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11. 发明申请

WO2017048917A1 VERIFICATION FOR PAYMENT TRANSACTIONS 审中-公开
标题翻译：付款交易验证
公开(公告)号：WO2017048917A1
公开(公告)日：2017-03-23
申请号：PCT/US2016/051880
申请日：2016-09-15
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： COLLINGE, Mehdi , SMETS, Patrik
IPC分类号： G06Q20/32 , G06Q20/36 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/4014 , G06Q20/32 , G06Q20/3224 , G06Q20/3227 , G06Q20/327 , G06Q20/36 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/401 , G06Q20/4016 , G06Q20/409
摘要： A method is described for providing user authentication and user consent for a transaction made with a payment device. A user authentication step is taken to verify that a user is entitled to use the payment device, and a user consent step is taken to verify that the user consents to the transaction. The user authentication step is discrete from the user consent step. A payment device adapted to perform this method is also described.
摘要翻译：描述了一种用于为通过支付设备进行的交易提供用户认证和用户同意的方法。采用用户认证步骤来验证用户有权使用支付设备，并且采用用户同意步骤来验证用户同意交易。用户认证步骤与用户同意步骤是离散的。还描述了适于执行该方法的支付装置。

12. 发明申请

WO2017030303A1 ELECTRONIC DEVICE AND USER AUTHENTICATION METHOD THEREOF 审中-公开
标题翻译：电子设备及其认证方法
公开(公告)号：WO2017030303A1
公开(公告)日：2017-02-23
申请号：PCT/KR2016/008455
申请日：2016-08-01
申请人： SAMSUNG ELECTRONICS CO., LTD.
发明人： KIM, In Ho , OH, Seung Won , LEE, Yong Wan , CHANG, Moon Soo
IPC分类号： G06Q20/38 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/40145 , G06Q20/3224 , G06Q20/3674 , G06Q20/38215 , G06Q20/3829
摘要： An electronic device is provided. The electronic device includes a communication module, a memory configured to store payment information registered in a payment application, and a processor. The processor is configured to select at least one of a plurality of authentication servers based on the payment information, receive authentication information from the at least one authentication server by using the communication module, select at least one payment information of the payment information registered in the payment application based on a user input, select first authentication information, which corresponds to the selected payment information, from among the authentication information, and send second authentication information, which is generated based on the selected first authentication information, to the at least one authentication server corresponding to the selected first authentication information.
摘要翻译：提供电子设备。电子设备包括通信模块，被配置为存储登记在支付应用中的支付信息的存储器和处理器。所述处理器被配置为基于所述支付信息来选择多个认证服务器中的至少一个，通过使用所述通信模块接收来自所述至少一个认证服务器的认证信息，选择至少一个登记在所述认证服务器中的支付信息的支付信息基于用户输入的支付应用，从所述认证信息中选择与所选择的支付信息相对应的第一认证信息，并且将基于所选择的第一认证信息生成的第二认证信息发送到所述至少一个认证服务器对应于所选择的第一认证信息。

13. 发明申请

WO2017001431A1 A METHOD OF GENERATING A BANK TRANSACTION REQUEST FOR A MOBILE TERMINAL HAVING A SECURE MODULE 审中-公开
标题翻译：为具有安全模块的移动终端生成银行交易请求的方法
公开(公告)号：WO2017001431A1
公开(公告)日：2017-01-05
申请号：PCT/EP2016/065060
申请日：2016-06-28
申请人： OBERTHUR TECHNOLOGIES OF AMERICA CORP , ELHAOUSSINE, Mehdi , LASSOUAOUI, Eric , TRAISNEL, Julien
发明人： ELHAOUSSINE, Mehdi , LASSOUAOUI, Eric , TRAISNEL, Julien
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/3227 , G06Q20/3223 , G06Q20/3226 , G06Q20/327 , G06Q20/3672 , G06Q20/3674 , G06Q20/382 , G06Q20/38215 , G06Q20/3829 , G06Q20/401 , G06Q2220/00
摘要： The invention provides a method of generating a bank transaction request and a mobile payment terminal hosting a payment application using a secure token for the transaction request and including a secure module. The method comprises the payment application executing a payment protocol with a trader application in order to generate the transaction request, and the payment application requesting an authorization cryptogram from an encryption application hosted in the secure module for verifying authorization of the transaction request in compliance with the payment protocol. The invention also provides the mobile terminal hosting the payment application and including a secure module hosting the encryption application.
摘要翻译：本发明提供了一种生成银行交易请求的方法和使用用于交易请求的安全令牌并且包括安全模块托管支付应用的移动支付终端。该方法包括支付应用程序与交易者应用程序执行支付协议以便生成交易请求，并且支付应用程序从承载在安全模块中的加密应用程序请求授权密码，以验证交易请求的授权是否符合支付协议。本发明还提供托管支付应用的移动终端，并且包括承载加密应用的安全模块。

14. 发明申请

WO2016195764A1 SECURE AUTHORIZATIONS USING INDEPENDENT COMMUNICATIONS AND DIFFERENT ONE-TIME-USE ENCRYPTION KEYS FOR EACH PARTY TO A TRANSACTION 审中-公开
标题翻译：使用独立通信的安全授权和每个方面进行交易的不同一次性加密密钥
公开(公告)号：WO2016195764A1
公开(公告)日：2016-12-08
申请号：PCT/US2016/018253
申请日：2016-02-17
申请人： CARROTT, Richard F. , BENEDOR TSE LLC
发明人： CARROTT, Richard F.
IPC分类号： G06Q20/36 , G06F21/42
CPC分类号： G06F21/42 , G06Q20/3674
摘要： A registered provider device encrypts provider input related to a transaction between the provider device and one of many registered user devices to create an encrypted one-time-use provider code (the encryption is performed using an encryption key produced, in part, using a uniquely sequenced number generated by a sequencer maintained by the provider device). Similarly, a provider institution app encrypts user input to create an encrypted one-time-use user code using an encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by the user device. The provider and provider institution app independently transmit their different encrypted one-time-use codes to an intermediate entity, which decrypts the encrypted codes using one-time-use encryption keys produced using sequencers maintained by the intermediate entity. This decryption generates an authorization request. The intermediate entity obtains an authorization decision regarding the authorization request from the authorization entity.
摘要翻译：注册的提供商设备加密与提供者设备和许多注册用户设备之一中的交易相关的提供商输入以创建加密的一次性使用提供商代码（使用仅部分地使用加密密钥来生成加密密钥来执行加密由提供者设备维护的音序器生成的序列号）。类似地，供应商机构应用程序加密用户输入以使用加密密钥来创建加密的一次性使用用户代码，部分地使用由用户设备维护的用户定序器生成的唯一排序的号码。提供商和提供者机构应用程序将不同的加密一次性使用代码独立地发送到中间实体，中间实体使用由中间实体维护的定序器产生的一次性加密密钥对加密的代码进行解密。此解密产生授权请求。中间实体从授权实体获得关于授权请求的授权决定。

15. 发明申请

WO2016186873A1 METHOD AND SYSTEM FOR PROCESSING BLOCKCHAIN-BASED TRANSACTIONS ON EXISTING PAYMENT NETWORKS 审中-公开
标题翻译：在现有支付网络处理基于框架的交易的方法和系统
公开(公告)号：WO2016186873A1
公开(公告)日：2016-11-24
申请号：PCT/US2016/031255
申请日：2016-05-06
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： DAVIS, Steven, Charles
IPC分类号： G06Q20/06 , G06Q20/36 , G06Q20/38
CPC分类号： G06Q20/405 , G06Q20/065 , G06Q20/3674 , G06Q20/3825 , G06Q20/3827 , G06Q20/385
摘要： A method for authorizing a blockchain-based transaction includes: receiving a transaction request, the request including a network identifier associated with a blockchain network, a transaction amount, and one of: a public key and an address identifier; generating an address identifier using at least the public key included in the received transaction request and one or more hashing algorithms if the received transaction request does not include an address identifier; generating a transaction message, the message including a first data element configured to store a transaction amount and a second data element reserved for private use, and the first data element includes a zero value and the second data element includes at least (i) the network identifier or an encoded value based on the network identifier, (ii) the address identifier, and (iii) the transaction amount; and transmitting the transaction message to a financial institution using a payment network.
摘要翻译：一种用于授权基于块链的事务的方法包括：接收事务请求，所述请求包括与块链网络相关联的网络标识符，交易量，以及以下之一：公钥和地址标识符; 如果所接收的交易请求不包括地址标识符，则使用至少包含在所接收的交易请求中的公钥和一个或多个散列算法来生成地址标识符; 生成交易消息，所述消息包括被配置为存储交易量的第一数据元素和为私人使用而保留的第二数据元素，并且所述第一数据元素包括零值，并且所述第二数据元素至少包括（i）所述网络标识符或基于网络标识符的编码值，（ii）地址标识符，和（iii）交易量; 以及使用支付网络将交易消息发送到金融机构。

16. 发明申请

WO2016186869A1 METHOD AND SYSTEM FOR INTEGRATION OF MARKET EXCHANGE AND ISSUER PROCESSING FOR BLOCKCHAIN-BASED TRANSACTIONS 审中-公开
标题翻译：市场交易和基于框架交易的发行人处理方法与系统
公开(公告)号：WO2016186869A1
公开(公告)日：2016-11-24
申请号：PCT/US2016/031236
申请日：2016-05-06
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： DAVIS, Steven, Charles , TETALI, Ashish, Raghavendra
IPC分类号： G06Q10/00 , G06Q20/22 , G06Q20/38
CPC分类号： G06Q20/40 , G06Q10/00 , G06Q20/02 , G06Q20/0655 , G06Q20/0855 , G06Q20/227 , G06Q20/3674 , G06Q20/3676 , G06Q20/3678 , G06Q20/382 , G06Q20/38215 , G06Q20/3827 , G06Q20/4016
摘要： A method for authorization of a blockchain transaction includes: storing account profiles, each profile including an account identifier, fiat amount, and blockchain amount; receiving a transaction message, the transaction message being formatted based on transaction message standards and including a first data element that includes a specific account identifier and a second data element reserved for private use that includes a network identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; identifying a risk value based on the transaction amount and at least one of: the fiat amount and blockchain amount; determining authorization of a transaction based on the identified risk value; modifying the transaction message based on the authorization determination; and transmitting the modified transaction message.
摘要翻译：用于授权块链交易的方法包括：存储帐户简档，每个简档包括帐户标识符，平均金额和块链接量; 接收交易消息，所述交易消息基于交易消息标准被格式化，并且包括第一数据元素，所述第一数据元素包括特定账户标识符和为私人使用而保留的第二数据元素，所述第二数据元素包括网络标识符和交易量识别包括特定帐户标识符的特定帐户配置文件; 根据交易金额确定风险值，并至少包括以下几项之一：平均金额和块金额; 基于所识别的风险值确定交易的授权; 基于授权确定修改交易消息; 并发送修改的交易消息。

17. 发明申请

WO2016175896A1 UNIFIED LOGIN ACROSS APPLICATIONS 审中-公开
标题翻译：统一登录应用程序
公开(公告)号：WO2016175896A1
公开(公告)日：2016-11-03
申请号：PCT/US2015/063275
申请日：2015-12-01
申请人： PAYPAL, INC.
发明人： SUBRAMANIAN, Velayutham , KAMESH, Narendra , NANAVATI, Arpan , WALTER, Brent , RANGANATHAN, Aravindan , SCOTT, Bill
IPC分类号： G06Q20/38 , G06Q20/40 , G06F21/30
CPC分类号： G06Q20/3674 , G06Q20/32 , G06Q20/36 , G06Q20/3821 , G06Q20/4014 , G06Q2220/00
摘要： A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.
摘要翻译：可以提供系统和/或方法以静默地认证用户。静默地认证用户的示例性方法包括接收完成与商家应用相关联的交易的请求。请求包括包括来自用户设备的标识符的数据文件。请求来自用户设备。该方法还包括确定数据文件是否包括刷新令牌，并且如果数据文件包括刷新令牌，则确定刷新令牌是否有效。该方法还包括：如果刷新令牌有效，则从用户设备接收访问令牌。访问令牌包括授权范围。该方法还包括确定交易是否在授权范围内。该方法还包括：如果交易在授权范围内，则认证用户。

18. 发明申请

WO2016149142A1 DEVICE WITH MULTIPLE IDENTIFIERS 审中-公开
标题翻译：具有多个标识符的设备
公开(公告)号：WO2016149142A1
公开(公告)日：2016-09-22
申请号：PCT/US2016/022197
申请日：2016-03-11
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KUMNICK, Philip , NELSEN, Mark Allen , SHEETS, John F.
IPC分类号： G06K19/07 , G06K19/077
CPC分类号： G06Q20/341 , G06K19/072 , G06K19/07769 , G06Q20/32 , G06Q20/3227 , G06Q20/352 , G06Q20/3572 , G06Q20/367 , G06Q20/3674 , G06Q20/401 , G06Q20/409 , G07F7/0806
摘要： A device stores multiple identifiers meant for specific uses. For example, multiple transaction tokens can reside on different parts of a user device. Each transaction token can be compatible for use with a transaction channel (e.g., contact, contactless, and card-not-present, telephone-order, mail-order, in-app, etc.). A transaction can be terminated based on a transaction token being utilized in an inappropriate transaction channel, which limits the chances that a compromised transaction token can be successfully utilized for fraud. In some cases, the user device may be a transaction card or a mobile phone.
摘要翻译：设备存储用于特定用途的多个标识符。例如，多个事务令牌可以驻留在用户设备的不同部分上。每个交易令牌可以兼容以用于交易信道（例如，联系人，非接触者，不存在卡，电话订单，邮件订阅，应用内等）。可以基于在不适当的交易信道中使用的交易令牌终止交易，这限制了可以成功利用受损的交易令牌进行欺诈的机会。在某些情况下，用户设备可以是交易卡或移动电话。

19. 发明申请

WO2016061118A1 SECURING HOST CARD EMULATION CREDENTIALS 审中-公开
标题翻译：保护主机卡模拟凭证
公开(公告)号：WO2016061118A1
公开(公告)日：2016-04-21
申请号：PCT/US2015/055357
申请日：2015-10-13
申请人： SEQUENT SOFTWARE, INC.
发明人： MILOV, Peter , BRUDNICKI, David , VILLIOTT, Mark
IPC分类号： G06Q20/32 , G06Q20/16 , G06Q20/20 , H04L9/32
CPC分类号： G06Q20/38215 , G06Q20/3278 , G06Q20/3674 , G06Q20/401 , G06Q20/4012 , G06Q2220/00 , H04L63/083 , H04L63/0853 , H04L63/0861 , H04W4/80 , H04W12/06
摘要： Systems and methods for providing token generation and password verification are disclosed. The system may be configured to receive a password input by a user, wherein the password is not stored on the system prior to receiving the password, and to generate an encryption key based on the password. The system may further be configured to decrypt a token using the encryption key and, in response to verifying that the token was properly decrypted, decrypting a credential using the encryption key. The system may additionally be configured to initiate a near-field communication transaction with a reader using the decrypted credential.
摘要翻译：公开了用于提供令牌生成和密码验证的系统和方法。系统可以被配置为接收用户输入的密码，其中密码在接收密码之前不存储在系统上，并且基于密码生成加密密钥。系统还可以被配置为使用加密密钥来解密令牌，并且响应于验证令牌被正确解密，使用加密密钥来解密凭证。该系统还可被配置为使用解密的凭证来发起与读取器的近场通信事务。

20. 发明申请

WO2016038430A1 METHOD AND SYSTEM FOR MANAGING DIGITAL CASH IN DIGITAL WALLET IN DEVICE OF A USER 审中-公开
标题翻译：用于在用户设备中管理数字电子钱包中的数字现金的方法和系统
公开(公告)号：WO2016038430A1
公开(公告)日：2016-03-17
申请号：PCT/IB2014/065973
申请日：2014-11-12
申请人： KANHATECH SOLUTIONS LIMITED
发明人： CHELLAPPAN, Kushal, Kumar , ARORA, Manoj, Kumar
IPC分类号： G06Q20/36 , G06Q20/10 , G06Q20/40
CPC分类号： G06Q20/36 , G06Q20/10 , G06Q20/108 , G06Q20/3674 , G06Q20/4012 , G06Q20/4014 , G06Q20/40145
摘要： Embodiments of the present disclosure are related to a method and a digital cash management system for managing digital cash in a digital wallet of a user device. In an embodiment, the user of the digital wallet can load a predefined amount of digital cash into the digital wallet. Each denomination of digital cash is mapped to a unique identification in the database. The method of the present disclosure comprises graphically representing the digital cash on user interface of the user device, wherein the digital cash appears to be similar to cash in physical wallet. The user can perform gestures to perform at least one of counting the digital cash represented in the digital wallet and transferring the digital cash in user selected denomination from the first account to a second account. In an embodiment, the transferring of the digital cash is represented on the user interface using animation.
摘要翻译：本公开的实施例涉及用于管理用户设备的数字钱包中的数字现金的方法和数字现金管理系统。在一个实施例中，数字钱包的用户可以将预定量的数字现金加载到数字钱包中。数字现金的每个面值都映射到数据库中的唯一标识。本公开的方法包括图形地表示用户设备的用户界面上的数字现金，其中数字现金似乎与物理钱包中的现金相似。用户可以执行手势来执行计数数字钱包中表示的数字现金中的至少一种，并将用户选择的面额的数字现金从第一帐户转移到第二帐户。在一个实施例中，使用动画在用户界面上表示数字现金的转移。

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