Patents by Inventor Patrick L. Faith
Patrick L. 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).
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Patent number: 11900192Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: October 19, 2020Date of Patent: February 13, 2024Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 11004056Abstract: As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.Type: GrantFiled: December 27, 2011Date of Patent: May 11, 2021Assignee: Visa International Service AssociationInventors: Ayman Hammad, Patrick L. Faith
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Patent number: 10977641Abstract: A user may utilize an electronic telecommunications device comprising a wireless communications device to bind a first user device and a second user device. The user can insert the first user device into the electronic telecommunications device and enter authentication information. The first user device and the second user device can be bound over a wireless network enabled by the wireless communications device without requiring any sensitive account information to be entered by the user.Type: GrantFiled: April 15, 2016Date of Patent: April 13, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Patrick L. Faith, Karen Windus, Cesar Otero, Jeffrey Gill, Maria-Elena Carlson
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Patent number: 10943248Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.Type: GrantFiled: August 23, 2019Date of Patent: March 9, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Mark Carlson, Patrick L. Faith
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Publication number: 20210035087Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: ApplicationFiled: October 19, 2020Publication date: February 4, 2021Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 10846682Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: March 24, 2016Date of Patent: November 24, 2020Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 10580005Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.Type: GrantFiled: April 21, 2015Date of Patent: March 3, 2020Assignee: VISA U.S.A. INC.Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
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Publication number: 20190378156Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.Type: ApplicationFiled: August 23, 2019Publication date: December 12, 2019Inventors: Mark Carlson, Patrick L. Faith
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Patent number: 10430818Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.Type: GrantFiled: November 29, 2016Date of Patent: October 1, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Mark Carlson, Patrick L. Faith
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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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Patent number: 10275762Abstract: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.Type: GrantFiled: May 2, 2018Date of Patent: April 30, 2019Assignee: VISA U.S.A. INC.Inventors: Patrick L. Faith, Ayman Hammad
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Publication number: 20180253720Abstract: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.Type: ApplicationFiled: May 2, 2018Publication date: September 6, 2018Inventors: Patrick L. Faith, Ayman Hammad
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Patent number: 9996833Abstract: There is provided a mobile subscriber unit for a financial transaction token. The subscriber unit interfaces with a financial token or card that is in communication with the subscriber unit. The financial token or card has an onboard energy source so that the card token may operate away from proximity to a merchant terminal (e.g.; a POS terminal). In one implementation, the onboard power storage device includes a rechargeable battery or capacitor such as a thin-film capacitor that stores sufficient energy to power the subscriber unit's onboard electronics and/or the electronics of a financial token in communication with the subscriber unit. The subscriber unit may be a component of another consumer device such as a computing device, communications device, an item of clothing, an item of jewelry, a cell phone, a PDA, an identification card, a money holder, a wallet, a purse, a briefcase, or a personal organizer.Type: GrantFiled: April 14, 2014Date of Patent: June 12, 2018Assignee: VISA U.S.A. INC.Inventors: Patrick L. Faith, Ayman Hammad
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Publication number: 20170076313Abstract: A method and system for providing geographic location notifications for targeted offers is disclosed. One embodiment of the invention is directed to a method including monitoring for an event to trigger a targeted offer. Upon detection of the event, the offer is generated. The offer is targeted to a consumer and is generated using payment data generated in response to transactions conducted by the consumer with a plurality of different merchants. A geographic location for redeeming the offer is determined. A notification message is generated about the offer. The notification message includes the offer and the geographic location for redeeming the offer. The notification message is sent to a notification device which is operated by the consumer. A graphical depiction of the offer is displayed on a map on the notification device.Type: ApplicationFiled: November 29, 2016Publication date: March 16, 2017Inventors: Mark Carlson, Patrick L. Faith
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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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Publication number: 20160307183Abstract: A user may utilize an electronic telecommunications device comprising a wireless communications device to bind a first user device and a second user device. The user can insert the first user device into the electronic telecommunications device and enter authentication information. The first user device and the second user device can be bound over a wireless network enabled by the wireless communications device without requiring any sensitive account information to be entered by the user.Type: ApplicationFiled: April 15, 2016Publication date: October 20, 2016Inventors: Patrick L. FAITH, Karen WINDUS, Cesar OTERO, Jeffrey GILL, Maria-Elena CARLSON
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Publication number: 20160204660Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: ApplicationFiled: March 24, 2016Publication date: July 14, 2016Inventors: Patrick L. Faith, Ayman A. Hammad
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Patent number: 9324071Abstract: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.Type: GrantFiled: March 20, 2008Date of Patent: April 26, 2016Assignee: Visa U.S.A. Inc.Inventors: Patrick L. Faith, Ayman A. Hammad
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Publication number: 20150227936Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.Type: ApplicationFiled: April 21, 2015Publication date: August 13, 2015Inventors: Belva J. Bruesewitz, Nancy Hilgers, Patrick L. Faith, Kevin Paul Siegel, Xiaoli Li, Krishna Prasad Koganti, Craig O'Connell
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Publication number: 20140330675Abstract: Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information is transferrable across multiple domains. A user can request the reputation information about an entity prior to doing business with that entity. The reputation information is generated for merchants as well as users. The system can generate transaction risk score for every transaction to be conducted between two or more aliases. The system includes an alias identity and reputation validation server computer that receives inputs from various external systems and generated reputation information based on the inputs. Additionally, every individual user/merchant can manage his profile within the reputation database and enter some information manually.Type: ApplicationFiled: July 18, 2014Publication date: November 6, 2014Inventors: Mark Carlson, Patrick Stan, Patrick L. Faith, Benjamin Rewis