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61. 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。

62. 发明申请

US20160127348A1 LINKED REGISTRATION 审中-公开
标题翻译：链接注册
公开(公告)号：US20160127348A1
公开(公告)日：2016-05-05
申请号：US14894504
申请日：2014-05-29
申请人： Barclays Bank PLC
发明人： Steven Bradley , Conall O'Brien , Jeremy Goldstone , Andrew Crichton , James Philip Sellwood
IPC分类号： H04L29/06 , H04L9/32 , H04W12/06 , G06F21/42
CPC分类号： H04L63/083 , G06F21/42 , H04L9/3213 , H04L9/3226 , H04L63/067 , H04L63/0807 , H04L63/0838 , H04L2463/061 , H04W4/50 , H04W12/06
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.
摘要翻译：提供了使用服务器系统安全注册新应用程序。系统已经注册了一个旧的应用程序。新应用程序和系统之间的第一个链接建立了第一个密钥，并且首先检查数据从系统传递到新的应用程序并传递给旧的应用程序。旧应用程序和系统之间的第二个链接基于对旧应用程序的凭据的输入建立第二个键; 第一个检查数据从旧应用程序传送到系统。加密的第二检查数据通过第二链路从系统传送到旧应用，并使用第三密钥由旧应用进一步加密。这产生双重加密的检查数据，该数据被传递到新的应用程序，并使用第一个密钥和第四个密钥进行解密，第一个密钥和第四个密钥是基于第一个检查数据生成的新的应用程序，以及向新的应用程序输入凭据。

63. 发明申请

US20160007195A1 USER AUTHENTICATION 有权
标题翻译：用户认证
公开(公告)号：US20160007195A1
公开(公告)日：2016-01-07
申请号：US14676131
申请日：2015-04-01
申请人： Barclays Bank PLC
发明人： Jeremy GOLDSTONE , Dermot John DWYER
IPC分类号： H04W12/06
CPC分类号： H04W12/06 , H04L63/0884 , H04M3/387 , H04M3/42059 , H04M3/493 , H04W88/02 , H04W92/08
摘要： A method of user authentication by an application (1a) on a mobile telephony device (1) comprises authenticating the user by interaction with the application (1a), communicating with a remote authentication service (4) to receive a call identifier; and sending the call identifier within a telephone call to the remote telephony service (9), by means of which the user is authenticated to the remote telephony service (9). The mobile telephony device may receive a service code linked to the remote telephony service, and the call identifier may be based on this code. The service code may be captured or entered manually into the mobile device, or obtained from an application on the mobile device (1), such as a mobile banking application. The call identifier may be hidden within the call using audio steganography. The authentication service (4) may link the user to a remote service account ID, which is sent to the remote server.
摘要翻译：由移动电话设备（1）上的应用（1a）进行的用户认证的方法包括通过与应用（1a）的交互来认证用户，与远程认证服务（4）通信以接收呼叫标识符; 以及将电话呼叫内的所述呼叫标识符发送到所述远程电话服务（9），借助所述呼叫标识将所述用户认证到所述远程电话服务（9）。移动电话设备可以接收链接到远程电话服务的服务代码，并且呼叫标识符可以基于该代码。服务代码可以被手动地捕获或输入到移动设备中，或者从诸如移动银行应用的移动设备（1）上的应用获得。呼叫标识符可以使用音频隐写术隐藏在呼叫中。认证服务（4）可以将用户链接到发送到远程服务器的远程服务帐户ID。

64. 发明申请

US20160005043A1 APPARATUS AND METHOD FOR PURCHASING A PRODUCT USING AN ELECTRONIC DEVICE 审中-公开
标题翻译：使用电子设备购买产品的装置和方法
公开(公告)号：US20160005043A1
公开(公告)日：2016-01-07
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 , G06F17/30 , G06Q20/32
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.
摘要翻译：本公开涉及一种由消费者使用电子设备从商家购买产品的方法和装置。交易标识符和交易信息之间的关联被存储在数据库中，交易信息包括与商家信息相关联的商家标识符和交易量。消费者可以通过将交易标识符提供给电子设备上的应用并将交易标识符从应用传送到交易处理服务器来购买产品。根据数据库上的交易信息，将交易标识符的商家信息和交易量从交易处理服务器发送到应用程序，并使用应用程序完成交易。

65. 发明申请

US20150312176A1 Instant Messaging Systems and Methods 审中-公开
标题翻译：即时通讯系统和方法
公开(公告)号：US20150312176A1
公开(公告)日：2015-10-29
申请号：US14691637
申请日：2015-04-21
申请人： Barclays Bank PLC
发明人： Amanda Marie Jones , Paul Henry Arthur Peard
IPC分类号： H04L12/58 , H04L29/08 , H04L29/06
CPC分类号： H04L51/04 , H04L51/063 , H04L51/18 , H04L65/403 , H04L67/10
摘要： Data describing a request to obtain access to an instant messaging system is received from a requesting device. The request to obtain access includes an identifier. A plugin is identified from a data repository based on the identifier in the request. The plugin is adapted to extend an instant messaging application installed on the requesting device. In some aspects, the plugin received during an instant messaging session extends the instant messaging application until the instant messaging session is terminated.
摘要翻译：从请求设备接收到描述获取对即时消息收发系统的访问请求的数据。获取访问请求包括一个标识符。根据请求中的标识符，从数据存储库中识别插件。该插件适用于扩展安装在请求设备上的即时消息应用程序。在某些方面，在即时消息传递会话期间接收到的插件扩展了即时消息接发应用，直到即时消息传递会话终止。

66. 发明申请

US20150310430A1 MOBILE PAYMENT SYSTEM AND METHOD 审中-公开
标题翻译：移动支付系统和方法
公开(公告)号：US20150310430A1
公开(公告)日：2015-10-29
申请号：US14650160
申请日：2013-12-05
申请人： BARCLAYS BANK PLC
发明人： Jeremy GOLDSTONE
IPC分类号： G06Q20/38 , G06Q20/12 , G06Q20/32
CPC分类号： G06Q20/388 , G06Q20/12 , G06Q20/32 , G06Q20/322 , G06Q20/401
摘要： A merchant web site automatically detects whether a customer device has a registered payment application; if so, the web site 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 authorise the transaction within the payment application.
摘要翻译：商家网站自动检测客户设备是否具有注册支付应用; 如果是，网站会生成一个定制协议消息，该消息在结帐时触发，以通过支付应用程序发起支付。交易的详细信息通过支付服务器传递给支付应用程序，以便用户可以在支付应用程序中授权交易。

67. 发明申请

US20150081495A1 System and Method for Account Succession 审中-公开
标题翻译：帐户继承的系统和方法
公开(公告)号：US20150081495A1
公开(公告)日：2015-03-19
申请号：US14031422
申请日：2013-09-19
申请人： Barclays Bank PLC
发明人： Lee Randall
IPC分类号： G06Q40/02 , G10L17/00
CPC分类号： G06Q40/02
摘要： A system for secured succession of a user account to an authorized successor, including a database storing data identifying a registered successor for an account and associated data defining a biometric signature of the registered successor, a verification module configured to verify the identity of the registered successor based on the biometric signature, and an account transfer module configured to receive an instruction to transfer the account to the registered successor, and to transfer the account to the registered successor after verification of the identity of the successor by the verification module.
摘要翻译：一种用于将用户帐户安全地继承给授权的后继者的系统，包括存储识别帐户的注册后继者的数据的数据库和定义所注册的后继者的生物特征签名的相关联的数据，被配置为验证注册的后继者的身份的验证模块基于所述生物特征签名，以及帐户转移模块，被配置为接收将所述帐户转移到所述注册后继者的指令，并且在所述验证模块验证所述后继者的身份之后将所述帐户转移到所述注册后继者。

68. 发明申请

US20140304013A1 Airport Experience 审中-公开
标题翻译：机场体验
公开(公告)号：US20140304013A1
公开(公告)日：2014-10-09
申请号：US14244574
申请日：2014-04-03
申请人： Barclays Bank PLC
发明人： Matthew Massaus , Catherine Nieburg , Lisa Marie Herberger , Megan Basilio , Kelly Hixon Furman , Peggy Maher Doherty
IPC分类号： G06Q40/02 , G06Q10/02 , G06Q50/14
CPC分类号： G06Q40/025 , G06Q10/02 , G06Q50/14
摘要： A system for credit issuance provides for fully automated credit evaluation and card issuing integrated with travel provider ticketing and reservations. The system includes a travel provider processing system under control of travel provider, a credit card authentication and issuance system working under control of a credit card issue in conjunction with a payment transaction service in a banking system, and a plurality of travelers wishing take advantage of flights, promotions and convenient credit card issuance. Once a traveler books a ticket, information collected during the ticketing process is shared by a travel provider with a credit card issuer. With this information a determination is made by the credit card issuer that the traveler is eligible to receive an offer for a credit card.
摘要翻译：信用发放制度规定了全面自动化的信用评估和卡片发行，与旅行社票务和预订相结合。该系统包括在旅行提供者的控制下的旅行提供者处理系统，在信用卡问题的控制下与银行系统中的支付交易服务一起工作的信用卡认证和发行系统，以及希望利用航班，促销和方便的信用卡发行。一旦旅行者预订票，旅行提供者会与信用卡发卡机构共享票务过程中收集的信息。有了这些信息，信用卡发行商确定旅客有资格收到信用卡的报价。

69. 发明申请

US20140250512A1 USER AUTHENTICATION 审中-公开
标题翻译：用户认证
公开(公告)号：US20140250512A1
公开(公告)日：2014-09-04
申请号：US14349454
申请日：2012-09-25
申请人： BARCLAYS BANK PLC
发明人： Jeremy Goldstone , Dermot Dwyer
IPC分类号： H04L29/06 , H04W12/06
CPC分类号： H04L63/0838 , G06F21/313 , G06F21/36 , G06F2221/2115 , G06Q20/3223 , G06Q20/3272 , G06Q20/3274 , G06Q20/3276 , G06Q20/40145 , G06Q20/4097 , H04L51/04 , H04L63/0853 , H04L63/107 , H04L63/108 , H04L63/18 , H04W12/00522 , H04W12/06
摘要： User Authentication A mobile user authentication application is operable to perform one or more of the following operations: •authenticate a user in a voice call to a telephony service, by passing an authentication code to the telephony service within the voice call [FIGS. 2, 2c]; •validate a user instruction during a secure messaging session [FIG. 3]; and •authenticate a user at a physical local service by obtaining a challenge code at that local service, validating the challenge code with a remote authentication service, obtain a confirmation code from the authentication service and presenting the confirmation code for validation at the local service [FIGS. 4, 4a and 4b].
摘要翻译：用户认证移动用户认证应用可操作以执行以下操作中的一个或多个：•通过将认证码传递到语音呼叫内的电话服务来认证语音呼叫中的用户对电话服务的认证。 2，2c]; •在安全消息传递会话期间验证用户指令。 3]; 以及•通过在该本地服务处获得质询代码来验证物理本地服务上的用户，使用远程验证服务验证挑战代码，从认证服务获得确认代码并在本地服务上呈现用于验证的确认代码[ 图 4,4a和4b]。

70. 发明申请

US20140222670A1 CONTACTLESS PAYMENT APPLICATION MANAGEMENT 审中-公开
标题翻译：不间断的付款申请管理
公开(公告)号：US20140222670A1
公开(公告)日：2014-08-07
申请号：US13756961
申请日：2013-02-01
申请人： BARCLAYS BANK PLC
发明人： Aaron CONCANNON
IPC分类号： G06Q20/32
CPC分类号： G06Q20/3278 , G06Q20/20 , G06Q20/36
摘要： A system and method for completing a financial transaction using contactless payment applications within a mobile device is disclosed. The mobile device may include at least one mobile payment card application and at least one mobile wallet application designed to manage one or more mobile payment card applications stored on the mobile device. Conflicts between the requirements for the mobile payment card application and the wallet application regarding activation of the contactless mobile payment card application may be resolved through the use of payment card and wallet applications stored in the handset of the mobile device, as well as card payment applications, wallet applications, and a platform specifying a framework for managing contactless applications stored in a SIM component of the mobile device.
摘要翻译：公开了一种使用移动设备内的非接触式支付应用来完成金融交易的系统和方法。移动设备可以包括至少一个移动支付卡应用程序和设计用于管理存储在移动设备上的一个或多个移动支付卡应用的至少一个移动钱包应用程序。可以通过使用存储在移动设备的手机中的支付卡和钱包应用以及卡支付应用来解决关于移动支付卡应用和关于非接触式移动支付卡应用激活的钱包应用的需求之间的冲突，钱包应用程序以及指定用于管理存储在移动设备的SIM组件中的非接触应用的框架的平台。

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