Patents by Inventor Patrick Faith

Patrick Faith 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: 20190361845
    Abstract: The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA CENTRALIZED PERSONAL INFORMATION DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“CPDB”) transform data aggregated from various computer resources using CPDB components into updated entity profiles and/or social graphs. In one implementation, the CPDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The CPDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the CPDB identifies an entity. The CPDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The CPDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values.
    Type: Application
    Filed: August 5, 2019
    Publication date: November 28, 2019
    Inventors: Patrick Faith, Theodore Harris
  • Publication number: 20190333073
    Abstract: A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.
    Type: Application
    Filed: July 11, 2019
    Publication date: October 31, 2019
    Inventors: Theodore Harris, Patrick Faith
  • Publication number: 20190325454
    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: Application
    Filed: July 5, 2019
    Publication date: October 24, 2019
    Inventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
  • Patent number: 10445401
    Abstract: The present disclosure relates to systems and methods for detecting and identifying anomalies within a discrete wavelet database. In one implementation, the system may include one or more memories storing instructions and one or more processors configured to execute the instructions. The instructions may include instructions to receive a new wavelet, convert the net transaction to a wavelet, convert the wavelet to a tensor using an exponential smoothing average, calculate a difference field between the tensor and a field having one or more previous transactions represented as tensors, perform a weighted summation of the difference field to produce a difference vector, apply one or more models to the difference vector to determine a likelihood of the new wavelet representing an anomaly, and add the new wavelet to the field when the likelihood is below a threshold.
    Type: Grant
    Filed: February 8, 2018
    Date of Patent: October 15, 2019
    Assignee: Deep Labs Inc.
    Inventor: Patrick Faith
  • Publication number: 20190303925
    Abstract: A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
    Type: Application
    Filed: June 17, 2019
    Publication date: October 3, 2019
    Inventors: Theodore Harris, Patrick Faith
  • Patent number: 10430381
    Abstract: The Multi-Source, Multi-Dimensional, Cross-Entity, Multimedia Centralized Personal Information Database Platform Apparatuses, Methods And Systems (“CPDB”) transform data aggregated from various computer resources using CPDB components into updated entity profiles and/or social graphs. Using generated correlations and associated attributes, the CPDB generates an updated profile and social graph of the entity. The CPDB provides the updated profile and social graph for an automated web form filling request.
    Type: Grant
    Filed: February 4, 2013
    Date of Patent: October 1, 2019
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Theodore David Harris
  • Patent number: 10423962
    Abstract: Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.
    Type: Grant
    Filed: August 18, 2017
    Date of Patent: September 24, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Patrick Faith, Kevin P. Siegel, Ayman Hammad
  • Publication number: 20190287104
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Application
    Filed: June 3, 2019
    Publication date: September 19, 2019
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van deloo
  • Patent number: 10410235
    Abstract: Techniques for identifying a user and authenticating payment transactions based on the identification include requesting the user to send his audio, video, and/or image from the point of sale location and comparing the received audio, video, and/or image to an audio/video/image on file to identify and authenticate the user as being the official holder of the payment device being used in the transaction. Once the user is authenticated, the payment processing can be performed using conventional techniques. Some techniques involve use of accelerometer data associated with the user in addition to or in lieu of the audio, video, and/or image data to perform the identification and authentication of the user.
    Type: Grant
    Filed: April 7, 2014
    Date of Patent: September 10, 2019
    Assignee: Visa International Service Association
    Inventor: Patrick Faith
  • Patent number: 10395256
    Abstract: A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.
    Type: Grant
    Filed: May 31, 2012
    Date of Patent: August 27, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Theodore Harris, Patrick Faith
  • Patent number: 10395262
    Abstract: Sensor data analysis may include obtaining video data, detecting facial data within the video data, extracting the facial data from the video data, detecting indicator data within the video data, extracting the indicator data from the video data, transforming the extracted facial data into representative facial data, and determining a mood of the person by associating learned mood indicators derived from other detected facial data with the representative facial data. The analysis may include determining that the representative facial data is associated with a complex profile, and determining a context regarding the person within the environment by weighting and processing the determined mood, at least one subset of data representing information about the person of the complex profile, and the indicator data. The analysis may include determining a user experience for the person, and communicating the determined user experience to a device associated with the person.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: August 27, 2019
    Assignee: Deep Labs Inc.
    Inventors: Patrick Faith, Matthew Quinlan, Scott Edington
  • Publication number: 20190259020
    Abstract: Systems, methods and apparatus for processing enrollment requests are provided. Enrollment requests may be sent from a user to an enrollment server. The enrollment server may verify the information in the enrollment request with entities that may contain authoritative data reflecting the validity of the information in the enrollment request. The authenticity of devices involved in the enrollment request may also be verified. In addition, the user's transaction history can be reviewed to determine if the enrollment fits the user's transaction history profile. Based on the verified information and a level of risk associated with the enrollment, the enrollment server may allow or deny the enrollment request.
    Type: Application
    Filed: February 22, 2019
    Publication date: August 22, 2019
    Inventors: Patrick Faith, Ayman Hammad, Jack Coyne
  • Patent number: 10387885
    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: April 26, 2010
    Date of Patent: August 20, 2019
    Assignee: Visa International Service Association
    Inventors: Mark Carlson, Patrick Stan, Patrick Faith, Ayman Hammad, Ben Rewis
  • Patent number: 10380585
    Abstract: A method for the use of electronic transactional tokens includes: generating a plurality of transactional tokens including a first token; associating each of the transactional tokens with a plurality of users, the first token associated with a first user; monitoring usage of the transactional tokens in a plurality of transactions in a local region or network; and in response to receiving transactional data for the first transaction, updating the first token from a first state to a second state (e.g., to provide a benefit when the token is applied in the local region or network). The tokens may be generated and monitored using a token processing system, which uses transaction data received by a transaction handler that is handling transaction processing for the transactions.
    Type: Grant
    Filed: May 31, 2012
    Date of Patent: August 13, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Theodore Harris, Patrick Faith
  • Publication number: 20190243869
    Abstract: The present disclosure relates to systems and methods for detecting and identifying anomalies within a discrete wavelet database. In one implementation, the system may include one or more memories storing instructions and one or more processors configured to execute the instructions. The instructions may include instructions to receive a new wavelet, convert the net transaction to a wavelet, convert the wavelet to a tensor using an exponential smoothing average, calculate a difference field between the tensor and a field having one or more previous transactions represented as tensors, perform a weighted summation of the difference field to produce a difference vector, apply one or more models to the difference vector to determine a likelihood of the new wavelet representing an anomaly, and add the new wavelet to the field when the likelihood is below a threshold.
    Type: Application
    Filed: February 8, 2018
    Publication date: August 8, 2019
    Inventor: Patrick Faith
  • Publication number: 20190244192
    Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
    Type: Application
    Filed: February 12, 2019
    Publication date: August 8, 2019
    Inventors: Edward Katzin, Julian Hua, Gregory Kenneth Storey, Michael Mori, Abhinav Shrivastava, Amit Bhargava, Andrew Beck, Ayman Hammad, Ben Pfisterer, Diane Salmon, Igor Karpenko, Jennifer Schulz, Miroslav Gavrilov, Peter Ciurea, Patrick Faith, Phillip Kumnick, Saurav Chatterjee, Sebastian Badea, Shaw Li, Shipra Jha, Stacy Pourfallah, Susan French, Tenni Theurer, Theodore Harris, Thomas Purves, Vanita Pandey, Victoria Graham, Prakash Hariramani
  • Publication number: 20190220855
    Abstract: A technique for improving the security of a communication device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the communication device. When the communication device is interacting with a reader device to conduct a transaction, the communication device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.
    Type: Application
    Filed: March 28, 2019
    Publication date: July 18, 2019
    Inventors: Patrick Gauthier, Brian Maw, Patrick Faith, Barbara Patterson
  • Patent number: 10346837
    Abstract: A method for authenticating a consumer for a portable consumer device is disclosed. One embodiment of the invention includes receiving a transaction message relating to a request by a consumer to conduct a transaction using a portable consumer device, wherein the consumer was previously enrolled in an authentication program and the consumer was previously authenticated, analyzing the transaction message to determine if a re-authentication event has taken place, causing a re-authentication message to be sent to the consumer before initiating an authorization request message to the issuer if the re-authentication event has taken place, and initiating the authorization request message to the issuer without sending the re-authentication message to the consumer if the re-authentication event has not taken place.
    Type: Grant
    Filed: November 6, 2007
    Date of Patent: July 9, 2019
    Assignee: Visa U.S.A. Inc.
    Inventors: Kim Steele, Mike Yakel, Kevin Weller, Patrick Faith, Lori D. Van Deloo
  • Publication number: 20190205288
    Abstract: An analytics platform processor-implemented method comprising obtaining a computer-based electronic message including a request for an analytics recommendation including a user identifier. Upon obtaining the electronic message, querying a distributed linking node mesh for entities correlated with the user identifier. Generating a user behavior profile based on the queried entities correlated with the user identifier. Determining a product or service using the user behavior profile. Providing an indication of the product or service to the server in response to the request for the analytics recommendation. Wherein the distributed linking node mesh includes a node representing an observable entity and a node representing a deduced entity derived through aggregating information associated with the user.
    Type: Application
    Filed: March 6, 2019
    Publication date: July 4, 2019
    Inventors: Patrick Faith, Theodore Harris
  • Publication number: 20190188664
    Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.
    Type: Application
    Filed: February 25, 2019
    Publication date: June 20, 2019
    Inventors: Mark Carlson, Surendra Keshan, Patrick Faith