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1. 发明公开

EP3462397A2 ISSUING MACHINE AND ISSUING SYSTEM 审中-公开
公开(公告)号：EP3462397A2
公开(公告)日：2019-04-03
申请号：EP18000824.5
申请日：2006-06-09
申请人： Sato, Michihiro
发明人： Sato, Michihiro , Shankar, A. Udaya
IPC分类号： G06Q30/00 , G06Q40/00 , G06Q40/02 , G06Q40/04 , G06Q40/06
CPC分类号： G06Q40/02 , G06Q30/00 , G06Q40/00 , G06Q40/04 , G06Q40/06
摘要： An issuing system for issuing unmodifiable and/or unforgeable hardcopy documents or securities includes a server and a plurality of issuing machines connected to the server via a network. Each of the issuing machines receives an ID recording medium provided by a potential purchaser, retrieves an identification recoded in the received ID recording medium, requests the potential purchaser to input request for a transaction of the security or fixed rate financing instrument, processes the requested transaction by retrieving information via a network from the server, and prints out on demand a hardcopy of the security or fixed rate financing instrument as purchased by the potential purchaser and a checksum thereon. A method for forming a new market with the issuing system.

2. 发明授权

EP2596466B1 SYSTEM AND METHOD FOR INSTANT ISSUE OF PERSONALIZED FINANCIAL TRANSACTION CARDS 有权
公开(公告)号：EP2596466B1
公开(公告)日：2018-12-26
申请号：EP11810277.1
申请日：2011-07-19
申请人： CPI Card Group - Tennessee, Inc.
发明人： SMITH, Bobby , WHITE, James
IPC分类号： G06Q20/10 , G06Q20/34
CPC分类号： G06Q20/105 , G06Q20/4012 , G06Q40/02
摘要： In a method for instantly issuing a personalized financial transaction card to a customer a bank employee receives customer information and card information from the customer at a branch location. The card information may include a card personal identification number (PIN) selected by the customer. The operator inputs the customer information and at least some the card information into a data processing terminal at the branch. The customer information and the card information are communicated from the branch across a network to a card services provider. At the card services provider, the PIN is entered into a PIN database and a reference number associated with the customer and a PIN offset is generated. The reference number and at least some of the customer data and card data may be stored in a card file associated with the customer. The reference number is used to retrieve the PIN from the PIN database. The retrieved PIN is then used to apply calculations to the card file. The card file is securely sent from the card services provider across the network to the branch location. Using information from the card file, the financial transaction card is printed for the customer at the branch location. In a preferred embodiment, the personalized card is instantly issued while the customer is present at the branch location.

3. 发明公开

EP3391326A1 SYSTEMS AND METHODS FOR PREDICTING CHARGEBACKS 审中-公开
公开(公告)号：EP3391326A1
公开(公告)日：2018-10-24
申请号：EP16808865.6
申请日：2016-11-18
申请人： Mastercard International Incorporated
发明人： SENCI, David, J. , POPE, Michael, J. , YANG, Peng
IPC分类号： G06Q40/02 , G06Q20/40
CPC分类号： G06Q20/407 , G06Q20/4016 , G06Q20/405 , G06Q40/02
摘要： A chargeback processing computing device is provided. The chargeback processing computing device may include a chargeback prediction module configured to extract transaction information about a plurality of transactions authorized using an account, an account profile information module configured to extract account profile information, the account profile information comprising historical chargeback information about the plurality of transactions authorized using the account, a model generating module configured to generate a chargeback prediction model for the account based on the extracted transaction information and the account profile information, a receiver configured to receive a candidate transaction paid for using the account, wherein the chargeback prediction module is configured to extract transaction information from the candidate transaction, and a processor configured to generate a chargeback prediction score indicating a likelihood that the candidate transaction will result in a chargeback based on the extracted transaction clearing information and the generated chargeback prediction model.

4. 发明公开

EP3364363A1 TRANSACTION CRYPTOGRAM 审中-公开
公开(公告)号：EP3364363A1
公开(公告)日：2018-08-22
申请号：EP17157269.6
申请日：2017-02-21
申请人： Mastercard International Incorporated
发明人： SMETS, Patrik , WARD, Michael , MAIN, Jonathan James , ROBERTS, David Anthony
IPC分类号： G06Q40/02 , G06Q20/36 , G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/3829 , G06F8/60 , G06Q20/3223 , G06Q20/3278 , G06Q20/3674 , G06Q20/3821 , G06Q20/3823 , G06Q20/4014 , G06Q40/02 , G06Q2220/00 , H04L9/0897 , H04L2209/56 , H04L2209/80 , H04W12/04 , H04W12/06
摘要： A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction

5. 发明授权

EP3050250B1 SYSTEMS AND METHODS FOR AUTHENTICATION USING A DEVICE IDENTIFIER 有权
公开(公告)号：EP3050250B1
公开(公告)日：2018-08-08
申请号：EP14849565.8
申请日：2014-08-28
申请人： PayPal, Inc.
发明人： METRAL, Max Edward
IPC分类号： H04L9/32 , H04L29/06 , H04W12/06
CPC分类号： H04W12/06 , G06Q20/10 , G06Q40/02 , H04L63/0807 , H04L63/083 , H04L63/0861 , H04L63/0876 , H04L63/10
摘要： Systems and methods are disclosed which may allow a user having a mobile device to automatically authenticate to a server using a device identifier associated with the mobile device. An access point may be configured to send the device identifier as well as additional identifying information to the server so that the device identifier can be accurately matched to the mobile device. Then, when the mobile device submits a credential during authentication, the device identifier and the credential may be matched such that the next time the server receives the device identifier from the access point, the mobile device may be automatically authenticated.

6. 发明公开

EP3349170A1 NOTIFICATION SERVICE PROCESSING APPARATUS ON BASIS OF INTERNET MESSAGE TRANSMISSION AND OPERATION METHOD THEREFOR 审中-公开
公开(公告)号：EP3349170A1
公开(公告)日：2018-07-18
申请号：EP16844540.1
申请日：2016-03-23
申请人： Enigma Co., Ltd.
发明人： LIM, Hyunjin
IPC分类号： G06Q40/02 , G08B21/18
CPC分类号： H04L51/34 , G06Q40/02 , G08B21/18 , H04L51/24 , H04L51/38
摘要： Disclosed are an Internet-message-based notification service providing apparatus and an operating method thereof. The present invention may provide an apparatus and method capable of providing a notification message service for preventing financial fraud, to a user free of charge by using a currently widely used Internet-based message service. The present invention may also provide a technology capable of successfully providing a notification message to a user by re-sending the notification message in the form of a mobile text message if the user does not read the notification message sent to the user by using an Internet-based message service.

7. 发明公开

EP3332381A1 FACILITATING TRANSFER OF CASH INVENTORIES BETWEEN ENTITIES 审中-公开
公开(公告)号：EP3332381A1
公开(公告)日：2018-06-13
申请号：EP16833447.2
申请日：2016-05-25
申请人： Giesecke+Devrient Currency Technology GmbH
发明人： NGUYEN, Keith
IPC分类号： G06Q40/02 , G06Q30/02 , G06Q40/04 , G06Q50/10
CPC分类号： G07D7/181 , G06Q10/087 , G06Q30/02 , G06Q40/02 , G07D7/003
摘要： A method and system performing the method includes receiving currency inventory information from a plurality of cash-points. The method also includes receiving a currency shipment request from a first cash-point. The method further includes determining a set of eligible cash-points from the plurality of cash-points based on the currency inventory information, each eligible cash-point being associated with a respective currency inventory having sufficient currency reserves to fulfill the currency shipment request. The method still further includes receiving an offer from each eligible cash-point, each offer indicative of an asking price for fulfilling the currency shipment request. The method additionally includes determining a selected cash-point to fulfill the currency shipment request based on the offers. The method even further includes initiating shipment of currency from the selected cash-point to the first cash-point.

8. 发明公开

EP3317841A1 CONVERTIBLY TRIGGERED INSURANCE SYSTEM WITH A LAYERED TRIGGER STRUCTURE AND CORRESPONDING METHOD THEREOF 审中-公开
标题翻译：具有分层触发器结构的转换触发保险系统及其相应的方法
公开(公告)号：EP3317841A1
公开(公告)日：2018-05-09
申请号：EP15732277.7
申请日：2015-06-30
申请人： Swiss Reinsurance Company Ltd.
发明人： TRÖHLER, Claudio , SCHÄFLI, Andreas , BOSCH, Alexander , POWER, Sherman , RODER, Patrick , SCASCIGHINI, Andrea
IPC分类号： G06Q40/08 , G06Q10/10
CPC分类号： G06Q40/08 , G06Q10/063 , G06Q10/0635 , G06Q10/10 , G06Q40/02 , G06Q50/10 , G06Q50/22
摘要： A system for providing a dynamically morphing, self-sufficient risk protection structure, the system including: risk exposure components that are connected to a first insurance system of the system and that transfer risk exposure associated with an occurrence of defined risk events from the risk exposure components to the first insurance system based on equitable, mutually aligned first risk transfer parameters and correlated aligned first payment transfer parameters, and the first insurance system that is connected to a second insurance system of the system and that transfers risk exposure associated with the occurrence of the defined risk events from the first insurance system to the second insurance system based on equitable, mutually aligned second risk transfer parameters and correlated aligned second payment transfer parameters.

9. 发明公开

EP3316206A1 SYSTEM, METHOD AND COMPUTER PROGRAM FOR SECURE CUSTOMER ACCOUNT OPENING 审中-公开
标题翻译：用于安全客户账户开立的系统，方法和计算机程序
公开(公告)号：EP3316206A1
公开(公告)日：2018-05-02
申请号：EP17198297.8
申请日：2017-10-25
申请人： IDscan Biometrics Limited
发明人： THOMPSON, Tamlyn
IPC分类号： G06Q40/02 , G06Q20/40 , G06Q20/10
CPC分类号： G06Q40/02 , G06Q20/108 , G06Q20/4014
摘要： A system, method and computer program for secure customer account opening, e.g. for secure digital customer account opening.
An operator specifies a set comprising one or more types of identity documents and one or more types of commercial identity documents which the operator will accept as proof of identity or address of the identity document holder. A new customer submits an image of an ID document and a selfie. If the selfie matches an ID facial photo, personal details of the new customer are determined from the submitted ID image and an electronic identification and verification (eID&V) of the new customer is performed. If the eID&V step is successful, a new account is opened and the new customer is allowed to deposit funds. A unique identifier is transferred to the new customer, which may be used together with an image of an ID document or a commercial entity document to withdraw funds from the account.
摘要翻译：用于安全客户开户的系统，方法和计算机程序，例如为安全的数字客户账户开放。运营商指定一套包括一种或多种类型的身份证件和一种或多种商业身份证件，经营者将接受该身份证件作为身份证件持有者的身份证明或地址证明。新客户提交身份证件和自拍照的图像。如果自拍匹配ID面部照片，则从提交的ID图像确定新客户的个人详细信息，并执行新客户的电子标识和验证（eID＆V）。如果eID＆V步骤成功，则会打开一个新帐户，并允许新客户存入资金。一个唯一的标识符被转移到新的客户，这可能与一个身份证件或商业实体文件的图像一起使用，从账户中提取资金。

10. 发明公开

EP3163465A4 METHOD AND DEVICE FOR DATA MINING BASED ON USER'S SEARCH BEHAVIOUR 审中-公开
公开(公告)号：EP3163465A4
公开(公告)日：2018-03-14
申请号：EP14895487
申请日：2014-06-25
申请人： BEIJING BAIDUPAY SCIENCE AND TECH CO LTD
发明人： LIU CHENG , YANG JUN , JIA YUNFEI , ZHANG CHI
IPC分类号： G06F17/30 , G06Q30/02 , G06Q40/02
CPC分类号： G06Q40/02 , G06F17/30 , G06F17/30522 , G06F17/30539 , G06F17/30864 , G06F17/30867 , G06F2216/03 , G06Q30/0204
摘要： The present invention provides a method for performing data mining based on search behavior of a user. According to one aspect of the present invention, a method for financial data mining is provided, where the method includes the following steps: acquiring search behavior information of a plurality of users; and determining, based on the search behavior information of the plurality of users, financial instruments corresponding to search behavior of the plurality of users, where the method further includes: determining, based on the determined financial instrument corresponding to each search behavior of the plurality of users, user attention information corresponding to each of the determined financial instruments. According to another aspect of the present invention, a method for providing financial instrument information to users is provided, where the method includes: acquiring search behavior information of a plurality of users; determining financial need related characteristics of the users based on the search behavior information of the users; and grouping the plurality of users into a plurality of user groups according to the determined financial need related characteristics of the users, where each of the user groups has a financial need related characteristic, where the method further includes: determining a financial instrument corresponding to each of the user groups by matching the financial need related characteristic of each of the user groups with instrument characteristics of a plurality of financial instruments. As compared with the prior art, in the present invention, financial instrument information of interest to users is obtained by mining data from search behavior of the user, so that accurate and objective data support can be provided for financial institutions to provide financial instruments that meet user needs, and the users can be provided with financial instruments that meet their actual needs.

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