公开(公告)号：US20080319912A1

公开(公告)日：2008-12-25

申请号：US11767176

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： G06Q40/00 ,  G06K19/07

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，当卡不在商业服务点（POS）终端附近时，能够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。

公开(公告)号：US20080314971A1

公开(公告)日：2008-12-25

申请号：US11767185

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： G06Q40/00

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：US20080223938A1

公开(公告)日：2008-09-18

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： G06K19/067

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：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.

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.

公开(公告)号：US20150227936A1

公开(公告)日：2015-08-13

申请号：US14691981

申请日：2015-04-21

申请人： Belva J. Bruesewitz ,  Nancy Hilgers ,  Patrick L. Faith ,  Kevin Paul Siegel ,  Xiaoli Li ,  Krishna Prasad Koganti ,  Craig O'Connell

发明人： Belva J. Bruesewitz ,  Nancy Hilgers ,  Patrick L. Faith ,  Kevin Paul Siegel ,  Xiaoli Li ,  Krishna Prasad Koganti ,  Craig O'Connell

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016 ,  G06Q20/04 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q20/409 ,  G06Q40/025 ,  G06Q40/08

摘要： A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

摘要翻译： 一种为授权系统提供实时风险缓解的系统。 系统从多个商家（或其各自的收件人）接收授权请求并处理这些请求。 然后将每个被处理的请求转发给其对应的发行者以进一步授权。 每个被处理的请求都包含一个授权消息。 授权消息可以包括风险分数，原因代码的数量和条件代码的数量。 使用风险分数，原因代码和条件代码可以使发行人在提供授权方面做出更明智的决策。

公开(公告)号：US08429085B2

公开(公告)日：2013-04-23

申请号：US11767144

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： G06Q20/00

CPC分类号： G06K19/077 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/352 ,  G06Q20/367 ,  G07F7/082 ,  G07F7/084 ,  G07F7/1008

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：US20130066781A1

公开(公告)日：2013-03-14

申请号：US13660894

申请日：2012-10-25

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

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

IPC分类号： G06Q20/22 ,  G06Q20/40

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：US20110066493A1

公开(公告)日：2011-03-17

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 ,  G06Q30/00

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：US20080319911A1

公开(公告)日：2008-12-25

申请号：US11767144

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： G06Q30/00 ,  H04L9/00

CPC分类号： G06K19/077 ,  G06Q20/341 ,  G06Q20/3415 ,  G06Q20/352 ,  G06Q20/367 ,  G07F7/082 ,  G07F7/084 ,  G07F7/1008

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。