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

IPC: G06Q20/40 ,  G06Q20/32

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.

公开(公告)号：US20220321559A1

公开(公告)日：2022-10-06

申请号：US17620850

申请日：2020-08-24

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Weiqi Yu ,  SIshuang Wan ,  Shuo He

IPC: H04L9/40 ,  H04W4/021 ,  G06V40/16 ,  H04W12/06 ,  H04W12/64

Abstract: The present invention relates to a biometric-based identity authentication method and system. The method includes: obtaining mobile terminal numbers of all users entering a specified area through a base station associated with the specified area which the users enter to generate a first mobile terminal number list; recognizing biometrics of users, and obtaining a second mobile terminal number list composed of n mobile terminal numbers with the highest similarity to the biometrics based on a pre-established binding relationship between biometrics of users and the mobile terminal numbers; and comparing the first mobile terminal number list with the second mobile terminal number list, wherein on the condition that the intersection of the two is one mobile terminal number, it is determined that the user of the mobile terminal number is the user with successful identity authentication, and on the condition that the intersection of the two is more than one number, it is determined that the user of the mobile terminal number with the highest biometric similarity in the intersection is the user with successful identity authentication. According to the present invention, the range of face recognition N can be narrowed down, and a user only needs to carry a mobile phone and 1:N face recognition can be completed without additional operations.

公开(公告)号：US11811756B2

公开(公告)日：2023-11-07

申请号：US17620850

申请日：2020-08-24

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Weiqi Yu ,  Sishuang Wan ,  Shuo He

IPC: H04L9/40 ,  H04W12/64 ,  G06V40/16 ,  H04W4/021 ,  H04W12/06

CPC classification number: H04L63/0861 ,  G06V40/172 ,  H04W4/021 ,  H04W12/06 ,  H04W12/64

Abstract: The present invention relates to a biometric-based identity authentication method and system. The method includes: obtaining mobile terminal numbers of all users entering a specified area through a base station associated with the specified area which the users enter to generate a first mobile terminal number list; recognizing biometrics of users, and obtaining a second mobile terminal number list composed of n mobile terminal numbers with the highest similarity to the biometrics based on a pre-established binding relationship between biometrics of users and the mobile terminal numbers; and comparing the first mobile terminal number list with the second mobile terminal number list, wherein on the condition that the intersection of the two is one mobile terminal number, it is determined that the user of the mobile terminal number is the user with successful identity authentication, and on the condition that the intersection of the two is more than one number, it is determined that the user of the mobile terminal number with the highest biometric similarity in the intersection is the user with successful identity authentication. According to the present invention, the range of face recognition N can be narrowed down, and a user only needs to carry a mobile phone and 1:N face recognition can be completed without additional operations.

公开(公告)号：US12271911B2

公开(公告)日：2025-04-08

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: G06F16/2455 ,  G06Q30/018

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).

公开(公告)号：US11474187B2

公开(公告)日：2022-10-18

申请号：US17419075

申请日：2019-07-08

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Weiqi Yu ,  Sishuang Wan ,  Xiaoyun Wang ,  Guobao Liu ,  Yue Jin ,  Yinhe Lan

IPC: G01S5/02 ,  H04W4/024 ,  H04W4/029 ,  G01C21/34 ,  G01C21/36 ,  G01S5/00 ,  H04W4/02 ,  H04W84/04 ,  H04W88/08

Abstract: A positioning method comprises acquiring positioning information of a 5G base station from a satellite, obtaining calibration information based on the positioning information, and broadcasting outwards the calibration information; acquiring initial positioning information of a user terminal from the satellite; accessing a nearest 5G base station in real time, monitoring and acquiring calibration information broadcasted by the nearest 5G base station; and calibrating the initial positioning information acquired in the initial positioning step according to the calibration information acquired in the monitoring step to obtain positioning result information. As described above, the positioning of centimeter level precision can be realized by utilizing the 5G base station, and there is no need to additionally establish a CORS base station and a data center, thereby the cost of precise positioning can be reduced.

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

IPC: G06Q20/40 ,  G07C5/02 ,  G07C5/08 ,  G06Q20/34

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.

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.