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公开(公告)号：US20180308095A1
公开(公告)日：2018-10-25
申请号：US16024323
申请日：2018-06-29
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 , H04L29/06 , G06Q20/12 , G06Q20/36 , H04L9/32 , G06Q20/38 , G06F21/34 , G06Q30/06 , G06Q20/42 , H04L9/08
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： Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.
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公开(公告)号：US10043186B2
公开(公告)日：2018-08-07
申请号：US15690150
申请日：2017-08-29
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 , H04L9/32 , G06F21/34 , G06Q20/42 , G06Q20/38 , G06Q20/36 , G06Q20/12 , H04L9/08 , G06Q30/06 , H04L29/06
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： Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.
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公开(公告)号：US09916010B2
公开(公告)日：2018-03-13
申请号：US14715105
申请日：2015-05-18
发明人： Theodore Harris , Scott Edington , Patrick Faith
CPC分类号： G06F3/017 , G06F3/011 , G06F3/0304 , G06F3/0482 , G06F3/04842 , G06F3/147 , G06F3/167 , G06F2203/0381 , G06K9/00268 , G06K9/00288 , G06K9/00335 , G06K9/00355 , G06K9/00671 , G06K9/3258 , G06K2209/27 , G06Q30/0641 , G09G2340/10 , G09G2358/00 , G09G2370/022 , G09G2380/04 , H04L63/0861 , H04L67/10 , H04L67/12 , H04L67/22 , H04W12/06
摘要： Systems and methods described herein are for transmitting a command to a remote system. A processing system determines the identity of the user based on the unique identifier and the biometric information. Thereafter, a sensor detects a gesture performed by the user. The sensor is configured to detect the gesture performed by the user when the user is located within the detectable range of the wireless antenna. The processing system determines an action associated with the detected gesture based on the identity of the user and sends a command to a remote computer system to cause it to perform the action associated with the detected gesture.
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公开(公告)号：US09898740B2
公开(公告)日：2018-02-20
申请号：US14273331
申请日：2014-05-08
发明人： Kevin Weller , Kim Steele , Krishna Koganti , Patrick Faith
CPC分类号： G06Q20/4016 , G06F21/31 , G06F2221/2103 , G06Q20/12 , G06Q20/40 , G06Q20/405 , G06Q30/06 , G06Q50/265 , H04L9/3213 , H04L9/3226 , H04L9/3273
摘要： Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.
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45.发明申请公开(公告)号：US20180046623A1
公开(公告)日：2018-02-15
申请号：US15717409
申请日：2017-09-27
CPC分类号： G06F17/3012 , G06F17/30377 , G06F17/30424 , G06Q10/00 , G06Q30/06 , G06Q30/0631 , G06Q50/01 , G06Q99/00
摘要： The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA MERCHANT ANALYTICS DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MDB”) transform data aggregated from various computer resources using MDB components into updated entity profiles and/or social graphs. In one implementation, the MDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The MDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the MDB identifies an entity. The MDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The MDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values. Using the generated correlations and associated attributes, the MDB generates an updated profile and social graph of the entity. The MDB provides the updated profile and social graph for an automated web form filling request.
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公开(公告)号：US09792611B2
公开(公告)日：2017-10-17
申请号：US14732294
申请日：2015-06-05
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 , G06F21/34 , G06Q20/12 , G06Q20/36 , G06Q20/38 , G06Q20/42 , G06Q30/06 , H04L9/08 , H04L9/32 , H04L29/06
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： Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a verification token is associated with a computer and can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.
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公开(公告)号：US20170235786A9
公开(公告)日：2017-08-17
申请号：US13758472
申请日：2013-02-04
IPC分类号： G06F17/30
CPC分类号： G06F16/164 , G06F16/2379 , G06F16/245 , G06F16/9024 , G06F16/9535 , G06F16/9536 , G06Q10/00 , G06Q30/06 , G06Q30/0631 , G06Q30/0643 , G06Q50/01 , G06Q99/00
摘要： THE MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA CENTRALIZED PERSONAL INFORMATION DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“CPDB”) transform data aggregated from various computer resources using CPDB components into updated entity profiles and/or social graphs. In one implementation, the CPDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The CPDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the CPDB identifies an entity. The CPDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The CPDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values. Using the generated correlations and associated attributes, the CPDB generates an updated profile and social graph of the entity. The CPDB provides the updated profile and social graph for an automated web form filling request.
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公开(公告)号：US09280764B2
公开(公告)日：2016-03-08
申请号：US14257863
申请日：2014-04-21
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。
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公开(公告)号：US09160734B2
公开(公告)日：2015-10-13
申请号：US14288254
申请日：2014-05-27
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： H04L9/32 , H04L29/06 , G06F21/31 , G06Q20/02 , G06Q20/10 , G06Q20/38 , G06Q20/40 , H04L9/06 , H04L9/08 , G06Q40/02
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。
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公开(公告)号：US11074218B2
公开(公告)日：2021-07-27
申请号：US16294676
申请日：2019-03-06
发明人： Patrick Faith , Theodore Harris
IPC分类号： G06Q30/00 , G06F16/16 , G06F16/245 , G06F16/23 , G06Q30/06 , G06F16/901 , G06F16/9536 , G06Q50/00 , G06Q10/00 , G06Q99/00 , G06F16/9535
摘要： An analytics platform processor-implemented method comprising obtaining a computer-based electronic message including a request for an analytics recommendation including a user identifier. Upon obtaining the electronic message, querying a distributed linking node mesh for entities correlated with the user identifier. Generating a user behavior profile based on the queried entities correlated with the user identifier. Determining a product or service using the user behavior profile. Providing an indication of the product or service to the server in response to the request for the analytics recommendation. Wherein the distributed linking node mesh includes a node representing an observable entity and a node representing a deduced entity derived through aggregating information associated with the user.
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