt ,  Russell D. Weinstein

发明人： Patrick L. Faith ,  Stacy Pourfallah ,  Janet Pruitt ,  Russell D. Weinstein

IPC分类号： H04L9/32 ,  G06Q30/00 ,  G06Q50/00

CPC分类号： G06F21/6254 ,  G06F19/328 ,  G06F21/602 ,  G06F2221/2135 ,  G06Q20/04 ,  G06Q20/3823 ,  G06Q20/3829 ,  G06Q40/08

摘要： Healthcare purchase data from a transaction upon a patient's account may be required to be transported and stored for safeguarding patient confidentiality if sufficient to identify the patient and the purchase. To avoid non-compliance, a transaction hander (TH) receives the data from a merchant's acquirer as encrypted by a key known to both the acquirer and TH. After decrypting the data with that key, the TH re-encrypts it with a key known only to the TH, and then stored. After receiving an issuer's request for the data, the TH decrypts the data using its own key, re-encrypts it using a key known only to the TH and the issuer, and then sends it to the issuer who will decrypt the data using that key. The unencrypted data may be used by the issuer to demonstrate the issuer's regulatory compliance to a governmental entity.

摘要翻译： 医疗人员可以要求运输和存储来自患者帐户的交易的医疗保健购买数据，以便在足以识别患者和购买时保护患者的机密性。 为了避免不合规，交易处理者（TH）通过收购方和TH所知的一个密钥对来自商家的收单方的数据进行加密。 在使用该密钥解密数据之后，TH使用只有TH已知的密钥重新加密，然后存储。 在收到发行人对数据的请求后，TH使用其自己的密钥对数据进行解密，然后使用已知的TH和发行者重新加密数据，然后将其发送给使用该密钥解密数据的发行方 。 发行人可以使用未加密的数据来证明发行人对政府实体的合规性。

公开(公告)号：US20090240625A1

公开(公告)日：2009-09-24

申请号：US12052279

申请日：2008-03-20

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

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

IPC分类号： G06Q20/00 ,  G06K19/067

CPC分类号： H02J50/70 ,  G06K19/06009 ,  G06K19/06187 ,  G06K19/067 ,  G06K19/0701 ,  G06K19/0705 ,  G06K19/0706 ,  G06K19/0716 ,  G06K19/07703 ,  G06K19/07722 ,  G06K19/08 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/367 ,  G07F7/0806 ,  G07F7/0826 ,  G07F7/10 ,  H02J7/0052 ,  H02J7/025

摘要： There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

摘要翻译： 提供了用于金融交易的卡或令牌。 金融交易令牌或卡片具有板载能量存储装置，当卡不在商业服务点（POS）终端附近时，能使板载电子设备工作。 在一个实施方式中，车载能量存储装置包括诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要车载电池。 卡可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡，身份证 ，钱夹，钱包，个人组织者，钥匙扣付款标签等个性。

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。

公开(公告)号：US20110084149A1

公开(公告)日：2011-04-14

申请号：US12973670

申请日：2010-12-20

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

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

IPC分类号： G06K19/06

CPC分类号： G07F7/1008 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/367 ,  G07F7/084 ,  G07F7/0866 ,  G07F7/088

摘要： A card or token used in financial transactions has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card or token may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

摘要翻译： 在金融交易中使用的卡或令牌具有板载能量存储装置，当卡不在商业点服务点（POS）终端附近时，能够使板载电子装置工作。在一个实施方式中，车载能量存储装置包括 诸如薄膜电容器的电容器，其存储足够的能量来为车载电子设备供电，而不需要机载电池。 卡或令牌可以并入各种常规设备中，例如透视和/或保护性基板，服装项目，珠宝项目，手机，个人数字助理（PDA），信用卡， 身份证，钱夹，钱包，个人组织者，钥匙扣支付标签等个性。