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    System and method for enabling a mobile communication device to operate as a financial presentation device
    1.
    发明授权
    System and method for enabling a mobile communication device to operate as a financial presentation device 有权

    公开(公告)号：US10402813B2

    公开(公告)日：2019-09-03

    申请号：US16286606

    申请日：2019-02-27

    申请人： Ayman Hammad

    发明人： Ayman Hammad

    IPC分类号： H04M3/42 ,  G06Q20/32 ,  H04W12/08 ,  H04W4/18 ,  G06Q20/38 ,  H04W12/04 ,  G06Q20/40 ,  H04L29/08 ,  H04L29/06

    摘要： A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.

    CONTACT ALERT SYSTEM AND METHOD
    3.
    发明申请
    CONTACT ALERT SYSTEM AND METHOD 审中-公开

    公开(公告)号：US20190087827A1

    公开(公告)日：2019-03-21

    申请号：US16192687

    申请日：2018-11-15

    申请人： Ayman Hammad ,  Mark Carlson

    发明人： Ayman Hammad ,  Mark Carlson

    IPC分类号： G06Q20/42 ,  G06Q40/00 ,  G06Q30/06 ,  H04W4/12

    CPC分类号： G06Q20/42 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q40/12 ,  H04W4/12

    摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

    Information access device and data transfer
    4.
    发明授权
    Information access device and data transfer 有权

    公开(公告)号：US10095276B2

    公开(公告)日：2018-10-09

    申请号：US12953372

    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： H04B7/00 ,  G06F1/16 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/42 ,  H04W12/08

    摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.

    Secure anonymous transaction apparatuses, methods and systems
    5.
    发明授权
    Secure anonymous transaction apparatuses, methods and systems 有权

    公开(公告)号：US09773212B2

    公开(公告)日：2017-09-26

    申请号：US13407719

    申请日：2012-02-28

    申请人： Ayman Hammad

    发明人： Ayman Hammad

    IPC分类号： G06Q40/00 ,  G06Q10/00

    CPC分类号： G06Q10/00

    摘要： The SECURE ANONYMOUS TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“SAT”) transform hardware-verified user authentication requests via SAT components into secure transaction notifications. In one implementation, the SAT obtains a secure anonymous transaction user authentication request. The SAT verifies the authenticity of a user, using the secure anonymous transaction user authentication request. The SAT obtains an authenticated purchase order, in response to which it generates a one-time anonymous card account. Using the one-time card account, the SAT generates an anonymized purchase order for a merchant, and provides the anonymized purchase order. On obtaining a purchase notification for the anonymized purchase order, the SAT provides a real-time notification for a user of the purchase notification. Also, on obtaining notification of a shipment related to the anonymized purchase order to an anonymized address, the SAT generates an order to re-route the shipment from the anonymized address to an actual shipment address of the user.

    CONTACT ALERT SYSTEM AND METHOD
    6.
    发明申请
    CONTACT ALERT SYSTEM AND METHOD 审中-公开

    公开(公告)号：US20170255944A1

    公开(公告)日：2017-09-07

    申请号：US15463733

    申请日：2017-03-20

    申请人： Ayman Hammad ,  Mark Carlson

    发明人： Ayman Hammad ,  Mark Carlson

    IPC分类号： G06Q20/42 ,  G06Q30/06 ,  G06Q40/00

    CPC分类号： G06Q20/42 ,  G06Q20/425 ,  G06Q30/06 ,  G06Q40/12 ,  H04W4/12

    摘要： Embodiments of the present invention are directed to a system and method for receiving transaction data for a transaction, accessing a database comprising alert preference data, generating a contact alert message using the transaction data and alert preference data using a notification server coupled to the database wherein the contact alert message comprises contact information of a first person who conducted the transaction, and sending the contact alert message to a notification device of a second person.

    ALERT PRIORITIZATION LOGIC
    9.
    发明申请
    ALERT PRIORITIZATION LOGIC 审中-公开
    提醒优先逻辑

    公开(公告)号：US20160307180A1

    公开(公告)日：2016-10-20

    申请号：US15194335

    申请日：2016-06-27

    申请人： Ayman Hammad ,  Mark Carlson

    发明人： Ayman Hammad ,  Mark Carlson

    IPC分类号： G06Q20/32 ,  H04L29/08 ,  G08B25/00

    CPC分类号： G06Q20/401 ,  G06Q20/202 ,  G06Q20/325 ,  G06Q20/40 ,  G06Q30/0185 ,  G06Q30/0224 ,  G06Q30/0236 ,  G06Q40/12 ,  G06Q50/265 ,  G08B5/229 ,  G08B25/004 ,  H04L12/1895 ,  H04L67/04 ,  H04L67/26 ,  H04L67/306

    摘要： A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format. When the alert message is received by a mobile device, the mobile device may use the alert message to generate a second alert message.

    摘要翻译： 本发明的第一实施例涉及用于确定一组警报触发的优先级并基于所确定的优先级执行附加处理的系统和方法。 在一些实施例中，附加处理可以包括生成和发送警报消息。 在其他实施例中，附加处理可以进一步包括确定警报消息的生成和发送将被延迟到稍后的时间。 在其他实施例中，附加处理可以包括确定不生成和发送警报消息。 本发明的第二实施例涉及用于动态选择递送信道并为所选择的递送信道生成警报消息的系统和方法。 在一些实施例中，警报消息可以基于所选择的传递信道被格式化。 根据一个实施例，可以基于紧凑协议格式生成警报消息。 当移动设备接收到警报消息时，移动设备可以使用警报消息来生成第二警报消息。