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公开(公告)号：US11250434B2
公开(公告)日：2022-02-15
申请号：US16461683
申请日：2017-10-20
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Weiqi Yu , Sishuang Wan , Limin Zhang , Jinzhi Hua , Shuo He
Abstract: A payment method and device are provided. The payment method includes: a server receives a passwordless payment request transmitted from a terminal, and receives a current neighboring apparatus identifier search-detected and reported by the terminal; the server performs, according to the current neighboring apparatus identifier, and a corresponding relationship of a preconfigured terminal and a neighboring apparatus identifier, risk evaluation on the terminal, to obtain an overall risk evaluation score; and the server determines, according to the overall risk evaluation score, a passwordless payment strategy corresponding to the passwordless payment request. The server performs the risk evaluation on the current surrounding environment of the terminal to obtain the overall risk evaluation score, and then determine, according to the overall risk evaluation score, security of the current surrounding environment of the terminal, and determine the corresponding passwordless payment strategy corresponding to the passwordless request.
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公开(公告)号：US20160247142A1
公开(公告)日：2016-08-25
申请号：US14777946
申请日：2014-03-20
Applicant: China Unionpay Co., Ltd.
Inventor： Yang YANG , Jinzhi Hua
CPC classification number: G06Q20/3276 , G06K7/1417 , G06Q20/32 , G06Q20/4014
Abstract: An online payment system comprises a payment server and a payment client. The payment server is configured to generate a unique identifier of a commodity/order and a random number as a challenge code, and to generate a two-dimensional code based on the unique identifier of the commodity/order and the challenge code, and is further configured to display the two-dimensional code on a display device. The payment client is configured to read the unique identifier of the commodity/order and the challenge code in the two-dimensional code from the display device, and is further configured to send a payment account, the unique identifier of the commodity/order, and a reply code to the payment server, and to perform a payment operation on the basis of the payment account, the unique identifier of the commodity/order, and the reply code.
Abstract translation: 在线支付系统包括支付服务器和支付客户端。 支付服务器被配置为生成商品/订单和随机数的唯一标识符作为询问代码，并且基于商品/订单和询问代码的唯一标识符生成二维代码，并且进一步 被配置为在显示设备上显示二维码。 支付客户端被配置为从显示设备读取商品/订单的唯一标识符和二维代码中的质询代码，并且还被配置为发送支付账户，商品/订单的唯一标识符，以及 支付服务器的回复代码，以及基于支付帐户执行支付操作，商品/订单的唯一标识符和回复代码。
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公开(公告)号：US11122108B2
公开(公告)日：2021-09-14
申请号：US16453708
申请日：2019-06-26
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Lin Chen , Xiao Zhuang , Jintan Wu , Yanming Yang , Jinzhi Hua
Abstract: The invention provides a file transmitting method and system. The file transmitting method is used for a system comprising N network file systems, N file receiving and forwarding servers, N network access servers, N client servers and N backstage servers that are in a one-to-one correspondence with the network file systems, comprising: the backstage server sends a file transmitting request to the file receiving and forwarding server, the file transmitting request comprises information on the file sending party, the file destination party and the file to be transmitted; the file receiving and forwarding server verifies the legitimacy of the file transmitting request; if legitimate, a file is transmitted between the file sending party and the file destination party; otherwise, a response that prohibits the transmitting is generated and returned to the backstage server that initiated the request. With the invention, transmission of files can be realized.
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4.发明授权公开(公告)号：US10528378B2
公开(公告)日：2020-01-07
申请号：US15512191
申请日：2015-09-02
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Hongfeng Chai , Chengrong Wu , Jinzhi Hua , Zhenfang Wang , Yang Yang , Jun Zhang
Abstract: The application discloses a load evaluation system for virtual machines in a cloud environment, comprising: a monitored data collecting module which is configured to collect monitored data from one or more virtual machines in a cloud data center; a monitored data processing module which is coupled with the monitored data collecting module and is configured to: perform aggregated grouping on the monitored data by using a first KMeans algorithm for each of the one or more virtual machines, each group having a center point coordinate, and calculate a performance characteristic of each virtual machine of the one or more virtual machines according to the grouping and the center point coordinates of individual groups, i.e., a first characteristic value; perform aggregated grouping on the one or more virtual machines using a second KMeans algorithm based on the first characteristic value of each virtual machine, thus determining the characteristic type and performance load value of each virtual machine of the one or more virtual machines. The application also discloses a load evaluation method for virtual machines in a cloud environment as well as a service node.
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公开(公告)号：US12184653B2
公开(公告)日：2024-12-31
申请号：US16450896
申请日：2019-06-24
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Lin Chen , Jianming Kang , Zhijun Lu , Yanming Yang , Jinzhi Hua , Xu Wang , Sen Yang
Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount. With the entrusted-authorization system and entrusted-authorization method of the invention, a normal processing of transaction request can be ensured when the accounting system is unavailable.
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Patent Agency Ranking
公开(公告)号：US20140344898A1
公开(公告)日：2014-11-20
申请号：US14366670
申请日：2012-12-20
Applicant: China Unionpay Co., Ltd.
Inventor： Lin Chen , Jianming Kang , Zhijun Lu , Yanming Yang , Jinzhi Hua , Yu Wang , Sen Yang
CPC classification number: H04L63/10 , G06Q20/027 , G06Q20/40 , G06Q40/12 , H04L63/123
Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial mechanism information, transaction initiation mechanism information and transaction amount. With the entrusted-authorization system and entrusted-authorization method of the invention, a normal processing of transaction request can be ensured when the accounting system is unavailable.
Abstract translation: 本发明提供了委托授权系统和委托授权方法。 委托授权系统包括会计系统，交换模块和委托授权模块，其中委托授权模块存储由计费系统确定的委托授权参数，交换模块与会计系统和委托授权模块相连， 授权模块，用于在所述会计系统不可用的情况下从所述客户端发送交易请求消息到所述委托授权模块进行处理，其中所述委托授权模块根据所述委托授权参数验证所述交易请求消息; 否则会将消息发送到会计系统进行处理。 交易请求消息包括金融账户信息，财务机制信息，交易发起机制信息和交易金额。 通过本发明的委托授权系统和委托授权方法，当会计系统不可用时，可以保证交易请求的正常处理。
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公开(公告)号：US20190320009A1
公开(公告)日：2019-10-17
申请号：US16453708
申请日：2019-06-26
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Lin Chen , Xiao Zhuang , Jintan Wu , Yanming Yang , Jinzhi Hua
Abstract: The invention provides a file transmitting method and system. The file transmitting method is used for a system comprising N network file systems, N file receiving and forwarding servers, N network access servers, N client servers and N backstage servers that are in a one-to-one correspondence with the network file systems, comprising: the backstage server sends a file transmitting request to the file receiving and forwarding server, the file transmitting request comprises information on the file sending party, the file destination party and the file to be transmitted; the file receiving and forwarding server verifies the legitimacy of the file transmitting request; if legitimate, a file is transmitted between the file sending party and the file destination party; otherwise, a response that prohibits the transmitting is generated and returned to the backstage server that initiated the request. With the invention, transmission of files can be realized.
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公开(公告)号：US20150304392A1
公开(公告)日：2015-10-22
申请号：US14439223
申请日：2013-10-28
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Lin Chen , Xiao Zhuang , Jintan Wu , Yanming Yang , Jinzhi Hua
Abstract: The invention provides a file transmitting method and system. The file transmitting method is used for a system comprising N network file systems, N file receiving and forwarding servers, N network access servers, N client servers and N backstage servers that are in a one-to-one correspondence with the network file systems, comprising: the backstage server sends a file transmitting request to the file receiving and forwarding server, the file transmitting request comprises information on the file sending party, the file destination party and the file to be transmitted; the file receiving and forwarding server verifies the legitimacy of the file transmitting request; if legitimate, a file is transmitted between the file sending party and the file destination party; otherwise, a response that prohibits the transmitting is generated and returned to the backstage server that initiated the request. With the invention, transmission of files can be realized.
Abstract translation: 本发明提供一种文件发送方法和系统。 文件发送方式用于与网络文件系统一一对应的N个网络文件系统，N个文件接收和转发服务器，N个网络访问服务器，N个客户端服务器和N个后台服务器的系统， 包括：后台服务器向文件接收转发服务器发送文件发送请求，文件发送请求包括关于文件发送方，文件目的地方和要发送的文件的信息; 文件接收和转发服务器验证文件传输请求的合法性; 如果合法，则在文件发送方和文件目的地方之间传送文件; 否则生成禁止发送的响应，并返回到发起请求的后台服务器。 利用本发明，可以实现文件传输。
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公开(公告)号：US11282085B2
公开(公告)日：2022-03-22
申请号：US16461220
申请日：2017-10-12
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Limin Zhang , Jinzhi Hua , Sishuang Wan , Weiqi Yu , Xiang Liu
Abstract: Disclosed in the present invention are a vehicle-borne payment method and device, relating to the technical field of vehicle-borne security payment. The method includes: receiving a vehicle-borne payment request sent by a vehicle, the vehicle-borne payment request including vehicle identification information; according to the vehicle identification information, after the vehicle is determined as a registered vehicle, obtaining driving attribute data of the vehicle within the current time period, and a vehicle driving strategy of the vehicle; according to the driving attribute data in the current time period, and the vehicle driving strategy, determining a risk level corresponding to the vehicle-borne payment request; and sending the risk level to a transaction platform so that the transaction platform determines whether to make a payment according to the risk level. The vehicle driving strategy is, after the vehicle applies for registration, formed according to driving attribute data in a preset time period. In an embodiment of the present invention, it is ensured that even if a vehicle is stolen or used by others, the transaction platform determines whether to make the payment according to a risk level, thereby ensuring the security of vehicle-borne payment.
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公开(公告)号：US11120153B2
公开(公告)日：2021-09-14
申请号：US16334278
申请日：2017-09-08
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Limin Zhang , Jinzhi Hua , Sishuang Wan , Weiqi Yu , Xu Le
IPC: H04L29/06 , G06F21/62 , H04L29/08 , H04L9/32 , G06F16/14 , H04L9/06 , G06Q50/16 , G06F21/60 , G06Q30/06
Abstract: The present invention provides a resource file processing method based on a blockchain structure. The method includes a member node in a blockchain including at least one supervision node and at least one member node constructs a resource file registration request according to a user instruction, and sends the resource file registration request to one of the at least one supervision node. According to the resource file registration request from any member node, the at least one supervision node audits and registers a resource file indicated by the resource file registration request, and transmits the registration result back to the member node initiating the resource file registration request. The at least one member node performs an operation on a real physical resource associated with the registered resource file by performing data communication with another member node.
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