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1. 发明授权

US10095276B2 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.

2. 发明授权

US09727868B2 Determining targeted incentives based on consumer transaction history 有权
公开(公告)号：US09727868B2
公开(公告)日：2017-08-08
申请号：US12773765
申请日：2010-05-04
申请人： Patrick Faith , Kevin P. Siegel
发明人： Patrick Faith , Kevin P. Siegel
IPC分类号： G06Q30/02 , G06Q20/40 , G06Q10/06 , G06Q40/00 , G06F17/30 , G06Q20/32 , G06Q30/00 , G06Q10/04
CPC分类号： G06Q20/4016 , G06Q10/04 , G06Q10/06375 , G06Q20/40 , G06Q30/02 , G06Q30/0202 , G06Q30/0204 , G06Q30/0205 , G06Q30/0224 , G06Q30/0269 , G06Q40/00 , G06Q40/12
摘要： Systems, apparatus, and methods for determining incentives based on consumer history. When, how, and to whom incentives are sent can be determined. For example, an incentive can be sent to a consumer to encourage a transaction at a time when the particular consumer is predisposed to initiate the transaction. Also, an incentive for a transaction can be sent to a consumer when that transaction has a high likelihood of leading to other transactions. An incentive can also be sent after a consumer initiates a transaction that is known to not have many subsequent transaction correlated to it.

3. 发明申请

US20170142075A1 DIGITAL BROADCAST METHODS USING SECURE MESHES AND WAVELETS 审中-公开
公开(公告)号：US20170142075A1
公开(公告)日：2017-05-18
申请号：US15398571
申请日：2017-01-04
申请人： PATRICK FAITH , THEODORE D. HARRIS , SCOTT EDINGTON
发明人： PATRICK FAITH , THEODORE D. HARRIS , SCOTT EDINGTON
IPC分类号： H04L29/06 , H04N1/44 , H04L29/08 , H04N21/234 , H04N21/2347
CPC分类号： H04L63/0428 , H04L67/22 , H04N1/4486 , H04N21/23412 , H04N21/23476
摘要： Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.

4. 发明申请

US20160292690A1 RISK MANAGER OPTIMIZER 审中-公开
标题翻译：风险管理者优化者
公开(公告)号：US20160292690A1
公开(公告)日：2016-10-06
申请号：US15182241
申请日：2016-06-14
申请人： Patrick Faith , Kevin Siegel , Mayrose Pacis Kragas
发明人： Patrick Faith , Kevin Siegel , Mayrose Pacis Kragas
IPC分类号： G06Q20/40 , G06F17/30 , G06F21/55 , H04L29/06
CPC分类号： G06Q20/4016 , G06F16/9024 , G06F16/9027 , G06F21/552 , G06F2221/034 , H04L63/20
摘要： Embodiments of the invention provides systems and methods for automatically generating rules for detecting unauthorized network activities. The method comprises receiving network activity data for a set of prior network activities, deriving a set of field combinations by combining different fields in a subset of the plurality of fields of the network activity data, deriving a set of field value combinations associated with the field combination, calculating a field value combination signal-to-noise value (SNV) based on at least a ratio of authorized network activities to unauthorized network activities in the set of prior network activities, determining a field combination SNV based on the field value combination SNVs, selecting one or more field combinations to generate a set of one or more detection rules, and applying the selected detection rules to determine whether a particular network activity is authorized.
摘要翻译：本发明的实施例提供了用于自动生成用于检测未经授权的网络活动的规则的系统和方法。该方法包括接收一组先前网络活动的网络活动数据，通过组合网络活动数据的多个字段的子集中的不同字段来导出一组字段组合，导出与该字段相关联的一组字段值组合基于所述现有网络活动集合中的授权网络活动与未授权网络活动的比例来计算场值组合信噪比（SNV），基于所述场值组合SNV来确定场组合SNV ，选择一个或多个字段组合以生成一组一个或多个检测规则，以及应用所选择的检测规则以确定特定网络活动是否被授权。

5. 发明授权

US08907768B2 Access using a mobile device with an accelerometer 有权
标题翻译：使用带加速度计的移动设备进行访问
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。

6. 发明申请

US20140344142A1 Gateway Service Platform 有权
标题翻译：网关服务平台
公开(公告)号：US20140344142A1
公开(公告)日：2014-11-20
申请号：US14257863
申请日：2014-04-21
申请人： Patrick Faith , Mark Carlson , Krishna Prasad Koganti
发明人： Patrick Faith , Mark Carlson , Krishna Prasad Koganti
IPC分类号： G06Q20/02
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。

7. 发明申请

US20140337175A1 Universal Electronic Payment Apparatuses, Methods and Systems 审中-公开
标题翻译：通用电子支付设备，方法和系统
公开(公告)号：US20140337175A1
公开(公告)日：2014-11-13
申请号：US13520481
申请日：2012-02-22
申请人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
发明人： Edward Katzin , Julian Hua , Gregory Kenneth Storey , Michael Mori , Abhinav Shrivastava , Amit Bhargava , Andrew Beck , Ayman Hammad , Ben Pfisterer , Diane Salmon , Igor Karpenko , Jennifer Schulz , Miroslav Gavrilov , Peter Ciurea , Patrick Faith , Phillip Kumnick , Saurav Chatterjee , Sebastian Badea , Shaw Li , Shipra Jha , Stacy Pourfallah , Susan French , Tenni Theurer , Theodore Harris , Thomas Purves , Vanita Pandey , Victoria Graham , Prakash Hariramani
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q30/06
CPC分类号： G06Q20/36 , G06Q20/204 , G06Q20/322 , G06Q20/367 , G06Q30/00 , G06Q30/06 , G06Q30/0623 , G07F7/0886
摘要： The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
摘要翻译：通用电子支付设备，方法和系统（“UEP”）将触摸屏输入通过UEP组件转换成虚拟钱包移动应用程序接口到购买交易触发器和收据通知。在一个实现中，UEP经由用户设备提供产品信息搜索请求; 并且响应于所述产品信息搜索请求，获得关于由第一商家出售的第一产品和由第二商家销售的第二产品的信息。 UEP使用由第一商家销售的第一产品的信息和由第二商家销售的第二商品来生成单个购买交易请求。 UEP经由用户设备提供用于支付处理的单个购买交易请求。此外，UEP获得第一商家的第一商品的电子购买收据和由第二商家出售的第二商品。

8. 发明申请

US20140325606A1 SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY 审中-公开
标题翻译：使用算术关键词进行服务激活
公开(公告)号：US20140325606A1
公开(公告)日：2014-10-30
申请号：US14288254
申请日：2014-05-27
申请人： Ashwin Raj , John Tullis , Mark Carlson , Patrick Faith , Shalini Mayor , Joseph Mirizzi , Lauren White , Olivier Brand , Mike Lindelsee
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： H04L29/06
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。

9. 发明申请

US20140244511A1 ONLINE CHALLENGE-RESPONSE 有权
标题翻译：在线挑战回应
公开(公告)号：US20140244511A1
公开(公告)日：2014-08-28
申请号：US14273331
申请日：2014-05-08
申请人： Kevin Weller , Kim Steele , Krishna Koganti , Patrick Faith
发明人： Kevin Weller , Kim Steele , Krishna Koganti , Patrick Faith
IPC分类号： G06Q20/40 , G06Q20/12 , G06F21/31
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.
摘要翻译：本发明的实施例使得能够使用挑战响应应用实时地进行在线交易的持卡人被认证。挑战响应应用程序可由发行人或第三方代表发行人管理。可以向持卡人提出一个挑战性问题，并且可以验证持卡人的回复。所提出的挑战性问题可以根据对交易风险的分析和潜在的其他因素进行选择。可以使用各种动态挑战性问题，而不需要持卡人注册该计划。另外，可以基于诸如商家的位置或消费者的位置的因素来调整挑战应答应用的许多灵活的实现选项。

10. 发明授权

US08818882B2 Alias identity and reputation validation engine 有权
标题翻译：别名身份和声誉验证引擎
公开(公告)号：US08818882B2
公开(公告)日：2014-08-26
申请号：US12846769
申请日：2010-07-29
申请人： Mark Carlson , Patrick Stan , Patrick Faith , Benjamin Rewis
发明人： Mark Carlson , Patrick Stan , Patrick Faith , Benjamin Rewis
IPC分类号： G06Q30/00
CPC分类号： G06Q30/0609 , G06Q20/10 , G06Q20/385 , G06Q20/40 , G06Q30/02 , G06Q30/06 , G06Q30/0601
摘要： Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually.
摘要翻译：提供了确定信誉信息的方法和系统。该方法包括分析与实体相关联的别名的事务和非事务性信息，并确定该别名的信誉信息。信誉信息可跨多个域传输。用户可以在与该实体进行业务之前请求关于实体的信誉信息。为商家和用户生成信誉信息。该系统可以为在两个或多个别名之间进行的每个交易产生交易风险分数。该系统包括别名身份和信誉验证服务器计算机，其接收来自各种外部系统的输入并基于输入生成信誉信息。此外，每个用户/商家都可以在信誉数据库中管理他的个人资料，并手动输入一些信息。

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