Patents by Inventor Ben Rewis
Ben Rewis 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: 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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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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Patent number: 10824207Abstract: A server computer determines, based on interaction data, that the first device and the second device are to be paired with each other. After pairing the first device and the second device, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list).Type: GrantFiled: August 22, 2018Date of Patent: November 3, 2020Assignee: Visa International Service AssociationInventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Krishna Prasad Koganti
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Patent number: 10552842Abstract: 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: GrantFiled: July 5, 2019Date of Patent: February 4, 2020Assignee: Visa International Service AssociationInventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
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Publication number: 20190325454Abstract: 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: ApplicationFiled: July 5, 2019Publication date: October 24, 2019Inventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
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Patent number: 10387885Abstract: 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: GrantFiled: April 26, 2010Date of Patent: August 20, 2019Assignee: Visa International Service AssociationInventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
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Patent number: 10380571Abstract: Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.Type: GrantFiled: August 12, 2016Date of Patent: August 13, 2019Assignee: Visa International Service AssociationInventors: Mark Carlson, Patrick Stan, Ayman Hammad, Ben Rewis, Patrick L. Faith
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Publication number: 20180364770Abstract: A server computer determines, based on interaction data, that the first device and the second device are to be paired with each other. After pairing the first device and the second device, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list).Type: ApplicationFiled: August 22, 2018Publication date: December 20, 2018Inventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Krishna Prasad Koganti
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Publication number: 20180308095Abstract: 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: ApplicationFiled: June 29, 2018Publication date: October 25, 2018Inventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Patent number: 10095276Abstract: Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices.Type: GrantFiled: November 23, 2010Date of Patent: October 9, 2018Assignee: Visa International Service AssociationInventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Kris Koganti
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Patent number: 10043186Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.Type: GrantFiled: August 29, 2017Date of Patent: August 7, 2018Assignee: 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: 20180005238Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a computer with a verification token associated with a computer can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.Type: ApplicationFiled: August 29, 2017Publication date: January 4, 2018Inventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Patent number: 9792611Abstract: Methods and systems pertaining secure transaction systems are disclosed. In one implementation, a verification token is associated with a computer and can send user authentication data as well as a secure datum to a control server. The verification token may obtain the secure datum from a validation entity. The control server can validate the secure datum and authentication data and can generate a payer authentication response.Type: GrantFiled: June 5, 2015Date of Patent: October 17, 2017Assignee: 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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Patent number: 9710802Abstract: Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.Type: GrantFiled: April 26, 2010Date of Patent: July 18, 2017Assignee: Visa International Service AssociationInventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
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Publication number: 20170186001Abstract: Techniques for eliminating the need for merchants and acquirers to conduct Payment Card Industry (“PCI”) security audit procedures are provided. Merchants and acquirers can eliminate the operating expenses associated with conducting audits to ensure compliance with PCI Data Security Standards (“DSS”), while at the same time ensuring that cardholders' data remains secure, thus protecting the cardholders from fraudulent transactions. System security is further enhanced through the use of per transaction audits, with the scope of the audit being directly between the Point of Sale (POS) terminal and the payment processing network. PCI DSS compliance can thus be assured on a per transaction basis, as opposed to only ensuring compliance generally for a merchant or acquirer on a periodic basis. Per transaction PCI DSS compliance is assured, while at the same time eliminating the need for merchants or acquirers to conduct compliance audits.Type: ApplicationFiled: March 13, 2017Publication date: June 29, 2017Inventors: Judson Reed, Patrick Faith, Ben Rewis
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Patent number: 9633351Abstract: Techniques for eliminating the need for merchants and acquirers to conduct Payment Card Industry (“PCI”) security audit procedures are provided. Merchants and acquirers can eliminate the operating expenses associated with conducting audits to ensure compliance with PCI Data Security Standards (“DSS”), while at the same time ensuring that cardholders' data remains secure, thus protecting the cardholders from fraudulent transactions. System security is further enhanced through the use of per transaction audits, with the scope of the audit being directly between the Point of Sale (POS) terminal and the payment processing network. PCI DSS compliance can thus be assured on a per transaction basis, as opposed to only ensuring compliance generally for a merchant or acquirer on a periodic basis. Per transaction PCI DSS compliance is assured, while at the same time eliminating the need for merchants or acquirers to conduct compliance audits.Type: GrantFiled: November 4, 2010Date of Patent: April 25, 2017Assignee: Visa International Service AssociationInventors: Judson Reed, Patrick Faith, Ben Rewis
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Publication number: 20160350736Abstract: Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.Type: ApplicationFiled: August 12, 2016Publication date: December 1, 2016Inventors: Mark Carlson, Patrick Stan, Ayman Hammad, Ben Rewis, Patrick L. Faith
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Patent number: 9449327Abstract: Embodiments of the present invention disclosed herein include systems and methods for sending merchant alert messages. The merchant can specify criteria indicating the types of customers for which he desires to receive alerts. Merchant alert messages can be sent based on characteristics of a customer, including the customer's proximity to the merchant. The merchant can use the alert message to provide better service to the customer or prevent the customer from engaging in transactions, depending on the contents of the merchant alert message.Type: GrantFiled: April 26, 2010Date of Patent: September 20, 2016Assignee: Visa International Service AssociationInventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
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Publication number: 20150379515Abstract: 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: June 5, 2015Publication date: December 31, 2015Inventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
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Patent number: 9176543Abstract: Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to gain access into a secured or restricted area. A first device and a second device interact by making physical contact with each other thereby generating interaction data that is representative of the physical interaction between the first and second device. The first and second device may be mobile phones. The second device may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A server computer determines, based on interaction data, that the first device and the second device made physical contact. After determining that the first device and the second device made contact, communications may be initiated between the devices.Type: GrantFiled: July 23, 2014Date of Patent: November 3, 2015Assignee: Visa International Service AssociationInventors: Patrick Faith, Mark Carlson, Ayman Hammad, Ben Rewis, Krishna Prasad Koganti