公开(公告)号：WO2019103813A1

公开(公告)日：2019-05-31

申请号：PCT/US2018/058325

申请日：2018-10-31

申请人： ONYX CENTERSOURCE, INC.

发明人： DUBROW, Mark, S. ,  NICHOLSON, Joseph, W.

IPC分类号： G06F13/14 ,  G06F21/30 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q30/06

摘要： A system for reconciling a group of electronic transactions comprising a memory configured to store transaction information associated with a group of scheduled electronic transactions. The transaction information includes an end time for the group of scheduled transactions. The memory also stores transaction information associated with executed electronic transactions. The system further comprises a first interface configured to receive, from a first user, information associated with the group of scheduled transactions; and a second interface configured to receive, from a second user, information associated with the executed transactions. The system further comprises a processor communicably coupled to the memory, the first interface, and the second interface. The processor determines that the end time for the group of scheduled transactions has passed; compares the executed transactions with the group of scheduled transactions to determine a set of fulfilled transactions; and generates a request for payment fulfillment for the fulfilled transactions.

公开(公告)号：WO2019088687A1

公开(公告)日：2019-05-09

申请号：PCT/KR2018/013090

申请日：2018-10-31

申请人： (주)알티캐스트

发明人： 조창훈 ,  민정기

IPC分类号： G06Q30/00 ,  G06Q20/12 ,  G06Q50/10 ,  H04L9/32 ,  G06F21/16

CPC分类号： G06F21/16 ,  G06Q20/123 ,  G06Q30/018 ,  G06Q50/10 ,  H04L9/321

摘要： 본 발명은 블록체인기술을 이용한 컨텐츠 유통 관리 기술에 관한 것으로서, 일실시예에 따른 블록체인기술을 이용한 컨텐츠 유통 관리 시스템은 사용자 단말기로부터의 컨텐츠 구매 요청 신호에 응답하여 구매 트랜잭션을 생성하는 구매 트랜잭션 생성부, 생성된 구매 트랜잭션을 브로드캐스팅하는 브로드캐스팅 처리부, 브로드캐스팅된 구매 트랜잭션이 검증된 후에 검증된 구매 트랜잭션에 대응되는 컨텐츠가 사용자 단말기에서 이용되면, 이용 트랜잭션을 수집하는 트랜잭션 처리부, 수집된 이용 트랜잭션을 검증하는 트랜잭션 검증부, 검증된 이용 트랜잭션에 대응되는 제1 블록 및 제2 블록을 생성하는 블록 생성부, 및 생성된 제1 블록 및 제2 블록을 각각의 분산원장에 구분지어 기록하는 분산원장 관리부를 포함할 수 있다.

公开(公告)号：WO2019013461A1

公开(公告)日：2019-01-17

申请号：PCT/KR2018/006884

申请日：2018-06-19

申请人： 주식회사 다날

发明人： 이종면 ,  김재훈

IPC分类号： G06Q20/12 ,  G06Q20/22 ,  G06Q20/16 ,  G06Q20/32

CPC分类号： G06Q20/123 ,  G06Q20/16 ,  G06Q20/22 ,  G06Q20/322

摘要： 온라인을 통해 복수의 디지털 콘텐츠들의 거래를 지원하는 디지털 콘텐츠 판매 서비스 장치 및 그 동작 방법이 개시된다. 본 발명은 사용자가 구매하고자 하는 디지털 콘텐츠의 결제 금액에 따른 누적 결제 금액이 결제 한도 금액을 초과하는 경우, 휴대폰 소액결제를 추가적으로 수행함으로써, 디지털 콘텐츠의 정상 구매를 지원할 수 있는 디지털 콘텐츠 판매 서비스 장치 및 그 동작 방법을 제공할 수 있다.

公开(公告)号：WO2018189163A1

公开(公告)日：2018-10-18

申请号：PCT/EP2018/059138

申请日：2018-04-10

申请人： SONECT AG

发明人： CHAKRABORTY, Sandipan ,  BÜRGEL, Sebastian

IPC分类号： G06Q20/12

CPC分类号： G06Q20/12 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/26

摘要： A system for effecting financial transactions between a first party and a second party comprises a pass-through bank account (231) of a service provider for storing fiat money, an API interface (103) allowing for initiating payments from a bank account (211) of the first party (10) for storing fiat money to the pass-through bank account (231), a first e-money account (111) for storing electronic currency, the first e-money account (111) being assigned to the first party (10) and a second e-money account (112) for storing electronic currency, the second e-money account (112) being assigned to the second party (20). The system further comprises a first conversion module (113) for generating electronic currency and storing the electronic currency in the first e-money account (111), the amount corresponding to a fiat money amount transferred from the bank account (211) of the first party (10) to the pass-through bank account (231), an authentication module (120, 24) for authenticating the first party (10) vis-a-vis the second party (20) and a transfer module (115) for transferring electronic currency from the first e-money account (111) to the second e-money account (112).

公开(公告)号：WO2018177321A1

公开(公告)日：2018-10-04

申请号：PCT/CN2018/080843

申请日：2018-03-28

申请人： 腾讯科技(深圳)有限公司

发明人： 乔莎莎

IPC分类号： G06Q20/08 ,  G06Q20/12

CPC分类号： G06Q20/085 ,  G06Q20/12

摘要： 一种代充值方法，包括：获取第一终端发送的指向第二终端的包含预设应用属性的充值数据信息（101）；根据预设应用属性确定充值类型，根据充值数据信息形成包含充值类型的充值数据包（103）；将充值数据包发送给第二终端（104）；获取第二终端对充值数据包的操作指令，根据操作指令完成充值操作（107）。

公开(公告)号：WO2018167575A1

公开(公告)日：2018-09-20

申请号：PCT/IB2018/000466

申请日：2018-03-05

申请人： ALCATEL LUCENT

发明人： GU, Fengshen ,  BIAN, Haihua ,  WANG, Jianlin

IPC分类号： G06Q20/12 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/12 ,  G06Q20/227 ,  G06Q20/34 ,  G06Q20/40

摘要： Embodiments of the present disclosure provide methods, apparatuses and computer program for providing a secure payment service. A method in a first network device comprises receiving a payment request indicating an identity and payment information of a user; in response to the payment request being authenticated as valid, sending to a home gateway a payment token indicating the identity and the payment information of the user, the home gateway being bound with a first credit card of the user; receiving information on a second credit card from the home gateway; and authorizing payment at least based on an equivalence of the first and the second credit cards. Embodiments of the present disclosure may provide a safe and convenient way for paying directly with a credit card.

公开(公告)号：WO2018167570A3

公开(公告)日：2018-09-20

申请号：PCT/IB2018/000363

申请日：2018-03-16

申请人： AGE CHECKED LIMITED

发明人： GRAHAM, Alastair ,  GRECH, Charles ,  MICALLEF, Conrad

IPC分类号： G06Q20/12 ,  G06Q20/02 ,  G06Q20/40 ,  G06F21/31 ,  G06F21/62

摘要： A computerized method for securely verifying age of users of remote devices interacting with provider resources includes receiving a request for age verification of the user; providing directly to the user device an interface for input of identifying data; receiving, from the user device, identifying data; providing, to a third party verification source, the identifying data; receiving, from the third party verification source, an indication of confirmation of the identifying data; determining, based on the received indication, whether a confidence level has been met; responsive to determining that a confidence level as been met, causing a token indicative of age verification to be generated; providing the token to the user device; providing a positive indication to the provider system, including identification of the token, and anonymizing user-identifiable data.

公开(公告)号：WO2018164382A1

公开(公告)日：2018-09-13

申请号：PCT/KR2018/001716

申请日：2018-02-08

申请人： 양태규

发明人： 양태규

IPC分类号： G06Q30/06 ,  G06Q30/04 ,  G06Q30/00 ,  G06Q20/12 ,  G06Q20/22

CPC分类号： G06Q20/123 ,  G06Q20/22 ,  G06Q30/018 ,  G06Q30/04 ,  G06Q30/0619

摘要： 본 발명의 실시 형태는 무형 자산을 창작한 판매자가 사용하는 단말기로서, 창작한 무형 자산을 무형 자산 중개 서버에 등록하는 판매자 단말기; 판매자 단말기를 통해 등록된 무형 자산을 판매하는 무형 자산 판매 화면을 어플리케이션, 모바일 웹, 홈페이지에서 각각 구동되도록 생성하여 구매자 단말기에 제공하며, 무형 자산의 판매가 완료된 경우, 구매자로부터 선택되어 결제된 무형 자산의 판매 금액에서 미리 설정된 수수료를 제외한 금액을 판매 완료된 무형 자산의 판매자의 계좌로 이체시켜주는 무형 자산 중개 서버; 구매자가 사용하는 단말기로서, 상기 무형 자산 중개 서버에서 제공되는 무형 자산 판매 화면을 표시하며, 구매자에 의해 거래 요청된 무형 자산의 결제를 수행하는 구매자 단말기; 및 상기 판매자 단말기, 무형 자산 중개 서버, 및 구매자 단말기간에 유선 통신 또는 무선 통신을 제공하는 유무선 통신망;을 포함할 수 있다.

公开(公告)号：WO2018126059A1

公开(公告)日：2018-07-05

申请号：PCT/US2017/068798

申请日：2017-12-28

申请人： SLOCK.IT, INC.

发明人： JENTZSCH, Christoph ,  JENTZSCH, Simon ,  TUAL, Stephane

IPC分类号： G06Q20/02 ,  G06Q20/04 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q30/02 ,  G07F7/08 ,  H04L9/32

摘要： A distributed ledger, e.g., blockchain, enabled operating environment includes a user device that accesses services of a service device by leveraging the decentralized blockchain. For example, a user device can lock/unlock a door (e.g., service device) by interfacing with a smart contract stored on the decentralized blockchain. The user device provides parameters, such as payment, that satisfies the variables of the smart contract such that the user device can access the service device. The service device regularly retrieves information stored in the smart contract on the decentralized blockchain. For example, the retrieved information can specify that the user device is authorized to access the service device or that the service device is to provide a service. Therefore, given the retrieved information, the service device provides the service to the user device.

公开(公告)号：WO2018089200A1

公开(公告)日：2018-05-17

申请号：PCT/US2017/058424

申请日：2017-10-26

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： HOSNY, Ahmed ,  GROARKE, Peter

IPC分类号： G06Q10/08 ,  G06Q30/06 ,  G06Q20/12

摘要： A method of electronic user message protocol extension for a transaction requiring delivery is provided. The method is implemented using a message protocol extension (MPE) computing device. The method comprises receiving, from a merchant computing device, transaction data including a merchant identifier identifying a merchant as a default liable party, receiving, from a delivery computing device, an authorization advice data message including recipient account data for an account of the recipient, extracting an issuer identifier, reallocating transaction liability by replacing the merchant identifier with the issuer identifier in a liable party transaction record, generating an updated authorization advice data message by inserting, into the authorization advice data message, a liability update flag indicating message protocol extension to the issuer, transmitting the updated authorization advice data message to an issuer computing device associated with the issuer, thereby completing message protocol extension for the item from the merchant to the issuer.

摘要翻译： 提供了一种需要传送的交易的电子用户消息协议扩展方法。 该方法使用消息协议扩展（MPE）计算设备来实现。 该方法包括从商家计算设备接收包括将商家识别为默认责任方的商家标识符的交易数据;从递送计算设备接收包括接收方账户的接收方账户数据的授权建议数据消息; 提取发行者标识符，通过用责任方交易记录中的发行者标识符替换商户标识符来重新分配交易责任，通过将指示消息协议扩展的赔偿更新标志插入到授权建议数据消息中来生成更新的授权建议数据消息， 发行者将更新的授权建议数据消息发送到与发行方相关联的发行方计算设备，由此完成从商家到发行方的项目的消息协议扩展。