Patents by Inventor Brian Triplett
Brian Triplett 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: 10692071Abstract: 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: GrantFiled: January 2, 2019Date of Patent: June 23, 2020Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Brian Triplett, Philip Dixon
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Publication number: 20190139028Abstract: 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: ApplicationFiled: January 2, 2019Publication date: May 9, 2019Inventors: Ayman Hammad, Brian Triplett, Philip Dixon
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Patent number: 10210492Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.Type: GrantFiled: September 15, 2016Date of Patent: February 19, 2019Assignee: VISA U.S.A. INC.Inventors: Zack Fuerstenberg, Ayman Hammad, Brian Triplett, Christopher M. Renton, Michael Stephenson
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Patent number: 10210508Abstract: 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: GrantFiled: October 14, 2016Date of Patent: February 19, 2019Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Brian Triplett, Philip B. Dixon
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Publication number: 20170032359Abstract: 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: ApplicationFiled: October 14, 2016Publication date: February 2, 2017Inventors: Ayman Hammad, Brian Triplett, Philip B. Dixon
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Publication number: 20170004464Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.Type: ApplicationFiled: September 15, 2016Publication date: January 5, 2017Inventors: Zack Fuerstenberg, Ayman Hammad, Brian Triplett, Christopher M. Renton, Michael Stephenson
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Patent number: 9495672Abstract: 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: GrantFiled: April 1, 2014Date of Patent: November 15, 2016Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phillip Dixon, Brian Triplett
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Patent number: 9471915Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.Type: GrantFiled: October 29, 2009Date of Patent: October 18, 2016Assignee: VISA U.S.A., Inc.Inventors: Zack Fuerstenberg, Ayman Hammad, Brian Triplett, Christopher M. Renton, Michael Stephenson
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Publication number: 20140214658Abstract: 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: ApplicationFiled: April 1, 2014Publication date: July 31, 2014Inventors: Ayman Hammad, Phillip Dixon, Brian Triplett
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Patent number: 8733663Abstract: 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: GrantFiled: March 23, 2009Date of Patent: May 27, 2014Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phil Dixon, Brian Triplett
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Patent number: 8688554Abstract: An architecture for 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: GrantFiled: March 23, 2009Date of Patent: April 1, 2014Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phil Dixon, Brian Triplett
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Patent number: 8523060Abstract: A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.Type: GrantFiled: April 21, 2011Date of Patent: September 3, 2013Assignee: Visa International Service AssociationInventor: Brian Triplett
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Publication number: 20110264584Abstract: A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.Type: ApplicationFiled: April 21, 2011Publication date: October 27, 2011Inventor: Brian Triplett
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Patent number: 7950576Abstract: A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.Type: GrantFiled: September 23, 2009Date of Patent: May 31, 2011Assignee: Visa International Service AssociationInventor: Brian Triplett
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Publication number: 20110004548Abstract: A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer.Type: ApplicationFiled: September 14, 2010Publication date: January 6, 2011Applicant: Visa U.S.A., Inc.Inventors: Jonathan Vaux, Brian Triplett, Michael Deyer, Loraine Martin Yeakle, Alistair Duncan, Paulo Fernandes
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Publication number: 20110004552Abstract: A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer.Type: ApplicationFiled: September 15, 2010Publication date: January 6, 2011Applicant: Visa U.S.A., Inc.Inventors: Jonathan Vaux, Brian Triplett, Michael Dreyer, Loraine Martin Yeakle, Alistair Duncan, Paulo Fernandes
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Patent number: 7822679Abstract: A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction.Type: GrantFiled: October 29, 2001Date of Patent: October 26, 2010Assignees: Visa U.S.A. Inc., Visa International Service AssociationInventors: Jonathan Vaux, Brian Triplett, Michael Dreyer, Loraine Martin Yeakle, Alistair Duncan, Paulo Fernandes
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Publication number: 20100224681Abstract: A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for determining a load value loaded on a portable consumer device in a first currency and code for converting at least a portion of the load value to a second currency using an exchange rate associated with the first currency and the second currency, where the exchange rate is associated with a set date. The set date may be a current or future date.Type: ApplicationFiled: September 23, 2009Publication date: September 9, 2010Inventor: Brian Triplett
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Publication number: 20100108755Abstract: A beverage holder apparatus includes a chip unit attached to a beverage holder and adapted to communicate with a chip unit reader to perform a payment transaction to purchase the beverage. The chip unit stores an account identifier associated with a financial account, and transmits the stored account identifier to the chip unit reader to perform the payment transaction.Type: ApplicationFiled: October 29, 2009Publication date: May 6, 2010Inventors: Zack Fuerstenberg, Ayman Hammad, Brian Triplett, Christopher M. Renton, Michael Stephenson
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Publication number: 20090319287Abstract: Methods and systems of authentication segmentation to selectively apply authentication tools to target high risk segments of transactions and entities. The methods and systems identify a plurality of fraud reduction tools and determine segmentation metrics associated with the plurality of fraud reduction tools. One or more segments are determined based on the segmentation metrics using fraud data and the best candidates of the one or more segments is identified. One or more fraud reduction tools is selected that target the best candidates.Type: ApplicationFiled: June 24, 2008Publication date: December 24, 2009Inventors: Ayman Hammad, Khalid El-Awady, Thomas Hardy Jackson, III, Brian Triplett