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    IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS
    1.
    发明申请
    IN-PERSON ONE-TAP PURCHASING APPARATUSES, METHODS AND SYSTEMS 审中-公开
    个人一手购买设备，方法和系统

    公开(公告)号：US20120271712A1

    公开(公告)日：2012-10-25

    申请号：US13429670

    申请日：2012-03-26

    申请人： Edward Katzin ,  John Kheit ,  Ayman Hammad ,  Julian Hua ,  Jerry Wald

    发明人： Edward Katzin ,  John Kheit ,  Ayman Hammad ,  Julian Hua ,  Jerry Wald

    IPC分类号： G06Q30/06 ,  G06Q30/02

    CPC分类号： G06Q30/06 ,  G06Q20/0453 ,  G06Q20/20 ,  G06Q20/209 ,  G06Q20/3221 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/36 ,  G06Q20/387 ,  G06Q30/0251 ,  G07G1/0036 ,  G07G1/0081 ,  G07G3/003

    摘要： Methods, systems, and devices are disclosed for transforming product code snapshots into real-time, offer-driven electronic purchase transaction notifications that minimize fraud. In one embodiment, a smart phone scans a product identifier from a product package, a server accesses a products database for product purchase offers associated with the product identifier, a user authorizes a credit card from his or her wallet to charge, and then product purchase offers or other credit card offers (for loyalty points or otherwise) are provided to the user mobile device. After a user has purchased an item while in the aisle of the store, the user's smart phone displays a barcoded electronic receipt that can be scanned by the exit so that the consumer can walk out with the produce. In some embodiments, a video chat is requested by a customer service representative and a transaction risk score is lowered based on acceptance of the video chat.

    摘要翻译： 公开了用于将产品代码快照转换为实时，提供驱动的电子购买交易通知以减少欺诈的方法，系统和设备。 在一个实施例中，智能手机从产品包中扫描产品标识符，服务器访问产品数据库以获得与产品标识符相关联的产品购买提议，用户从他或她的钱包授权信用卡收费，然后产品购买 提供或其他信用卡优惠（用于积分或其他）提供给用户移动设备。 在用户在商店的通道中购买物品之后，用户的智能手机显示可由出口扫描的条形码电子收据，以便消费者可以随着产品走出去。 在一些实施例中，客户服务代表请求视频聊天，并且基于视频聊天的接受降低交易风险分数。

    TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS
    4.
    发明申请
    TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS 审中-公开
    交易视觉捕获设备，方法和系统

    公开(公告)号：US20130218721A1

    公开(公告)日：2013-08-22

    申请号：US13735802

    申请日：2013-01-07

    申请人： Ernest Borhan ,  Ayman Hammad ,  Thomas Purves ,  Julian Hua ,  Jerry Wald

    发明人： Ernest Borhan ,  Ayman Hammad ,  Thomas Purves ,  Julian Hua ,  Jerry Wald

    IPC分类号： G06Q30/06

    摘要： The TRANSACTION VISUAL CAPTURING APPARATUSES, METHODS AND SYSTEMS (“TVC”) transform mobile device location coordinate information transmissions, real-time reality visual capturing, and mixed gesture capturing via TVC components into real-time behavior-sensitive product purchase related information, shopping purchase transaction notifications, and electronic receipts. In one implementation, the TVC obtains user check-in information from a user mobile device upon user entry into a store. The TVC extracts a user identifier based on the user check-in information, and accesses a database for a user profile. The TVC determines a user prior behavior pattern from the accessed user profile, and obtains user real-time in-store behavior data from the user mobile device. Using these, the TVC generates and provides a recommendation to the user mobile device. The TVC adds a product for purchase by the user to a cart based on the provided recommendation. Upon obtaining an indication that the user desires to purchase the product added to the cart, the TVC initiates a purchase transaction for the product added to the cart, and provides an electronic receipt to the user mobile device.

    摘要翻译： 交易视觉捕获设备，方法和系统（“TVC”）将移动设备位置坐标信息传输，实时现实视觉捕获和通过TVC组件的混合姿态捕获转换成实时行为敏感的产品购买相关信息，购物购买 交易通知和电子收据。 在一个实现中，TVC在用户进入商店时从用户移动设备获得用户签入信息。 TVC基于用户登录信息提取用户标识符，并访问用户简档的数据库。 TVC从所访问的用户简档确定用户先前的行为模式，并且从用户移动设备获得用户实时的店内行为数据。 使用这些，TVC生成并向用户移动设备提供推荐。 TVC根据提供的建议，将用户购买的产品添加到购物车中。 在获得用户希望购买添加到购物车中的产品的指示时，TVC发起添加到购物车中的商品的购买交易，并向用户移动装置提供电子收据。

    Virtual wallet card selection apparatuses, methods and systems
    5.
    发明授权
    Virtual wallet card selection apparatuses, methods and systems 有权
    虚拟钱包卡选择装置，方法和系统

    公开(公告)号：US08577803B2

    公开(公告)日：2013-11-05

    申请号：US13487148

    申请日：2012-06-01

    申请人： Saurav Chatterjee ,  Ayman Hammad ,  Edward N. Katzin ,  Julian Hua

    发明人： Saurav Chatterjee ,  Ayman Hammad ,  Edward N. Katzin ,  Julian Hua

    IPC分类号： G06Q40/00

    CPC分类号： G06Q20/367 ,  G06Q20/12 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q20/385

    摘要： The VIRTUAL WALLET CARD SELECTION APPARATUSES, METHODS AND SYSTEMS (“VWCS”) transform virtual wallet card selections by users utilizing mobile devices via VWCS components into virtual wallet card-based transaction purchase notifications. In one implementation, the VWCS obtains a user authentication request for a purchase transaction, and extracts a universal card account number from it. Upon querying a database, the VWCS determines that the user has access to a virtual wallet and obtains virtual wallet card selection options for the user from the database. The VWCS provides the virtual wallet card selection options to a user mobile device, and obtains a user selection of an account included among the options. The VWCS initiates a purchase transaction using the user selection. Also, upon completion of authorization of the purchase transaction, the VWCS provides a purchase receipt to the user mobile device.

    摘要翻译： 虚拟电子钱包卡选择设备，方法和系统（“VWCS”）将使用VWCS组件的移动设备的用户的虚拟钱包卡选择转换为基于虚拟钱包卡的交易采购通知。 在一个实现中，VWCS获得用于购买交易的用户认证请求，并从其中提取通用卡帐号。 在查询数据库时，VWCS确定用户可以访问虚拟钱包，并从数据库获取用户的虚拟钱包卡选择选项。 VWCS向用户移动设备提供虚拟钱包卡选择选项，并且获得包括在选项中的帐户的用户选择。 VWCS使用用户选择启动购买交易。 此外，在完成购买交易的授权之后，VWCS向用户移动设备提供购买单。

    System and method for enabling a mobile communication device to operate as a financial presentation device
    6.
    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
    8.
    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
    9.
    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
    10.
    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.