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).

  • Publication number: 20220253832
    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. 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: Application
    Filed: February 16, 2022
    Publication date: August 11, 2022
    Inventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
  • Patent number: 11410142
    Abstract: 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: Grant
    Filed: May 7, 2018
    Date of Patent: August 9, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ayman Hammad, Barbara Patterson
  • Patent number: 11397931
    Abstract: 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: Grant
    Filed: October 7, 2020
    Date of Patent: July 26, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Thomas Purves, Shilpak Mahadkar, Tenni Theurer, Ayman Hammad
  • Patent number: 11354642
    Abstract: 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: Grant
    Filed: March 14, 2016
    Date of Patent: June 7, 2022
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Ayman Hammad, William S. Wallace
  • Patent number: 11354723
    Abstract: 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: Grant
    Filed: January 11, 2019
    Date of Patent: June 7, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Vishwanath Shastry, Marc Blum, Ayman Hammad, Edward Katzin, Thomas Purves, Julian Hua
  • Patent number: 11288661
    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. 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: Grant
    Filed: June 25, 2018
    Date of Patent: March 29, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
  • Patent number: 11250352
    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: Grant
    Filed: October 3, 2019
    Date of Patent: February 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Ayman Hammad
  • Patent number: 11250442
    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: September 16, 2020
    Date of Patent: February 15, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Ayman Hammad, Mark Carlson
  • Patent number: 11232455
    Abstract: 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: Grant
    Filed: August 26, 2019
    Date of Patent: January 25, 2022
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Publication number: 20210383385
    Abstract: 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: Application
    Filed: August 24, 2021
    Publication date: December 9, 2021
    Inventor: Ayman Hammad
  • Publication number: 20210357919
    Abstract: 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: Application
    Filed: July 28, 2021
    Publication date: November 18, 2021
    Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
  • Publication number: 20210343090
    Abstract: 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: Application
    Filed: July 13, 2021
    Publication date: November 4, 2021
    Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
  • Patent number: 11132691
    Abstract: 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: Grant
    Filed: May 2, 2016
    Date of Patent: September 28, 2021
    Assignee: Visa International Service Association
    Inventor: Ayman Hammad
  • Publication number: 20210295315
    Abstract: 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: Application
    Filed: June 8, 2021
    Publication date: September 23, 2021
    Inventors: Ayman Hammad, Patrick FAITH
  • Patent number: 11107069
    Abstract: 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: Grant
    Filed: September 6, 2018
    Date of Patent: August 31, 2021
    Assignee: Visa U.S.A. Inc.
    Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
  • Patent number: 11107053
    Abstract: 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: Grant
    Filed: June 20, 2019
    Date of Patent: August 31, 2021
    Assignee: Visa International Service Associate
    Inventor: Ayman Hammad
  • Patent number: 11094142
    Abstract: 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: Grant
    Filed: February 19, 2019
    Date of Patent: August 17, 2021
    Assignee: VISA U.S.A. INC.
    Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
  • Patent number: 11087304
    Abstract: 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: Grant
    Filed: March 14, 2016
    Date of Patent: August 10, 2021
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Ayman Hammad, Simon Clarke
  • Patent number: 11055704
    Abstract: 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: Grant
    Filed: October 8, 2018
    Date of Patent: July 6, 2021
    Assignee: VISA U.S.A. INC.
    Inventors: Ayman Hammad, Patrick Faith
  • Patent number: 11037138
    Abstract: The THIRD-PARTY VALUE ADDED WALLET FEATURES AND INTERFACES APPARATUSES, METHODS, AND SYSTEMS (“VAW”) facilitates allowing a third party service provider to integrate with an electronic wallet to provide a value-added service to a wallet consumer. The VAW may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.
    Type: Grant
    Filed: June 19, 2017
    Date of Patent: June 15, 2021
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Tenni Theurer, Thomas Purves, Shilpak Mahadkar, Ayman Hammad