Patents by Inventor Ayman A. Hammad
Ayman A. Hammad has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240112174Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.Type: ApplicationFiled: December 5, 2023Publication date: April 4, 2024Inventors: Howard SPECTOR, Eric CONNOLLY, John D MOORE, Nancy E HIEBLER, Michael NAGGAR, Ayman A HAMMAD, Tuan DAO, Venkata MARANANI
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Publication number: 20240112163Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.Type: ApplicationFiled: September 30, 2023Publication date: April 4, 2024Applicant: Visa International Service AssociationInventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
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Patent number: 11928669Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.Type: GrantFiled: November 17, 2022Date of Patent: March 12, 2024Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Howard Spector, Eric Connolly, John D Moore, Nancy E Hiebler, Michael Naggar, Ayman A Hammad, Tuan Dao, Venkata Maranani
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Patent number: 11900192Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: October 19, 2020Date of Patent: February 13, 2024Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 11880815Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.Type: GrantFiled: July 6, 2022Date of Patent: January 23, 2024Assignee: Visa International Service AssociationInventors: Ayman Hammad, Barbara Patterson
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Patent number: 11803825Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.Type: GrantFiled: July 19, 2022Date of Patent: October 31, 2023Assignee: Visa International Service AssociationInventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
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Patent number: 11783326Abstract: Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.Type: GrantFiled: July 28, 2021Date of Patent: October 10, 2023Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
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Publication number: 20230306411Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.Type: ApplicationFiled: June 5, 2023Publication date: September 28, 2023Inventors: Tuan DAO, Howard SPECTOR, Craig MULLANEY, Ayman HAMMAD, Stanley M. DeVAN, Soumyajit GHOSH, Sangameswara PANCHOMARTHI
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Patent number: 11727389Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.Type: GrantFiled: June 18, 2018Date of Patent: August 15, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Tuan Dao, Howard Spector, Craig Mullaney, Ayman Hammad, Stanley M. Devan, Soumyajit Ghosh, Sangameswara Panchomarthi
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Patent number: 11715097Abstract: The CLOUD-BASED VIRTUAL WALLET NFC APPARATUSES, METHODS AND SYSTEMS (“EAE”) transform user enhanced security transaction initiation requests using EAE components into time-limited, session-specific transaction bounding tokens. In some implementations, the disclosure provides a processor-implemented method of transforming a transaction bounding token request into transaction bounded tokens and purchase authorizations.Type: GrantFiled: October 14, 2020Date of Patent: August 1, 2023Assignee: Visa International Service AssociationInventor: Ayman Hammad
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Publication number: 20230134620Abstract: A method for providing real-time analytics of time series data is disclosed. The method includes capturing a first set of time series data from a data flow based on a first predetermined time period; parsing the first set of time series data to identify a first key metric; capturing a second set of time series data from the data flow based on a second predetermined time period; parsing the second set of time series data to identify a second key metric, the second key metric corresponding to the first key metric; comparing, in real-time, the second key metric with the first key metric; and identifying, by using a model, an anomaly based on a result of the comparing and a predetermined threshold.Type: ApplicationFiled: October 28, 2021Publication date: May 4, 2023Applicant: JPMorgan Chase Bank, N.A.Inventors: Alan FITZGERALD, Uri KLEIN, Jake SAVOCA, Richard BONDI, Henry CONWAY, Una RYAN, Ayman HAMMAD, Nikita DUTTA, Keefe TAN, Adonis POLYCHRONOPOULOS
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Publication number: 20230133210Abstract: Apparatuses, methods, and systems pertaining to the verification of portable consumer devices for 3-D Secure Systems are disclosed. In one implementation, a verification token is coupled to a computer by a USB connection so as to use the computer's networking facilities. The verification token reads identification information from a user's portable consumer device (e.g., credit card) and sends the information to a validation entry over a communications network using the computer's networking facilities. The validation entity applies one or more validation tests to the information that it receives from the verification token. If a selected number of tests are passed, the validation entity sends a 3-D Secure datum to the verification token. The verification token may enter the 3-D Secure datum into a hidden field of a Purchase Authentication Page appearing on the computer's display.Type: ApplicationFiled: December 23, 2022Publication date: May 4, 2023Applicant: Visa International Service AssociationInventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Publication number: 20230081810Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.Type: ApplicationFiled: November 17, 2022Publication date: March 16, 2023Inventors: Howard SPECTOR, Eric CONNOLLY, John D MOORE, Nancy E HIEBLER, Michael NAGGAR, Ayman A HAMMAD, Tuan DAO, Venkata MARANANI
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Publication number: 20230061605Abstract: A method for fraud detection and management may include a fraud detection computer program: receiving data from a plurality of sources, each data associated with a unique identifier; normalizing the data; modeling the normalized data with a trained machine learning data model; extracting features or attributes from the modeled data; generating one or more sets of weights for the features or attributes; identifying a subset of the features or attributes indicative of fraud based on the weights; enriching the subset of the features or attributes; detecting fraud based on the enriched subset of the features or attributes; and notifying one or more subscribing institutions of a fraud event for the detected fraud based on the validated subset of the features or attributes.Type: ApplicationFiled: August 25, 2022Publication date: March 2, 2023Inventors: Una RYAN, Matthew TAKAMATSU, Uri KLEIN, Jag PHULLAR, Rodrigo PERALTA, Rubina MADHAVAN, Ayman A HAMMAD, Tanmay SALUNKHE
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Publication number: 20230044764Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.Type: ApplicationFiled: July 19, 2022Publication date: February 9, 2023Inventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
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Patent number: 11574312Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a merchant server payment information from a user computer. The merchant server can transmit a verification request to a gateway as well as receive a verification response from the gateway. The merchant server can transmit an authentication request and receive an authentication response. After receiving the authentication response, the merchant server can initiate an authorization process.Type: GrantFiled: June 29, 2018Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Publication number: 20230004957Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.Type: ApplicationFiled: September 13, 2022Publication date: January 5, 2023Applicant: Visa U.S.A. Inc.Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
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Publication number: 20230004947Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.Type: ApplicationFiled: July 6, 2022Publication date: January 5, 2023Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Barbara Patterson
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Patent number: 11544699Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.Type: GrantFiled: August 31, 2018Date of Patent: January 3, 2023Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Howard Spector, Eric L. Connolly, John D. Moore, Nancy E. Hiebler, Michael Naggar, Ayman Hammad, Tuan Dao, Venkat Maranani
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Patent number: 11501581Abstract: A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.Type: GrantFiled: July 13, 2021Date of Patent: November 15, 2022Assignee: VISA U.S.A. INC.Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson