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1.发明申请公开(公告)号：US20180096342A1
公开(公告)日：2018-04-05
申请号：US15559935
申请日：2016-03-17
Applicant: CHINA UNIONPAY CO., LTD
Inventor： Sishuang WAN , Zhijun Lu , Shuo He , Yawei Yin , Guobao Liu
CPC classification number: G06Q20/3278 , G06Q20/0658 , G06Q20/204 , G06Q20/38 , G07G1/12 , H04M1/7253 , H04M1/72597
Abstract: The invention relates to a mobile terminal having an offline trade notification function and a notification method that is implemented using the mobile terminal. The mobile terminal having an offline trade notification function comprises: a storage module for storing an offline trade application described below; a wireless communication module having a field inductor that is used for detecting surrounding radio frequency signals and for generating a control signal; a processing module which generates an interruption event when it receives the control signal; an application module which can read trade data of the offline trade application according to the notification from the processing module, calculate trade data variation of the offline trade application, and inform an input/output module described below of the trade data variation; and the input/output module for informing the user of the event of data variation.
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公开(公告)号：US20210312465A1
公开(公告)日：2021-10-07
申请号：US17269351
申请日：2020-01-14
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Xiaonan HOU , Yuemin QI , Shuo HE , Sishuang WAN , Xuetao QIU , Yang YANG
Abstract: Transaction processing method, apparatus, device, medium and system are disclosed in the embodiments of the present application. The method includes: acquiring biometric characteristic information of a user; transmitting the biometric characteristic information to a target biometric information server, so that the target biometric information server determines card information of the user according to the biometric characteristic information for feedback; receiving the card information of the user fed back by the target biometric information server; transmitting a transaction request to an authorization server corresponding to the card information, so that the authorization server performs authorization verification on a transaction corresponding to the transaction request; receiving a transaction authorization verification result fed back by the authorization server; and performing the transaction according to the transaction authorization verification result.
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公开(公告)号：US20210286835A1
公开(公告)日：2021-09-16
申请号：US17260177
申请日：2019-07-04
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Yu WANG , Xuetao QIU , Sishuang WAN , Xiaohan SHE , Yang WANG , Qi ZHANG , Zhijun FEI
IPC: G06F16/35 , G06F16/36 , G06F40/30 , G06F40/117
Abstract: A method for matching semantic text data with tags. The method comprises: pre-processing multiple semantic text data to obtain original corpus data comprising multiple semantic independent members; determining the degree of association between any two of the multiple semantic independent members according to a reproduction relationship of the multiple semantic independent members in a natural text, determining a theme corresponding to the association according to the degree of association between any two, and thus determining a mapping probability relationship between the multiple semantic text data and the theme; selecting one of the multiple semantic independent members corresponding to the association as a tag of the theme, and mapping the multiple semantic text data to the tag according to the determined mapping probability relationship between the multiple semantic text data and the theme; and taking the determined mapping relationship between the multiple semantic text data and the tag as a supervision material, and matching the unmapped semantic text data with the tag according to the supervision material.
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公开(公告)号：US20190354983A1
公开(公告)日：2019-11-21
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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5.发明公开公开(公告)号：US20230214815A1
公开(公告)日：2023-07-06
申请号：US17928542
申请日：2021-09-07
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Zheng ZHANG , Wenbin QI , Hua CAI , Sishuang WAN
CPC classification number: G06Q20/3255 , G06Q20/401 , G06Q20/3829
Abstract: A transaction method, a terminal device, a payment system, a merchant system, and a storage medium. The transaction method comprises: generating a payment request (101); sending the payment request in a rich media message format to a payment system (102); and receiving a payment processing result in a rich media message format from the payment system, wherein the payment processing result corresponds to the payment request (104). A user can make payment by sending and receiving rich media messages without needing to install multiple payment applications, thereby enabling convenient operation.
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Patent Agency Ranking
公开(公告)号：US20190279219A1
公开(公告)日：2019-09-12
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: Method and device for vehicle-borne payment are provided A vehicle-borne payment request sent by a vehicle is received and includes vehicle identification information. According to the vehicle identification information, after the vehicle is determined as a registered vehicle, driving attribute data of the vehicle within a current time period, and a vehicle driving strategy of the vehicle are acquired. According to the driving attribute data in the current time period, and the vehicle driving strategy, a risk level corresponding to the vehicle-borne payment request is determined. The risk level is transmitted to a transaction platform so that the transaction platform determines whether to make a payment according to the risk level. The vehicle driving strategies are created after the vehicle applies for registration, according to driving attribute data within a preset time period.
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公开(公告)号：US20190259024A1
公开(公告)日：2019-08-22
申请号：US16333529
申请日：2017-09-05
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Limin ZHANG , Jinzhi HUA , Sishuang WAN , Xu LE
Abstract: A security electronic file processing method based on a block chain structure is proposed by the present disclosure, including: constructing a security electronic file generation request based on an occurrence of a trigger event by a member node in a block chain formed by a master node and at least one member node, and transmitting the security electronic file generation request to the master node, wherein the master node and each of the at least one member node, each as independent block respectively, are connected to each other; generating a security electronic file by the master node based on the received security electronic file generation request, and transmitting the generated security electronic file to the member node specified by the security electronic file generation request; and performing operations on the security electronic file by any of the at least one member node after receiving the security electronic file by performing data communication with another member node. The system and method disclosed by the invention has high data file processing efficiency and low cost.
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8.发明申请公开(公告)号：US20150310410A1
公开(公告)日：2015-10-29
申请号：US14429767
申请日：2013-09-18
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Hongfeng CHAI , Zhijun LU , Shuo HE , Guobao LIU , Sishuang WAN
CPC classification number: G06Q20/202 , G06Q20/20 , G06Q20/204 , G06Q20/3224 , G06Q20/3229 , G06Q20/4016 , G07G1/14 , H04W64/006
Abstract: The invention relates to a machine-moving monitoring system for mobile POS terminal and a machine-moving monitoring method for mobile POS terminal. The method comprises: a base station information acquiring step in which the mobile POS terminal acquires base station information of a current base station where the mobile POS terminal is located from the base station; an information uploading step in which a POS terminal information of the POS terminal and the base station information is uploaded when a transaction is being conducted on the mobile POS terminal; a base station location acquiring step in which an actual location information of the base station is acquired according to the uploaded base station information; a trader location information acquiring step in which a trader location information of a trader corresponding to the mobile POS terminal is acquired according to the uploaded POS terminal information; and a machine-moving determining step in which an actual distance between the base station and the trader is calculated according to the actual location information of the base station and the trader location information, and it is determined that a machine-moving behavior has occurred if the actual distance exceeds a specified distance. The invention can monitor whether a machine-moving behavior has happened effectively, quickly and accurately.
Abstract translation: 本发明涉及移动POS终端机移动监控系统和移动POS终端机移动监控方法。 该方法包括：基站信息获取步骤，其中移动POS终端从基站获取移动POS终端所在的当前基站的基站信息; 信息上传步骤，其中当在所述移动POS终端上进行交易时，所述POS终端的POS终端信息和所述基站信息被上传; 基站位置获取步骤，其中根据上传的基站信息获取基站的实际位置信息; 交易者位置信息获取步骤，其中根据上传的POS终端信息获取与移动POS终端相对应的交易者的交易者位置信息; 以及机器移动确定步骤，其中根据基站的实际位置信息和交易者位置信息来计算基站和交易者之间的实际距离，并且确定出现机器移动行为，如果 实际距离超过指定距离。 本发明可以监测机器移动行为是否有效，快速准确地发生。
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公开(公告)号：US20240273555A1
公开(公告)日：2024-08-15
申请号：US18689815
申请日：2022-07-29
Applicant: CHINA UNIONPAY CO., LTD.
Inventor： Weiqi YU , Xusen YANG , Hua JIANG , Lan LIU , Sishuang WAN , Xiaohan SHE , Xiongyu WANG
IPC: G06Q30/018
CPC classification number: G06Q30/0185
Abstract: A method, apparatus, device and storage medium for verifying a real store, which belong to the field of data processing. The method includes: acquiring inputted store information of a first store (S101); searching for, based on the store name and the store address of the first store, a first target store name in a first target area in an electronic map (102) searching for, based on the store address of the first store, a real store address database, and the store name of the first store, a second target store name in a second target area in the electronic map (S103) determining, under a condition that the first target store name or the second target store name exists, that the first store is a real store (S104).
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公开(公告)号：US20230186257A1
公开(公告)日：2023-06-15
申请号：US17924341
申请日：2021-09-18
Applicant: CHINA UNIONPAY CO., LTD.
CPC classification number: G06Q20/0855 , G06Q20/027 , G06Q20/308 , G06Q20/4014
Abstract: Embodiments of the present application provide a payment method, a gateway device, a server and a storage medium. The method is applied to the gateway device, and the method includes: obtaining target identification information and payment amount of a target IoT device connected to the gateway device, wherein the target identification information includes a first device identification of the target IoT device and/or a feature identification of a physical layer between the target IoT device and the gateway device; sending a first payment request to the server, wherein the first payment request includes the target identification information, a second device identification of the gateway device and the payment amount, and the first payment request is configured to instruct the server to search a target payment account associated with the target identification information and the second device identification, and to deduct from the target payment account according to the payment amount.
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