公开(公告)号：US08761809B2

公开(公告)日：2014-06-24

申请号：US12952811

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： H04W24/00

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/08

摘要： Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.

摘要翻译： 本发明的实施例可以使用第一加速度计来测量第一装置的第一加速度数据。 还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。 第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计产生的第二加速度数据进行比较。 如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。 通信发起后，进行金融交易。 加速度计数据可以被存储和/或用作支付处理网络中认证过程的一部分。 本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。 加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

公开(公告)号：US20110191237A1

公开(公告)日：2011-08-04

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： G06Q30/00 ,  G06Q40/00 ,  G06F15/00

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  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.

摘要翻译： 本发明的实施例涉及用于使用具有加速度计的第一设备通过与加速度计接触第二设备来传送数据的系统，设备和方法，从而生成表示移动设备之间的物理接触的交互数据 和第二设备。 第一设备可以是移动电话。 第二设备可以是移动电话或固定式售货亭或终端。 具有加速度计的第一设备物理地接触第二设备。 第一和第二设备中的每一个产生表示第一和第二设备之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。 服务器计算机基于交互数据确定第一设备和第二设备物理上彼此接触。 在确定移动设备和第二设备联系之后，可以在设备之间发起通信。 通信可以包括客户提供的信息（例如，购物清单）和商家提供的信息（例如，来自消费者购物清单的库存或销售的商品）。 在一些实施例中，在第一和第二计算设备中的每一个独立地与移动设备交互之后，三个设备之间的至少两个独立交互将数据从第一计算设备传送到第二计算设备。

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.

公开(公告)号：US08907768B2

公开(公告)日：2014-12-09

申请号：US12953371

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： H04Q5/22 ,  G08B1/08 ,  G05B19/00 ,  H04K1/00 ,  G06F3/033 ,  G06Q20/42 ,  G06Q20/38 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06F1/16

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/08

摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.

摘要翻译： 本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。 第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。 第一和第二装置可以是移动电话。 第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。 服务器计算机基于交互数据确定第一设备和第二设备进行物理接触。 在确定第一设备和第二设备联系之后，可以在设备之间发起通信。 通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（诸如凭证）之间的访问交易，以验证潜在进入者是否被允许或不允许访问 被守门员固定或限制的特定区域。 其他实施例直接用于确认交易。 访问交易和确认交易可以与使用支付处理网络的金融交易组合。

公开(公告)号：US20110189981A1

公开(公告)日：2011-08-04

申请号：US12952811

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： G06Q40/00 ,  H04W4/24

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/08

摘要： Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated by the first device may also be recorded. First acceleration data is compared by a remote server computer to second acceleration data generated by a second accelerometer in a second device. If the first and second accelerometer data are substantially equal, it can be determined that the devices have interacted and communications can be initiated. After communications are initiated, a financial transaction is conducted. Accelerometer data may be stored and/or used as part of the authentication process in a payment processing network. Other embodiments of the invention use the accelerometer to generate movement security data to make financial transaction more secure. Accelerometer data is used for authentication, security, encryption, session keys, non-repudiation, or fraud protection.

摘要翻译： 本发明的实施例可以使用第一加速度计来测量第一装置的第一加速度数据。 还可以记录由第一设备产生的其他交互数据，包括时间数据和地理位置数据。 第一加速度数据由远程服务器计算机与由第二装置中的第二加速度计产生的第二加速度数据进行比较。 如果第一和第二加速度计数据基本上相等，则可以确定设备已经相互作用并且可以启动通信。 通信发起后，进行金融交易。 加速度计数据可以被存储和/或用作支付处理网络中认证过程的一部分。 本发明的其他实施例使用加速度计来产生运动安全数据以使金融交易更加安全。 加速度计数据用于认证，安全性，加密，会话密钥，不可否认性或欺诈保护。

公开(公告)号：US20110187642A1

公开(公告)日：2011-08-04

申请号：US12953368

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： G06F3/033

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/00508 ,  H04W12/08

摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.

摘要翻译： 本发明的实施例涉及用于使用具有加速度计的移动设备通过与交互终端进行联系来进行金融交易的系统，装置和方法，从而生成表示移动设备与移动设备之间的物理接触的交互数据 交互终端。 移动设备可以是移动电话。 交互终端可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。 具有加速度计的移动设备物理地接触交互终端。 交互终端弯曲，反冲或移动并生成表示移动设备和交互终端之间的物理交互的交互数据（例如，加速度计，位置，时间数据等）。 服务器计算机基于交互数据来确定移动设备和交互终端进行物理接触。 在确定移动设备和交互终端进行联系之后，可以在设备之间发起通信。 通信可以涉及使用支付处理网络处理支付交易。

公开(公告)号：US20110187505A1

公开(公告)日：2011-08-04

申请号：US12953371

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： H04Q5/22

CPC分类号： G06F1/1694 ,  G06F21/40 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3224 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q20/4016 ,  G06Q20/42 ,  H04W12/08

摘要： Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices. Communications may relate an access transaction comprising an exchange of information, such as credentials, between a prospective entrant (operating the first device) and a gatekeeper (operating the second device) to verify that the prospective entrant is permitted or is not permitted access to a particular area that is secured or restricted by the gatekeeper. Other embodiments are direct to confirmation transactions. Access transaction and confirmation transactions may be combined with a financial transaction using a payment processing network.

摘要翻译： 本发明的实施例涉及使用具有加速度计的移动装置来获得进入安全或限制区域的系统，装置和方法。 第一设备和第二设备通过彼此进行物理接触进行交互，从而生成代表第一和第二设备之间的物理交互的交互数据。 第一和第二装置可以是移动电话。 第二设备可以是销售点终端，接入点设备或位于线路，门，门或入口处的任何其它固定（即固定位置）设备。 服务器计算机基于交互数据确定第一设备和第二设备进行物理接触。 在确定第一设备和第二设备联系之后，可以在设备之间发起通信。 通信可以涉及在潜在进入者（操作第一设备）和网守（操作第二设备）之间的信息交换（诸如凭证）之间的访问交易，以验证潜在进入者是否被允许或不允许访问 被守门员固定或限制的特定区域。 其他实施例直接用于确认交易。 访问交易和确认交易可以与使用支付处理网络的金融交易组合。

公开(公告)号：US20110106659A1

公开(公告)日：2011-05-05

申请号：US12917830

申请日：2010-11-02

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

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

IPC分类号： G06Q20/00 ,  G06Q30/00

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：US08332325B2

公开(公告)日：2012-12-11

申请号：US12917830

申请日：2010-11-02

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

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

IPC分类号： G06Q20/00 ,  G06Q30/00

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：US20100299249A1

公开(公告)日：2010-11-25

申请号：US12767335

申请日：2010-04-26

申请人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

发明人： Mark Carlson ,  Patrick Stan ,  Patrick Faith ,  Ayman Hammad ,  Ben Rewis

IPC分类号： G06Q40/00 ,  G06F17/30

CPC分类号： G06Q20/425 ,  G06Q20/10 ,  G06Q20/32 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/42 ,  G06Q40/00

摘要： Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.

摘要翻译： 本发明的实施例涉及一种用于确定与支付帐户的辅助用户进行的交易相关的产品的系统和方法，以及发送包含产品特定信息的消息。 可以实现系统以在支付处理期间传送商品标识符。 产品特定信息可能包含在发送到帐户持有人的警报消息中。