公开(公告)号：WO2016130739A1

公开(公告)日：2016-08-18

申请号：PCT/US2016/017443

申请日：2016-02-11

申请人： GLOBAL COMPASSION, LLC

发明人： DALLENBACH, David ,  TURNER, Steven

IPC分类号： G06Q20/10 ,  G06Q20/34 ,  G06Q20/40

CPC分类号： G06Q20/10 ,  G06Q20/204 ,  G06Q20/206 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/36 ,  G06Q20/40

摘要： A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.

摘要翻译： 手机银行系统和方法允许无银行账户的个人从事银行业务，由于个人没有银行账户，无法进行现金支票，存款等手段，因此个人无法使用银行业务。手机银行系统 允许无银行账户的个人创建注册的系统帐户并成为系统的客户。 该系统帐户允许客户在作为移动银行系统一部分的信用社和商家存款。 客户还可以从商家提取资金或从商家进行购买。 客户还可以向期望的捐赠接收者捐款，并创建一个钱包，允许客户将资金分配给钱包中的卡片，并允许个人访问与卡片相关的卡片和金钱。

公开(公告)号：WO2015191442A1

公开(公告)日：2015-12-17

申请号：PCT/US2015/034660

申请日：2015-06-08

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： HOSP, Adam, Kenneth ,  BROWN, David, Colby

IPC分类号： G06Q20/00

CPC分类号： G06Q20/3221 ,  G06Q10/107 ,  G06Q20/351

摘要： A method includes receiving, in a computer, a request for a funds transfer from a sender to a recipient. The method also includes sending, from the computer, a message to the recipient. The message indicates to the recipient that the funds transfer has been made and that the recipient has a number of options for receiving the funds transfer. The method further includes receiving, in the computer, from the recipient, an indication for indicating selection of one of the options for receiving the funds transfer.

摘要翻译： 一种方法包括在计算机中接收从发送者到接收方的资金转帐请求。 该方法还包括从计算机向接收者发送消息。 该消息向收件人指示已经进行资金转帐，并且接收方有多个用于接收资金转帐的选项。 该方法还包括在计算机中从接收者接收用于指示选择用于接收资金转移的选项之一的指示。

公开(公告)号：WO2015122851A1

公开(公告)日：2015-08-20

申请号：PCT/SG2015/050020

申请日：2015-02-11

申请人： EINNOVATIONS HOLDINGS PTE. LTD.

发明人： UBALDE, Oliver L. ,  SALCEDO, Richard C. ,  BASAS, Evelyn M. ,  YULO, Jose Antonio C. ,  VEA, Orlando B. ,  VILLANUEVA, Angelito M. ,  SANTIAGO, Agustin L.

IPC分类号： G06Q20/16 ,  G06Q20/00

CPC分类号： G06Q20/10 ,  G06Q10/107 ,  G06Q20/1085 ,  G06Q20/16 ,  G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/36 ,  G06Q20/381 ,  G06Q20/405 ,  G06Q50/01

摘要： A remittance system comprising a remittance platform operable to process a remittance request originating from a sender to a target beneficiary; the remittance request comprising a primary account number (PAN) of the sender; the remittance platform further operable to create an electronic account for the target beneficiary upon determining that the target beneficiary does not have an approved PAN for remittance to take place; wherein the creation of the electronic account comprises a link between a unique identifier of the target beneficiary and the generation of a primary account number for the beneficiary.

摘要翻译： 一种汇款系统，包括汇款平台，用于处理来自发送方的汇款请求给目标受益人; 所述汇款请求包括所述发送者的主帐号（PAN）; 汇款平台进一步可操作地在确定目标受益人没有批准的汇款以进行汇款时为目标受益人创建电子账户; 其中所述电子帐户的创建包括目标受益人的唯一标识符与所述受益人的主要帐号的生成之间的链接。

公开(公告)号：WO2015106206A1

公开(公告)日：2015-07-16

申请号：PCT/US2015/011035

申请日：2015-01-12

申请人： LEE, Patricia

发明人： LEE, Patricia

IPC分类号： G06Q30/06

CPC分类号： G06Q20/4014 ,  G06Q20/108 ,  G06Q20/3221 ,  G06Q20/351 ,  G06Q20/35785 ,  G06Q20/367 ,  G06Q20/405 ,  G06Q30/06 ,  G06Q30/0633 ,  G06Q40/02

摘要： The present teaching relates to methods, systems, and programming for financial management. In an example, a method for performing financial management is presented. A first set of rules associated with a first access credential to an account and a second set of rules associated with a second access credential to the account are provided. The second set of rules is at least partially different from the first set of rules. A determination is made whether the access credential received from a first user matches the first access credential. A first request related to the first user with respect to a transaction is received, and information regarding the transaction is extracted. At least one action is determined with respect to the first request based on the information and the first set of rules.

摘要翻译： 本教学涉及财务管理的方法，系统和程序设计。 在一个例子中，提出了一种执行财务管理的方法。 提供了与帐户的第一访问凭证相关联的第一组规则和与帐户的第二访问凭证相关联的第二组规则。 第二组规则至少部分不同于第一组规则。 确定从第一用户接收的访问凭证是否匹配第一访问凭证。 接收与第一用户相关的关于交易的第一请求，并且提取关于交易的信息。 基于信息和第一组规则，至少针对第一请求确定一个动作。

公开(公告)号：WO2015077247A1

公开(公告)日：2015-05-28

申请号：PCT/US2014/066215

申请日：2014-11-18

申请人： VISA INTERNATIONAL SERVICE ASSOCIATION

发明人： POWELL, Glenn Leon ,  SHEETS, John F. ,  KARPENKO, Igor

IPC分类号： G06Q40/02 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G06Q20/40 ,  G06Q20/322 ,  G06Q20/3221 ,  G06Q20/3229 ,  G06Q20/3672 ,  G06Q20/3829 ,  H04L12/1457 ,  H04L12/1464 ,  H04M15/48 ,  H04M15/75 ,  H04M15/751 ,  H04M15/755 ,  H04M15/7556 ,  H04M15/8044 ,  H04M17/02 ,  H04W4/12 ,  H04W4/24 ,  H04W4/50 ,  H04W12/04 ,  H04W12/06

摘要： Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an account holder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.

摘要翻译： 本发明的实施例涉及用于允许发行者在移动设备上启动账户配置而不与账户持有者交互的系统，方法和装置。 发行者可以通过向具有安全元素的移动设备发送供应信息请求消息来发起该过程。 移动设备可以识别供应请求消息并且收集必需的供应信息而不需要用户输入。 配置信息可以包括与移动设备的安全元件相关联的信息。 然后，移动设备可以向供应系统发送供应请求消息。 供应请求消息可以包括必要的供应信息，以允许供应系统在移动设备的安全元件上配置金融帐户。

公开(公告)号：WO2015074408A1

公开(公告)日：2015-05-28

申请号：PCT/CN2014/079603

申请日：2014-06-10

申请人： TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

发明人： LI, Jianli

IPC分类号： G06Q20/16

CPC分类号： G06Q20/405 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/3221 ,  G06Q20/3226

摘要： A computer server receives a payment request including a payment order sent by a first client device.In response,the computer server allocates a first payment identifier to the payment order and returns a response including the first payment identifier to the first client device. The first client device broadcasts an audio signal associated with the response and the audio signal includes information of the first payment identifier. Subsequently,the computer server receives a collection request including a second payment identifier and payee information from a second client device. The collection request was generated by a second client device in response to a detection of the audio signal broadcasted by the first client device. If the second payment identifier corresponds to the first payment identifier,the computer server then processes the payment order using the payee information and sends a payment completion message to the first client device.

摘要翻译： 计算机服务器接收包括由第一客户端设备发送的支付订单的支付请求。作为响应，计算机服务器向支付订单分配第一支付标识符并将包括第一支付标识符的响应返回到第一客户端设备。 第一客户端设备广播与响应相关联的音频信号，音频信号包括第一支付标识符的信息。 随后，计算机服务器从第二客户端设备接收包括第二支付标识符和收款人信息的收集请求。 响应于对由第一客户端设备广播的音频信号的检测，由第二客户端设备生成收集请求。 如果第二支付标识符对应于第一支付标识符，则计算机服务器然后使用收款人信息来处理支付订单，并向第一客户端设备发送支付完成消息。

公开(公告)号：WO2015064817A1

公开(公告)日：2015-05-07

申请号：PCT/KR2013/010602

申请日：2013-11-21

申请人： 삼성에스디에스 주식회사

发明人： 장성호 ,  이인천

IPC分类号： G06Q20/20

CPC分类号： G06Q20/209 ,  G06Q20/3221

摘要： 전자영수증 관리 장치 및 방법이 개시된다. 본 발명의 일 실시예에 따른 전자영수증 관리 시스템은, 결재장치로부터 프린터 출력부로 송신되는 제어 이벤트를 탐지하고, 상기 결재장치로부터 상기 프린터 출력부로 전송되는 데이터를 수집하며, 상기 수집한 데이터를 미리 정의된 표준화된 형식으로 변환하는 데이터 수집장치; 및 상기 데이터 수집장치로부터 상기 표준화된 형식으로 변환된 데이터를 수신하고, 상기 수신된 데이터와 사용자 데이터 베이스를 비교하여 영수증 사용자를 매칭시키고, 상기 매칭된 사용자에게 전자 영수증을 발급하는 전자영수증 관리장치를 포함한다.

摘要翻译： 公开了一种用于管理电子收据的装置和方法。 根据本发明的实施例的电子收据管理系统包括：数据收集装置，其检测从结算装置发送到打印机输出单元的控制事件，将从结算装置发送的数据收集到打印机输出单元，并将 将数据收集到预定义的标准化类型中; 以及电子收据管理装置，其从数据收集装置接收转换成标准化类型的数据，通过将接收到的数据与用户数据库进行比较，将接收的数据与接收用户进行匹配，并向匹配的用户发行电子收据。

公开(公告)号：WO2014098342A1

公开(公告)日：2014-06-26

申请号：PCT/KR2013/007157

申请日：2013-08-08

申请人： 에스케이플래닛 주식회사

发明人： 강형문 ,  김세현 ,  고영덕 ,  송치현 ,  임동필 ,  이원준

IPC分类号： G06Q20/20 ,  G06Q20/32 ,  G06K7/10

CPC分类号： G06Q20/3221 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/3274

摘要： 본 발명은 오프라인 결제 방법, 이를 위한 시스템 및 장치에 관한 것으로, 더욱 상세하게는 서비스 장치로부터 제공되는 정보를 기초로 사용자 단말에서 바코드를 생성한 후, 생성된 바코드를 이용하여 오프라인에서 결제를 수행할 수 있는 오프라인 결제 시스템, 이를 위한 방법 및 장치에 관한 것이다. 이를 위한 본 발명의 일 실시 예에 따른 오프라인 결제 시스템은 서비스 어플리케이션을 통해 오프라인 결제 선택 입력이 확인되면, 설정된 결제 수단 정보와 함께 바코드 생성에 필요한 정보 요청을 서비스 장치로 전송하고, 서비스 장치로부터 바코드 생성에 필요한 정보가 수신되면, 정보를 기초로 바코드를 생성하여 서비스 어플리케이션을 통해 표시하는 사용자 단말 및 어느 하나의 사용자 단말로부터 설정된 결제 수단 정보와 함께 바코드 생성에 필요한 정보 요청이 수신되면, 결제 수단 정보에 대응하는 카드사 장치로 인증 번호를 요청하여 수신한 후, 인증 번호를 포함하는 바코드 생성에 필요한 정보를 사용자 단말로 전송하는 서비스 장치를 포함하여 구성될 수 있다.

摘要翻译： 本发明涉及离线支付方法及其系统和装置。 更具体地，本发明涉及一种离线支付系统，其根据由服务设备提供的信息在用户终端上生成条形码，并使用所生成的条形码进行离线支付，以及其方法和装置。 为此，根据本发明的一个实施例的离线支付系统包括：用户终端当确认经由服务应用进行离线支付选择的输入时，发送生成条形码和信息所需的信息的请求 在预先设定的支付手段中，当接收到从所述服务装置生成条形码所需的信息时，根据所述信息生成条形码，经由服务应用显示条形码; 以及服务装置，当接收到关于预设支付装置的信息和从用户终端之一生成条形码所需的信息的请求时，向相应于支付装置信息的信用卡服务提供商的装置请求认证号码 并且在接收到所述认证号码之后，向用户终端发送生成包括所述认证号码的条形码所需的信息。

公开(公告)号：WO2012174071A3

公开(公告)日：2014-05-08

申请号：PCT/US2012042188

申请日：2012-06-13

申请人： ADAPTIVE PAYMENTS INC ,  KAPUR SHASHI ,  PALMER GARY ,  BIANCO RALPH A ,  DOOLEY TERRY ,  MEANS ERIC

发明人： KAPUR SHASHI ,  PALMER GARY ,  BIANCO RALPH A ,  DOOLEY TERRY ,  MEANS ERIC

IPC分类号： G06Q20/32

CPC分类号： G06Q20/10 ,  G06Q20/3221 ,  G06Q20/4037 ,  G06Q20/425 ,  G06Q40/02

摘要： A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider.

摘要翻译： 使用多因素认证处理余额查询和电子资金转帐（EFT）的系统和方法。 该方法可以包括接收金融账户的标识符和与该金融账户相关联的联系信息，并通过联系人信息发起通信。 在通过通信接收认证时，该方法可以包括基于标识符和认证来处理金融账户的余额查询和/或EFT。 该方法可以包括基于余额查询来确定金融账户的余额和/或导致资金被电子转移。 该系统和方法还可以促进从移动设备到EFT提供商的平衡查询。

公开(公告)号：WO2014022555A2

公开(公告)日：2014-02-06

申请号：PCT/US2013053014

申请日：2013-07-31

申请人： MASTERCARD INTERNATIONAL INC

发明人： PHILLIPS SIMON ,  BRITTEN MARK ,  COLLINGE MEHDI

IPC分类号： G06K9/60 ,  G06K9/46

CPC分类号： G06Q20/3221 ,  G06Q30/0601 ,  G06Q40/02

摘要： A service card image repository and directory is described. A process includes receiving a request to store at least one service image and related data, determining that the service image has been approved, and then uploading the service image and related data. The method also includes assigning a unique identifier to the service image and related data, and storing the service image and related data in an image repository. Some embodiments include receiving a request to download a service image and related data, locating the requested service image, determining that the requested service image requires transcoding and/or scaling, and then transcoding and/or scaling the requested service image to form a modified service image. The modified service image is then transmitted to an entity.

摘要翻译： 描述服务卡图像存储库和目录。 处理包括接收存储至少一个服务图像和相关数据的请求，确定服务图像已被批准，然后上载服务图像和相关数据。 该方法还包括将唯一标识符分配给服务图像和相关数据，并将服务图像和相关数据存储在图像库中。 一些实施例包括接收下载服务图像和相关数据的请求，定位所请求的服务图像，确定所请求的服务图像需要代码转换和/或缩放，然后对所请求的服务图像进行代码转换和/或缩放以形成修改后的服务 图片。 然后将修改后的服务图像传送给实体。