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1. 发明申请

WO2019052113A1 投保费用支付方法、装置、终端设备及介质审中-公开
公开(公告)号：WO2019052113A1
公开(公告)日：2019-03-21
申请号：PCT/CN2018/074881
申请日：2018-01-31
申请人：平安科技(深圳)有限公司
发明人：李毅
IPC分类号： G06Q40/08
CPC分类号： G06Q20/382 , G06Q20/403 , G06Q40/08
摘要：本申请适用于金融交易技术领域，提供了投保费用支付方法、装置、终端设备及介质。该投保费用支付方法包括：接收目标用户发送的投保指令，根据投保指令确定目标用户的投保费用；向目标用户发送一个是否进行信用卡分期支付的第一提示；若接收到目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向目标用户发送信用卡号获取请求；接收目标用户根据信用卡号获取请求返回的目标信用卡号；若根据目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用目标信用卡分期支付投保费用，减轻用户财务负担，方便用户购买保险，减少现金交易，提高金融产品交易的安全性，提升保险产品的销售和信用卡发卡机构的信用卡交易量水平。

2. 发明申请

WO2016010884A1 SYSTEMS AND METHODS FOR MANAGEMENT OF MOBILE BANKING RESOURCES 审中-公开
标题翻译：用于管理移动银行资源的系统和方法
公开(公告)号：WO2016010884A1
公开(公告)日：2016-01-21
申请号：PCT/US2015/040122
申请日：2015-07-13
申请人： JPMORGAN CHASE BANK, N.A.
发明人： KURSUN, Eren , LEE, Sih
IPC分类号： G06Q20/00
CPC分类号： G06Q30/0609 , G06Q20/32 , G06Q20/3224 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/4016 , G06Q20/403 , G06Q30/06 , G07F19/20 , G07F19/207
摘要： Systems and methods for the management of mobile banking resources are disclosed. In one embodiment, a self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.
摘要翻译：披露了用于管理移动银行资源的系统和方法。在一个实施例中，自推进的移动交易资源可以包括无人的，自行式的移动平台; 用于与用户进行交易的用户接口; 至少一个控制器，其控制移动平台和用户接口的移动; 用于与服务器通信的所述至少一个控制器的通信接口; 以及捕获用户的至少一个特征的多个传感器。

3. 发明申请

WO2014194819A1 一种公共交通电子系统审中-公开
公开(公告)号：WO2014194819A1
公开(公告)日：2014-12-11
申请号：PCT/CN2014/079126
申请日：2014-06-04
申请人：袁义青
发明人：袁义青
IPC分类号： G06Q20/32
CPC分类号： G07B15/00 , G06Q20/3224 , G06Q20/327 , G06Q20/3278 , G06Q20/403 , G08G1/123 , H04W4/046
摘要：本发明公开了一种公共交通电子系统，集成至少一种无线通讯系统，在乘客上车刷手机的同时或稍后，检测手机主人信息，核实或冻结与该乘客手机相应的账号内全额票款的资金或透支额度，当资金或透支额度不足全额票款或低于某一数值时，则会有请投币或请充值提示，在乘客下车后，通过车载电子设备对乘客手机无线通讯系统的检测或通讯，自动判定该乘客已下车或通过对车载电子设备与乘客手机之间距离关系或位置关系的判断，自动判定乘客已下车，同时或稍后扣除乘客所需支付的票款。本发明的有益效果是精确的计算出乘客所乘坐的具体里程，合理收取乘客的车费，降低资金收付成本，合理的规划设计公交线路，提高公交资源的利用率。

4. 发明申请

WO2013175437A1 A METHOD FOR RECOMMENDING PREFERRED LOCATIONS FOR SHIPPING PRODUCTS AND A DISTRIBUTED NETWORKING SYSTEM THEREOF 审中-公开
标题翻译：一种建议运输产品优先位置的方法及其分布式网络系统
公开(公告)号：WO2013175437A1
公开(公告)日：2013-11-28
申请号：PCT/IB2013/054297
申请日：2013-05-24
申请人： BATCHU, Sumana, Krishnaiahsetty
发明人： BATCHU, Sumana, Krishnaiahsetty
IPC分类号： G06Q50/00 , G06Q10/08
CPC分类号： G06Q10/06 , G06Q20/0655 , G06Q20/403
摘要： The present disclosure relates to method and system to recommend locations for shipping products in an ecommerce system. In an embodiment of transaction between business entity and individual, the preferred shipping locations of a service provider are matched with that of the consumer, sorted based on finding a match and based on location proximity and then recommended as possible alternative shipping locations with lesser cost. The method of the present disclosure results in lesser shipping charges for both the consumer and the service provider.
摘要翻译：本公开涉及在电子商务系统中推荐运送产品的位置的方法和系统。在商业实体和个人之间的交易的实施例中，服务提供商的优选运送位置与消费者的优选运送位置相匹配，其基于找到匹配并基于位置邻近进行排序，然后作为可能的替代运送位置被推荐为较低成本。本公开的方法导致消费者和服务提供商的运输费用较低。

5. 发明申请

WO2011008625A1 SYSTEMS AND METHODS FOR TRANSACTION PROCESSING USING A SMARTCARD 审中-公开
标题翻译：使用智能卡进行交易处理的系统和方法
公开(公告)号：WO2011008625A1
公开(公告)日：2011-01-20
申请号：PCT/US2010/041330
申请日：2010-07-08
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , MORGAN, Robert, E. , SETH, Hitesh
发明人： BISHOP, Fred , MORGAN, Robert, E. , SETH, Hitesh
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/403
摘要： Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.
摘要翻译：公开了使用支付系统目录促进商业交易。支付目录和/或无线销售点（POS）设备可以被配置为使用预定规则，多个数据项和/或条件来定位支付系统，并且将支付授权请求从远程位置发送到至少一个支付系统，直接或通过支付系统目录和/或SSL网关。智能卡可以用作支付目录和/或支付系统。

6. 发明申请

WO2010083113A1 SYSTEMS FOR LOCATING A PAYMENT SYSTEM UTILIZING A POINT OF SALE DEVICE 审中-公开
标题翻译：用于定位使用销售装置点的付款系统的系统
公开(公告)号：WO2010083113A1
公开(公告)日：2010-07-22
申请号：PCT/US2010/020582
申请日：2010-01-11
申请人： AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. , BISHOP, Fred , SAUNDERS, Peter, D.
发明人： BISHOP, Fred , SAUNDERS, Peter, D.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/04 , G06Q20/02 , G06Q20/12 , G06Q20/20 , G06Q20/202 , G06Q20/207 , G06Q20/403
摘要： A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
摘要翻译：销售点（POS）设备可以被配置为定位支付系统，并且直接地或经由支付系统目录和/或SSL网关从远程位置向支付系统发送支付授权请求。本发明还包括将第三方帐户信息插入到支付请求的加密部分中，因此支付请求以正常请求的形式出现给开证行，但第三方帐户信息可被第三方用于对该客户收费。支付系统目录还被配置为确定一个或多个支付处理器来指示支付授权请求，使得可以在多个支付处理器之间分配单个交易以进行授权。此外，支付系统目录能够将替代支付方式格式化为能够通过现有支付网络进行处理的格式。

7. 发明申请

WO2010066020A1 SYSTEMS AND METHODS FOR AUTHENTICATING FINANCIAL TRANSACTIONS INVOLVING FINANCIAL CARDS 审中-公开
标题翻译：认定涉及金融资产的财务交易的制度及方法
公开(公告)号：WO2010066020A1
公开(公告)日：2010-06-17
申请号：PCT/CA2009/000511
申请日：2009-04-16
申请人： UNIVERSAL TRANSACTION SYSTEMS LIMITED , MARCH, Albert, D. , GODDARD, Matthew
发明人： MARCH, Albert, D. , GODDARD, Matthew
IPC分类号： G06Q20/00 , G01S5/14 , G06K19/07 , G06K19/073 , G06K7/00 , G06F7/12 , H04L9/00
CPC分类号： G06Q20/10 , G01S5/0027 , G01S19/14 , G06Q20/00 , G06Q20/28 , G06Q20/3224 , G06Q20/341 , G06Q20/3415 , G06Q20/3674 , G06Q20/403 , G06Q20/4097 , G06Q40/00 , G07F7/1008 , G07F19/20 , G07F19/202
摘要： A system for authenticating financial transactions comprising a plurality of financial cards, a plurality of financial terminals, and at least one authorization center connected to the plurality of financial terminals. Each of the financial cards having a card data storage device for storing identification data, and a GPS module for generating geographical position indicative of a current geographical position of the financial card. Each of the financial terminals having a card reader configured to receive one of the financial cards and access the identification data and geographical position data associated therewith. The Authorization center is configured to receive transactional data associated with a financial transaction, the transactional data including the identification data and the geographical position data for the particular financial transaction involving a particular financial terminal and a particular financial card, and for each financial transaction, determine whether that transaction is potentially fraudulent based on an analysis of the geographical position data for that transaction and previously stored geographical position data related to the particular financial card.
摘要翻译：一种用于认证金融交易的系统，包括多个金融卡，多个金融终端和连接到该多个金融终端的至少一个授权中心。每个金融卡具有用于存储识别数据的卡数据存储装置，以及用于产生指示金融卡的当前地理位置的地理位置的GPS模块。每个金融终端具有读卡器，其被配置为接收金融卡中的一个并访问与之相关联的识别数据和地理位置数据。授权中心被配置为接收与金融交易相关联的交易数据，交易数据包括涉及特定金融终端和特定金融卡的特定金融交易的识别数据和地理位置数据，并且对于每个金融交易，确定基于对该交易的地理位置数据的分析以及与特定金融卡相关的先前存储的地理位置数据，该交易是否具有潜在的欺诈性。

8. 发明申请

WO2009111231A3 A MOBILE WIRELESS FINANCIAL INSTRUMENT FOR AUTOMATICALLY SELECTING A PAYMENT INSTRUMENT 审中-公开
标题翻译：自动选择付款仪器的移动无线金融仪器
公开(公告)号：WO2009111231A3
公开(公告)日：2009-12-30
申请号：PCT/US2009035055
申请日：2009-02-25
申请人： QUALCOMM INC , ROBERTS JOHN R
发明人： ROBERTS JOHN R
IPC分类号： H04K1/00
CPC分类号： G06Q20/24 , G06Q20/10 , G06Q20/20 , G06Q20/202 , G06Q20/204 , G06Q20/32 , G06Q20/322 , G06Q20/3224 , G06Q20/325 , G06Q20/327 , G06Q20/382 , G06Q20/403 , G06Q20/405
摘要： The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.
摘要翻译：说明书和附图描述和说明销售点支付系统。销售点支付系统包括具有至少一个数据处理器的移动无线通信仪器。数据处理器能够自动选择用于通过移动无线通信网络以及如果需要的信用网络传送支付金额的支付工具。销售点支付系统还可以包括用于在无线通信网络和/或数据传输子系统上接收，存储，处理和传送数据的数据传输子系统。

9. 发明申请

WO2009073623A1 SUB-ACCOUNT MECHANISM 审中-公开
标题翻译：子帐户机制
公开(公告)号：WO2009073623A1
公开(公告)日：2009-06-11
申请号：PCT/US2008/085175
申请日：2008-12-01
申请人： BANK OF AMERICA CORPORATION , GIORDANO, Joseph A. , GRIGGS, Christopher R. , BAJAJ, Hitesh , BROWN, Douglas G. , JADE, Vo-Dinh M.
发明人： GIORDANO, Joseph A. , GRIGGS, Christopher R. , BAJAJ, Hitesh , BROWN, Douglas G. , JADE, Vo-Dinh M.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/227 , G06Q20/04 , G06Q20/10 , G06Q20/102 , G06Q20/40 , G06Q20/403 , G06Q40/02
摘要： A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.
摘要翻译：描述用于控制具有一个或多个子帐户的货币账户的系统和方法。建立与实体的货币账户，并确定与货币账户相关联的账户用户。建立与实体的子账户，子账户与货币账户相关联，包括从货币账户转入的货币资金。识别与子帐户相关联的至少一个子帐户用户，其中至少一个子帐户用户与帐户用户不同。由帐户用户放置的一个或多个控件在子帐户和至少一个子帐户用户中的至少一个上建立。至少一个子帐户用户被限制在货币账户中访问货币资金，并且允许帐户用户访问子帐户。

10. 发明申请

WO2009032858A3 ACCOUNT TRANSACTION FRAUD DETECTION 审中-公开
标题翻译：账户交易欺诈检测
公开(公告)号：WO2009032858A3
公开(公告)日：2009-05-07
申请号：PCT/US2008075146
申请日：2008-09-03
申请人： VISA USA INC , SHEETS JOHN FOXE , WAGNER KIM
发明人： SHEETS JOHN FOXE , WAGNER KIM
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/04 , G06Q20/401 , G06Q20/403 , G06Q2220/00
摘要： A merchant conducting a transaction on an account forms transaction data with a sensitive data field. To obscure the account prior to transmitting information about the transaction, for each character in the sensitive data field, a combined character is formed with a character of a generated pad. A replacement character is formed by a modulus operation on the combined character and is stored in the corresponding position in the sensitive data field. A transmission containing the sensitive data field with replacement characters is delivered to the merchant's acquirer. Subsequently, a first transmission is received for another transaction from a merchant that contains transaction data upon an account and a sensitive data field. Using the sensitive data field, an attempt is made to retrieve a transaction data record that contains data from a previous transaction that includes the account upon which the previous transaction was conducted. The sensitive data field, which is encrypted as the corresponding account upon which the previous transaction was conducted, was encrypted by a character-by-character modulo operation using a generated pad. If the transaction data record is retrieved, a second transmission is sent that contains a fraud notification of the attempt to conduct a transaction upon the encrypted account in the sensitive data field. If there is no retrieval of the transaction data record, a third transmission containing a no-fraud notification is sent.
摘要翻译：在账户上进行交易的商家使用敏感数据字段形成交易数据。为了在发送关于交易的信息之前模糊帐户，对于敏感数据字段中的每个字符，组合字符与所生成的垫的字符一起形成。替换字符由组合字符上的模量操作形成，并存储在敏感数据字段中的相应位置。包含具有替换字符的敏感数据字段的传输被传送给商家的收单方。随后，接收来自商户的另一交易的第一次传输，该商户包含帐户和敏感数据字段上的交易数据。使用敏感数据字段，尝试检索包含来自先前交易的数据的交易数据记录，该交易包括进行前一交易的账户。敏感数据字段被加密为上一次事务处理的相应帐户，并通过使用生成的便签以逐字符模运算进行加密。如果检索到交易数据记录，则发送第二次传输，其包含在敏感数据字段中的加密账户上进行交易的企图的欺诈通知。如果没有检索交易数据记录，则发送包含非欺诈通知的第三次传输。

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