System and method for enabling a mobile communication device to operate as a financial presentation device

    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

    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
    5.
    发明申请

    公开(公告)号:US20190087827A1

    公开(公告)日:2019-03-21

    申请号:US16192687

    申请日:2018-11-15

    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

    公开(公告)号:US10095276B2

    公开(公告)日:2018-10-09

    申请号:US12953372

    申请日:2010-11-23

    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

    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
    8.
    发明申请

    公开(公告)号:US20170255944A1

    公开(公告)日:2017-09-07

    申请号:US15463733

    申请日:2017-03-20

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

    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.