Patents by Inventor Phil Dixon
Phil Dixon 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: 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: 9704087Abstract: An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.Type: GrantFiled: December 11, 2008Date of Patent: July 11, 2017Assignee: Visa USA Inc.Inventors: Ayman Hammad, Phil Dixon
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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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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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Patent number: 8827156Abstract: A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).Type: GrantFiled: July 10, 2013Date of Patent: September 9, 2014Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phil Dixon
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Patent number: 8825517Abstract: 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: October 1, 2008Date of Patent: September 2, 2014Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phil Dixon, Khalid El-Awady, Patrick Faith, Mark Carlson
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Patent number: 8746556Abstract: At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility 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. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system.Type: GrantFiled: April 29, 2013Date of Patent: June 10, 2014Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman Hammad, Khalid El-Awady
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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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Publication number: 20140008433Abstract: A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).Type: ApplicationFiled: July 10, 2013Publication date: January 9, 2014Applicant: VISA U.S.A. INC.Inventors: Ayman Hammad, Phil Dixon
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Publication number: 20130339243Abstract: At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, where each rider seeks access into a facility of the transit facility 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. For each such access, a communication including the account is addressed to a network address of a system remote from the payment processing system and remote from each of POS terminals. A response to the communication is received that includes information as to the validation of the access based upon the account being on a list keep by remote system. When the received information contains the validation of the access, the rider is permitted access to the facility of the transit system and the payment device is unchanged for the fare of the access to the facility of the transit system.Type: ApplicationFiled: April 29, 2013Publication date: December 19, 2013Applicant: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman Hammad, Khalid El-Awady
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Patent number: 8523069Abstract: A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).Type: GrantFiled: September 28, 2006Date of Patent: September 3, 2013Assignee: Visa U.S.A. Inc.Inventors: Ayman Hammad, Phil Dixon
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Patent number: 8448852Abstract: At each of a plurality of point of sale terminals (POS) of a transit system, for each of a plurality of riders, each seeking access to a facility of the transit system by using a payment device issued by an issuer in a payment system, data is read from the payment device, where the data includes an identifier for an account issued by an issuer. For each such access, a communication including the identifier is addressed to a network address of a system remote from the payment processing system and each of POS terminals. A response to the communication is received including information regarding whether access is granted based upon the identifier being on a list keep by the remote system. If access is granted, the rider is permitted access to the facility and the payment device is unchanged for the fare.Type: GrantFiled: March 1, 2007Date of Patent: May 28, 2013Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady
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Patent number: 8427317Abstract: An apparatus and method is provided to shield contactless portable electronic consumer devices such as radio frequency identification devices (RFID), tokens, mini-cards, key fobs, cellular phones, smartcards, etc. from wireless interrogation. In one embodiment, a contactless portable consumer device which includes a first antenna is shielded from unauthorized wireless interrogation with a radio frequency (RF) shield. The RF shield includes electrically conductive, non-ferromagnetic material and is configured to prevent unauthorized data transfer between a second antenna external to the portable consumer device and the first antenna.Type: GrantFiled: November 18, 2008Date of Patent: April 23, 2013Assignee: Visa U.S.A.Inventors: Ayman Hammad, Phil Dixon
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Patent number: 8412640Abstract: At each of a plurality of transit readers of a transit system, for each of a plurality of riders, where each rider seeks to conduct an access transaction with the transit system for access into the transit facility by using a payment device issued by an issuer in a payment system, data is read from the payment device. The data includes an encryption code that uniquely corresponds to the payment device and was created by the issuer using one or more encryption keys and a predetermined algorithm. A check will be performed, remotely and/or locally, of one or more lists of other encryption codes to determine if the encryption code is on the list. On the basis of whether the encryption code is on the list, the rider is permitted access to the facility of the transit system. The payment device need not be changed for the rider's fare. Decryption of the encryption code read from the payment device is not required to complete the access transaction.Type: GrantFiled: September 16, 2010Date of Patent: April 2, 2013Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Ayman Hammad, William Alexander Thaw, Christian Aabye
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Patent number: 8407082Abstract: 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: March 1, 2007Date of Patent: March 26, 2013Assignee: Visa U.S.A. Inc.Inventors: Phil Dixon, Khalid El-Awady
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Patent number: 8376227Abstract: A system and method for facilitating the payment and collection of transit system fares using a mobile device utilizes a smart sign including near field communication (NFC) devices that communicate with a contactless element embedded within a mobile wireless device. Each NFC device is associated with a different transit location. The NFC devices may be included on the same smart sign located at one transit location or on different smart signs located at different transit locations. Alternatively, one NFC device may be included on a smart sign at a departure location and another NFC device may be activated when or after the user enters the transit system to provide proof of fare purchase. The mobile device is positioned proximate the NFC devices to activate the NFC devices and access fare and/or schedule information or purchase a fare.Type: GrantFiled: January 17, 2012Date of Patent: February 19, 2013Inventors: Ayman Hammad, Phil Dixon
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Publication number: 20120296710Abstract: 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.Type: ApplicationFiled: August 1, 2012Publication date: November 22, 2012Inventors: Phil Dixon, Ayman A. Hammad, Khalid El-Awady