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    • 5. 发明申请
    • E-CHEQUE BASED TRANSACTION SYSTEM AND METHOD
    • 基于电子检查的交易系统和方法
    • WO2012104872A1
    • 2012-08-09
    • PCT/IN2012/000074
    • 2012-01-31
    • LOGICA PRIVATE LIMITEDCOPPING, JohnMILNER, AndrewPADMALAYAM NARAYANA KURUP, Ajith Kumar
    • COPPING, JohnMILNER, AndrewPADMALAYAM NARAYANA KURUP, Ajith Kumar
    • G06Q20/0425G06Q20/3274
    • G06Q20/0425G06Q20/3274
    • The present invention provides a method and system for generating and processing an electronic cheque. In one embodiment, a server generates an e-cheque containing a matrix barcode by encrypting transaction information in the matrix barcode and stores the transaction information along with other information associated with the e-cheque in a central database. Also, the server transmits the e-cheque containing the matrix barcode to a computing device associated with a payer. When a payee presents the e-cheque to associated bank, the server reads information in the matrix barcode in the e-cheque using a bank's computing device and validates the e-cheque by matching the information in the matrix barcode with the transaction information. Furthermore, the server authorizes or rejects a transaction associated with the e-cheque based on whether the e-cheque is valid or not. Moreover, the server processes the transaction associated with the e-cheque if the e-cheque is valid.
    • 本发明提供了一种用于生成和处理电子支票的方法和系统。 在一个实施例中,服务器通过加密矩阵条形码中的交易信息来生成包含矩阵条形码的电子支票,并将交易信息连同与电子支票相关联的其他信息存储在中央数据库中。 此外,服务器将包含矩阵条形码的电子支票发送到与付款者相关联的计算设备。 当收款人向相关银行提供电子支票时,服务器使用银行的计算设备在电子支票中读取矩阵条形码中的信息,并通过将矩阵条形码中的信息与交易信息进行匹配来验证电子支票。 此外,服务器根据电子支票是否有效来授权或拒绝与电子支票相关联的交易。 此外,如果电子支票有效,则服务器处理与电子支票相关联的交易。
    • 6. 发明申请
    • REAL-TIME INSURANCE PREMIUM COMPUTATION SYSTEM AND METHOD THEREOF
    • 实时保险高级计算系统及其方法
    • WO2012063268A2
    • 2012-05-18
    • PCT/IN2011/000784
    • 2011-11-11
    • LOGICA PRIVATE LIMITEDPADMALAYAM NARAYANA KURUP, Ajith Kumar
    • PADMALAYAM NARAYANA KURUP, Ajith Kumar
    • G06Q40/08
    • G06Q40/08
    • The present invention provides a method and system for charging insurance premium of an insured premises in real-time. In one embodiment, a system includes a risk factor monitoring device configured for collecting the static and dynamic conditions associated with an insured premises from one or more monitoring devices, and periodically computing a risk factor associated with each of the static and dynamic conditions. The system also includes a backend server wirelessly connected to the risk factor monitoring device for estimating an insurance premium for the insured premises in real-time based on the risk factor associated with each of the static and dynamic conditions, and deducting the insurance premium from a prepaid account associated with the insured premises.
    • 本发明提供了一种用于实时对受保房屋的保险费进行计费的方法和系统。 在一个实施例中,一种系统包括风险因素监测装置,其被配置用于从一个或多个监测装置收集与受保房屋相关联的静态和动态状况,并周期性地计算与每个静态和动态状况相关的风险因素。 该系统还包括无线连接到风险因素监测设备的后端服务器,用于基于与每个静态和动态条件相关联的风险因子来实时估计被保险房屋的保险费用,并且从保险费用中扣除保险费用 与受保房地相关的预付账户。