公开(公告)号：US10387885B2

公开(公告)日：2019-08-20

申请号：US12767335

申请日：2010-04-26

申请人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

发明人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

IPC分类号： G06Q40/00 ,  G06Q20/42 ,  G06Q20/10 ,  G06Q20/32

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.

公开(公告)号：US20150379515A1

公开(公告)日：2015-12-31

申请号：US14732294

申请日：2015-06-05

申请人： Ayman Hammad ,  Patrick Faith ,  Krishna Prasad Koganti ,  Ben Rewis ,  Brendan Xavier Louis ,  Kevin Weller ,  Benedicto Hernandez Dominguez

发明人： Ayman Hammad ,  Patrick Faith ,  Krishna Prasad Koganti ,  Ben Rewis ,  Brendan Xavier Louis ,  Kevin Weller ,  Benedicto Hernandez Dominguez

IPC分类号： G06Q20/40 ,  G06Q20/38

CPC分类号： G06Q20/409 ,  G06F21/34 ,  G06F2221/2129 ,  G06Q20/12 ,  G06Q20/3674 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q2220/00 ,  H04L9/0866 ,  H04L9/321 ,  H04L9/3234 ,  H04L9/3273 ,  H04L63/0853 ,  H04L63/126 ,  H04L2209/56

摘要： Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.

摘要翻译： 公开了关于用于3-D安全系统的便携式消费者设备的验证的设备，方法和系统。 在一个实现中，验证令牌通过USB连接耦合到计算机，以便使用计算机的网络设施。 验证令牌从用户的便携式消费者设备（例如，信用卡）中读取识别信息，并使用计算机的网络设施通过通信网络将信息发送到验证条目。 验证实体对从验证令牌接收到的信息应用一个或多个验证测试。 如果通过了选定的测试次数，则验证实体向验证令牌发送3-D Secure数据。 验证令牌可以将3-D Secure数据输入计算机显示屏上出现的购买认证页面的隐藏字段。

公开(公告)号：US08332325B2

公开(公告)日：2012-12-11

申请号：US12917830

申请日：2010-11-02

申请人： Patrick Faith ,  Kris Koganti ,  Ayman Hammad ,  Ben Rewis

发明人： Patrick Faith ,  Kris Koganti ,  Ayman Hammad ,  Ben Rewis

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q30/06 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q30/0613

摘要： A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.

摘要翻译： 公开了一种通过支付处理网络和接入设备之间的安全通信信道传递非金融电子数据的方法。 本发明的一个实施例涉及一种方法，包括在支付处理网络处接收在消费者设备和支付处理网络之间建立安全通信信道的请求。 在与消费者设备建立安全通信通道之后，支付处理器网络从支付处理网络处的商家接收非金融电子内容，其中在与商户相关联的用户在商家处选择非金融电子内容。 非金融电子内容经由消费者设备和支付处理网络之间的安全通信信道从支付处理网络发送到消费者设备。

公开(公告)号：US20110187505A1

公开(公告)日：2011-08-04

申请号：US12953371

申请日：2010-11-23

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

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

IPC分类号： H04Q5/22

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：US20100299208A1

公开(公告)日：2010-11-25

申请号：US12767363

申请日：2010-04-26

申请人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

发明人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

IPC分类号： G06Q30/00

CPC分类号： G06Q20/3221 ,  G06Q20/32 ,  G06Q30/0251 ,  G06Q30/0267

摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.

摘要翻译： 本发明的实施例涉及用于确定交易中涉及的产品的系统和方法，以及发送包含产品特定数据的消息。 系统可以在支付处理期间实现到产品标识符。 可以发送消息，包括产品标识符，以及关于与产品标识符相关联的产品的进一步信息。

公开(公告)号：US09727868B2

公开(公告)日：2017-08-08

申请号：US12773765

申请日：2010-05-04

申请人： Patrick Faith ,  Kevin P. Siegel

发明人： Patrick Faith ,  Kevin P. Siegel

IPC分类号： G06Q30/02 ,  G06Q20/40 ,  G06Q10/06 ,  G06Q40/00 ,  G06F17/30 ,  G06Q20/32 ,  G06Q30/00 ,  G06Q10/04

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 for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.

公开(公告)号：US20160292690A1

公开(公告)日：2016-10-06

申请号：US15182241

申请日：2016-06-14

申请人： Patrick Faith ,  Kevin Siegel ,  Mayrose Pacis Kragas

发明人： Patrick Faith ,  Kevin Siegel ,  Mayrose Pacis Kragas

IPC分类号： G06Q20/40 ,  G06F17/30 ,  G06F21/55 ,  H04L29/06

CPC分类号： G06Q20/4016 ,  G06F16/9024 ,  G06F16/9027 ,  G06F21/552 ,  G06F2221/034 ,  H04L63/20

摘要： Embodiments of the invention provides systems and methods for automatically generating rules for detecting unauthorized network activities. The method comprises receiving network activity data for a set of prior network activities, deriving a set of field combinations by combining different fields in a subset of the plurality of fields of the network activity data, deriving a set of field value combinations associated with the field combination, calculating a field value combination signal-to-noise value (SNV) based on at least a ratio of authorized network activities to unauthorized network activities in the set of prior network activities, determining a field combination SNV based on the field value combination SNVs, selecting one or more field combinations to generate a set of one or more detection rules, and applying the selected detection rules to determine whether a particular network activity is authorized.

摘要翻译： 本发明的实施例提供了用于自动生成用于检测未经授权的网络活动的规则的系统和方法。 该方法包括接收一组先前网络活动的网络活动数据，通过组合网络活动数据的多个字段的子集中的不同字段来导出一组字段组合，导出与该字段相关联的一组字段值组合 基于所述现有网络活动集合中的授权网络活动与未授权网络活动的比例来计算场值组合信噪比（SNV），基于所述场值组合SNV来确定场组合SNV ，选择一个或多个字段组合以生成一组一个或多个检测规则，以及应用所选择的检测规则以确定特定网络活动是否被授权。

公开(公告)号：US20140344142A1

公开(公告)日：2014-11-20

申请号：US14257863

申请日：2014-04-21

申请人： Patrick Faith ,  Mark Carlson ,  Krishna Prasad Koganti

发明人： Patrick Faith ,  Mark Carlson ,  Krishna Prasad Koganti

IPC分类号： G06Q20/02

CPC分类号： G06Q20/027 ,  G06Q30/06 ,  G06Q30/0601

摘要： A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.

摘要翻译： 公开了一种网关服务平台，其提供经由诸如互联网的开放网络对支付处理系统的访问。 网关服务平台还提供对提供由支付处理系统提供或附属的各种服务和应用的服务系统的访问。 网关服务平台允许支付处理系统接触用户并促进在不同的设备上可能无法连接到支付处理系统的交易。 诸如支付终端设备的其他设备也可以通过使用相同网络和协议的网关服务平台与支付处理系统进行交互。 本发明的实施例允许这些开放网络上的设备与支付处理系统连接，而不必改变支付处理系统的现有基础设施。

公开(公告)号：US20140337175A1

公开(公告)日：2014-11-13

申请号：US13520481

申请日：2012-02-22

申请人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

发明人： Edward Katzin ,  Julian Hua ,  Gregory Kenneth Storey ,  Michael Mori ,  Abhinav Shrivastava ,  Amit Bhargava ,  Andrew Beck ,  Ayman Hammad ,  Ben Pfisterer ,  Diane Salmon ,  Igor Karpenko ,  Jennifer Schulz ,  Miroslav Gavrilov ,  Peter Ciurea ,  Patrick Faith ,  Phillip Kumnick ,  Saurav Chatterjee ,  Sebastian Badea ,  Shaw Li ,  Shipra Jha ,  Stacy Pourfallah ,  Susan French ,  Tenni Theurer ,  Theodore Harris ,  Thomas Purves ,  Vanita Pandey ,  Victoria Graham ,  Prakash Hariramani

IPC分类号： G06Q20/36 ,  G06Q20/32 ,  G06Q30/06

CPC分类号： G06Q20/36 ,  G06Q20/204 ,  G06Q20/322 ,  G06Q20/367 ,  G06Q30/00 ,  G06Q30/06 ,  G06Q30/0623 ,  G07F7/0886

摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

摘要翻译： 通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。 在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。 此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

公开(公告)号：US20140325606A1

公开(公告)日：2014-10-30

申请号：US14288254

申请日：2014-05-27

申请人： Ashwin Raj ,  John Tullis ,  Mark Carlson ,  Patrick Faith ,  Shalini Mayor ,  Joseph Mirizzi ,  Lauren White ,  Olivier Brand ,  Mike Lindelsee

发明人： Ashwin Raj ,  John Tullis ,  Mark Carlson ,  Patrick Faith ,  Shalini Mayor ,  Joseph Mirizzi ,  Lauren White ,  Olivier Brand ,  Mike Lindelsee

IPC分类号： H04L29/06

CPC分类号： H04W12/06 ,  G06F21/31 ,  G06F2221/2117 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/3829 ,  G06Q20/40 ,  G06Q20/4037 ,  G06Q40/02 ,  H04L9/0643 ,  H04L9/0861 ,  H04L9/321 ,  H04L9/3226 ,  H04L9/3236 ,  H04L63/0428 ,  H04L63/08 ,  H04L63/0884 ,  H04W12/04 ,  H04W12/08

摘要： Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.

摘要翻译： 公开了使用算法定义的键进行服务激活的系统和方法。 与第一方有关系的消费者可能希望注册第三方提供的服务。 第一方可以通过使用算法定义的键来保持对这种注册的控制。 算法定义的密钥还允许第三方服务提供商将由消费者提供的数据验证为由第一方存储的匹配数据。 验证提供数据同步，而不需要第三方访问第一方数据系统。