公开(公告)号：WO2015184517A1

公开(公告)日：2015-12-10

申请号：PCT/BR2014/000287

申请日：2014-08-21

Applicant: LOCALIZA RENT A CAR S.A.

Inventor： WAGNER TEIXEIRA CAMPOS, Alberto ,  GONTIJO LEAL, Gustavo

IPC: G06Q30/06 ,  G06Q30/00 ,  G06Q10/02 ,  G06Q50/30 ,  G06K9/20 ,  G06K9/00 ,  G06Q20/30

CPC classification number: G06Q30/0645 ,  G06K9/00288 ,  G06K9/00442 ,  G06Q10/02 ,  G06Q20/18 ,  G06Q20/206 ,  G06Q20/40145 ,  G06Q50/10 ,  G07C9/00158 ,  G07C9/00166

Abstract: The present invention makes reference to an automated service system with automatic user' s identification involving a self-service terminal (1) equipped with facial biometric recognition system with frontal camera (4), aforementioned camera is composed by an outer body for the frontal camera, flat surface coupled to such body; an image capturing device (digital camera or digitalizing scanner), LED light (Light Emitting Diode) for internal illumination of the camera, polarizing filters to adjust the camera internal illumination. The invention also makes reference to the automated service process with automatic user's identification.

Abstract translation: 本发明参考具有自动用户识别的自动服务系统，该自动服务系统涉及具有正面照相机（4）的面部生物识别系统的自助终端（1），上述相机由用于正面照相机的外部主体 ，平面耦合到这种身体; 用于照相机内部照明的图像捕获装置（数码相机或数字化扫描仪），LED灯（发光二极管），用于调整相机内部照明的偏振滤光片。 本发明还参考具有自动用户识别的自动化服务过程。

公开(公告)号：WO2015163771A1

公开(公告)日：2015-10-29

申请号：PCT/NZ2015/050048

申请日：2015-04-23

Applicant: TRUESDALE, Julien

Inventor： TRUESDALE, Julien

IPC: G06Q20/40 ,  G06Q20/30

CPC classification number: G06Q20/425 ,  G06Q20/3224 ,  G06Q20/325 ,  G06Q20/352

Abstract: A commercial transaction, such as a contactless point of sale transaction, uses a purchasing device (6) such as a contactless payment card to wirelessly communicate transaction information to a point of sale device (2). An authentication device (8) such as a smart phone or smart watch may be used to wirelessly communicate authentication or verification information to the purchasing device or the point of sale device to enable the transaction to be completed.

Abstract translation: 诸如非接触式销售点交易的商业交易使用诸如非接触式支付卡的购买设备（6）将交易信息无线地传送到销售点设备（2）。 可以使用诸如智能电话或智能手表的认证设备（8）将认证或验证信息无线地传送到购买设备或销售点设备，以使交易能够完成。

公开(公告)号：WO2015163558A1

公开(公告)日：2015-10-29

申请号：PCT/KR2014/012445

申请日：2014-12-17

Applicant: 에스케이플래닛 주식회사

Inventor： 곽세병

IPC: G06Q20/30

CPC classification number: G06Q20/30

Abstract: 본 발명은, 생체 정보 인식을 이용한 결제 방법, 이를 위한 장치 및 시스템에 관한 것으로서, 결제 시스템의 단말 장치가, 결제 서비스에 이용할 생체 정보 인식 방식을 미리 설정하고, 미리 설정된 생체 정보 인식 방식에 따라 인식된 생체 정보에 대한 생체 등록 정보 및 결제 정보를 등록하고, 결제 요청 시 미리 설정된 생체 정보 인식 방식에 따라 생체 정보를 인식하고, 인식된 생체 정보를 이용하여 결제를 요청하면, 서비스 장치가, 단말 장치로부터 생체 등록 정보 및 결제 정보를 수신하여 미리 등록하고, 단말 장치로부터 결제 요청 시 수신된 생체 정보를 기 등록된 생체 등록 정보와 비교하여 사용자 인증을 수행하고, 사용자 인증이 성공하면, 생체 정보에 매핑되어 등록된 결제 정보를 이용하여 요청된 결제 처리를 수행한 후, 결제 처리 결과 정보를 단말 장치로 전송함으로써, 보다 정확하게 사용자 인증을 수행할 수 있으며, 결제 시의 보안을 강화할 수 있는 효과가 있다.

Abstract translation: 本发明涉及使用生物识别信息识别的支付方法及其装置和系统，并且当支付系统中的终端装置预先设定要用于支付服务的生物特征信息识别方案时，登记生物特征登记信息 并且根据预设生物体信息识别方案识别的生物体信息的支付信息，根据用于支付请求的预设生物体信息识别方案识别生物体信息，并通过使用识别的生物体信息请求支付，服务设备接收， 从终端装置预先注册生物特征登记信息和支付信息，通过将从支付请求的终端装置接收到的生物体信息与预先登录的生物特征登记信息进行比较，进行用户认证，处理所请求的付款 如果用户认证成功，映射到生物信息的支付信息被登记，然后向终端设备发送支付处理结果信息，从而使得在付款期间能够更准确地进行用户认证和加强安全性。

公开(公告)号：WO2015023978A1

公开(公告)日：2015-02-19

申请号：PCT/US2014/051336

申请日：2014-08-15

Applicant: TELEPERFORMANCE, SA

Inventor： TRUITT, Alan

IPC: G06Q20/10 ,  G06Q20/30 ,  G06Q20/32

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q20/16 ,  G06Q20/305 ,  G06Q20/32 ,  G06Q30/04 ,  G06Q30/0613 ,  G06Q30/0635

Abstract: An apparatus for processing telephone orders includes a communications module (202) that establishes a telephonic connection between a customer service representative of a merchant and a customer, an identification module (204) that receives an identifier linking the customer to a customer billing profile, and a billing profile access module (206) that receives electronic access to the customer billing profile. The customer billing profile includes billing information of the customer. The apparatus includes a transaction module (208) that processes a sales order using the customer billing profile of the customer in response to a customer approval of the sales order. The sales order is for a product and/or a service offered by the merchant. The billing information of the customer billing profile is unavailable for viewing by the customer service representative.

Abstract translation: 一种用于处理电话订单的装置包括在商户的客户服务代表和客户之间建立电话连接的通信模块（202），接收将客户与客户账单相关联的标识符的识别模块（204）以及 接收对客户计费简档的电子访问的计费简档访问模块（206）。 客户帐单资料包括客户的帐单信息。 该设备包括交易模块（208），其响应于客户对销售订单的批准，使用客户的客户结算简档处理销售订单。 销售订单用于商家提供的产品和/或服务。 客户账单配置文件的计费信息不可供客户服务代表查看。

公开(公告)号：WO2013184657A2

公开(公告)日：2013-12-12

申请号：PCT/US2013/044070

申请日：2013-06-04

Applicant: NOKIA CORPORATION ,  AHMED, Zahid ,  MALMSTROM, Jarno

Inventor： AHMED, Zahid ,  MALMSTROM, Jarno

IPC: G06Q20/30

CPC classification number: G06Q20/14 ,  G06Q20/20 ,  G06Q20/32 ,  G07F17/24

Abstract: An approach is provided for managing vehicle-related payment and/or billing transactions using a navigation-based user interface. A navigation extensions platform determines payment information, billing information, or a combination thereof associated with one or more vehicle related services. The navigation extensions platform causes, at least in part, a rendering of the payment information, the billing information, or a combination thereof on a navigation-based user interface associated with a vehicle, a device associated with the vehicle, or a combination thereof. The navigation extensions platform further causes, at least in part, an initiation of one or more payments to the one or more vehicle-related services based, at least in part, on one or more interactions with the navigation-based user interface.

Abstract translation: 提供了一种使用基于导航的用户界面来管理车辆相关支付和/或计费交易的方法。 导航扩展平台确定与一个或多个车辆相关服务相关联的支付信息，计费信息或其组合。 导航扩展平台至少部分地导致与车辆相关联的基于导航的用户界面上的支付信息，计费信息或其组合的呈现，与车辆相关联的设备或其组合。 至少部分地，导航扩展平台至少部分地基于与基于导航的用户界面的一个或多个交互，至少部分地导致对一个或多个车辆相关服务的一个或多个支付的启动。

公开(公告)号：WO2013055114A1

公开(公告)日：2013-04-18

申请号：PCT/KR2012/008236

申请日：2012-10-11

Applicant: 에스케이플래닛 주식회사

Inventor： 이원준 ,  임동필 ,  정혜윤 ,  김세현

IPC: G06Q20/40 ,  G06Q20/30

CPC classification number: G06Q20/385 ,  G06Q20/10 ,  G06Q20/4016 ,  G06Q20/405

Abstract: 본 발명은 전자 결제를 수행하는 과정에서 사용자의 로그인 정보를 확인하여 접속 빈도 우수 고객 여부를 판단하고, 판단 결과에 근거하여 구매자의 보유 결제 수단 및 선호 결제 수단 정보 중 하나 이상의 정보를 제공하여 구매자가 보다 편리하게 결제를 수행할 수 있도록 하는 전자 결제 방법, 시스템 및 장치에 관한 것이다. 또한, 본 발명은 폰빌(Phone Bill) 정보나 신용카드 정보를 이용하여 전자 결제를 수행하는 과정에서 사용자가 선택한 결제 수단 정보에 따라 OTP(One Time Password), 통신사 또는 카드사를 통한 인증을 수행하여 보다 안전하게 전자 결제를 수행할 수 있도록 하는 전자 결제 방법, 시스템 및 장치에 관한 것이다. 따라서, 본 발명에 의하면, 전자 결제를 수행하는 과정에서 사용자의 로그인 정보를 확인하여 접속 빈도 우수 고객 여부를 판단하고, 판단 결과에 근거하여 구매자의 보유 결제 수단 및 선호 결제 수단 정보 중 하나 이상의 정보를 제공하여 구매자가 보다 편리하게 결제를 수행할 수 있고, 폰빌 정보 또는 신용카드 정보를 이용하여 전자 결제를 수행하는 과정에서 사용자가 선택한 결제 수단 정보에 따라 OTP, 통신사 또는 카드사 인증을 수행하여 보다 안전하게 전자 결제를 수행할 수 있도록 하는 효과가 있다.

Abstract translation: 本发明涉及一种电子支付方法，系统和装置，其中，在执行电子支付的处理中，验证用户登录信息以确定用户是否是具有良好连接频率的顾客，然后 买方的付款是指根据确定结果提供信息和/或首选付款方式的信息，因此买方能够以更方便的方式执行支付。 另外，本发明涉及一种电子支付方法，系统和装置，其中，在通过使用电话帐单信息或信用卡信息执行电子支付的处理中，通过一次性密码（OTP）执行认证， 通信公司或卡公司，这取决于用户选择的支付意味着信息，从而可以以更安全的方式执行电子支付。 因此，在执行电子支付的过程中，本发明能够验证用户的登录信息，以便确定用户是否是具有良好连接频率的顾客，然后买方的支付意味着信息和/或优选 基于确定结果提供支付手段信息，因此买方能够以更方便的方式执行支付; 并且在通过使用电话帐单信息或信用卡信息执行电子支付的处理中，本发明使得能够通过OTP，通信公司或卡公司执行认证，这取决于根据由 用户，因此可以以更安全的方式执行电子支付。

公开(公告)号：WO2013036174A3

公开(公告)日：2013-03-14

申请号：PCT/RU2012/000738

申请日：2012-09-05

Applicant: RAWLLIN INTERNATIONAL INC. ,  OSKOLOV, Ilya Vladimirovich ,  SHISHKOV, Rodion Borisovich

Inventor： OSKOLOV, Ilya Vladimirovich ,  SHISHKOV, Rodion Borisovich

IPC: G06Q20/10 ,  G06Q20/30

Abstract: Techniques for efficient transfer of funds between parties using personal communication devices are presented. A first user can use a first communication device to transfer funds from an account associated with the first user to a second user via a communication address associated with the second user's second communication device even if the second user is not registered with a financial service provider associated with the account of the first user. The funds can be sent from the first communication device using the Internet, mobile communication systems, or other communication technology via a message, an email, a voice mail, etc., to the second user, wherein notification of the funds can be sent to the second communication device. The first user can send funds using an account with the financial service provider or an affiliated account, and the second user can have the funds deposited into a desired account.

公开(公告)号：WO2012129211A1

公开(公告)日：2012-09-27

申请号：PCT/US2012/029772

申请日：2012-03-20

Applicant: QUALCOMM INCORPORATED ,  JAIN, Nikhil ,  MENENDEZ, Jose R.

Inventor： JAIN, Nikhil ,  MENENDEZ, Jose R.

IPC: G06Q20/22 ,  G06Q20/30

CPC classification number: G06Q20/3221 ,  G06Q20/385

Abstract: In an exemplary embodiment, a method for leveraging a payment token comprising a non-confidential number (i.e., "cellcard number"), such as a phone number associated with a user's portable computing device ("PCD"), to effect purchase transactions against one of possibly a plurality of value accounts associated with the non-confidential number comprises presenting a cellcard number for purchase of goods, requesting that a value account associated with the cellcard number be debited and, before debiting the value account and completing the purchase transaction, transmitting a request for authorization of the transaction to the user's PCD.

Abstract translation: 在示例性实施例中，用于利用包括非机密号码（即，“蜂窝卡号”）的支付令牌的方法，例如与用户的便携式计算设备（“PCD”）相关联的电话号码来实现针对 可能与非机密号码相关联的多个价值帐户中的一个包括呈现用于购买商品的蜂窝卡号，请求将与该卡片号码相关联的价值账户借记，并且在借记价值账户并完成购买交易之前， 向用户的PCD发送交易授权请求。

公开(公告)号：WO00019349A1

公开(公告)日：2000-04-06

申请号：PCT/JP1999/001151

申请日：1999-03-10

IPC: G06K17/00 ,  G06F3/08 ,  G06F19/00 ,  G06Q10/00 ,  G06Q20/00 ,  G06Q20/30 ,  G06Q20/34 ,  G06Q20/36 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q50/00 ,  G07F7/08 ,  G07F7/10

CPC classification number: G07F7/1008 ,  G06Q20/341 ,  G07F7/084 ,  G07F7/0866 ,  G07F7/0873 ,  G07F7/0886

Abstract: An IC card processor carried with an IC card as electronic money confirms information about the balance related directly to electronic money as well as other information such as shop names. When the IC card (20) is connected, pieces of card information (main and supplement information) are read out from nonvolatile memory of the IC (22). A user searches, displays and selects such main information as shop names and payments by pressing SHIFT key (5) and SELECT key (4). Supplement information, such as award points, is displayed by pressing ENTER key (6). The card information can be sorted, edited or selectively deleted. IC cards of different specifications can also be handled.

Abstract translation: 携带IC卡作为电子货币的IC卡处理器确认关于与电子货币直接相关的余额的信息以及诸如商店名称的其他信息。 当连接IC卡（20）时，从IC（22）的非易失性存储器读出卡信息（主信息和补充信息）。 用户通过按SHIFT键（5）和SELECT键（4）搜索，显示和选择商店名称和付款的主要信息。 按ENTER键（6）显示补充信息，如奖励积分。 卡片信息可以进行排序，编辑或选择性删除。 也可以处理不同规格的IC卡。

公开(公告)号：WO99058987A1

公开(公告)日：1999-11-18

申请号：PCT/KR1999/000233

申请日：1999-05-12

IPC: G01R11/00 ,  G01R1/30 ,  G01R11/02 ,  G01R11/04 ,  G01R11/32 ,  G01R21/133 ,  G01R22/00 ,  G06F17/40 ,  G06Q20/00 ,  G06Q20/06 ,  G06Q20/20 ,  G06Q20/30 ,  G07F7/08 ,  G07F7/10 ,  G07F15/00 ,  G07F15/04 ,  G07F15/06 ,  H04B3/54 ,  H04L9/08 ,  H04L9/32

CPC classification number: G07F15/003 ,  G06Q20/341 ,  G06Q20/363 ,  G06Q20/40975 ,  G07F7/0866 ,  G07F7/1008 ,  G07F7/1016 ,  G07F15/06 ,  H04B3/546 ,  H04B2203/5433 ,  H04L9/0844 ,  H04L9/3247 ,  H04L9/3273 ,  H04L2209/56 ,  H04L2209/805

Abstract: A value store electric power meter is provided. The server of an electric power supplier, an electric power seller, or an electric power reseller transfers value through an electric power line through a built-in electric power modem, stores value received through the electric power modem inside the value store electric power meter in a value store module, reduces a value according to the amount of electric power consumption, omits processes of visually reading a meter, calculating the amount of use, printing and mailing a bill, settling up, and paying an uncollected amount and arrears. Accordingly, it is possible to save electric power supplying costs, to reduce the electric power rate by a user, and maximizing the profit of the electric power supplier. The electric power meter is used for IC card payment type gas and water meters in which the IC card having credit value is transferred and stored in an off-line state. Accordingly, the electric power value and the added value measurement is easily and rapidly performed. Therefore, it is convenient for the user and remarkably reduces all the costs.

Abstract translation: 提供了一个价值储存电力表。 电力供应商，电力供应商或电力经销商的服务器通过内置电力调制解调器通过电力线路传输价值，将通过电力调制解调器接收的值存储在价值存储电力计量表内 价值存储模块，根据电力消耗量减少值，省略视觉读取仪表的处理，计算使用量，打印和邮寄账单，结算并支付未收到的金额和欠款。 因此，可以节省电力供给成本，降低用户的电力利用率，并使电力供给者的利润最大化。 电力仪表用于IC卡支付型燃气和水表，其中具有信用值的IC卡被转移并存储在离线状态。 因此，电力值和附加值测量容易且快速地进行。 因此，方便用户，显着降低成本。