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1. 发明申请

WO2018134855A1 PERSONAL IDENTIFICATION SYSTEM, PARTICULARLY FOR MAKING ELECTRONIC PAYMENTS 审中-公开
公开(公告)号：WO2018134855A1
公开(公告)日：2018-07-26
申请号：PCT/IT2017/000012
申请日：2017-01-23
申请人： NICOLIS, Stefano
发明人： NICOLIS, Stefano
IPC分类号： G06F21/35 , G06Q20/22 , G06Q20/32 , G06Q20/34
CPC分类号： G06F21/35 , G06Q20/3274 , G06Q20/3278 , G06Q20/363 , G06Q20/3674 , G06Q20/4014
摘要： A personal identification system (10), particularly for making electronic payments, which comprises a portable identification device (14) in the possession of a first user (12), a local processing device (18) operated by a second user (16), and a remote processing device (22) comprising remote storage means (42), the local processing device (18) and the remote processing device (22) being connected to a telematic communications network (20); the portable identification device (14) comprises a module (28) for generating at least one marker (50), a module (29) for encrypting at least one unique identification code, an e-paper screen (26) adapted to display the at least one marker (50), and command means (30) operated by the first user (12), the at least one marker (50) being readable by the local processing device (18) and comprising the at least one unique identification code, the at least one unique identification code corresponding to a record comprised in the remote storage means (42) and comprising personal identification information belonging to the first user (12).

2. 发明申请

WO2018080648A1 SYSTEMS AND METHODS FOR ENHANCED VERIFICATION OF NEW USERS TO A NETWORK BASED SERVICE 审中-公开
标题翻译：用于增强对新用户到基于网络的服务的验证的系统和方法
公开(公告)号：WO2018080648A1
公开(公告)日：2018-05-03
申请号：PCT/US2017/050947
申请日：2017-09-11
申请人： MASTERCARD INTERNATIONALINCORPORATED
发明人： CHISHOLM, John, D. , GERBER, Johan , AGUILARGUIDO, Edgar , CHALLANI, Sanjay , WALSH, Vincent
IPC分类号： G06Q20/00 , G06Q20/32 , G06Q20/36 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3674 , G06Q20/3223 , G06Q20/36 , G06Q20/382 , G06Q20/40 , G06Q20/40145 , G06Q20/4016 , H04L63/166
摘要： A computer-based method for verifying a new user during enrollment to a digital wallet application is provided. The method is implemented using a digital wallet computing device including one or more processors in communication with one or more memory devices. The method includes receiving, from the new user, an enrollment request to the digital wallet application. The enrollment request including attribute data associated with the new user. Calculating an authentication level of the enrollment request based on the attribute data, wherein the authentication level represents a level of confidence that the enrollment request is not fraudulent. The method also includes performing a lookup in the one or more member devices and retrieving an enrollment procedure from a plurality of enrollment procedures for the new user based on the calculated authentication level, and transmitting the enrollment procedure to the new user.
摘要翻译：提供了一种基于计算机的方法，用于在登记到数字钱包应用期间验证新用户。该方法使用包括与一个或多个存储器设备通信的一个或多个处理器的数字钱包计算设备来实现。该方法包括从新用户接收登记请求到数字钱包应用程序。注册请求包括与新用户关联的属性数据。基于属性数据计算登记请求的认证级别，其中认证级别表示登记请求不是欺诈的置信级别。该方法还包括在一个或多个成员设备中执行查找并基于计算出的认证级别从新用户的多个登记过程中检索登记过程，并将登记过程发送给新用户。

3. 发明申请

WO2017132336A1 INFORMATION TRANSACTION INFRASTRUCTURE 审中-公开
标题翻译：信息交易基础设施
公开(公告)号：WO2017132336A1
公开(公告)日：2017-08-03
申请号：PCT/US2017/015070
申请日：2017-01-26
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： GOLOSHCHUK, Vladimir
IPC分类号： G07G3/00 , G06Q20/06 , G06Q20/08 , G06Q20/36 , G06Q20/40
CPC分类号： G06Q20/0655 , G06Q20/065 , G06Q20/0855 , G06Q20/3674 , G06Q20/3678 , G06Q20/401 , G06Q2220/00
摘要： A method of transferring information with verification from a first party to a second party using suitably programmed computing apparatus is described. Information from a first party private address to a first party public address. This information is then sent from the first party public address to a second party address. The information is also provided for public recordal on a block of a block chain for verification. The first party private address is not communicated to the second party but the first party public address is communicated to the second party. This approach is particularly suitable for transfer of cryptocurrency, as it allows for an effective refund mechanism. Computing apparatus and application software adapted to implement this approach is also described.
摘要翻译：描述了一种使用适当编程的计算装置将信息与来自第一方的验证转移到第二方的方法。从第一方私人地址到第一方公共地址的信息。该信息然后从第一方公共地址发送到第二方地址。该信息还提供公共记录在块链中进行验证。第一方私人地址不传达给第二方，但第一方公共地址传达给第二方。这种方法特别适用于加密货币的转移，因为它允许有效的退款机制。还描述了适用于实施该方法的计算设备和应用软件。

4. 发明申请

WO2017127883A1 SYSTEM AND METHOD FOR SECURE TRANSACTING 审中-公开
标题翻译：用于安全事务的系统和方法
公开(公告)号：WO2017127883A1
公开(公告)日：2017-08-03
申请号：PCT/AU2017/000029
申请日：2017-01-28
申请人： XARD GROUP PTY LTD
发明人： WILSON, Robert
IPC分类号： G06Q20/34 , G06Q20/36 , G06Q20/08
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： Digital transaction apparatus operable with a plurality of digital tokens, each digital token associated with one digital transaction document, and each digital transaction document associated with one or more digital tokens, wherein each digital token represents a tokenized associated digital transaction document, for a digital transaction with at least one digital transaction device, the digital transaction apparatus including, a Data Assistance Device (DAD) including a user interface and a DAD transmitter, and a Digital Transaction Card (DTC) including a DTC receiver and a Digital Transaction Processing Unit (DTPU), wherein the apparatus is configured for storing at least one of the plurality of digital tokens and the DAD is configured to allow selection of one of the stored at least one digital token by the user interface and transmit the selection to the DTC, and, wherein the DTC is configured to implement the selected digital token, such that the DTC is enabled to operate as the tokenized associated digital transaction document represented by the selected digital token.
摘要翻译：可与多个数字令牌一起使用的数字交易装置，每个数字令牌与一个数字交易文件相关联，并且每个数字交易文件与一个或多个数字令牌相关联，其中每个数字令牌表示令牌化相关联的数字交易文件，用于与至少一个数字交易装置进行数字交易，所述数字交易装置包括：包括用户界面和DAD发射器的数据辅助装置（DAD）;以及包括DTC接收器的数字交易卡（DTC）和数字交易处理单元（DTPU），其中所述装置被配置用于存储所述多个数字令牌中的至少一个，并且所述DAD被配置为允许通过所述用户接口选择所存储的至少一个数字令牌中的一个，并且发送对DTC的选择，并且其中DTC被配置为实现所选择的数字令牌，使得DTC被启用以使o 作为由所选数字标记表示的标记化关联数字交易文档

5. 发明申请

WO2017120228A1 UNIVERSAL ACCESS TO AN ELECTRONIC WALLET 审中-公开
标题翻译：通用访问电子钱包
公开(公告)号：WO2017120228A1
公开(公告)日：2017-07-13
申请号：PCT/US2017/012180
申请日：2017-01-04
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： KUSNANTO, Sidharta, Surya , SHAHANE, Santosh
IPC分类号： G06Q30/00 , G06Q30/06 , G06Q20/40 , G06Q20/32
CPC分类号： G06Q20/3674 , G06F21/335 , G06Q20/10 , G06Q20/401 , G06Q20/4012 , G06Q20/40145 , G06Q20/407 , H04L63/0807 , H04L63/0861 , H04L67/02 , H04L67/2814 , H04L2463/102 , H04W4/00
摘要： The described system and method allows a contact such as a mobile phone number to be associated with a specific mobile wallet account and by submitting a mobile phone number to an ecommerce site, a URL will be communicated to the contact which opens the payment wallet with the relevant information from the ecommerce transaction.
摘要翻译：所描述的系统和方法允许诸如移动电话号码之类的联系人与特定的移动钱包账户相关联，并且通过将移动电话号码提交给电子商务网站，URL将被传送给用电子商务交易中的相关信息打开支付钱包的联系人。

6. 发明申请

WO2017096300A1 UNIQUE CODE FOR TOKEN VERIFICATION 审中-公开
标题翻译：用于证实验证的唯一代码
公开(公告)号：WO2017096300A1
公开(公告)日：2017-06-08
申请号：PCT/US2016/064817
申请日：2016-12-02
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： LAXMINARAYANAN, Prasanna , KUMNICK, Phillip , VASU, Madhu
IPC分类号： H04L9/32 , H04L29/06
CPC分类号： G06Q20/4018 , G06Q20/02 , G06Q20/12 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/385 , G06Q20/40 , G06Q20/4014 , G06Q20/405 , G07C9/00126 , H04L63/062 , H04L63/0807 , H04L63/0892 , H04L2209/56 , H04L2463/121
摘要： A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.
摘要翻译：公开了一种用于令牌凭证的方法。除了令牌之外，还可以为每个交互提供验证值。验证值可以至少部分地基于动态数据元素来生成。动态数据元素可以保密，而验证值可以在交互期间分发以供使用。当使用验证值时，可以通过至少基于存储的动态数据元素重新创建验证值来验证它。

7. 发明申请

WO2017091594A1 SYSTEM AND METHOD OF PROVIDING SUPPLEMENTAL INFORMATION IN A TRANSACTION 审中-公开
标题翻译：在交易中提供补充信息的系统和方法
公开(公告)号：WO2017091594A1
公开(公告)日：2017-06-01
申请号：PCT/US2016/063373
申请日：2016-11-22
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION
发明人： RAJURKAR, Pankaj , KULPATI, Ashish , NAYA, Koni Uttam , HARIHARAN, Gurumoorthy
IPC分类号： G06Q30/06 , G06Q20/32
CPC分类号： G06Q20/3674 , G06Q20/102 , G06Q20/401 , G06Q30/0601 , G06Q2220/00
摘要： A system and a method in which supplemental information related to a first entity of a transaction is provided to a second entity of the transaction are provided. In a method conducted at an authorization server associated with the user, a transaction message including an amount associated with the transfer of funds, an account identifier of the recipient, and an access credential of the user is received from a mobile device of the user. In some embodiments, if a permission indication indicates that the requested supplemental information may be shared with the recipient, a transaction request message is generated including the amount, the account identifier and the requested supplemental information. A response message is transmitted for receipt by a transport computer associated with the recipient for processing the transaction and conditional forwarding of the requested supplemental information to the recipient.
摘要翻译：提供了与交易的第一实体相关的补充信息被提供给交易的第二实体的系统和方法。在与用户相关联的授权服务器处进行的方法中，从用户的移动设备接收包括与资金转移相关的金额，接收者的账户标识符以及用户的访问凭证的交易消息。在一些实施例中，如果许可指示指示所请求的补充信息可与接收方共享，则生成包括金额，账户标识符和所请求的补充信息的交易请求消息。发送响应消息以供与收件人相关联的运输计算机接收，用于处理交易并将所请求的补充信息有条件地转发给收件人。

8. 发明申请

WO2017087335A1 NETWORK BRIDGE FOR LOCAL TRANSACTION AUTHORIZATION 审中-公开
标题翻译：用于本地事务授权的网络桥
公开(公告)号：WO2017087335A1
公开(公告)日：2017-05-26
申请号：PCT/US2016/061930
申请日：2016-11-14
申请人： E2INTERACTIVE. INC. D/BA/ E2INTERACTIVE. INC.
发明人： ORROCK, Andrew , VIELEHR, David
IPC分类号： G06Q20/20 , G06Q20/40
CPC分类号： G06Q20/204 , G06Q20/342 , G06Q20/3674 , G06Q20/403 , G06Q20/409
摘要： In general, the present invention is directed to an apparatus for locally processing stored value card transactions, the apparatus proximate to a tetailer point-of-sale (POS) or host, the apparatus in communication with the POS or host and a stored value card processor and configured to: receive a transaction request; determine if the transaction request should he passed through to the stored value card processor or decided upon locally; if the transaction request should be passed through: communicate such request to the stored value card processor; upon receiving a certain response from stored value card processor,, or from the attempted communication with the stored value card processor,, locally overriding the response of the stored value card processor or deciding upon the transaction request locally; if the transaction request should not he passed through: locally deciding the transaction request; and communicating a transaction request response back to the POS or host
摘要翻译：一般来说，本发明针对一种用于本地处理储值卡交易的设备，该设备靠近四分之一销售点（POS）或主机，与该设备通信的设备 POS或主机以及储值卡处理器，并被配置为：接收交易请求; 确定交易请求是否应该传递给储值卡处理器或本地决定; 如果交易请求应该通过：将这种请求传递给储值卡处理器; 一旦从储值卡处理器或从与储值卡处理器的尝试通信接收到特定响应，则本地超控储值卡处理器的响应或本地决定交易请求; 如果交易请求不应该通过：本地决定交易请求; 并将交易请求响应传送回POS或主机

9. 发明申请

WO2017069403A1 MOBILE TERMINAL AND METHOD FOR CONTROLLING THE SAME 审中-公开
标题翻译：移动终端及其控制方法
公开(公告)号：WO2017069403A1
公开(公告)日：2017-04-27
申请号：PCT/KR2016/010079
申请日：2016-09-08
申请人： LG ELECTRONICS INC.
发明人： HAN, Dongsu , KIM, Hyunjin , SONG, Hyewon , KIM, Boram
IPC分类号： G06Q20/16 , G06Q20/32 , G06Q20/40 , G06K9/00
CPC分类号： G06Q20/3227 , G06Q20/3674 , G06Q20/40145 , H04L63/0861 , H04W4/60 , H04W12/06
摘要： A mobile terminal and a method for controlling the same are disclosed. The mobile terminal includes a display unit and a controller configured to execute a specific application related to a payment, wherein a plurality of payment cards are associated with the specific application, change the terminal to a payment ready state and cause the display to display a selected payment card of the plurality of payment cards, and generate one-time payment information and a token value and perform the payment when a first input is received in the payment ready state, or change the terminal to a payment waiting state and cause the display to change the displayed payment card to a specific indicator when a second input is received in the payment ready state.
摘要翻译：公开了一种移动终端及其控制方法。该移动终端包括显示单元和控制器，该控制器被配置为执行与支付相关的特定应用，其中多个支付卡与特定应用相关联，将终端改变为支付就绪状态并使显示器显示选择的当在支付就绪状态下接收到第一输入时，生成一次性支付信息和令牌值并执行支付，或者将终端改变为支付等待状态，并使显示器当在付款就绪状态下接收到第二个输入时，将显示的支付卡更改为特定指示。

10. 发明申请

WO2017062192A1 METHOD AND SYSTEM FOR IDENTIFICATION OF CREDENTIALS STORED IN A COMPUTING DEVICE 审中-公开
标题翻译：用于识别存储在计算设备中的凭证的方法和系统
公开(公告)号：WO2017062192A1
公开(公告)日：2017-04-13
申请号：PCT/US2016/053276
申请日：2016-09-23
申请人： MASTERCARD INTERNATIONAL INCORPORATED
发明人： DHALA, Amyn , CATELAND, Axel Emile, Jean Charles , BYRD, Nathaniel , KITCHEN, Eric
IPC分类号： G06Q20/36 , G06Q20/32 , G06Q20/38 , G06Q20/40
CPC分类号： G06Q20/3674 , G06Q20/105 , G06Q20/3223 , G06Q20/363 , G06Q20/367 , G06Q20/3821 , G06Q20/4014
摘要： A method for identifying payment credentials using a proxy electronic wallet comprises storing an account profile for a proxy electronic wallet that includes payment credentials for one or more payment accounts and account and/or payment credentials payment accounts associated with one or more paired electronic wallets. An account request is received from a digital entity that indicates the account profile, payment account identifiers are transmitted to a user computing device, a selection of a payment account is received from the user computing device, and a corresponding set of credentials in the account profile are identified. The credentials are then transmitted, where payment credentials are transmitted for use in a transaction, and account credentials are transmitted to an entity associated with the paired electronic wallet for use in identifying and providing corresponding payment credentials.
摘要翻译：使用代理电子钱包识别支付凭证的方法包括存储代理电子钱包的帐户简档，其包括用于一个或多个支付账户的支付凭证以及与一个或多个成对电子钱包相关联的帐户和/或支付凭证支付账户。从指示帐户简档的数字实体接收到帐户请求，将付款帐户标识符发送到用户计算设备，从用户计算设备接收到支付帐户的选择，以及帐户配置文件中相应的一组凭据被识别。然后发送凭证，其中传送支付凭证以用于交易，并且帐户凭证被发送到与配对的电子钱包相关联的实体，以用于识别和提供相应的支付凭证。

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