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).
-
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
-
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
-
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
-
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
-
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
-
Publication number: 20210035087Abstract: 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: ApplicationFiled: October 19, 2020Publication date: February 4, 2021Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 10846682Abstract: 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: March 24, 2016Date of Patent: November 24, 2020Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 10055735Abstract: At each of a plurality of point of sale terminals (POS) of a merchant, for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service at a cost by using a payment device issued by an issuer in a payment system, data is read from a payment device. The data can include an identifier for an account issued by an issuer. Information is stored for each transaction and the consumer is permitted to receive the good or service from the merchant. After the consumer has received the good or service, a batch of the transaction are processed to derive there from the respective costs that are assessable to the respective accounts, where the merchant can be a transit system, the consumer a rider thereon, and the transaction can be access to a facility thereof.Type: GrantFiled: March 1, 2007Date of Patent: August 21, 2018Assignee: VISA U.S.A., INC.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
-
Publication number: 20160204660Abstract: 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: ApplicationFiled: March 24, 2016Publication date: July 14, 2016Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 9324071Abstract: 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: March 20, 2008Date of Patent: April 26, 2016Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 9256875Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: GrantFiled: January 30, 2015Date of Patent: February 9, 2016Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
-
Publication number: 20150154602Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: ApplicationFiled: January 30, 2015Publication date: June 4, 2015Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
-
Patent number: 8973818Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: GrantFiled: August 1, 2012Date of Patent: March 10, 2015Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
-
Patent number: 8733632Abstract: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.Type: GrantFiled: June 22, 2007Date of Patent: May 27, 2014Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 8589300Abstract: Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.Type: GrantFiled: June 11, 2012Date of Patent: November 19, 2013Assignee: Visa U.S.A. Inc.Inventors: Ayman A. Hammad, Patrick Lee Faith
-
Patent number: 8517279Abstract: A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.Type: GrantFiled: June 11, 2012Date of Patent: August 27, 2013Assignee: Visa U.S.A. Inc.Inventors: Nicole Janine Granucci, Carrie Elaine Vriheas, Ayman A. Hammad
-
Patent number: 8448852Abstract: At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, each seeking access to a facility of the transit system by using a payment device issued by an issuer in a payment system, data is read from the payment device, where the data includes an identifier for an account issued by an issuer. For each such access, a communication including the identifier is addressed to a network address of a system remote from the payment processing system and each of POS terminals. A response to the communication is received including information regarding whether access is granted based upon the identifier being on a list keep by the remote system. If access is granted, the rider is permitted access to the facility and the payment device is unchanged for the fare.Type: GrantFiled: March 1, 2007Date of Patent: May 28, 2013Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
-
Patent number: 8429085Abstract: 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: June 22, 2007Date of Patent: April 23, 2013Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
-
Patent number: 8408454Abstract: A card can be used to make a payment or to gain access to a secure facility. The card embeds a chip, a passive circuit, and an antennae that receives frequencies upon which the chip executes corresponding payment and access applications. The passive circuit powers the chip upon being energized by an external circuit that emits the frequencies. The card docks into a card dock having a user interface. The user interface has buttons which, when particularly engaged, permits reception of one of the frequencies that energizes the passive circuit to power the chip for the execution of the corresponding application.Type: GrantFiled: September 16, 2008Date of Patent: April 2, 2013Assignee: Visa U.S.A. Inc.Inventor: Ayman A. Hammad
-
Publication number: 20130024305Abstract: A system, method and prepaid payment card configured to display a current card balance on the prepaid payment card. The prepaid payment card receives a balance request from a button on the card. After retrieving the current card balance encoded on the prepaid payment card, the card displays the current card balance. Remote terminals may be configured to support the real-time display of a balance on a prepaid payment card by writing the current balance to the card after a payment transaction has occurred.Type: ApplicationFiled: June 11, 2012Publication date: January 24, 2013Inventors: Nicole Janine Granucci, Carrie Elaine Vriheas, Ayman A. Hammad