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).

  • Pre-authorization of a transaction using predictive modeling
    Patent number: 8352315
    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: May 4, 2010
    Date of Patent: January 8, 2013
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Kevin P. Siegel, Ayman Hammad
  • Encryption switch processing
    Patent number: 8332325
    Abstract: A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention is directed to a method comprising receiving, at a payment processing network, a request to establish a secure communications channel between a consumer device and the payment processing network. Upon establishing a secure communications channel with the consumer device, the payment processor network receives non-financial electronic content from a merchant at the payment processing network where the non-financial electronic content is selected at the merchant by a user associated with the consumer device. The non-financial electronic content is sent to the consumer device from the payment processing network via the secure communications channel between the consumer device and the payment processing network.
    Type: Grant
    Filed: November 2, 2010
    Date of Patent: December 11, 2012
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Kris Koganti, Ayman Hammad, Ben Rewis
  • LOCAL USAGE OF ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM
    Publication number: 20120310838
    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: May 31, 2012
    Publication date: December 6, 2012
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Theodore Harris, Patrick Faith
  • REPUTATION MANAGEMENT IN A TRANSACTION PROCESSING SYSTEM
    Publication number: 20120310831
    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: May 31, 2012
    Publication date: December 6, 2012
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Theodore Harris, Patrick Faith
  • PAYMENT TRANSACTION USING MOBILE PHONE AS RELAY
    Publication number: 20120310832
    Abstract: Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.
    Type: Application
    Filed: June 11, 2012
    Publication date: December 6, 2012
    Inventors: Ayman Hammad, Patrick Faith
  • MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS
    Publication number: 20120303425
    Abstract: The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs.
    Type: Application
    Filed: February 3, 2012
    Publication date: November 29, 2012
    Inventors: Edward Katzin, Phillip L. Kumnick, Theodore David Harris, Patrick Faith, Jennifer A. Schulz
  • Verification of portable consumer device for 3-D secure services
    Patent number: 8313022
    Abstract: 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: Grant
    Filed: January 10, 2012
    Date of Patent: November 20, 2012
    Inventors: Ayman Hammad, Patrick Faith, Krishna Prasad Koganti, Ben Rewis, Brendan Xavier Louis, Kevin Weller, Benedicto Hernandez Dominguez
  • USING MIX-MEDIA FOR PAYMENT AUTHORIZATION
    Publication number: 20120278155
    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: Application
    Filed: March 28, 2012
    Publication date: November 1, 2012
    Inventor: Patrick Faith
  • CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS
    Publication number: 20120271660
    Abstract: The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS (“CSF”) transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.
    Type: Application
    Filed: March 2, 2012
    Publication date: October 25, 2012
    Inventors: Theodore D. Harris, Patrick Faith
  • MANAGING ELECTRONIC TOKENS IN A TRANSACTION PROCESSING SYSTEM
    Publication number: 20120271770
    Abstract: A method for the use of electronic transactional tokens includes: generating transactional tokens including a first token; associating each of the transactional tokens with one of a group of users; monitoring usage of the transactional tokens in a multitude of transactions by the users; and responsive to the monitoring, updating the first token from a first state to a second state. 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: April 19, 2012
    Publication date: October 25, 2012
    Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Theodore Harris, Patrick Faith
  • Auto activation of a mobile device
    Patent number: 8284048
    Abstract: Embodiments of the invention are directed to apparatuses, systems, and methods for automatically activating a consumer device using a sensor capable of detecting an external stimulus and location determination system capable of providing current location data for the consumer device when a user receives a device. The location determination system provides location data, which is sent to the activation server, in response to the sensor actuating. The location data determined at the time the sensor senses the external stimuli is compared to location data stored on the activation server to automatically activate the consumer device.
    Type: Grant
    Filed: March 22, 2011
    Date of Patent: October 9, 2012
    Assignee: Visa International Service Association
    Inventor: Patrick Faith
  • Input device with an accelerometer
    Patent number: 8260269
    Abstract: Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices.
    Type: Grant
    Filed: November 24, 2010
    Date of Patent: September 4, 2012
    Assignee: Visa International Service Association
    Inventors: Patrick Faith, Mark Carlson, Ayman Hammad
  • METHOD AND SYSTEM FOR MANAGING DATA AND ENABLING PAYMENT TRANSACTIONS BETWEEN MULITPLE ENTITIES
    Publication number: 20120215693
    Abstract: A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing network server computer. The network-enabled server facilitates transactions between one or more merchants and users by a managing data flow and interactions between the merchants and the users, providing storage area for storing of all transaction related documents, and providing seamless integration with a payment processing network for payment processing.
    Type: Application
    Filed: February 17, 2012
    Publication date: August 23, 2012
    Inventors: Patrick Faith, Mark Carlson, Theodore D. Harris
  • OBSERVABLE MOMENT ENCRYPTION
    Publication number: 20120198518
    Abstract: A method, system and apparatus for encrypting a consumer identification number contained in a portable consumer device by gradually changing a consumer identification number when an observable moment is observed is disclosed. Observable moments can be exposure to light or an electromagnetic field, use of the portable consumer device or a change in temperature. A pattern or history of how the consumer identification number is gradually changed is used to authenticate the portable consumer device or the consumer.
    Type: Application
    Filed: April 10, 2012
    Publication date: August 2, 2012
    Inventors: Patrick Faith, Mark Carlson
  • Payment transaction using mobile phone as relay
    Patent number: 8219490
    Abstract: Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile communication device from a merchant. They send the transaction information with the mobile communication device to an issuer associated with the mobile communication device. The issuer thereafter sends an authorization response message to the merchant.
    Type: Grant
    Filed: October 24, 2008
    Date of Patent: July 10, 2012
    Assignee: Visa U.S.A., Inc.
    Inventors: Ayman Hammad, Patrick Faith
  • DEVICE INCLUDING AUTHENTICATION GLYPH
    Publication number: 20120166341
    Abstract: A method is disclosed. It includes displaying, by a device, an authentication image including a plurality of image elements comprising a set of image elements, wherein the image elements in the set of image elements are located at a set of positions on a display screen. The method also comprises receiving, at the device, a glyph having a configuration corresponding to the set of image elements from a user while the authentication image is displayed. The method further comprises determining if the glyph is authentic, and initiating a payment transaction after receiving the glyph.
    Type: Application
    Filed: March 5, 2012
    Publication date: June 28, 2012
    Inventors: Patrick Faith, Ayman Hammad, Mark Carlson
  • CONSUMER AUTHENTICATION SYSTEM AND METHOD
    Publication number: 20120158591
    Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.
    Type: Application
    Filed: January 17, 2012
    Publication date: June 21, 2012
    Inventors: Ayman Hammad, Patrick Faith, Mark Carlson
  • Systems and Methods for Secure and Transparent Cardless Transactions
    Publication number: 20120150744
    Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.
    Type: Application
    Filed: January 25, 2012
    Publication date: June 14, 2012
    Inventors: Mark Carlson, Surendra Keshan, Patrick Faith
  • METHOD AND SYSTEM FOR GENERATING A DYNAMIC VERIFICATION VALUE
    Publication number: 20120136735
    Abstract: A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.
    Type: Application
    Filed: November 30, 2011
    Publication date: May 31, 2012
    Inventors: Ayman Hammad, Patrick Faith, Christian Aabye, Jagdeep Singh Sahota
  • Cardless Challenge Systems and Methods
    Publication number: 20120123882
    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 allowing 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: January 25, 2012
    Publication date: May 17, 2012
    Inventors: Mark Carlson, Surendra Keshan, Patrick Faith