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1. 发明申请

WO2018156276A1 SYSTEMS AND METHODS FOR USE IN PROVIDING ENHANCED AUTHENTICATION OF CONSUMERS 审中-公开
公开(公告)号：WO2018156276A1
公开(公告)日：2018-08-30
申请号：PCT/US2018/014319
申请日：2018-01-19
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： NICOLETTI, Laurie, Ann , RODE, Elisabeth, Lea , SMITH, Janet, Marie , BRYSON, Brandon, Craig , TARE, Sameer , PIEL, Brian , HUBBARD, Steve
IPC分类号： G06Q20/30 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/40145 , G06F21/32 , G06Q20/305 , G06Q20/325 , G06Q30/016
摘要： Systems and methods are provided for use in enhancing security associated with services related to payment or banking accounts, in connection with communication between consumers and consumer service call centers associated with the accounts. One exemplary method includes receiving, at a computing device, a request to authenticate a consumer to a payment or banking account from a call center associated with consumer services for the account, and soliciting a biometric from the consumer. The method also includes receiving biometric data from a communication device associated with the consumer relating to the solicited biometric, and confirming the received biometric data based on reference biometric data for the consumer. The method then further includes transmitting an authentication confirmation to the call center, when the received biometric data is confirmed, whereby the call center is able to proceed in providing the consumer services to the consumer with or without security questions.

2. 发明申请

WO2018107802A1 网络数据发送方法及移动终端审中-公开
公开(公告)号：WO2018107802A1
公开(公告)日：2018-06-21
申请号：PCT/CN2017/099203
申请日：2017-08-26
申请人：广东欧珀移动通信有限公司
发明人：宋永耀 , 周千里
IPC分类号： H04W12/00
CPC分类号： G06Q20/10 , G06Q20/322 , G06Q20/325
摘要：一种网络数据发送方法及移动终端，其中的方法包括：获取移动终端待发送的网络数据对应的统一资源定位符，统一资源定位符包括网络数据对应的目标资源的类型、目标资源在服务器中的位置以及针对目标资源的存取方式，针对所述目标资源的存取方式包括查询目标资源和提交目标资源；在识别出针对所述目标资源的存取方式为提交目标资源时，且目标资源的类型满足预设条件时，将待发送的网络数据发送至移动数据网络的网卡接口，以使移动终端通过移动数据网络将待发送的网络数据发送至服务器。

3. 发明申请

WO2018021965A1 A SYSTEM AND METHOD FOR MAKING PAYMENT WITHIN A DIGITAL MESSAGING ENVIRONMENT 审中-公开
标题翻译：一种在数字消息环境中制作支付的系统和方法
公开(公告)号：WO2018021965A1
公开(公告)日：2018-02-01
申请号：PCT/SG2017/050353
申请日：2017-07-13
申请人： MASTERCARD ASIA/PACIFIC PTE LTD
发明人： MOHANDAS, Krishnadas , VENUGOPALAN, Vijin , GILBEY, Benjamin Charles
IPC分类号： G06Q20/08 , G06F17/27 , G06Q20/36
CPC分类号： G06Q20/3255 , G06Q20/12 , G06Q20/14 , G06Q20/16 , G06Q20/325
摘要： There is provided a system and method for making payment within a digital messaging environment. The payment can be made without exiting from the digital messaging environment, and can be activated by typing predefined text in the digital messaging environment. Upon activation of payment process, a digital wallet would be used to transmit payment information to a payment system.
摘要翻译：提供了用于在数字消息传递环境中进行支付的系统和方法。支付可以在不退出数字消息环境的情况下进行，并且可以通过在数字消息环境中输入预定义的文本来激活。在激活支付过程后，将使用数字钱包将支付信息传输到支付系统。

4. 发明申请

WO2017152186A2 MID-RANGE READER INTERACTIONS 审中-公开
标题翻译：中档读者互动
公开(公告)号：WO2017152186A2
公开(公告)日：2017-09-08
申请号：PCT/US2017/020985
申请日：2017-03-06
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： JIN, Jing , BELLENGER, Thomas , AABYE, Christian , CARROLL, Bryan
IPC分类号： H04W4/00 , H04W4/06 , H04W12/06 , H04W76/02 , G06K17/00
CPC分类号： G06Q20/327 , G06Q20/3224 , G06Q20/3226 , G06Q20/325 , G06Q20/3278 , G06Q20/405
摘要： A reader device may include a midrange wireless transceiver, a controller coupled to the midrange wireless transceiver, and a memory coupled to the controller. The memory may store executable code, which when executed by the controller, causes the reader device to implement various operations including maintaining a transaction service attributes database in the memory. The operations may also include broadcasting a beacon including a transaction service indicator at a periodic interval using the midrange wireless transceiver, receiving a connection request from a communication device, and establishing a wireless connection with the communication device. The operations may further include performing an application selection process with the communication device, performing application data processing with the communication device, and performing authorization request processing for the communication device.
摘要翻译：读取器设备可以包括中端无线收发器，耦合到中端无线收发器的控制器以及耦合到控制器的存储器。存储器可以存储可执行代码，所述可执行代码在由控制器执行时使读取器设备实施各种操作，包括在存储器中维护交易服务属性数据库。操作还可以包括使用中端无线收发器以定期间隔广播包括交易服务指示符的信标，从通信设备接收连接请求并且建立与通信设备的无线连接。操作可以进一步包括利用通信设备执行应用程序选择处理，利用通信设备执行应用程序数据处理，并且执行对通信设备的授权请求处理。

5. 发明申请

WO2017151793A1 BUSINESS TO CONSUMER ENTERPRISE SOFTWARE SYSTEM 审中-公开
标题翻译：企业对消费者企业软件系统
公开(公告)号：WO2017151793A1
公开(公告)日：2017-09-08
申请号：PCT/US2017/020237
申请日：2017-03-01
申请人： MCNABB TECHNOLOGIES, LLC
发明人： HALE, Ritchie
IPC分类号： G06Q30/00 , G06Q30/02
CPC分类号： G06Q30/0201 , G06Q10/083 , G06Q20/325 , G06Q20/4016 , G06Q30/0185 , G06Q30/0635 , H04L51/22
摘要： A business to consumer enterprise software system having a computer having a memory and a processor and non-transitory computer-readable instructions stored in the memory when executed by the processor provides a service cloud, a marketing cloud, a customer acquisition cloud, and a community cloud.
摘要翻译：具有计算机的企业对消费者企业软件系统具有存储器和处理器，并且当由处理器执行时存储在存储器中的非暂时性计算机可读指令提供服务云，营销云，客户获取云和社区云。

6. 发明申请

WO2017081639A2 METHOD AND SYSTEM FOR NETWORK COMMUNICATION 审中-公开
标题翻译：网络通信的方法和系统
公开(公告)号：WO2017081639A2
公开(公告)日：2017-05-18
申请号：PCT/IB2016/056777
申请日：2016-11-10
申请人： LEVIN, Pavel
发明人： LEVIN, Pavel
CPC分类号： G06Q20/3829 , G06Q20/202 , G06Q20/325 , G06Q20/401 , G06Q2220/00 , H04L63/0823 , H04W12/04 , H04W12/06 , H04W12/08
摘要： Technologies are generally described for methods and systems effective to secure process synchronized requests after at least one secure inter-device communication link between the originating and confirming communication devices is established. A method may include forwarding, by the confirming communication device the request and receiving, by a server, a first request from the originating device and at least one second request from the confirming device. The method may also include, by the server, determining a sequence of receiving of the first and the at least one second requests and processing the requests in order to authenticate a communication device, accept or reject a financial transaction, based on the receiving sequence and receiving time difference.
摘要翻译：通常描述了在发起和确认通信设备之间建立起至少一个安全设备间通信链路之后有效保护处理同步请求的方法和系统的技术。方法可以包括由确认通信设备转发请求并由服务器接收来自始发设备的第一请求和来自确认设备的至少一个第二请求。该方法还可以包括由服务器基于接收序列确定接收第一请求和至少一个第二请求的序列并处理请求以认证通信设备，接受或拒绝金融交易，以及接收时差。

7. 发明申请

WO2017048467A1 TRANSACTION BASED CHECK-IN TO RECOMMENDATION-PROVIDING SOCIAL MEDIA PLATFORMS 审中-公开
标题翻译：以交易为基础的推荐 - 提供社会媒体平台
公开(公告)号：WO2017048467A1
公开(公告)日：2017-03-23
申请号：PCT/US2016/048132
申请日：2016-08-23
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： ARORA, Ankur
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0282 , G06Q20/102 , G06Q20/204 , G06Q20/325 , G06Q20/3278 , G06Q50/01 , H04W4/02
摘要： A method and system for providing location-based user-personalized recommendations for goods, services and activities to a user of a mobile communication device using a recommendation-providing social media platform is provided. The method includes automatically checking in to the merchant location on the recommendation-providing social media platform in response to settling the transaction at the merchant and automatically checking in to a predefined area which includes the merchant location. Then, the method includes identifying ones of the other merchants at the other merchant locations for recommending to the user in response to user historic transaction data and presenting the user through the recommendation-providing social media platform with merchant information for the identified ones of the other merchants in the predefined area, the merchant information including a merchant location corresponding to each of the identified ones of the other merchants in the predefined area.
摘要翻译：提供了一种用于使用推荐提供的社交媒体平台向移动通信设备的用户提供针对商品，服务和活动的基于位置的用户个性化建议的方法和系统。所述方法包括响应于在商家处理事务而自动检查推荐提供的社交媒体平台上的商家位置，并自动检入包括商户位置的预定区域。然后，该方法包括识别其他商家位置处的其他商家，以便响应于用户历史交易数据向用户推荐，并通过推荐提供的社交媒体平台向用户提供其他所识别的商家信息的商家信息所述商家信息包括与所述预定区域中的所述其他商家中的每一个相对应的商家位置。

8. 发明申请

WO2017041641A1 业务功能的实现方法和装置审中-公开
公开(公告)号：WO2017041641A1
公开(公告)日：2017-03-16
申请号：PCT/CN2016/097270
申请日：2016-08-30
申请人：阿里巴巴集团控股有限公司
发明人：张天一 , 徐丽慧
IPC分类号： H04L12/58
CPC分类号： G06Q20/325 , G06Q20/02 , H04L51/02 , H04L51/046 , H04L67/20
摘要：本申请提供一种业务功能的实现方法和装置，应用在即时通信服务器上，包括：接收即时对话参与方发送的即时消息；当即时对话中即时消息的内容满足某个业务类型的预设触发条件时，向即时对话参与方的终端发送显示快捷操作项的指令；所述快捷操作项用于由终端发起所述业务类型的业务任务。通过本申请的技术方案，减少了用户的手动操作和手动输入，提高了用户执行业务任务的效率。

9. 发明申请

WO2017014982A1 SEAMLESS TRANSACTION MINIMIZING USER INPUT 审中-公开
标题翻译：无缝交易最小化用户输入
公开(公告)号：WO2017014982A1
公开(公告)日：2017-01-26
申请号：PCT/US2016/041804
申请日：2016-07-11
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： PURVES, Thomas
IPC分类号： G06Q20/38 , G06Q20/02 , G06Q20/32 , G06Q20/40
CPC分类号： G06Q20/401 , G06Q20/02 , G06Q20/20 , G06Q20/322 , G06Q20/325 , G06Q20/3278 , G06Q20/36
摘要： A user can utilize a first application to register their accounts with an alias identifier at an intermediary server computer. At a later time, the user may request access to information stored at the intermediary server computer to conduct a transaction with a certain resource providing entity for the first time. The resource providing entity may retrieve stored user data associated with the user and may send the user data to the intermediary server computer, which can determine accounts of the user based on the received user data and provide account options to the user for the transaction. This eliminates the need for the user to enter any account information into a device during the transaction.
摘要翻译：用户可以利用第一应用程序在中介服务器计算机上用别名标识符注册其帐户。在稍后的时间，用户可以请求访问存储在中间服务器计算机中的信息，以便与第一次与某个资源提供实体进行交易。资源提供实体可以检索与用户相关联的存储的用户数据，并且可以将用户数据发送到中介服务器计算机，该中间服务器计算机可以基于接收到的用户数据确定用户的帐户，并为用户提供交易的账户选项。这消除了在交易期间用户将任何帐户信息输入到设备中的需要。

10. 发明申请

WO2017004688A1 SYSTEMS, DEVICES, AND METHODS FOR LINKING ONLINE BEHAVIOR TO OFFLINE PAYMENT TRANSACTIONS 审中-公开
标题翻译：将在线行为链接到离职付款交易的系统，设备和方法
公开(公告)号：WO2017004688A1
公开(公告)日：2017-01-12
申请号：PCT/CA2015/000426
申请日：2015-07-03
申请人： MONERIS SOLUTIONS CORPORATION
发明人： CHIB, Sanjeev
IPC分类号： G06Q30/02 , G06F17/00
CPC分类号： G06Q30/0255 , G06Q20/325 , G06Q30/02 , G06Q30/0277
摘要： Systems, methods, and devices for linking a consumer's online behavior to an offline payment transaction are disclosed. A first mapping between an identifier of the consumer and an identifier of a payment card of the consumer is generated. A second mapping between the identifier of the consumer and an identifier of an online behavior of the consumer is generated, in association with visiting a webpage. Data reflective of an offline payment transaction is received, the data comprising the identifier of the payment card. A link between the online behavior and the offline transaction is identified by processing the generated first mapping, the generated second mapping, and the received data.
摘要翻译：公开了将消费者的在线行为与离线支付交易相关联的系统，方法和设备。产生消费者的标识符和消费者的支付卡的标识符之间的第一映射。与访问网页相关联地生成消费者的标识符和消费者的在线行为的标识符之间的第二映射。接收到反映离线支付交易的数据，该数据包括支付卡的标识符。通过处理生成的第一映射，生成的第二映射和接收到的数据来识别在线行为和脱机事务之间的链接。

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