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公开(公告)号：EP3465569A1
公开(公告)日：2019-04-10
申请号：EP17723802.9
申请日：2017-04-19
发明人： KOHLI, Manoneet
摘要： A computer-implemented method for using network data in an automated delivery system is provided. The method is implemented using a delivery validation server in communication with a memory. The method includes receiving an online order originating from a user computer device. The online order includes a delivery address and network information associated with a wireless network associated with the delivery address. The method also includes configuring a delivery device based on the network information and the delivery address, and receiving a delivery confirmation message transmitted from the delivery device through the wireless network associated with the delivery address. The delivery device is connected to the wireless network based on the network information.
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3.发明公开
公开(公告)号：EP3227845A4
公开(公告)日：2018-07-18
申请号：EP15865573
申请日：2015-12-03
CPC分类号： G06Q20/3572 , G06Q20/322 , G06Q20/3278 , G06Q20/347
摘要： Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. The mobile device then receives one or more cryptographic keys, generates an unpredictable number (UN), generates dynamic CVC3 data based on the UN, and then assembles emulated magnetic stripe data. During initiation of a purchase transaction, the mobile device processor transmits the emulated magnetic stripe data to a communications interface associated with a merchant device.
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公开(公告)号：EP3245626A4
公开(公告)日：2018-07-04
申请号：EP16737691
申请日：2016-01-12
发明人： BLINOV MIKHAIL , COBURN GREGORY
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q20/4037 , G06Q20/4093
摘要： A method for retrying processing of a controlled payment transaction includes: storing, in a first database, account profiles, each including data related to a transaction account including an account identifier and account controls; storing, in a second database, the account profiles stored in the first database, wherein data in each account profile in the second database corresponds to data in the corresponding account profile in the first database; receiving an authorization request for a transaction, the request including a specific account identifier and transaction data; determining an approval or denial of the transaction based on the account controls included in a profile in the second database including the specific account identifier and the transaction data if an attempt to determine approval or denial based on the account controls included in a corresponding account profile in the first database fails; and processing the payment transaction based on the determination.
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公开(公告)号：EP3340140A1
公开(公告)日：2018-06-27
申请号：EP16206455.4
申请日：2016-12-22
发明人： VANKAYALA, Suni
IPC分类号： G06Q20/00
CPC分类号： G06Q20/34 , G06Q20/385
摘要： Provided is a computer-implemented method for applying for a financial instrument, the method being performed by a mobile device and comprising operating a processor associated with the mobile device to: collate digital data associated with electronic copies of one or more physical documents; receive a user selection identifying a desired financial instrument; generate application data associated with the selected financial instrument for submission to a financial instrument vendor, wherein the application data includes at least some of the digital data associated with the electronic copies; and send to the financial instrument vendor the generated application data.
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公开(公告)号：EP3218860A4
公开(公告)日：2018-05-02
申请号：EP15859586
申请日：2015-11-06
发明人： GROARKE PETER J , PIEL BRIAN JOHN
CPC分类号： G06Q20/405 , G06F17/30368 , G06Q20/02 , G06Q20/12 , G06Q20/401
摘要： Methods and systems for providing cardholder authentication services on-behalf-of (OBO) issuers utilizing a payment card authorization network to bridge cardholder authentication and transaction authorization processes. In some embodiments, the process includes an OBO issuer service computer receiving an authentication message, storing the authentication message in a transaction database and then receiving a purchase transaction authorization request message from a payment network. The OBO issuer service computer then determines that an authentication value of the received purchase transaction authorization request message matches the authentication value of the stored authentication message, stores a record of the match, and transmits the purchase transaction authorization request to the payment network for purchase authorization processing.
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7.发明公开
公开(公告)号：EP3198788A4
公开(公告)日：2018-04-25
申请号：EP15843990
申请日：2015-09-21
发明人： KAMAL ASHFAQ , WILLIAMSON GREGORY D , REANY BOB
CPC分类号： G06Q20/3829 , G06F21/62 , G06Q20/24 , G06Q20/26 , G06Q20/322 , G06Q20/3227 , G06Q20/40145
摘要： According to some embodiments, a requesting application executing on a mobile device may request a transport layer security key pair in connection with a payment transaction. Responsive to the request, a trusted execution environment client of the mobile device may route a request to a payment application executing in a secure trusted execution environment of the mobile device. It may then be arranged, within the secure trusted execution environment, to create the transport layer security key pair and provide key pair to the requesting application. Moreover, in some embodiments, the mobile device may transmit payment transaction information to an access control server and receive a request for biometric authentication. It may then be arranged for hardware within the mobile device to biometrically authenticate a user of the mobile device.
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公开(公告)号：EP3114599B1
公开(公告)日：2018-01-24
申请号：EP15713387.7
申请日：2015-03-03
发明人： RADU, Cristian , COLLINGE, Mehdi , GAITANOS, John
CPC分类号： G06Q20/3278 , G06F21/14 , G06F21/602 , G06K19/06206 , G06Q20/322 , G06Q20/3823 , G06Q20/3829 , G06Q2220/00 , H04L9/002 , H04L2209/16 , H04L2209/56 , H04W12/02
摘要： A mobile computing device has a processor and a memory. The processor is programmed with a mobile transaction application 101. The memory comprises a local database 102 to hold data items for use by the mobile transaction application 101. The mobile transaction application 101 is adapted to encrypt data items for storage in the local database 102 and to decrypt data items stored in the local database 102 using white-box cryptographic techniques.
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9.发明公开
公开(公告)号：EP3192043A4
公开(公告)日：2018-01-17
申请号：EP15839206
申请日：2015-09-10
发明人： CAGLAYAN YIGIT , UYAN KEMAL
CPC分类号： G06Q20/322 , G06Q20/36 , G06Q40/02
摘要： A method for processing a financial transaction includes: storing, in a database, a plurality of wallet data entries, wherein each wallet data entry includes at least a mobile device identifier and payment details associated with at least one payment account; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a mobile device identifier and transaction data; transmitting, to a mobile computing device associated with the mobile device identifier, at least the transaction data; receiving, from the mobile computing device, an indication of a payment account for funding of the financial transaction; identifying, in the database, payment details associated with the indicated payment account in a wallet data entry including the mobile device identifier included in the authorization request; and transmitting, to an issuer associated with the indicated payment account, at least the payment details and the transaction data.
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公开(公告)号：EP3123422A4
公开(公告)日：2017-11-08
申请号：EP15769689
申请日：2015-03-24
发明人： MALHOTRA SANDEEP , PRABHU RAJEN S , SHARMA PRASHANT , LI JIAMING , ZHANG JIE
CPC分类号： G06Q50/265 , G06Q20/322 , G06Q20/3821 , G06Q40/02
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