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2. 发明公开

EP3408817A1 DETECTING UNAUTHORIZED USAGE 无效
公开(公告)号：EP3408817A1
公开(公告)日：2018-12-05
申请号：EP17743484.2
申请日：2017-01-28
申请人： Xard Group Pty Ltd
发明人： WILSON, Robert
IPC分类号： G06Q20/34
CPC分类号： G07F7/0853 , G06Q20/12 , G06Q20/3278 , G06Q20/341 , G06Q20/3552 , G06Q20/3572 , G06Q20/3574 , G06Q20/3672 , G06Q20/3674 , G06Q20/3823 , G07F7/0846
摘要： The present invention relates to at least a digital transaction apparatus including a Data Assistance Device (DAD) including, a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC, the DTC and/or DAD operable to detect whether the digital transaction is authorised, and/or, the DTC and/or DAD operable to detect whether a digital operation is authorised, wherein a digital operation is characterised as a communication of data and/or instructions between a DAD and a DTC, and a digital transaction is characterised as a communication of data and/or instructions between a DTC and a digital transaction device.

3. 发明公开

EP3267382A1 METHOD AND DEVICE FOR PROCESSING ELECTRONIC CURRENCY 审中-公开
标题翻译：处理电子货币的方法和装置
公开(公告)号：EP3267382A1
公开(公告)日：2018-01-10
申请号：EP16758477.0
申请日：2016-03-02
申请人： Shanghai Luluyou Information Technology Co. Ltd.
发明人： CHEN, Rong
IPC分类号： G06Q20/36
CPC分类号： G06Q20/10 , G06Q20/027 , G06Q20/1235 , G06Q20/34 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/38215 , G06Q20/3825 , G06Q20/3827 , G06Q20/4014 , G06Q20/405 , G06Q2220/00 , H04L9/3213 , H04L9/3247 , H04L2209/56
摘要： A method and a device for processing electronic money realize control for payment and circulation of electronic money. The method comprises: dividing electronic money in a user account into one or more monetary units (S11); determining a unit identifier for at least one of the one or more monetary units through encoding processing (S12); and establishing account status information corresponding to the user account (S13).
摘要翻译：处理电子货币的方法和装置实现对电子货币支付和流通的控制。该方法包括：将用户账户中的电子货币划分为一个或多个货币单位（S11）; 通过编码处理确定所述一个或多个货币单位中的至少一个货币单位的单位标识符（S12）; 并建立该用户账号对应的账号状态信息（S13）。

4. 发明公开

EP3261041A1 METHOD, APPARATUS AND SYSTEM FOR WRITING CARD ACTIVATION DATA 审中-公开
标题翻译：用于写入卡片激活数据的方法，装置和系统
公开(公告)号：EP3261041A1
公开(公告)日：2017-12-27
申请号：EP17171104.7
申请日：2017-05-15
申请人： Beijing Xiaomi Mobile Software Co., Ltd.
发明人： ZHU, Yifan , CHEN, Yang , XU, Lina
IPC分类号： G06Q20/34 , G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/3278 , G06K19/07703 , G06Q20/204 , G06Q20/322 , G06Q20/3227 , G06Q20/341 , G06Q20/352 , G06Q20/3672 , G06Q20/40
摘要： Method, apparatus and system for writing card activation data are provided, which belongs to computer technology. The method comprises: creating (201) a first background thread during corresponding operations before card activation with a UI thread; obtaining (202) a first part of data which is required in the card activation from a server with the first background thread; writing (202) the first part of data to the SE chip; creating (203) a second background thread, a after the corresponding operations before the card activation have been accomplished with the UI thread and it is confirmed to activate the card; and writing (203) a second part of data required in the card activation to the SE chip by the second background thread, wherein the first part of data and the second part of data are the data associated with the card activation which is required to write to the SE chip.
摘要翻译：提供了写卡激活数据的方法，装置和系统，属于计算机技术领域。该方法包括：在用UI线程激活卡之前的对应操作期间创建（201）第一后台线程; 从具有第一后台线程的服务器获得（202）卡激活中所需的第一部分数据; 将（202）数据的第一部分写入SE芯片; 创建（203）第二后台线程，在用UI线程完成卡激活之前的对应操作之后，并且确认激活卡; 以及由所述第二后台线程将所述卡激活中所需的第二部分数据写入（203）所述第二后台线程，其中所述第一部分数据和所述第二部分数据是与写入所需的所述卡激活相关的数据到SE芯片。

5. 发明公开

EP3257005A1 ONLINE FORM FILL FOR TOKENIZED CREDENTIALS 审中-公开
标题翻译：在线表格填充提示凭证
公开(公告)号：EP3257005A1
公开(公告)日：2017-12-20
申请号：EP16749892.2
申请日：2016-02-11
申请人： Mastercard International Incorporated
发明人： CATELAND, Axel
IPC分类号： G06Q20/36
CPC分类号： H04L63/08 , G06Q20/204 , G06Q20/3223 , G06Q20/3672 , G06Q20/383 , G06Q2220/00 , H04L63/0807 , H04L2463/102
摘要： A request may be received for a transaction. In response to the request, a nonce value may be generated. A cryptographic key may be used to cryptographically process a payment token with the nonce value to produce a security code. The payment token, the nonce value and the security code may be transmitted together as payment credentials. In some cases, the nonce value may be in the format for a payment account expiration date.

6. 发明公开

EP3203425A1 SECURE CONTACTLESS CARD EMULATION 审中-公开
标题翻译：安全非接触卡仿真
公开(公告)号：EP3203425A1
公开(公告)日：2017-08-09
申请号：EP17154608.8
申请日：2017-02-03
申请人： Accenture Global Solutions Limited
发明人： Veerasangappa Kadi, Viresh , Kumarappan, Manigandan
IPC分类号： G06Q20/10 , G06Q20/32 , G06Q20/34
CPC分类号： G06Q20/352 , G06F21/606 , G06Q20/20 , G06Q20/3278 , G06Q20/3552 , G06Q20/3574 , G06Q20/3672 , G06Q20/3829 , G06Q20/40975 , G06Q2220/00 , H04L63/0869
摘要： A device may detect a trigger to perform a contactless transaction. The trigger may relate to the device being within a threshold proximity of a point of sale device. The device may provide a dynamic card identifier associated with the device based on detecting the trigger to perform the contactless transaction. The device may exchange data, with the point of sale device after providing the dynamic card identifier, to perform a mutual authentication to establish a secure session. The data may be encrypted based on a dynamic diversified key associated with the dynamic card identifier. The dynamic card identifier and the dynamic diversified key may be valid for a threshold period of time and may be invalid after the threshold period of time. The device may perform the contactless transaction via the secure session based on exchanging the data to perform the mutual authentication to establish the secure session.
摘要翻译：设备可以检测到执行非接触式事务的触发器。该触发可以涉及设备在销售点设备的临近阈值内。该设备可以基于检测触发以执行非接触式交易来提供与设备相关联的动态卡标识符。设备可以在提供动态卡标识符之后与销售点设备交换数据以执行相互认证以建立安全会话。数据可以基于与动态卡标识符相关联的动态多样化密钥来加密。动态卡标识符和动态多样化密钥可以在阈值时间段有效并且可以在阈值时间段之后无效。设备可以基于交换数据来执行经由安全会话的非接触式交易以执行相互认证以建立安全会话。

7. 发明公开

EP3158520A1 MANAGEMENT OF RELOADABLE CREDENTIALS ON AN ELECTRONIC DEVICE USING AN ONLINE RESOURCE 审中-公开
标题翻译：上的电子装置中使用ONLINE资源管理可再充电的特权
公开(公告)号：EP3158520A1
公开(公告)日：2017-04-26
申请号：EP15715017.8
申请日：2015-03-18
申请人： Apple Inc.
发明人： HURLEY, Timothy, S. , KHAN, Ahmer, A. , DICKER, George, R. , SHARP, Christopher
IPC分类号： G06Q20/32 , G06Q20/36
CPC分类号： G06Q20/40 , G06Q20/108 , G06Q20/3223 , G06Q20/3229 , G06Q20/3672 , G06Q20/382 , H04L63/08
摘要： Systems, methods, and computer-readable media for using an online resource to manage reloadable credentials on an electronic device are provided. In one example embodiment, a method, at an electronic device, includes, inter alia, receiving selection data via an online resource, where the selection data may be indicative of a particular credential applet stored on a secure element of the electronic device, in response to the receiving the selection data, accessing validation data from the particular credential applet on the secure element, transmitting initialization results comprising the accessed validation data to a remote subsystem associated with the online resource, in response to the transmitting, receiving reload data from the remote subsystem, and adjusting a balance of the particular credential applet based on the received reload data. Additional embodiments are also provided.
摘要翻译：系统，方法，以及使用在线资源来管理电子设备增值的凭据的计算机可读介质提供。在一个示例实施例中，一种方法，在以电子设备，包括，除其他外，通过接收关于在线资源，其中，所述选择数据可以指示存储在电子设备的响应的安全元件上的特定小应用程序的凭证的选择数据于接收所述选择数据，从安全元件上的特定小应用程序的凭证访问验证数据，传输初始化的结果所访问的验证数据包括与所述在线资源相关联的远程子系统，响应于所述发送，从所述远程接收reloadData 子系统，以及基于所接收到的reloadData特定凭证小程序的一个平衡。因此，提供附加的实施例。

8. 发明公开

EP3028229A4 ENABLING PAYMENTS TO BE PROCESSED BY ONLY ONE MERCHANT 审中-公开
标题翻译：仅由一名经销商支付处理费用
公开(公告)号：EP3028229A4
公开(公告)日：2016-08-10
申请号：EP14832730
申请日：2014-07-25
申请人： VISA INT SERVICE ASS
发明人： BADENHORST CORNELIUS JOHANNES
IPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/38 , G06Q40/02
CPC分类号： G06Q20/3672 , G06Q20/12 , G06Q20/3674 , G06Q20/385 , G06Q20/401 , G06Q20/405 , G06Q40/02 , G06Q2220/00

9. 发明授权

EP1751908B1 PERSONAL COMMUNICATION APPARATUS CAPABLE OF RECORDING TRANSACTIONS SECURED WITH BIOMETRIC DATA 有权转让
标题翻译：与录制的能力随着生物特征数据担保交易的个人通信设备
公开(公告)号：EP1751908B1
公开(公告)日：2016-07-13
申请号：EP05739730.9
申请日：2005-05-04
申请人： Koninklijke Philips N.V.
发明人： WEI, Gongming , LI, Feng , LUITJENS, Steven, B. , HE, Darwin , YOU, Wenying , FONTIJN, Wilhelmus, F., J.
IPC分类号： H04L9/00
CPC分类号： G06F21/32 , G06F21/6209 , G06F2221/2101 , G06Q20/32 , G06Q20/367 , G06Q20/3672 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/40145 , H04L9/0866 , H04L9/3231 , H04L2209/56 , H04L2209/80

10. 发明公开

EP3014547A1 CLOSED-LOOP STORED VALUE PAYMENT INSTRUMENT BROKERAGE 审中-公开
标题翻译： MEMORY支付工具在闭环PLACEMENT
公开(公告)号：EP3014547A1
公开(公告)日：2016-05-04
申请号：EP14817198.6
申请日：2014-06-23
申请人： Amazon Technologies, Inc.
发明人： PLASTER, Thomas, Willard , BISHOP, Scott, Kenneth , FUHRMANN, Joshua, Kassoy , LAIRD, Eric, Michael , NORWOOD, Jonathan, Blair
IPC分类号： G06Q30/00
CPC分类号： G06Q20/08 , G06Q20/3433 , G06Q20/354 , G06Q20/3558 , G06Q20/3672 , G07F17/42
摘要： Closed-loop stored value payment instruments may be issued, sold and managed on behalf of a merchant through a third party electronic commerce system. Upon purchase of a closed-loop stored value payment instrument through the third party electronic commerce system, a payment aggregator may be notified of the purchase and the closed-loop stored-value payment instrument may be activated. A printer or other manufacturer may also be notified of the purchase so that a closed-loop stored value payment instrument embodied in a physical card, may be created on demand in response to the purchase and then shipped to the purchasing customer on behalf of the merchant.

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