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41. 发明申请

WO2013186425A1 A MONEY TRANSACTION SYSTEM AND A METHOD THERETO 审中-公开
标题翻译：货币交易系统及其方法
公开(公告)号：WO2013186425A1
公开(公告)日：2013-12-19
申请号：PCT/FI2012/050614
申请日：2012-06-15
申请人： AITICO OY , LYKOV, Evgeny
发明人： LYKOV, Evgeny
IPC分类号： G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/10 , G06Q20/223 , G06Q20/327 , G06Q20/385
摘要： The invention relates to a system and a method for providing money transaction between a sender and a recipient. Within the system at least one transaction device is configured to receive money inserted in the device, determine the value of money, determine a transaction code for the money and deliver information on at least the value of the inserted money and the determined transaction code to the at least one server. Additionally, the transaction device is configured to receive a transaction code, request, by delivering the received transaction code to the at least one server maintaining money transaction related information, if a corresponding transaction code with information on the value of inserted money is stored in the at least one server, and if a match is found receive from the at least one server an authorization to output a corresponding amount of money in cash as indicated in the information in the server in connection to the transaction code. Finally, the transaction device outputs the corresponding amount of money.
摘要翻译：本发明涉及一种用于在发送者和接收者之间提供货币交易的系统和方法。在系统内，至少一个交易设备被配置为接收插入到设备中的货币，确定货币的价值，确定货币的交易代码，并将至少所插入货币的价值和确定的交易代码的信息交付给至少有一台服务器。另外，交易设备被配置为通过将接收到的交易代码传递给维护货币交易相关信息的至少一个服务器来接收交易代码，如果具有关于插入货币的价值的信息的相应交易代码被存储在至少一个服务器，并且如果发现匹配从所述至少一个服务器接收到授权以输出与所述交易代码相关联的所述服务器中的信息中所示的现金对应的金额。最后，交易设备输出相应的金额。

42. 发明申请

WO2013115663A4 PORTABLE DEVICE FOR ELECTRONIC PAYMENTS 审中-公开
标题翻译：便携式电子设备
公开(公告)号：WO2013115663A4
公开(公告)日：2013-10-31
申请号：PCT/PT2013000005
申请日：2013-01-30
申请人： FERNANDES DE SOUSA CRUZ ORLANDO
发明人： FERNANDES DE SOUSA CRUZ ORLANDO
IPC分类号： G06Q20/06 , G06Q20/22 , G06Q20/32 , G06Q20/38
CPC分类号： G06Q20/3224 , G06Q20/0658 , G06Q20/223 , G06Q20/3229 , G06Q20/327 , G06Q20/36 , G06Q20/3823 , G06Q20/407
摘要： The present invention called "Portable device for electronic payments" or "Electronic wallet calculator for cashless transactions" refers to a combined system of conversion, calculation and transmission of processed data for immediate and presencial payments and revenues, through portable or fixed devices of close but contactless communication, which, in most models, is similar to a wallet calculator or a mobile phone, in which the basic functions of arithmetic operations designed to be subtraction (debit) or addition (credit) are only performed, whenever two similar or compatible devices establish a link of connectivity and synchronization of the processed, encoded and encrypted data between themselves, in a secure and off-line way, using infrared, radio frequency of short distance, or other forms of "contactless" transmission.
摘要翻译：称为“电子支付的便携式装置”或“用于无现金交易的电子钱包计算器”的本发明是指通过便携式或固定装置的近距离但固定装置的转换，计算和传输用于即时和预先支付和收入的处理数据的组合系统无线通信，其在大多数型号中类似于钱包计算器或移动电话，其中仅当执行两个类似或兼容的设备时，仅执行被设计为减法（借记）或附加（信用）的算术运算的基本功能使用红外线，短距离射频或其他形式的“非接触式”传输，以安全和离线的方式建立彼此之间的经处理的，编码和加密的数据的连接和同步的链接。

43. 发明申请

WO2013008055A3 A METHOD AND A SYSTEM FOR ELECTRONIC TRANSECTION USING POINT OF SALES (POS) DEVICE AND A CONTACTLESS READER FOR MOBILE PHONE FOR ONLINE ELECTRONIC 审中-公开
标题翻译：使用销售点（POS）设备和用于在线电子的移动电话的无接触读取器进行电子传输的方法和系统
公开(公告)号：WO2013008055A3
公开(公告)日：2013-05-16
申请号：PCT/IB2011002634
申请日：2011-07-13
申请人： CITEX LLC
IPC分类号： H04W4/00
CPC分类号： G06Q20/327 , G06Q20/18 , G06Q20/20
摘要： The various embodiments herein provide a Mobile Phone Contactless Reader (MCR) for reading a unique mobile subscriber identification number (UMSIN) associated with Subscriber Identity Module card of the mobile phone. The MCR includes a Central Processing Unit (CPU), a receiving unit for scanning communication waves on a Broadcast Control Channel (BCCH) broadcasted by a Base Transceiver Station, a memory unit for storing and updating the continuously scanned communication waves. A frequency meter counts the scanned communication waves and measures frequency of proximal communication wave. Further a transmitting unit transmits one of the UMSIN to a transaction unit. The mobile station provides the UMSIN to the MCR. The announced UMSIN is transferred to one of a bank account and a Universal Mobile Money database through the transaction unit for online mobile transactions.
摘要翻译：本文的各种实施例提供了用于读取与移动电话的订户身份模块卡相关联的唯一移动用户标识号（UMSIN）的移动电话非接触读取器（MCR）。 MCR包括中央处理单元（CPU），用于在由基站收发台广播的广播控制信道（BCCH）上扫描通信波的接收单元，用于存储和更新连续扫描的通信波的存储单元。频率计对扫描的通信波进行计数，并测量近端通信波的频率。此外，发送单元将UMSIN中的一个发送到交易单元。移动台向MCR提供UMSIN。宣布的UMSIN通过交易单位转移到银行帐户和通用移动货币数据库之一，用于在线移动交易。

44. 发明申请

WO2013066910A1 SYSTEM AND METHOD FOR INCORPORATING ONE-TIME TOKENS, COUPONS, AND REWARD SYSTEMS INTO MERCHANT POINT OF SALE CHECKOUT SYSTEMS 审中-公开
标题翻译：将一次性玩具，优惠券和奖励制度纳入销售检验系统的销售点的系统和方法
公开(公告)号：WO2013066910A1
公开(公告)日：2013-05-10
申请号：PCT/US2012/062645
申请日：2012-10-31
申请人： ROAM DATA INC
发明人： GRAYLIN, Will
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q30/02 , G06K9/18
CPC分类号： G06Q20/385 , G06Q20/20 , G06Q20/322 , G06Q20/327 , G06Q20/36 , G06Q20/387 , G06Q30/02
摘要： A method for incorporating one -time-tokens, coupon and reward systems in conjunction with merchants' POS checkout systems in the physical or virtual environments includes providing a consumer computing device comprising an electronic wallet application, providing a One-time Token Redemption System(OTRS) and user electronic wallet accounts, logging into a user electronic wallet account through the electronic wallet application, sending a request for a one- time token valid for a specified time interval and then forwarding the request for the one-time token to the OTRS and upon approval sending the requested one-time token from the OTRS to the electronic wallet application. Next, presenting and entering the one-time token into a merchant point of sale checkout system within the specified time interval via the consumer computing device, sending the entered one-time token to a checkout application, and then processing payment via a secure payment application.
摘要翻译：在物理或虚拟环境中结合商户的POS结帐系统结合一次令牌，优惠券和奖励系统的方法包括提供包括电子钱包应用的消费者计算设备，提供一次性令牌兑换系统（OTRS ）和用户电子钱包帐户，通过电子钱包应用登录到用户电子钱包帐户，发送一个指定时间间隔有效的一次性令牌的请求，然后将一次性令牌的请求转发到OTRS，经批准将所请求的一次性令牌从OTRS发送到电子钱包应用程序。接下来，通过消费者计算设备在指定的时间间隔内呈现并将一次性令牌输入商家销售点结帐系统，将输入的一次性令牌发送到结帐应用，然后经由安全支付应用程序处理支付。

45. 发明申请

WO2013048566A1 SOCIAL PROXIMITY PAYMENTS 审中-公开
标题翻译：社会接近付款
公开(公告)号：WO2013048566A1
公开(公告)日：2013-04-04
申请号：PCT/US2012/030959
申请日：2012-03-28
申请人： EBAY INC. , RUNYAN, William Henry
发明人： RUNYAN, William Henry
IPC分类号： G06Q20/32
CPC分类号： G06Q20/322 , G06Q10/02 , G06Q10/067 , G06Q10/10 , G06Q10/1057 , G06Q20/3224 , G06Q20/327 , G06Q20/42 , G06Q30/00 , G06Q30/02 , G06Q30/0205 , G06Q30/0208 , G06Q30/0225 , G06Q30/0241 , G06Q30/0261 , G06Q30/0275 , G06Q30/0601 , G06Q40/06 , G06Q40/12 , G06Q50/01 , G06Q50/12 , H04W4/02 , H04W4/021 , H04W4/185 , H04W4/21 , H04W64/00
摘要： An application or App on a payer's mobile device is used to discover people known to the user and who are in close proximity to the user at the time of a payment request. Discovery can be through searching contact lists and/or social networks of the payer and/or through the payer device discovering contacts around the payer and then searching the payer's contact or social network list to see if there are any matches. These people are then shown to the user on the user device, such as with a photo, icon, name, and/or email address. The user selects desired ones, which causes requests to be sent to the selected people, such as through text, voice, or email, to the respective devices. The selected people can then easily confirm or authorize a payment be sent to the user or to a payee.
摘要翻译：付款人的移动设备上的应用程序或应用程序用于在付款请求时发现用户已知的人员和与用户非常接近的人员。发现可以通过搜索付款人的联系人列表和/或社交网络和/或通过付款人设备发现付款人周围的联系人，然后搜索付款人的联系人或社交网络列表来查看是否存在匹配。然后，这些人在用户设备上向用户显示，例如用照片，图标，姓名和/或电子邮件地址。用户选择期望的，这导致请求被发送到所选择的人，例如通过文本，语音或电子邮件发送到相应的设备。所选择的人员可以轻松地确认或授权将付款发送给用户或收款人。

46. 发明申请

WO2012151590A2 SYSTEMS AND METHODS FOR ENABLING MOBILE PAYMENTS 审中-公开
标题翻译：用于实现移动支付的系统和方法
公开(公告)号：WO2012151590A2
公开(公告)日：2012-11-08
申请号：PCT/US2012/036833
申请日：2012-05-07
申请人： TRANSACTION NETWORK SERVICES, INC. , LYMAN, Daniel, J. , GATESMAN, Kevin, J. , CHASE, Robert, H. , VEETTIL, Rajeev, P. , SARAKA, Luc, H.
发明人： LYMAN, Daniel, J. , GATESMAN, Kevin, J. , CHASE, Robert, H. , VEETTIL, Rajeev, P. , SARAKA, Luc, H.
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/20
CPC分类号： G06Q20/3674 , G06Q20/20 , G06Q20/327 , G06Q20/36
摘要： Systems, devices, and methods for processing payment transactions are provided. In some embodiments, payment account information is stored in a mobile wallet by a configuration portal server, and payment tokens are transmitted to a mobile device. A payment token may be submitted by the mobile device to a merchant point-of-sale device as part of a transaction. The payment token may be transmitted to a mobile wallet registry system, which may use the payment token to obtain the payment account information or otherwise complete the transaction. In some embodiments, more than one payment account may be stored in a mobile wallet, and more than one payment account may be associated with a given payment token.
摘要翻译：提供了用于处理支付交易的系统，设备和方法。在一些实施例中，支付帐户信息由配置门户服务器存储在移动钱包中，并且支付令牌被发送到移动设备。作为交易的一部分，支付令牌可以由移动设备提交给商户销售点设备。支付令牌可以被发送到移动钱包登记系统，移动钱包登记系统可以使用支付令牌来获得支付帐户信息或以其他方式完成交易。在一些实施例中，可以将多于一个支付帐户存储在移动钱包中，并且多于一个支付帐户可以与给定支付令牌相关联。

47. 发明申请

WO2012136987A1 PAYMENT SYSTEM FOR AUTHORISING A TRANSACTION BETWEEN A USER DEVICE AND A TERMINAL 审中-公开
标题翻译：用于授权用户设备和终端之间的交易的支付系统
公开(公告)号：WO2012136987A1
公开(公告)日：2012-10-11
申请号：PCT/GB2012/050738
申请日：2012-04-02
申请人： VISA EUROPE LIMITED , FISKE, Stuart
发明人： FISKE, Stuart
IPC分类号： G06Q20/34
CPC分类号： G06Q20/3827 , G06Q20/3229 , G06Q20/327 , G06Q20/3821 , G06Q20/3825
摘要： Methods, apparatus and computer software are provided for authorising an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiry date parameter, which is adapted to comprise data indicative of an expiry date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiry date, and hence the validity of said certificate.
摘要翻译：提供了用于在用户设备和销售点终端之间授权EMV交易的方法，设备和计算机软件，特别地但不排他地，在安全元件不可用于在用户上部署支付应用的情况下设备。付款应用程序被部署到处于不在用户设备上的任何安全元素之外的处理环境中。支付应用程序与证书和相应的哈希相关联。该哈希适于基于应用程序到期日期参数来生成，该应用程序期限参数适于包括指示与该证书相关联的日间级粒度的到期日期的数据。在处理EMV交易期间，销售点终端验证散列，从而建立应用程序到期日的真实性，从而确定所述证书的有效性。

48. 发明申请

WO2012106778A1 MOBILE COMMUNICATION DEVICE SERVICES 审中-公开
标题翻译：移动通信设备服务
公开(公告)号：WO2012106778A1
公开(公告)日：2012-08-16
申请号：PCT/AU2012/000136
申请日：2012-02-10
申请人： BEAM HEADQUARTERS PTY LTD , UHLMANN, Bernd Ernst , BELOUSOVS, Dmitrijs , ELIASSEN, Øyvind Åmdal , NURMAMMEDOV, Serdar
发明人： UHLMANN, Bernd Ernst , BELOUSOVS, Dmitrijs , ELIASSEN, Øyvind Åmdal , NURMAMMEDOV, Serdar
IPC分类号： H04W12/06 , G06Q20/20 , G06Q30/06 , G06K7/10 , G06Q20/32 , H04L9/32
CPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/327 , H04L9/321 , H04L9/3242 , H04L2209/56 , H04L2209/80 , H04W12/06
摘要： A method, system, server processing system and mobile communication device are disclosed for providing mobile communication device services. In one aspect, a server processing system is disclosed for authenticating a user, and configured to: receive, from a mobile communication device of the user, a user code; randomly generate a base code; modify, using the user code, the base code to generate a server-generated authentication code; store the server-generated authentication code in a data store; transfer the base code to the mobile communication device for storage; receive an authentication request indicative of a device-generated authentication code from a reader assembly, wherein the reader assembly is configured to obtain the device-generated authentication code from the mobile communication device which generates the device-generated authentication code using the base code and the user code; and authenticate the user in event that the device-generated authentication code corresponds to the server-generated authentication code.
摘要翻译：公开了一种用于提供移动通信设备服务的方法，系统，服务器处理系统和移动通信设备。在一个方面，公开了一种服务器处理系统，用于认证用户，并且被配置为：从用户的移动通信设备接收用户代码; 随机生成基础代码; 修改，使用用户代码，基本代码生成服务器生成的认证码; 将服务器生成的认证码存储在数据存储中; 将基本代码传送到移动通信设备进行存储; 从读取器组件接收指示设备生成的认证码的认证请求，其中，所述读取器组件被配置为从所述移动通信设备获得所述设备生成的认证码，所述认证码使用所述基本代码生成所述设备生成的认证码，并且用户代码; 并且在设备生成的认证码对应于服务器生成的认证码的情况下认证用户。

49. 发明申请

WO2012030163A2 SYSTEM AND METHOD FOR SEARCHING FOR A CREDIT CARD LOCATION USING A BLUETOOTH COMMUNICATION FUNCTION OF A PERSONALIZED COMMUNICATION TERMINAL 审中-公开
标题翻译：使用个性化通信终端的蓝牙通信功能搜索信用卡位置的系统和方法
公开(公告)号：WO2012030163A2
公开(公告)日：2012-03-08
申请号：PCT/KR2011006465
申请日：2011-08-31
申请人： BC CARD CO LTD , KIM WONYONG
发明人： KIM WONYONG
IPC分类号： G06Q40/00 , H04W64/00
CPC分类号： H04M1/7253 , G06Q20/327 , G06Q20/353 , H04M2250/02 , H04M2250/10 , H04W84/18
摘要： The present invention relates to a system and method for searching for a credit card location using a Bluetooth communication function of a personalized communication terminal. For this purpose, provided is: a system for searching for a credit card location using a Bluetooth communication function of a personalized communication terminal, wherein the system comprises a personalized communication terminal having a Bluetooth communication function; and a credit card having a Bluetooth module built therein for performing Bluetooth communication with the personalized communication terminal. When the personalized communication terminal outputs a credit card call signal over the Bluetooth communication, the credit card receives the credit card call signal and outputs a signal indicating the location of the credit card. The system for searching for a credit card location according to the present invention has the effect of identifying the location of the credit card or a wallet lost in a nearby area using a signal (sound, vibration, light, etc.) outputted by the credit card.
摘要翻译：本发明涉及使用个性化通信终端的蓝牙通信功能来搜索信用卡位置的系统和方法。为此，提供了一种用于使用个性化通信终端的蓝牙通信功能搜索信用卡位置的系统，其中该系统包括具有蓝牙通信功能的个性化通信终端; 以及内置有用于与个性化通信终端进行蓝牙通信的蓝牙模块的信用卡。当个性化通信终端通过蓝牙通信输出信用卡呼叫信号时，信用卡接收信用卡呼叫信号并输出指示信用卡位置的信号。根据本发明的用于搜索信用卡位置的系统具有使用信用（声音，振动，光等）输出的信号（声音，振动，光等）来识别信用卡或附近区域丢失的钱包的位置的效果卡。

50. 发明申请

WO2011156023A2 ENHANCED PAYMENTS FOR SHIPPING 审中-公开
标题翻译：加强运输支付
公开(公告)号：WO2011156023A2
公开(公告)日：2011-12-15
申请号：PCT/US2011/026770
申请日：2011-03-02
申请人： UNITED PARCEL SERVICE OF AMERICA, INC
发明人： PARAMESWARAN, Sathiyan , BESSERER, Bruce , COSTIDES, Nicholas , HILBUSH, Mark
IPC分类号： G06Q30/00 , G06Q10/00
CPC分类号： G06Q50/28 , G06Q10/08 , G06Q10/083 , G06Q10/0833 , G06Q20/18 , G06Q20/202 , G06Q20/327 , G06Q20/385 , G06Q20/4014 , G06Q30/0185 , G06Q30/04 , G06Q40/12
摘要： Systems, methods, apparatus, and computer program products are provided for initiating shipment of and payment for shipping a parcel. For example, in one embodiment, a customer/user can receive a message on a user device from a carrier that includes an authorization code for shipping a parcel. After the customer/user ships the parcel, the carrier can charge a variety of accounts for the shipping charges, including a wireless services provider associated with the user device. In another embodiment, the customer/user can interact with a kiosk to ship the parcel. In this embodiment, the carrier can also charge a variety of accounts for the shipping charges, including a wireless services provider.
摘要翻译：提供系统，方法，设备和计算机程序产品，用于启动运送包裹的运送和付款。例如，在一个实施例中，客户/用户可以从包含用于运送包裹的授权代码的运营商在用户设备上接收消息。在客户/用户运送包裹之后，运营商可以为运输费用收取各种帐户，包括与用户设备相关联的无线服务提供商。在另一个实施例中，客户/用户可以与信息亭进行交互以运送包裹。在该实施例中，运营商还可以为包括无线服务提供商的运输费用收取各种帐户费用。

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