Patents by Inventor Ayman Hammad

Ayman 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).

  • Patent number: 10810598
    Abstract: 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: Grant
    Filed: November 15, 2018
    Date of Patent: October 20, 2020
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Mark Carlson
  • Patent number: 10810594
    Abstract: 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, end the transaction can be access to a facility thereof.
    Type: Grant
    Filed: August 10, 2018
    Date of Patent: October 20, 2020
    Assignee: VISA U.S.A. INC.
    Inventors: Philip Dixon, Ayman Hammad, Khalid El-Awady
  • Patent number: 10796310
    Abstract: A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and prevent the authorization of future transactions that are initiated using those devices. By collecting device data as part of authorization messages and processing that data, devices that are used in fraudulent transactions with different merchants or involving different accounts may be identified and prevented from being the source of future transactions. This prevents future losses and reinforces the integrity of the transaction system.
    Type: Grant
    Filed: June 14, 2016
    Date of Patent: October 6, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10776785
    Abstract: Systems and methods for device authentication are disclosed. In one embodiment, a method may include (1) an acquirer portion receiving a device credential and a payment credential that were received from the payment application in conjunction with a transaction, the acquirer portion further receiving transaction data for the transaction from the merchant; (2) the acquirer portion performing a first validation assessment on the transaction based on the transaction data and first data retrieved from a first data source; (3) the payment network portion performing a second validation assessment on the transaction based on the transaction data and second data retrieved from a second data source; and (4) the issuer portion identifying and authenticating the customer based on the device credential, the payment credential, and at least one of the first validation assessment and the second validation assessment.
    Type: Grant
    Filed: November 28, 2016
    Date of Patent: September 15, 2020
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Ayman Hammad, Simon Clarke
  • Publication number: 20200286055
    Abstract: A system, apparatus, and method for expediting the authorization of an electronic payment transaction. Authorization of a transaction at a node of an authorization network is the result of inferring the trustworthiness of a customer to the transaction using data obtained from a different node of the authorization network. The authorization process is expedited by relying on the previous authentication decision of another node, where the previous decision may have been made based on a different payment device or different user inputs. The invention uses a decision made by a first node in the authorization network as a proxy for the authorization decision at a different node, thereby transferring the trustworthiness of a consumer, consumer's device, payment device, or other aspect of the transaction from the first node to the second.
    Type: Application
    Filed: May 8, 2020
    Publication date: September 10, 2020
    Inventor: Ayman Hammad
  • Patent number: 10755271
    Abstract: A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.
    Type: Grant
    Filed: November 13, 2018
    Date of Patent: August 25, 2020
    Assignee: Visa U.S.A. Inc.
    Inventors: Ayman Hammad, Patrick Faith
  • Patent number: 10748149
    Abstract: Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other.
    Type: Grant
    Filed: December 5, 2016
    Date of Patent: August 18, 2020
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Mark Carlson
  • Patent number: 10713685
    Abstract: Embodiments of the invention are directed to systems, apparatuses, and methods for determining the location of a mobile merchant, and performing further processing based on the determined location. Transaction data for a transaction conducted by a mobile merchant is electronically received at a server computer. The server computer determines a location of the mobile merchant based on the transaction data, and performs further processing based on the location of the mobile merchant.
    Type: Grant
    Filed: June 29, 2018
    Date of Patent: July 14, 2020
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Prakash Prem Hariramani
  • Patent number: 10692071
    Abstract: An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
    Type: Grant
    Filed: January 2, 2019
    Date of Patent: June 23, 2020
    Assignee: Visa U.S.A. Inc.
    Inventors: Ayman Hammad, Brian Triplett, Philip Dixon
  • Patent number: 10685338
    Abstract: A system, apparatus, and method for expediting the authorization of an electronic payment transaction. Authorization of a transaction at a node of an authorization network is the result of inferring the trustworthiness of a customer to the transaction using data obtained from a different node of the authorization network. The authorization process is expedited by relying on the previous authentication decision of another node, where the previous decision may have been made based on a different payment device or different user inputs. The invention uses a decision made by a first node in the authorization network as a proxy for the authorization decision at a different node, thereby transferring the trustworthiness of a consumer, consumer's device, payment device, or other aspect of the transaction from the first node to the second.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: June 16, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10672001
    Abstract: A first embodiment of the present invention relates to systems and methods for determining a priority for a set of alert triggers and performing additional processing based on the determined priority. In some embodiments, additional processing may include generating and sending of alert messages. In other embodiments, additional processing may further include determining that the generating and sending of alert messages are to be delayed until a later time. In yet other embodiments, additional processing may include determining that no alert message is to be generated and sent. A second embodiment of the present invention relates to systems and methods for dynamically selecting a delivery channel and generating an alert message for the selected delivery channel. In some embodiments, the alert message may be formatted based on the selected delivery channel. According to one embodiment, the alert message may be generated based on a compact protocol format.
    Type: Grant
    Filed: December 26, 2018
    Date of Patent: June 2, 2020
    Assignee: Visa International Service Association
    Inventors: Ayman Hammad, Mark Carlson
  • Patent number: 10657528
    Abstract: Methods, secure elements, validation entities, and computer program products for effecting secure communication of payment information to merchants for Internet-based purchases. Payment information for a user's real payment information is installed in a secure element of a computer, the payment information may comprise a pseudo PAN number for the portable consumer device provided by a validation entity. The secure element is shielded from the computer's operating system to thwart hacker attacks. The user accesses the secure element to make a purchase. In response, the secure element contacts the validation entity with the pseudo account number, and in response obtains dynamic payment information that the secure element can used to effect the payment. The dynamic payment information comprises an account number that is different from the pseudo PAN, and which has at least one difference which respect to the user's real payment information.
    Type: Grant
    Filed: August 31, 2016
    Date of Patent: May 19, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Publication number: 20200151690
    Abstract: Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
    Type: Application
    Filed: January 16, 2020
    Publication date: May 14, 2020
    Applicant: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10650371
    Abstract: A provisioning system for enabling a mobile communication device to operate as a financial presentation device (FPD) presentable to providers of goods or service is provided. The provisioning system relies on a transaction processing system that normally routes authorization requests from merchants to issuers of FPDs for purposes of authorizing FPD transactions. The transaction processing system stores security keys of all issuers in order to validate transaction data sent from the merchants. The provisioning system monitors authorization requests routed through the transaction processing system and retrieves an authorization request of a financial transaction initiated with a particular FPD. The provisioning system then transmits the FPD data contained in the retrieved authorization request and the security key stored in the transaction processing system to a secure memory element of the mobile communication device to enable the mobile communication device to operate as a FPD.
    Type: Grant
    Filed: July 24, 2019
    Date of Patent: May 12, 2020
    Assignee: Visa U.S.A. Inc.
    Inventor: Ayman Hammad
  • Patent number: 10586227
    Abstract: 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. Payment information and VAS data can also be provided based on location. A request for payment information can be received. A location can be determined, and a merchant associated with the location can also be determined. Payment information and/or VAS data can be selected based on the merchant and/or location, and can be provided for a payment transaction.
    Type: Grant
    Filed: April 28, 2015
    Date of Patent: March 10, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Uzma Makhdumi, Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson
  • Patent number: 10586229
    Abstract: Systems and method for producing, validating, and registering authentic verification tokens are disclosed. Such systems and methods include generating verification token specific key pairs. The key pairs can be signed by a verification token manufacturer master key or public key certificate for an additional level of authenticity. Related methods and systems for authenticating and registering authorized verification token manufacturers are also disclosed. Once a verification token manufacturer is authenticated, it can be assigned a manufacturer-specific key pair or certificate and in some cases, a predetermined set of serial numbers to assign to the verification tokens it produces. Each serial number can be used to generate a verification token specific key pair specific to the associated verification token. One component of the verification token key pair can be stored to the verification token.
    Type: Grant
    Filed: July 8, 2013
    Date of Patent: March 10, 2020
    Assignee: Visa International Service Association
    Inventors: Simon Hurry, Ayman Hammad
  • Patent number: 10572864
    Abstract: Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
    Type: Grant
    Filed: June 9, 2017
    Date of Patent: February 25, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Patent number: 10552842
    Abstract: 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.
    Type: Grant
    Filed: July 5, 2019
    Date of Patent: February 4, 2020
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
  • Patent number: 10552828
    Abstract: Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
    Type: Grant
    Filed: January 26, 2016
    Date of Patent: February 4, 2020
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Publication number: 20200034753
    Abstract: 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: Application
    Filed: October 3, 2019
    Publication date: January 30, 2020
    Inventor: Ayman Hammad