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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Patent number: 11488150Abstract: 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: GrantFiled: August 30, 2018Date of Patent: November 1, 2022Assignee: VISA U.S.A. INC.Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
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Patent number: 11488125Abstract: The AUTOMOBILE MOBILE-INTERACTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMIP”) The AMIP transforms cloud-based wallet and automobile settings into transaction and automobile outputs. In some embodiments, a user may request to connect an electronic wallet account to an automobile interface. Once the user's credentials have been authenticated, the automobile interface may request and receive from a remote server automobile-related and payment-method-related settings. The automobile interface may then configure its settings according to the received information.Type: GrantFiled: May 8, 2019Date of Patent: November 1, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Julian Hua, Robert Rutherford
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Publication number: 20220253832Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.Type: ApplicationFiled: February 16, 2022Publication date: August 11, 2022Inventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
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Patent number: 11410142Abstract: 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: May 7, 2018Date of Patent: August 9, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Barbara Patterson
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Patent number: 11397931Abstract: 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: October 7, 2020Date of Patent: July 26, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
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Patent number: 11354642Abstract: A method for real time negotiation among parties to a transaction may include (1) a computer application executed by a computer processor on a mobile electronic device receiving, from a merchant computer processor at a merchant computer system, an offer to conduct a transaction using a first payment mechanism accepted by the merchant, the offer comprising a first consumer benefit; (2) comparing the first benefit to at least one consumer benefit preference; (3) automatically presenting a second payment mechanism associated with a second consumer benefit or a modification to the first consumer benefit; and (4) agreeing on an agreed payment mechanism and an agreed consumer benefit, wherein the agreed payment mechanism is the first payment mechanism or the second payment mechanism, and the agreed consumer benefit is the first consumer benefit, the second consumer benefit, or the modification to the first consumer benefit.Type: GrantFiled: March 14, 2016Date of Patent: June 7, 2022Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ayman Hammad, William S. Wallace
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Patent number: 11354723Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.Type: GrantFiled: January 11, 2019Date of Patent: June 7, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Vishwanath Shastry, Marc Blum, Ayman Hammad, Edward Katzin, Thomas Purves, Julian Hua
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Patent number: 11288661Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.Type: GrantFiled: June 25, 2018Date of Patent: March 29, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
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Patent number: 11250352Abstract: 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.Type: GrantFiled: October 3, 2019Date of Patent: February 15, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Ayman Hammad
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Patent number: 11250442Abstract: 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.Type: GrantFiled: September 16, 2020Date of Patent: February 15, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ayman Hammad, Mark Carlson
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Patent number: 11232455Abstract: Systems and methods for generating a dynamic verification value for electronic payment transactions are disclosed. A user of a portable consumer device enrolls the account identifier associated with the portable consumer device and specifies one or more customized linkage rules that identify one or more user communication devices and user identifiers that should be used to submit an authentication request message to an entity that generates a dynamic verification value. A server computer that receives an authentication request message determines whether the authentication request message complies with the specified customized linkage rules and generates a dynamic verification value.Type: GrantFiled: August 26, 2019Date of Patent: January 25, 2022Assignee: Visa International Service AssociationInventor: Ayman Hammad
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Publication number: 20210383385Abstract: One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.Type: ApplicationFiled: August 24, 2021Publication date: December 9, 2021Inventor: Ayman Hammad
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Publication number: 20210357919Abstract: 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: ApplicationFiled: July 28, 2021Publication date: November 18, 2021Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
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Publication number: 20210343090Abstract: 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: ApplicationFiled: July 13, 2021Publication date: November 4, 2021Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Patent number: 11132691Abstract: One embodiment of the invention is directed to a system comprising a server and a consumer device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive an authorization request message for a transaction conducted by a consumer with a merchant, send the authorization request message to an issuer, modify an authorization response message to include receipt preference data, and send the authorization response message comprising the receipt data to the merchant, wherein the merchant generates a receipt for the consumer according to the receipt preference data.Type: GrantFiled: May 2, 2016Date of Patent: September 28, 2021Assignee: Visa International Service AssociationInventor: Ayman Hammad
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Publication number: 20210295315Abstract: A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.Type: ApplicationFiled: June 8, 2021Publication date: September 23, 2021Inventors: Ayman Hammad, Patrick FAITH
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Patent number: 11107069Abstract: 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: September 6, 2018Date of Patent: August 31, 2021Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
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Patent number: 11107053Abstract: Systems and methods for validating and processing payment transactions are disclosed. In the embodiments of the invention a first authorization request message and a first verification value are received at a server computer. The verification value is validated and a second authorization request message with a second verification value is generated. The first verification value may be a dynamic value and the second verification value may be static value. The second verification value is associated with portable device used to perform a transaction and it is what the issuer computers of the portable device expect to receive as part of an authorization request message in a payment transaction.Type: GrantFiled: June 20, 2019Date of Patent: August 31, 2021Assignee: Visa International Service AssociateInventor: Ayman Hammad
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Patent number: 11094142Abstract: 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: February 19, 2019Date of Patent: August 17, 2021Assignee: VISA U.S.A. INC.Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Patent number: 11087304Abstract: Systems and methods for device authentication are disclosed. In one embodiment, a method for authenticating a device includes, at a financial institution comprising an acquirer portion, a payment network portion, and an issuer portion: (1) the acquirer portion receiving, from the merchant, a least one mobile device credential and a payment credential that were received electronically from a mobile payment application executed by a mobile electronic device in conjunction with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the issuer portion receiving, via the payment network portion, the mobile device credentials, the payment credentials, and transaction data from the acquirer portion; and (3) at least one computer processor at the issuer portion identifying and authenticating the customer based on the mobile device credentials and the payment credential.Type: GrantFiled: March 14, 2016Date of Patent: August 10, 2021Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Ayman Hammad, Simon Clarke