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21. 发明公开

EP3234889A1 AN INTERFACE, SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING THE TRANSFER OF ELECTRONIC MESSAGES 审中-公开
标题翻译：用于控制电子信息传递的界面，系统，方法和计算机程序产品
公开(公告)号：EP3234889A1
公开(公告)日：2017-10-25
申请号：EP15784115.6
申请日：2015-10-14
申请人： IPCO 2012 LIMITED
发明人： GARLICK, Steven George , MASTERS, Neil Antony
IPC分类号： G06Q20/02 , G06Q20/30 , G06Q20/38
CPC分类号： G06Q20/108 , G06Q20/027 , G06Q20/30 , G06Q20/3825 , G06Q20/3827
摘要： The present invention provides an interface for controlling the transfer of electronic messages between a financial institution and a transaction processing system for processing the messages, wherein the financial institution is connected to the transaction processing system via a data communications network, the interface comprising communication circuitry operable to receive an electronic message issued by the financial institution; and processing circuitry operable to determine whether the format of the electronic message conforms to a predetermined standard necessary for processing of the electronic message; and in the event that the format of the electronic message does conform to the predetermined standard, the communication circuitry is further operable to transmit the electronic message over the network for storage in a message queue unit associated with the transaction processing system; and in the event that the format of the electronic message does not conform to the predetermined standard, the communication circuitry is operable to return the electronic message to the financial institution.
摘要翻译：本发明提供一种用于控制金融机构与用于处理消息的交易处理系统之间的电子消息传送的接口，其中金融机构经由数据通信网络连接到交易处理系统，该接口包括可操作的通信电路接收金融机构发出的电子讯息; 以及处理电路，用于确定所述电子消息的格式是否符合处理所述电子消息所需的预定标准; 并且在电子消息的格式符合预定标准的情况下，通信电路还可操作以通过网络发送电子消息以存储在与交易处理系统相关联的消息队列单元中; 并且在电子消息的格式不符合预定标准的情况下，通信电路可操作以将电子消息返回给金融机构。

22. 发明授权

EP2605204B1 Method and system for generating a dynamic verification value 有权转让
标题翻译：用于生成动态验证值的方法和系统
公开(公告)号：EP2605204B1
公开(公告)日：2017-06-28
申请号：EP13151933.2
申请日：2004-08-18
申请人： Visa International Service Association
发明人： Sahota, Jagdeep Singh , Aabye, Christian
IPC分类号： G06Q20/40 , G07F7/10 , G06Q20/30
CPC分类号： G06Q20/4018 , G06Q20/10 , G06Q20/20 , G06Q20/341 , G06Q20/388 , G06Q20/401 , G06Q20/4093 , G07F7/1008

23. 发明公开

EP3036697A4 MECHANISM FOR SECURE IN-VEHICLE PAYMENT TRANSACTION 审中-公开
标题翻译： EEREM FAHRZEUG中的VERFAHRENFÜRGESICHERTE ZAHLUNGSTRANSAKTIONEN
公开(公告)号：EP3036697A4
公开(公告)日：2017-01-11
申请号：EP14838568
申请日：2014-08-22
申请人： VISA INT SERVICE ASS
发明人： GADDAM AJIT , PRAKASH GYAN , AISSI SELIM
IPC分类号： G06Q20/32 , G06Q20/30
CPC分类号： G06Q20/327 , G06Q20/322 , G06Q20/40 , G07B15/063
摘要： Embodiments use a vehicle as a payment instrument to complete a payment transaction. A vehicle interface device (VID) coupled to the vehicle is used for transmitting payment account information to a merchant access device. The VID may be registered to the specific vehicle identification number (VIN) of the vehicle. Prior to transmitting the payment account information to the merchant access device, the VID may ensure that a mobile communication device is within the vehicle and/or that the VID is coupled to the correct vehicle. For example, the VID may compare the VIN of the vehicle to the VIN that is programmed to the VID. When the colocation of the VID with the mobile communication device and/or the correct vehicle is confirmed, the VID may forward payment account information to the merchant access device.
摘要翻译：实施例使用车辆作为支付工具来完成支付交易。耦合到车辆的车辆接口设备（VID）用于将付款帐户信息传送到商家访问设备。 VID可以被注册到车辆的特定车辆识别号码（VIN）。在将付款账户信息发送到商家访问装置之前，VID可以确保移动通信装置在车辆内和/或VID耦合到正确的车辆。例如，VID可以将车辆的VIN与编程为VID的VIN进行比较。当VID与移动通信设备和/或正确的车辆的托管被确认时，VID可以将付款帐户信息转发到商家访问设备。

24. 发明公开

EP3036697A1 MECHANISM FOR SECURE IN-VEHICLE PAYMENT TRANSACTION 审中-公开
标题翻译：方法用在车辆安全的支付交易
公开(公告)号：EP3036697A1
公开(公告)日：2016-06-29
申请号：EP14838568.5
申请日：2014-08-22
申请人： Visa International Service Association
发明人： GADDAM, Ajit , PRAKASH, Gyan , AISSI, Selim
IPC分类号： G06Q20/32 , G06Q20/30
CPC分类号： G06Q20/327 , G06Q20/322 , G06Q20/40 , G07B15/063
摘要： Embodiments use a vehicle as a payment instrument to complete a payment transaction. A vehicle interface device (VID) coupled to the vehicle is used for transmitting payment account information to a merchant access device. The VID may be registered to the specific vehicle identification number (VIN) of the vehicle. Prior to transmitting the payment account information to the merchant access device, the VID may ensure that a mobile communication device is within the vehicle and/or that the VID is coupled to the correct vehicle. For example, the VID may compare the VIN of the vehicle to the VIN that is programmed to the VID. When the colocation of the VID with the mobile communication deviceand/or the correct vehicle is confirmed, the VID may forward payment account information to the merchant access device.

25. 发明公开

EP2973324A1 AUTOMATED SERVICE SYSTEM WITH USER'S AUTOMATIC IDENTIFICATION 审中-公开
标题翻译：具有自动用户识别自动维护系统
公开(公告)号：EP2973324A1
公开(公告)日：2016-01-20
申请号：EP14859292.6
申请日：2014-08-21
申请人： Localiza Rent a Car S.A.
发明人： WAGNER TEIXEIRA CAMPOS, Alberto , GONTIJO LEAL, Gustavo
IPC分类号： G06Q30/06 , G06Q30/00 , G06Q10/02 , G06Q50/30 , G06K9/20 , G06K9/00 , G06Q20/30
CPC分类号： G06Q30/0645 , G06K9/00288 , G06K9/00442 , G06Q10/02 , G06Q20/18 , G06Q20/206 , G06Q20/40145 , G06Q50/10 , G07C9/00158 , G07C9/00166
摘要： The present invention makes reference to an automated service system with automatic user' s identification involving a self-service terminal (1) equipped with facial biometric recognition system with frontal camera (4), aforementioned camera is composed by an outer body for the frontal camera, flat surface coupled to such body; an image capturing device (digital camera or digitalizing scanner), LED light (Light Emitting Diode) for internal illumination of the camera, polarizing filters to adjust the camera internal illumination. The invention also makes reference to the automated service process with automatic user's identification.

26. 发明公开

EP2962261A1 METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC TRANSACTIONS AND MANAGING VEHICLE COSTS 审中-公开
标题翻译：方法和系统进行处理电子交易和管理车辆的费用
公开(公告)号：EP2962261A1
公开(公告)日：2016-01-06
申请号：EP14756400.9
申请日：2014-02-14
申请人： MasterCard International Incorporated
发明人： OWEN, Trevor Scott
IPC分类号： G06Q20/30 , G06Q50/30 , G06Q20/40
CPC分类号： G06Q20/06 , G06Q20/3224 , G06Q20/401
摘要： A computer-implemented method for performing an electronic transaction over a payment network system is provided. The transaction is initiated by a cardholder using a cardholder computer device in communication with a merchant computer device of a merchant, wherein the cardholder computer device is associated with a vehicle. The method includes receiving first merchant data at the cardholder computer device when the vehicle is located within a predetermined distance of the merchant computer device. The cardholder is prompted to select a purchase item from first merchant data. The method includes transmitting purchase data including at least one of an account data and a purchase item data to the merchant computer device, wherein the merchant computer device is configured to generate a payment authorization request message. The cardholder computer device receives a confirmation message in response to the authorization request message.

27. 发明公开

EP2803024A4 FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS 审中-公开
标题翻译：方法，装置及系统的银行卡使用条形码用于确定交易细节
公开(公告)号：EP2803024A4
公开(公告)日：2015-07-15
申请号：EP13735715
申请日：2013-01-11
申请人： MASTERCARD INTERNATIONAL INC
发明人： LYONS GARRY , BROWN DAVID , ATKINS MICHAEL CLAY , CUMMINS ORAN , MARTIN DANIEL
IPC分类号： G06Q20/40 , G06Q20/30 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/30 , G06Q20/3276 , G06Q20/3278 , G06Q20/385

28. 发明公开

EP2482242A4 ELECTRONIC PAYMENT METHOD, SYSTEM, SERVER AND PROGRAM FOR SAME 审中-公开
标题翻译：电子支付方法和系统，服务器和程序THEREFOR
公开(公告)号：EP2482242A4
公开(公告)日：2013-09-25
申请号：EP10818807
申请日：2010-09-22
申请人： NIPPON TELEGRAPH & TELEPHONE
发明人： FUJII HARUHIKO
IPC分类号： G06Q20/00 , G06Q20/02 , G06Q20/10 , G06Q20/16 , G06Q20/20 , G06Q20/30 , G06Q20/32 , G06Q20/36 , G06Q20/40 , G06Q20/42
CPC分类号： G06Q20/322 , G06Q20/027 , G06Q20/10 , G06Q20/1085 , G06Q20/16 , G06Q20/20 , G06Q20/305 , G06Q20/32 , G06Q20/3223 , G06Q20/363 , G06Q20/4014 , G06Q20/40145 , G06Q20/4018 , G06Q20/42

29. 发明公开

EP2528014A2 Transferring information by optically scanning variable patterns displayed on a graphical display device 审中-公开
标题翻译：的通过光学地扫描的信息传输被显示在图形显示可变图案，
公开(公告)号：EP2528014A2
公开(公告)日：2012-11-28
申请号：EP12168906.1
申请日：2012-05-22
申请人： Jenton International Limited
发明人： Little, Richard , Atkinson, John , Sion, Russell , Smith, Toby
IPC分类号： G06K7/10 , G07B15/00 , G06Q20/30
CPC分类号： G06Q20/3276 , G06K7/1095
摘要： The invention describes a means for presenting variable information contained within a variable pattern displayed on a device with a graphical display capability, such as a liquid crystal display (11) for example, wherein the device presents the information by generating graphical patterns (12) that contain information, such as a two-dimensional barcode (12) for example. The information presented by the display (11) can then be transferred to another device such as a mobile phone (13) for example, by optical scanning of the pattern presented by the graphical display device.
摘要翻译：本发明描述了用于呈现包含显示与图形显示能力，颜色的装置上的可变图案内的可变信息：诸如液晶显示器（11）对于实施例，worin装置呈现通过生成图形图案的信息（12）做包含的信息，检查作为二维条形码（12）构成。由所述显示器（11）提供的信息可以传输到另一装置：诸如移动电话（13）对于实施例，通过由图形显示装置所呈现的图案的光学扫描。

30. 发明公开

EP1656600A4 METHOD AND SYSTEM FOR GENERATING A DYNAMIC VERIFICATION VALUE 有权转让
标题翻译： VERFAHREN UND系统ZUR ERZEUGUNG EINES DYNAMISCHEN VERIFIKATIONSWERTS
公开(公告)号：EP1656600A4
公开(公告)日：2012-11-14
申请号：EP04781493
申请日：2004-08-18
申请人： VISA INT SERVICE ASS
发明人： SAHOTA JAGDEEP SINGH , AABYE CHRISTIAN
IPC分类号： G06Q20/40 , G06F20060101 , G06Q20/30 , G07F7/10
CPC分类号： G06Q20/4018 , G06Q20/10 , G06Q20/20 , G06Q20/341 , G06Q20/388 , G06Q20/401 , G06Q20/4093 , G07F7/1008

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