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.

公开(公告)号：US11797996B2

公开(公告)日：2023-10-24

申请号：US17281489

申请日：2020-02-18

Applicant: CHINA UNIONPAY CO., LTD.

Inventor： Shuo He ,  Cheng Peng ,  Wei Guo ,  Wenhai Yu ,  Limin Zhang ,  Jin Qian

IPC: G06Q20/40 ,  G06V20/10 ,  G06Q20/32 ,  G06F18/213 ,  H04L9/40 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q40/02

CPC classification number: G06Q20/4016 ,  G06F18/213 ,  G06Q20/3223 ,  G06V20/10 ,  G06Q20/02 ,  G06Q20/208 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/40145 ,  G06Q40/02

Abstract: The present application discloses a payment information processing method, apparatus, device, and computer readable storage medium. The payment information processing method includes: obtaining an environment image collected by a mobile acquiring device, in response to an acquiring request sent by the mobile acquiring device; determining a payment environment confidence level of the mobile acquiring device according to the environment image, under a condition that the mobile acquiring device obtains payment card information; determining a payment information processing result according to the payment environment confidence level.

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：US11775956B2

公开(公告)日：2023-10-03

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: G06Q20/00 ,  G06Q20/32 ,  H04W4/80 ,  G06Q20/34 ,  H04L9/40 ,  H04W12/02

CPC classification number: G06Q20/3278 ,  G06Q20/352 ,  H04L63/0884 ,  H04W4/80 ,  H04W12/02

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.