公开(公告)号：US20190244188A1

公开(公告)日：2019-08-08

申请号：US16389925

申请日：2019-04-20

申请人： Michelle Fisher

发明人： Michelle Fisher

IPC分类号： G06Q20/20 ,  H04W4/21 ,  G06Q20/16 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q30/06 ,  H04B5/00 ,  H04W4/18 ,  H04M1/725 ,  G06Q20/10 ,  H04W8/20 ,  G06Q20/00

CPC分类号： G06Q20/20 ,  G06Q20/00 ,  G06Q20/10 ,  G06Q20/105 ,  G06Q20/108 ,  G06Q20/16 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3223 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/4012 ,  G06Q20/4014 ,  G06Q20/409 ,  G06Q30/02 ,  G06Q30/0222 ,  G06Q30/0238 ,  G06Q30/0251 ,  G06Q30/0253 ,  G06Q30/0255 ,  G06Q30/0267 ,  G06Q30/0268 ,  G06Q30/06 ,  G06Q30/0613 ,  G06Q30/0635 ,  G06Q40/00 ,  G06Q40/10 ,  G06Q40/12 ,  G07F7/1008 ,  H04B5/0025 ,  H04M1/72561 ,  H04N21/812 ,  H04W4/02 ,  H04W4/029 ,  H04W4/18 ,  H04W4/21 ,  H04W4/80 ,  H04W8/205 ,  H04W88/02

摘要： A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

公开(公告)号：US20190236595A1

公开(公告)日：2019-08-01

申请号：US16377720

申请日：2019-04-08

申请人： CardinalCommerce Corporation

发明人： Michael A. Keresman, III ,  Andrew J. Hartridge ,  Chandra S. Balasubramanian

IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06F21/34 ,  G06F21/46 ,  G06F21/77 ,  H04L9/32 ,  C07D209/88 ,  G06Q20/36 ,  G06Q20/34 ,  G06Q20/10 ,  G06Q20/08

CPC分类号： G06Q20/385 ,  C07D209/88 ,  G06F21/34 ,  G06F21/46 ,  G06F21/77 ,  G06Q20/0855 ,  G06Q20/105 ,  G06Q20/3415 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q2220/00 ,  G06Q2220/10 ,  G06Q2220/145 ,  G06Q2220/18 ,  G07F7/1008 ,  H04L9/3228 ,  H04L2209/56

摘要： A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token. The random numbers are generated by external systems and delivered to the token for storage in an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.

公开(公告)号：US20190220853A1

公开(公告)日：2019-07-18

申请号：US16218917

申请日：2018-12-13

申请人： Mastercard International Incorporated

发明人： Haribabu Srinivasan ,  Ravi Pareek ,  Sachin Kumar Agarwalla ,  Twinkle Mahendra Parmar ,  Vasudevan Chandrasekaran

IPC分类号： G06Q20/38

CPC分类号： G06Q20/381 ,  G06Q20/027 ,  G06Q20/10 ,  G06Q20/382

摘要： A method for processing a cross-border payment includes receiving inbound payment data from a first financial institution located in a first country. The inbound payment data is in a first message format. The method further includes generating a payment request based on the inbound payment data such that the payment request is in the second message format, and processing the generated payment request. Processing comprises approving or declining the payment request. If the payment request is approved, the method further includes generating outbound payment data such that the outbound payment data is in the first message format, and sending the outbound payment data to a second financial institution located in a second country. A system for processing a cross-border payment is also provided.

公开(公告)号：US20190205875A1

公开(公告)日：2019-07-04

申请号：US16297803

申请日：2019-03-11

申请人： THE GOVERNING COUNCIL OF THE UNIVERSITY OF TORONTO

发明人： Glenn GULAK ,  Alhassan KHEDR

IPC分类号： G06Q20/38 ,  H04L9/00

CPC分类号： H04L63/0414 ,  A61B5/72 ,  G06N20/00 ,  G06Q20/08 ,  G06Q20/382 ,  G06Q20/38215 ,  G06Q20/3829 ,  G06Q2220/00 ,  G16H10/40 ,  G16H10/60 ,  H04L9/008 ,  H04L9/3093 ,  H04L63/0428

摘要： A system and method of validating and performing operations on homomorphically encrypted data are described herein. The methods include processing a secure financial transaction by receiving a transaction request to complete a financial transaction, with at least a portion of the request encrypted according to a homomorphic encryption scheme, and the transaction request comprising confidential cardholder data including an account number, non-confidential cardholder data, and transaction data, and retrieving one or more sets of encrypted comparison cardholder data encrypted according to a homomorphic encryption scheme. The confidential cardholder data is then compared to each set of the comparison cardholder data using one or more homomorphic operations to determine which set of comparison cardholder data matches the confidential cardholder data and validating the confidential cardholder data. An encrypted indicator is generated indicating authorization or rejection of the request and forwarded to a party seeking authorization to complete the financial transaction.

公开(公告)号：US20190205864A1

公开(公告)日：2019-07-04

申请号：US16297746

申请日：2019-03-11

申请人： Sony Corporation

发明人： Ji LI ,  Zhihui ZHANG

IPC分类号： G06Q20/32 ,  H04W4/38 ,  H04W12/04

CPC分类号： G06Q20/3224 ,  G06Q20/382 ,  G06Q20/4016 ,  G06Q2220/00 ,  H04W4/21 ,  H04W4/38 ,  H04W12/00503 ,  H04W12/04 ,  H04W76/14

摘要： There is disclosed a device and method in a wireless communication system and a wireless communication system, the device including: a secure channel establishing unit configured to establish a secure communication channel between a first apparatus and a second apparatus using a location-based service; a data security key generating unit configured to generate a data security key for protecting service data based on at least a channel key extracted from the secure communication channel; and a controlling unit configured to control the service data protected using the data security key to be transmitted on the secure communication channel. According to the embodiments of the disclosure, it is possible to improve security of data transmission.

公开(公告)号：US20190205863A1

公开(公告)日：2019-07-04

申请号：US16331395

申请日：2017-09-07

申请人： Samsung Electronics Co., Ltd.

发明人： Jun-Kyoung SHIN ,  Choong-Hoon KIM ,  Sung-Jun KIM

IPC分类号： G06Q20/32 ,  G06Q20/34 ,  G06Q20/38 ,  H04W4/02

CPC分类号： G06Q20/3221 ,  G06Q20/30 ,  G06Q20/32 ,  G06Q20/3278 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/382 ,  H04W4/00 ,  H04W4/02

摘要： The present invention relates to an electronic device and, more particularly, to an electronic device and a method for providing a payment service in the electronic device. To this end, the present invention provides an electronic device for providing a payment service, comprising: a display; a storage unit for storing a plurality of security elements; a communication interface for performing communication with a near field communication (NFC) reader; and a processor, wherein the processor may be configured to: parse payment information during installation of a first security element; check whether the first security element collides with a previously stored second security element, on the basis of the parsed payment information; output a pop-up window on the display when the first security element collides with the second security element; and when the first security element is selected through the output pop-up window, configure a user interface and configure a routing table including the first security element and a corresponding protocol.

公开(公告)号：US20190197610A1

公开(公告)日：2019-06-27

申请号：US16141207

申请日：2018-09-25

申请人： Mastercard International Incorporated

发明人： Ashutosh Subhash GIJARE ,  Krishna Prasad VASIREDDY ,  Moreshwar Mukund DATYE ,  Rahul AGRAWAL ,  Sudhir GUPTA

IPC分类号： G06Q30/08 ,  G06Q40/04 ,  G06Q30/02 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/32

CPC分类号： G06Q30/08 ,  G06Q20/3224 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q30/0214 ,  G06Q40/04 ,  H04L9/3226

摘要： According to a first aspect, there is provided an offer-and-acceptance matching server comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the offer-and-acceptance matching server at least to: receive, through the communication port, a query to determine deals for fund offer, fund acceptance, or both, available within a provided distance; interrogate a database to determine one or more fund offer deals, one or more fund acceptance deals, or both that match the query, the database containing records of such deals registered with the database; and respond, through the communication port, to the query with the deals that are within the provided distance.

公开(公告)号：US20190197548A1

公开(公告)日：2019-06-27

申请号：US15850924

申请日：2017-12-21

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： Carole Lynne Kelly-Frank ,  Aimee G. Musil

IPC分类号： G06Q20/40 ,  G06Q20/36 ,  G06Q20/12 ,  G06Q20/38 ,  H04L9/32

CPC分类号： G06Q20/4016 ,  G06Q20/12 ,  G06Q20/367 ,  G06Q20/382 ,  H04L9/32

摘要： Systems and methods are provided for processing network transactions based on use of tokens in the transactions. An exemplary system includes a network having a memory and a processor coupled to the memory, where the memory includes a token vault data structure having a listing of tokens stored therein in association with corresponding account numbers. In connection therewith, the processor is configured to receive a network request message from a routing network different than the network, where the network request message includes a token associated with an account involved in a transaction but not an actual account number used in the transaction. In response to the network request message, the processor is configured to convert the token to an account number associated with the account, based on the listing of tokens in the token vault data structure, and transmit the account number to the routing network.

公开(公告)号：US20190188726A1

公开(公告)日：2019-06-20

申请号：US16173562

申请日：2018-10-29

申请人： Riavera Corp.

发明人： Mark ITWARU

IPC分类号： G06Q20/42 ,  H04L29/08 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  H04L29/06 ,  H04L29/12 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/12

CPC分类号： G06Q20/425 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/382 ,  G06Q20/4014 ,  G06Q30/0601 ,  G06Q30/0613 ,  H04L29/12009 ,  H04L29/12367 ,  H04L29/12377 ,  H04L61/2514 ,  H04L61/2517 ,  H04L63/083 ,  H04L63/0838 ,  H04L63/0846 ,  H04L63/168 ,  H04L63/18 ,  H04L67/14 ,  H04L67/34 ,  H04L69/329 ,  H04L2463/102

摘要： Secure transactions are achieved over a public network by using a private network to handle the sensitive information of the transaction. When a client requests a product from a vendor server over a public network, the vendor server notifies a facilitation server on the public network. This results in the client receiving a set of computer readable instructions from the facilitation server. The set of instructions provide access instructions to a transaction server system on the private network so that sensitive transaction information is sent to the transaction server system on the private network rather than over the public Internet. Where the sensitive information is credit card information, the transaction server system may obtain authorisation for the transaction from a financial institution and then notify the vendor accordingly. Where the sensitive information is the identity of a user of the client, the transaction server may selectively authorise the transaction without the vendor being apprised of the identity of a user of the client. Secure communications may also be achieved by sending sensitive communications over the private network.

公开(公告)号：US20190188694A1

公开(公告)日：2019-06-20

申请号：US15845658

申请日：2017-12-18

申请人： MasterCard International Incorporated

发明人： Gautam Uppalapati ,  Smita Sebastian ,  Joshua Nathan Anderson ,  Sowmya Reddy Lakka

IPC分类号： G06Q20/38 ,  G06Q20/12

CPC分类号： G06Q20/385 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/382 ,  G06Q2220/00

摘要： A merchant computer system receives a first token transmitted to the merchant computer system from a customer device. A request for a second token is transmitted from the merchant computer system to a payment processor computer. The request includes the first token. The merchant computer system receives the second token that it requested. The second token is different from the first token. The merchant computer system transmits a payment account system transaction request to the payment processor computer. The latter request includes the second token.