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    METHOD AND DEVICE FOR VEHICLE-BORNE PAYMENT
    2.
    发明申请
    METHOD AND DEVICE FOR VEHICLE-BORNE PAYMENT 审中-公开

    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

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

    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.

    SECURITY ELECTRONIC FILE PROCESSING SYSTEM AND METHOD BASED ON BLOCK CHAIN STRUCTURE
    3.
    发明申请
    SECURITY ELECTRONIC FILE PROCESSING SYSTEM AND METHOD BASED ON BLOCK CHAIN STRUCTURE 审中-公开

    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

    IPC: G06Q20/36 ,  H04L9/06 ,  G06Q20/40

    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.

    NON-CONTACT COMMUNICATION METHOD AND COMMUNICATION DEVICE
    4.
    发明申请
    NON-CONTACT COMMUNICATION METHOD AND COMMUNICATION DEVICE 有权

    公开(公告)号：US20210256499A1

    公开(公告)日：2021-08-19

    申请号：US16973759

    申请日：2019-04-12

    Applicant: China UnionPay Co., Ltd.

    Inventor： Dingzhou LI ,  Shuo HE ,  Cheng PENG ,  Jintan WU ,  Quan SUN ,  Wei GUO ,  Limin ZHANG

    IPC: G06Q20/32 ,  G06Q20/34 ,  H04W12/02 ,  H04W4/80 ,  H04L29/06

    Abstract: A non-contact communication method and a communication device are presented. The communication device includes a trusted execution environment (TEE). A first security application and a second security application are provided in a security element of the communication device. The first security application and an application in the trusted execution environment are communicationally connected by means of a first communication channel. The second security application and a near-field communication (NFC) module provided in the communication device are communicationally connected by means of a second communication channel. The first security application and the second security application are communicationally connected by means of a security channel. Using the non-contact communication method and the communication device, a security channel may be established between NFC and a TEE, which may enable NFC non-contact card reading for a TEE application.

    PAYMENT METHOD AND DEVICE
    6.
    发明申请
    PAYMENT METHOD AND DEVICE 审中-公开

    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

    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.

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