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41. 发明申请

US20130221093A1 Payment Transaction Receipt System and Method 审中-公开
标题翻译：付款交易收据系统和方法
公开(公告)号：US20130221093A1
公开(公告)日：2013-08-29
申请号：US13668779
申请日：2012-11-05
申请人： Barclays Bank PLC
发明人： Pratik Patel , James Gardiner
IPC分类号： G06Q20/30
CPC分类号： G06Q20/30 , G06Q20/02 , G06Q20/0453 , G06Q20/3223
摘要： A system and method of providing receipt data for a payment transaction through a transaction receipt portal system are described, in which receipt data is stored for a completed payment transaction received from a remote merchant system, the receipt data being associated with a customer and a merchant registered with the system, and stored receipt data is provided to the associated registered customer or merchant. A card payment transaction involves receiving, by a computing device, an electronic receipt from the merchant system, the electronic receipt including data for retrieving stored receipt data from the transaction receipt portal system.
摘要翻译：描述了通过交易收据门户系统提供用于支付交易的收据数据的系统和方法，其中存储从远程商家系统接收的完成的支付交易的收据数据，所述收据数据与客户和商家相关联向系统注册，并将存储的收据数据提供给相关联的注册客户或商家。卡支付交易涉及由计算设备从商家系统接收电子收据，该电子收据包括用于从交易收据门户系统检索存储的收据数据的数据。

42. 发明申请

US20130060699A1 METHOD AND SYSTEM FOR DIGITAL DOCUMENT MANAGEMENT ON A MOBILE DEVICE 有权
标题翻译：移动设备上数字文档管理的方法和系统
公开(公告)号：US20130060699A1
公开(公告)日：2013-03-07
申请号：US13644690
申请日：2012-10-04
申请人： Barclays Bank PLC
发明人： Amy Sobocinski Romagnoli , Mike Starck , Thomas P. Akana , Loren Barton , Patrick Mesa , Leslie Moore
IPC分类号： G06Q20/40
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/3226 , G06Q20/3227 , G06Q20/3229 , G06Q20/3278 , G06Q20/354 , G06Q20/3552 , G06Q20/40
摘要： A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment transaction. In an embodiment, a user request for a payment account product is transmitted by the portable device to the middleware server. In response, the middleware server initiates a provisioning process for the requested payment account product, including storing status data indicative of an initiated state of the provisioning process. The middleware server then transmits a digital document to the portable device, including information that must be viewed by the user, and updates the status data indicative of a transmitted state of the digital document. In response to receiving an indication that the digital document has been viewed, the middleware server updates the stored status data indicative of a digital document viewed state. The middleware then provisions an electronic wallet data for the requested payment account product to the portable device.
摘要翻译：描述了一种方法和系统，用于跟踪通过中间件服务器向移动支付系统中的便携式设备供应的过程，用于授权支付交易的电子钱包数据。在一个实施例中，用户对支付帐户产品的请求由便携式设备发送到中间件服务器。作为响应，中间件服务器发起所请求的支付帐户产品的供应过程，包括存储指示供应过程的发起状态的状态数据。然后，中间件服务器将数字文档发送到便携式设备，包括必须由用户观看的信息，并更新指示数字文档的发送状态的状态数据。响应于接收到数字文档被查看的指示，中间件服务器更新指示数字文档查看状态的存储的状态数据。然后中间件为便携式设备提供所请求的支付帐户产品的电子钱包数据。

43. 发明授权

US11227285B2 Mobile payment system and method 有权
公开(公告)号：US11227285B2
公开(公告)日：2022-01-18
申请号：US15907855
申请日：2018-02-28
申请人： Barclays Bank PLC
发明人： Jeremy Goldstone
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/32 , G06Q20/12
摘要： A merchant website automatically detects whether a customer device has a registered payment application; if so, the website generates a custom protocol message that is triggered on checkout to initiate payment via the payment application. Details of the transaction are passed to the payment application via a payment server so that the user can authorize the transaction within the payment application.

44. 发明授权

US10713630B2 Apparatus and method for purchasing a product using an electronic device 有权
公开(公告)号：US10713630B2
公开(公告)日：2020-07-14
申请号：US14768904
申请日：2014-02-20
申请人： Barclays Bank PLC
发明人： Jeremy Goldstone , Lawrence Cheng
IPC分类号： G06Q20/40 , G06Q20/32 , G06Q20/10 , G06F16/955 , G06F16/9535 , G06Q20/12 , G06Q10/08
摘要： The present disclosure relates to a method and apparatus for purchasing a product from a merchant by a consumer using an electronic device. An association between a transaction identifier and transaction information is stored in a database, the transaction information comprising a merchant identifier, which is associated with merchant information, and a transaction amount. The consumer may purchase the product by having the transaction identifier provided to an application on an electronic device and transmitting the transaction identifier from the application to a transaction processing server. The merchant information and the transaction amount associated with the transaction identifier is transmitted from the transaction processing server to the application and the transaction completed using the application on the basis of the transaction information on the database.

45. 发明授权

US10699267B2 Secure account provisioning 有权
公开(公告)号：US10699267B2
公开(公告)日：2020-06-30
申请号：US15386487
申请日：2016-12-21
申请人： BARCLAYS BANK PLC
发明人： John Bauer , Glenn Curtiss McMillen , Eric Crozier , Christine Ann Schuetz , Garry Lloyd
IPC分类号： G06Q20/40 , G06Q20/36 , G06Q20/32 , G06Q20/20 , H04L29/12 , G06Q40/00
摘要： A mobile payment system and method are described that facilitates the secure and real time user authentication and activation of a mobile payment account for a user portable electronic device over a communications network.

46. 发明授权

US10332110B2 System and method for authenticating a payment transaction 有权
公开(公告)号：US10332110B2
公开(公告)日：2019-06-25
申请号：US13669781
申请日：2012-11-06
申请人： Barclays Bank PLC
发明人： Pratik Patel , James Gardiner
IPC分类号： G06Q20/40 , G06Q20/32 , H04L29/06 , H04W4/02
摘要： A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

47. 发明申请

US20190172052A1 FACILITATING A LOCATION-SPECIFIC TRANSACTION 审中-公开
公开(公告)号：US20190172052A1
公开(公告)日：2019-06-06
申请号：US16206265
申请日：2018-11-30
申请人： BARCLAYS BANK PLC
发明人： Usman SHEIKH
IPC分类号： G06Q20/32 , G06Q20/08
摘要： A location-specific transaction is facilitated using an electronic system, comprising: a server; and an interaction device. A location identification code is communicated from a short-range communications interface of the interaction device to a user's portable electronic communications device proximate to the location, which communicates it to the server. The server then identifies a location identifier corresponding with the location identification code to the communications device, so that the communications device can send the location identifier to an electronic transaction management system, in order to manage the transaction being effected at the location. Upon a completion of the transaction, the server receives an electronic signal indicating the completion and then communicates a completion instruction to the interaction device, using a separate long-range communications interface of the interaction device. In response to receiving the completion instruction, the interaction device activates a visual indicator to indicate the completion.

48. 发明授权

US10069820B2 Linked registration 有权
公开(公告)号：US10069820B2
公开(公告)日：2018-09-04
申请号：US15685438
申请日：2017-08-24
申请人： Barclays Bank PLC
发明人： Steven Bradley , Conall O'Brien , Jeremy Goldstone , Andrew Crichton , James Sellwood , Anthony Ryan
IPC分类号： H04L29/06 , H04W12/06 , G06F21/42 , H04L9/32 , H04W4/00 , H04W4/50
摘要： Secure registration of a new application with a server system is provided. An old application has been registered with the system. A first link between the new application and the system establishes a first key and first check data is communicated from the system to the new application and passed to the old application. A second link between the old application and the system establishes a second key based on input of a credential to the old application; the first check data is communicated from the old application to the system. Enciphered second check data is communicated from the system to the old application over the second link and further encrypted by the old application using a third key. This generates doubly-enciphered check data which is passed to the new application and decrypted using the first key and a fourth key, generated at the new application based on the first check data and input of the credential to the new application.

49. 发明授权

US09800562B2 Credential recovery 有权
公开(公告)号：US09800562B2
公开(公告)日：2017-10-24
申请号：US14096517
申请日：2013-12-04
申请人： Barclays Bank PLC
发明人： Akhil Lalwani , George French
IPC分类号： H04L29/06 , H04L9/08 , H04W12/04
CPC分类号： H04L63/08 , H04L9/0816 , H04L9/0894 , H04L63/045 , H04L63/0464 , H04L2463/062 , H04W12/04
摘要： In a credential recovery process, a user is authenticated using an application running on a mobile communications device, and requests recovery of a credential. The application generates a session key encrypted with the public key of a gateway, and sends the encrypted key to the gateway. The gateway recovers the credential from a depository, encrypted using a symmetric key shared with the depository. The gateway decrypts the credential and re-encrypts the credential using the session key. Preferably, the decryption and re-encryption is performed within a hardware secure module within the gateway. The re-encrypted credential is sent to the application, which decrypts the credential and outputs it to the user. In this way, the credential is provided securely to the user and may be made available for use immediately, or nearly so.

50. 发明申请

US20160292688A1 ONLINE PAYMENT TRANSACTION SYSTEM 审中-公开
标题翻译：在线支付交易系统
公开(公告)号：US20160292688A1
公开(公告)日：2016-10-06
申请号：US14777827
申请日：2014-03-19
申请人： BARCLAYS BANK PLC
发明人： Loren BARTON , John CONLON
IPC分类号： G06Q20/40 , G06Q20/10 , G06Q20/36 , G06Q20/02
CPC分类号： G06Q20/4016 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/367 , G06Q20/40
摘要： A payment system automatically determines a confidence measure for each payment transaction initiated between a consumer device and a merchant server, based on data associated with the registered consumer and device that is stored by the payment system, and dynamically determines a transaction processing cost for the transaction based on the confidence measure. The payment system can also dynamically determine a set of credential data elements to be requested from the consumer device.
摘要翻译：支付系统基于与由支付系统存储的注册消费者和设备相关联的数据，自动确定在消费者设备和商家服务器之间发起的每个支付交易的置信度量度，并动态地确定交易的交易处理成本基于置信度度量。支付系统还可以动态地确定要从消费者设备请求的一组凭证数据元素。

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