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公开(公告)号：US10515362B2
公开(公告)日：2019-12-24
申请号：US14441685
申请日：2013-11-19
摘要： A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.
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2.发明申请公开(公告)号：US20160134720A1
公开(公告)日：2016-05-12
申请号：US14539311
申请日：2014-11-12
发明人： Sebastien POCHIC , Lukas Ekselius , Fikret Ates
CPC分类号： H04L67/306 , G06Q20/4016 , G06Q20/405 , G06Q30/0269 , G06Q50/01 , H04L67/22
摘要： The present disclosure relates to a computer implemented method of building a profile for an account holder 101. The method comprises the steps of: accessing, by a computer, information from one or more social networking accounts 103, the social networking accounts being associated with the account holder; incorporating, by a computer, the information into the profile of the account holder 101; and utilising the information when determining, by a computer, at least one of: a risk score of a transaction, targeted special offers, and targeted goods and services that could be of interest to the account holder.
摘要翻译： 本公开涉及一种用于建立帐户持有者101的简档的计算机实现的方法。该方法包括以下步骤：由计算机访问来自一个或多个社交网络帐户103的信息，所述社交网络帐户与 账户持有人 通过计算机将信息合并到帐户持有者101的简档中; 以及在由计算机确定交易的风险评分，目标特别优惠以及帐户持有者可能感兴趣的目标商品和服务中的至少一个时，利用该信息。
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公开(公告)号：US20140367474A1
公开(公告)日：2014-12-18
申请号：US14305423
申请日：2014-06-16
发明人： Cristian Radu , Sebastien Pochic , Fikret Ates
IPC分类号： G06K19/077 , G06K19/073
CPC分类号： G06K19/07701 , G06K19/073 , G06K19/07705 , G06K19/07707 , G06K19/07709 , G06Q20/3574 , G07F7/0806
摘要： A display card 301 with a user interface for providing one or more services. The card 301 comprises: an external interface 302, 303 for communication with a terminal external from the card 301; a Chip 401 comprising one or more servers for storing one or more applications, wherein the Chip 401 is arranged to communicate with the external interface 302, 303; a user interface 304, 305, 306 for interacting with a user of the card 301; a micro-terminal 402 for controlling the provision of one or more services, wherein the micro-terminal 402 is arranged to communicate with the user interface 304, 305, 306; and the Chip 401 and micro-terminal 402 are arranged to communicate with each other via an internal interface 403 of the Chip 401. Applications include payment cards and passes.
摘要翻译： 具有用于提供一个或多个服务的用户界面的显示卡301。 卡301包括：用于与卡301外部的终端进行通信的外部接口302,303; 包括用于存储一个或多个应用的一个或多个服务器的芯片401，其中芯片401布置成与外部接口302,303通信; 用于与卡301的用户交互的用户界面304,305,306; 用于控制提供一个或多个服务的微终端402，其中微终端402被布置为与用户界面304,305,306进行通信; 并且芯片401和微型终端402被布置成经由芯片401的内部接口403彼此通信。应用包括支付卡和通行证。
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4.发明申请AUTOMATIC REGISTRATION AND GENERATION OF CONSUMER PAYMENT CREDENTIALS USING INTERNET-CONNECTED APPLIANCES 审中-公开使用互联网连接的电器自动注册和生成消费者付款证明公开(公告)号：US20140046848A1
公开(公告)日：2014-02-13
申请号：US13963141
申请日：2013-08-09
发明人： Cristian Radu , Fikret Ates , Sebastien Pochic , Lukas Ekselius
IPC分类号： G06Q20/40
CPC分类号： G06Q20/405 , G06Q10/00 , G06Q20/027 , G06Q20/12 , G06Q20/40 , G06Q20/401 , G06Q30/00
摘要： Systems, apparatus and methods for allowing cardholders to conveniently and securely purchase items online using an Internet-connected appliance. An Internet-connected appliance reads payment account data from a cardholder payment device and transmits a cardholder registration request to a gateway server. The Internet-connected appliance receives a cardholder verification request, prompts the cardholder to respond, transmits the response, receives a cardholder authentication message, and then stores the cardholder payment account data in a dedicated storage element. In an implementation, the Internet-connected appliance receives a purchase instruction for an online purchase, automatically generates and transmits a purchase transaction request, receives a purchase transaction response, and provides the purchase transaction response to the cardholder.
摘要翻译： 允许持卡人使用互联网连接的设备在线方便地安全地购买商品的系统，设备和方法。 互联网连接的设备从持卡人支付设备读取支付账户数据，并向网关服务器发送持卡人注册请求。 互联网连接的设备收到持卡人验证请求，提示持卡人进行回复，发送回复，接收持卡人认证消息，然后将持卡人支付账户数据存储在专用存储元素中。 在实现中，互联网连接的设备接收用于在线购买的购买指令，自动生成并发送购买交易请求，接收购买交易响应，并向持卡人提供购买交易响应。
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公开(公告)号：US11429940B2
公开(公告)日：2022-08-30
申请号：US16659279
申请日：2019-10-21
IPC分类号： G06Q20/10 , G06Q20/34 , G06Q20/40 , G06Q30/06 , G07F7/08 , G07F7/10 , G07F7/12 , G06Q20/08 , G06K19/07 , G06Q20/32
摘要： A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card. The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user.
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公开(公告)号：US10956912B2
公开(公告)日：2021-03-23
申请号：US15091290
申请日：2016-04-05
发明人： Cristian Radu , Fikret Ates , Sebastien Pochic , Lukas Ekselius
摘要： Methods and systems for generating consumer payment credentials using an Internet-connected appliance. In an embodiment, a primary Internet-connected appliance receives purchase transaction information from a secondary appliance. The process also includes generating a purchase transaction authorization request based on purchase transaction information and on payment account credential data that is stored locally in a dedicated storage element, transmitting the purchase transaction authorization request via the Internet to a gateway server computer, receiving a purchase transaction authorization response, and transmitting the purchase transaction authorization response via a domestic network to the secondary appliance for display to a consumer.
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公开(公告)号：US20190174163A1
公开(公告)日：2019-06-06
申请号：US16269775
申请日：2019-02-07
发明人： Lukas Ekselius , Fikret Ates , Sebastien Pochic
IPC分类号： H04N21/2543 , H04N21/4788 , H04N21/478 , H04N21/4367 , H04N21/258 , G06Q20/36 , G06Q20/32 , H04N21/41
摘要： According to some embodiments, systems and methods are provided comprising searching, with a searching device, on a local network for the target device, wherein the digital wallet is an electronically stored registered card based account for use in electronic commercial transactions, and wherein the entire digital wallet is absent from the target device prior to the search; selecting at the searching device one or more target devices; and pushing the digital wallet to the target device, including digital wallet functionality, to the target device selected at the searching device by a user to establish the digital wallet at the target device, without having to enter information at the target device to create a new digital wallet at the target device. Numerous other aspects are provided.
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公开(公告)号：US20170047737A1
公开(公告)日：2017-02-16
申请号：US15235820
申请日：2016-08-12
发明人： Lukas Ekselius , Fikret Ates , Sebastien Pochic
IPC分类号： H02J3/14
CPC分类号： H02J3/14 , G06Q20/18 , G06Q50/06 , G07F15/005 , G07F15/008 , H02J2003/143 , Y02T90/12 , Y02T90/128
摘要： According to a first aspect there is provided a method of controlling transfer of electrical power, said method comprising: in response to formation of an electrical power transfer connection between an electrical power supply network and an electrical device, controlling electrical power transfer through said connection according to the contents, presence or absence of a message received over the connection from said device comprising one or more credentials. According to a second aspect there is provided a method of obtaining electrical power from and/or providing electrical power to an electrical power supply network, said method comprising an electrical device: forming an electrical power transfer connection with said electrical power supply network; and in response thereto, transmitting a power transfer request over said connection, said request comprising one or more credentials. According to further aspects there are provided a system for controlling transfer of electrical power and an electrical device.
摘要翻译： 根据第一方面，提供了一种控制电力传递的方法，所述方法包括：响应于形成电力供应网络和电气设备之间的电力传输连接，通过所述连接控制电力传输，根据 通过包括一个或多个证书的所述设备在连接上接收的消息的内容，存在或不存在。 根据第二方面，提供从电力供应网络获得电力和/或向电力供应网络提供电力的方法，所述方法包括电气设备：与所述电力供应网络形成电力传输连接; 并且响应于此，通过所述连接发送功率传送请求，所述请求包括一个或多个证书。 根据另外的方面，提供了一种用于控制电力传输和电气设备的系统。
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公开(公告)号：US20150287031A1
公开(公告)日：2015-10-08
申请号：US14441685
申请日：2013-11-19
CPC分类号： G06Q20/40 , G06K7/10009 , G06K19/07701 , G06K19/07703 , G06K19/07709 , G06Q20/20 , G06Q20/204 , G06Q20/3278 , G07F7/0846 , G07F7/0853 , G07F7/088 , G07F7/0886
摘要： A secure payment system comprises a merchant POS client and a remote POS server. The merchant POS client comprises a reading device for reading a customer user token and for accepting transaction details and customer verification data, and also a computing device with access to a communications network and in communication with the reading device. The merchant POS client also comprises a merchant token associated with the remote POS server. The remote POS server is in communication with the merchant POS client through the communications network, and one or more elements of the merchant POS client business logic are assured by the remote POS server and not the merchant POS client. A merchant token for use in such a merchant POS client is described, as is a suitable reader device, and a method of conducting a transaction using such a payment system.
摘要翻译： 安全支付系统包括商户POS客户端和远程POS服务器。 商户POS客户机包括用于读取客户用户令牌并用于接受交易细节和客户验证数据的读取装置，以及具有访问通信网络并与读取装置通信的计算装置。 商户POS客户端还包括与远程POS服务器相关联的商家令牌。 远程POS服务器通过通信网络与商户POS客户端通信，商务POS客户端业务逻辑的一个或多个元素由远程POS服务器而不是商家POS客户端确保。 描述了用于这种商业POS客户端的商业令牌，以及合适的阅读器设备以及使用这种支付系统进行交易的方法。
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10.发明申请公开(公告)号：US20150121411A1
公开(公告)日：2015-04-30
申请号：US14522235
申请日：2014-10-23
发明人： Lukas Ekselius , Fikret Ates , Sebastien Pochic
IPC分类号： H04N21/475 , H04N21/81 , H04N21/437 , H04N21/643 , H04N21/435
CPC分类号： H04N21/4758 , H04H60/63 , H04H60/80 , H04H60/82 , H04N21/4126 , H04N21/435 , H04N21/437 , H04N21/4722 , H04N21/47815 , H04N21/64322 , H04N21/8173 , H04N21/8545
摘要： A method of providing interaction options to a user of a device is described. The device is capable of receiving broadcast content from a broadcaster and content via a network. The method comprises receiving, at the device, both broadcast content and a call-to-action related to the broadcast content. The call-to-action is received via a network. The method includes presenting the broadcast content and the call-to-action to the user, receiving a trigger signal from the user in response to the call-to-action, and initiating, in response to the trigger signal, an interaction over the network between the user and a call-to-action party associated with the call-to-action. The method enables an interaction to be established between the user and the call-to-action party regardless of whether the call-to-action party is the same entity as or a different entity to the broadcaster.
摘要翻译： 描述了向设备的用户提供交互选项的方法。 该设备能够经由网络从广播者和内容接收广播内容。 该方法包括在设备处接收广播内容和与广播内容相关的呼叫动作。 通过网络接收号召性用语。 该方法包括向用户呈现广播内容和呼叫动作，响应于呼叫动作接收来自用户的触发信号，以及响应于触发信号发起通过网络的交互 在用户和与号召性用语相关联的号召性用语方之间。 该方法使得能够在用户和呼叫方之间建立交互，而不管呼叫方是与广播者是同一实体还是与其不同的实体。
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