Patents by Inventor Khalid El-Awady
Khalid El-Awady 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: 20220405745Abstract: Machines with credentials having multiple sensors can be authenticated and allowed a level of access to perform tasks based on the credential and a blockchain network or blockchain based platform using authenticatable values provided by the machines' sensor data, log data, location data. Requests for service can be managed by the blockchain based platform based on authentication values from the machine.Type: ApplicationFiled: August 22, 2022Publication date: December 22, 2022Applicant: Car IQ, Inc.Inventors: Sterling PRATZ, Orang Ryan TABIBIAN, George William MELVIN, Khalid EL-AWADY, Mark McCabe
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Publication number: 20220374905Abstract: A system and method are disclosed that prevent fraudulent transactions involving a machine and a machine account. The system and method generate a profile for a machine and continuously identify and validate the machine to allow a machine account to be used for conducting transactions. The system and method use information or data provided by the machine for authentication. The data provided by the machine includes any combination of sensor data, historical data, activity data, location data, transaction data and any other data related to the machine and its actions. The machine sends or initiates requests for transactions. The requests are analyzed and allowed to be completed or the requests are declined.Type: ApplicationFiled: February 7, 2022Publication date: November 24, 2022Applicant: Car IQ, Inc.Inventors: Orang Ryan TABIBIAN, Khalid EL-AWADY, George William MELVIN, Sterling PRATZ
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Publication number: 20220374895Abstract: A system and method are disclosed that generate a profile for a machine and continuously identify and validate the machine to allow a machine to be associated with a machine account for conducting transactions. The system and method use information or data provided by the machine for authentication. The data provided by the machine includes any combination of sensor data, historical data, activity data, location data, transaction data and any other data related to the machine and its actions. The machine sends or initiates requests for transactions. The requests are analyzed and allowed to be completed or the requests are declined.Type: ApplicationFiled: February 7, 2022Publication date: November 24, 2022Applicant: Car IQ, Inc.Inventors: Sterling PRATZ, Orang Ryan TABIBIAN, Khalid EL-AWADY, George William MELVIN
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Patent number: 11501581Abstract: 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: July 13, 2021Date of Patent: November 15, 2022Assignee: VISA U.S.A. INC.Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, 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: 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: 10810594Abstract: 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: GrantFiled: August 10, 2018Date of Patent: October 20, 2020Assignee: VISA U.S.A. INC.Inventors: Philip Dixon, Ayman Hammad, Khalid El-Awady
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Publication number: 20190180518Abstract: 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: February 19, 2019Publication date: June 13, 2019Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Patent number: 10249101Abstract: 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: July 30, 2014Date of Patent: April 2, 2019Assignee: VISA U.S.A INC.Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Publication number: 20180349907Abstract: At each of a plurality of point of sale terminals (PCS) 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: ApplicationFiled: August 10, 2018Publication date: December 6, 2018Inventors: Phil Dixon, Ayman Hammad, Khalid El-Awady
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Patent number: 10055735Abstract: 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, and the transaction can be access to a facility thereof.Type: GrantFiled: March 1, 2007Date of Patent: August 21, 2018Assignee: VISA U.S.A., INC.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
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Patent number: 9373115Abstract: Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline processing by initiating operation of the prepaid product, receiving data from the prepaid product at the reader that indicates the prepaid product is associated with a prepaid account balance, determining that the prepaid product is in a negative balance condition, and taking preventive action in response to the negative balance condition such that future acceptance of the prepaid product at a reader is prevented.Type: GrantFiled: April 9, 2014Date of Patent: June 21, 2016Assignee: Visa U.S.A. Inc.Inventors: Philip B Dixon, Ayman Hammad, Khalid El-Awady
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Publication number: 20160104164Abstract: Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline processing by initiating operation of the prepaid product, receiving data from the prepaid product at the reader that indicates the prepaid product is associated with a prepaid account balance, determining that the prepaid product is in a negative balance condition, and taking preventive action in response to the negative balance condition such that future acceptance of the prepaid product at a reader is prevented.Type: ApplicationFiled: December 18, 2015Publication date: April 14, 2016Inventors: Philip B. Dixon, Ayman Hammad, Khalid El-Awady
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Patent number: 9311643Abstract: At each of a plurality of merchant Point Of Service terminals (POS), for each of a plurality of consumers, where each consumer seeks to conduct a transaction with the merchant for a good or service by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data can include an identifier for an account issued by an issuer. The consumer is permitted to receive the good or service from the merchant prior to validating the account with the issuer. Transaction information for each transaction is stored during a predetermined aggregation criteria, such as time period, number of transactions, monetary volume, etc., into an aggregation set of said transactions. During the predetermined aggregation criteria, an evaluation is made, by communication with the corresponding issuer, whether the accounts in the aggregation set of transactions are valid.Type: GrantFiled: February 25, 2013Date of Patent: April 12, 2016Assignee: Visa U.S.A. Inc.Inventors: Philip B. Dixon, Khalid El-Awady
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Patent number: 9256875Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: GrantFiled: January 30, 2015Date of Patent: February 9, 2016Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
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Publication number: 20150154602Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: ApplicationFiled: January 30, 2015Publication date: June 4, 2015Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
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Publication number: 20150127540Abstract: Described is processing for requested user access, starting with receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for the requested access. The transaction data from the gate access device is processed and a fee amount for the requested access is determined. The processing next involves determining an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and reconciling the determined account balance and account data associated with the portable consumer device at a processing computer of the access agency such that the access request is indicated as either approved or declined.Type: ApplicationFiled: October 7, 2014Publication date: May 7, 2015Inventors: Khalid El-Awady, Philip B. Dixon
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Patent number: 8973818Abstract: Each portable payment device associated with a single account within a payment processing system is distinguished using track data. The track data from the portable payment device is read at each of a plurality of merchant point of sale terminals (POS). Rather than relying on the PAN alone, a merchant may utilizes the track data, or a proxy thereof, as the unique identifier for the portable payment device. The merchant may then process transactions involving the portable payment device based on the unique identifier. For example, in the transit environment the transit fare for each rider with different portable payment devices but the same account can be calculated using the unique identifier, such as the full track data read from both tracks of the corresponding portable payment devices.Type: GrantFiled: August 1, 2012Date of Patent: March 10, 2015Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
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Publication number: 20150025946Abstract: 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 30, 2014Publication date: January 22, 2015Inventors: Ayman Hammad, Philip Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Patent number: 8881971Abstract: Described is processing for requested user access, starting with receiving transaction data from a portable consumer device presented by the user at a gate access device of an access agency for the requested access. The transaction data from the gate access device is processed and a fee amount for the requested access is determined. The processing next involves determining an account balance in accordance with the determined fee amount and a prior balance amount associated with the portable consumer device, and reconciling the determined account balance and account data associated with the portable consumer device at a processing computer of the access agency such that the access request is indicated as either approved or declined.Type: GrantFiled: October 9, 2009Date of Patent: November 11, 2014Assignee: Visa U.S.A. Inc.Inventors: Khalid El-Awady, Philip B. Dixon