MANAGING RECURRING PAYMENTS FROM MOBILE TERMINALS
    1.
    发明申请
    MANAGING RECURRING PAYMENTS FROM MOBILE TERMINALS 审中-公开
    管理从移动终端收回的付款

    公开(公告)号:WO2013156686A1

    公开(公告)日:2013-10-24

    申请号:PCT/FI2013/050432

    申请日:2013-04-18

    Inventor: SALONEN, Jukka

    Abstract: Equipments and methods are disclosed for facilitating service provisioning in a system that comprises a payment processor (9-200), a number of service providers (9-400, 9-401 - 9-40n) and a mediator (10-300) that mediates information exchange between the payment processor and service providers, and a mobile terminal (9-620) operated by a payment card holder (9-600). In some implementations, service provisioning can be facilitated in cases wherein the payment processor (9-200) must reside in a strictly regulated Payment Card Industry (PCI) compliant environment (9-100) and the service providers operate servers that are not PCI-compliant.

    Abstract translation: 公开了用于促进包括支付处理器(9-200),多个服务提供商(9-400,9-401-9-40n)以及调解员(10-300)的系统中的服务提供的设备和方法, 中介支付处理器和服务提供商之间的信息交换以及由支付卡持有者(9-600)操作的移动终端(9-620)。 在一些实现中,在支付处理器(9-200)必须驻留在严格限制的支付卡行业(PCI)兼容环境(9-100)的情况下,服务提供者可以进行服务提供,并且服务提供商操作不是PCI- 兼容。

    METHOD AND SYSTEM FOR DELIVERY OF GOODS
    2.
    发明申请
    METHOD AND SYSTEM FOR DELIVERY OF GOODS 审中-公开
    用于货物运输的方法和系统

    公开(公告)号:WO2010103181A1

    公开(公告)日:2010-09-16

    申请号:PCT/FI2010/050176

    申请日:2010-03-10

    Inventor: SALONEN, Jukka

    CPC classification number: B07C3/18 G06Q10/08 G06Q30/0601

    Abstract: The present publication discloses a method and system for delivering goods from main system (S 1 ) via subsystem (S 2 ) to an end address (D 1 -D n ) of the customer (3). According to the invention the end address (D 1 -D n ) of the customer (3) is enquired (4) from the customer via telecommunications network by a multiple choice enquiry (4), the end address (D 1 D n ) selected by the customer is received (5) and the goods are delivered to the selected end address (D 1 -D n ).

    Abstract translation: 本公开公开了一种用于从主系统(S1)经由子系统(S2)向客户(3)的结束地址(D1-Dn)传送货物的方法和系统。 根据本发明,通过多项选择询问(4),通过电信网络从客户询问(4)客户(3)的结束地址(4),接收到客户选择的结束地址(D1Dn) (5),货物交付到选定的结束地址(D1-Dn)。

    METHOD AND SYSTEM FOR COMBINING TEXT AND VOICE MESSAGES IN A COMMUNICATIONS DIALOGUE
    3.
    发明申请
    METHOD AND SYSTEM FOR COMBINING TEXT AND VOICE MESSAGES IN A COMMUNICATIONS DIALOGUE 审中-公开
    在通信对话中组合文本和语音信息的方法和系统

    公开(公告)号:WO2007125171A1

    公开(公告)日:2007-11-08

    申请号:PCT/FI2007/050229

    申请日:2007-04-26

    Inventor: SALONEN, Jukka

    CPC classification number: H04W4/12 H04L51/38 H04M3/42382

    Abstract: This publication discloses a method for delivering messages in a telecommunications network (1, 2, 6, 11, 12). In the method, the first text-form message (40) of the session N is delivered (43) to the user of the service, in such a way that the sender address (e.g., the A number) is converted to correspond to the session number N and the session stage J, in stages 2-n (41) of the session N, a text-form message (40) is received, from the user of the message service, at the sender address defined in the message in the previous stage, and the session proceeds according to the contents of the message (40), in such a way that the sender address (e.g., the A number) is converted to correspond to the session number N and the new session stage J, and the next text-form message of session N is sent to the user of the message service. According to the invention, in some stage of the session N, a voice message is received (42), from the user of the message service, at the sender address of the message defined in the message (40) in the previous stage, or at an address contained in the message, and the session proceeds according to the content of the message (40), and if necessary, the next text-form message of the session N is sent to the user of the message service, in such a way that the sender address (e.g., the A number) is converted to correspond to the session number N and the new session stage J.

    Abstract translation: 本公开公开了一种在电信网络(1,2,6,11,12)中传递消息的方法。 在该方法中,会话N的第一文本形式消息(40)被传送(43)给服务的用户,使得发送者地址(例如,A号码)被转换为对应于 会话编号N和会话阶段J,在会话N的阶段2-n(41)中,从消息服务的用户接收消息中定义的发送方地址的文本形式消息(40) 根据消息(40)的内容,按照发送方地址(例如,A号码)被转换为对应于会话号码N和新的会话段J的方式进行会话, 会话N的下一个文本形式的消息被发送给消息服务的用户。 根据本发明,在会话N的某个阶段,从消息服务的用户接收(42)在先前阶段的消息(40)中定义的消息的发送方地址的语音消息,或 在消息中包含的地址处,并且会话根据消息(40)的内容进行,并且如果需要,会话N的下一个文本形式消息被发送到消息服务的用户,在这样一个 发送方地址(例如,A号码)被转换为对应于会话号码N和新的会话段J的方式。

    MULTI-FACTOR AUTHENTICATION TECHNIQUES
    4.
    发明申请
    MULTI-FACTOR AUTHENTICATION TECHNIQUES 审中-公开
    多因素认证技术

    公开(公告)号:WO2014140426A1

    公开(公告)日:2014-09-18

    申请号:PCT/FI2014/050184

    申请日:2014-03-13

    Inventor: SALONEN, Jukka

    CPC classification number: H04L63/0861 H04L2463/082

    Abstract: An authentication technique with a teaching phase and authentication phase. In the teaching phase, authentication information is collected for a user in at least two categories, wherein one category relates to measurable physical characteristics of the user, another category relates to communication resources available to the user; and a third category relates to knowledge possessed by the user. In the authentication phase (7-10... 7-44), some of the collected authentication information is used to formulate challenge(s) (7-10... 7-24; 7-62) for presentation to the user. Response(s) to the formulated challenge(s) is/are received from the user and correctness of the received response is determined based at least partially on comparison (7-44, 7-66) with at least a portion of the collected authentication information. A correctness metric is calculated for the response(s). The user is authenticated if the correctness metric meets or exceeds a first threshold value.

    Abstract translation: 具有教学阶段和认证阶段的认证技术。 在教学阶段,针对至少两个类别的用户收集认证信息,其中一个类别涉及用户的可测量物理特性,另一个类别涉及用户可用的通信资源; 第三类涉及用户拥有的知识。 在认证阶段(7-10 ... 7-44)中,一些收集的认证信息用于制定质询(7-10 ... 7-24; 7-62)以呈现给用户 。 至少部分地基于比较(7-44,7-7-66)确定接收到的响应的正确性,并且至少部分收集的认证 信息。 为响应计算正确度量。 如果正确性度量符合或超过第一阈值,则认证用户。

    USING SUCCESSIVE LEVELS OF AUTHENTICATION IN ONLINE COMMERCE
    5.
    发明申请
    USING SUCCESSIVE LEVELS OF AUTHENTICATION IN ONLINE COMMERCE 审中-公开
    在线商务上使用认证级别

    公开(公告)号:WO2014125170A1

    公开(公告)日:2014-08-21

    申请号:PCT/FI2014/050109

    申请日:2014-02-13

    Inventor: SALONEN, Jukka

    Abstract: A method comprising performing following acts on a network server: receiving a communication from a client terminal operated by a client; performing a first authentication of the client terminal or client; in response to the first authentication, delivering a first service to the client; after delivering the first service, sending an offer for a second service to the client terminal; receiving an acceptance message for the second service from the client terminal; performing a second authentication of the client terminal and/or the client; in response to receiving the acceptance message for the second service from the client terminal and to the second authentication being successful, delivering a second service to the client; wherein the first authentication and the second authentication use different authentication techniques. Other aspects include a programmed data processing apparatus for carrying out the method and a tangible program carrier instructing the apparatus to perform the acts.

    Abstract translation: 一种方法,包括对网络服务器执行以下动作:从客户端操作的客户终端接收通信; 执行客户终端或客户端的第一认证; 响应于第一认证,向客户端发送第一服务; 在交付第一服务之后,向客户终端发送第二服务的报价; 从客户终端接收第二服务的接受消息; 对客户终端和/或客户端执行第二认证; 响应于从客户终端接收到第二服务的接受消息,并且第二认证成功,向客户端传送第二服务; 其中所述第一认证和所述第二认证使用不同的认证技术。 其他方面包括用于执行该方法的编程数据处理装置和指示该装置执行动作的有形程序载体。

    METHOD AND SYSTEM FOR THE MASS SENDING OF MESSAGES
    6.
    发明申请
    METHOD AND SYSTEM FOR THE MASS SENDING OF MESSAGES 审中-公开
    消息传递质量的方法和系统

    公开(公告)号:WO2007063179A1

    公开(公告)日:2007-06-07

    申请号:PCT/FI2006/050517

    申请日:2006-11-27

    Inventor: SALONEN, Jukka

    CPC classification number: H04M3/42382 H04W4/12 H04W4/14 H04W88/184 H04W92/02

    Abstract: The present publication discloses a method and system for sending messages in a telecommunications network (1, 2, 6, 11, 12), in which method digital messages (40) which contain information on the desired reply address (32) are mass sent (3), and messages, which are sent on the basis of the reply-address information (32) are received (10). According to the invention, the reply-address information of each mass-sent message (40) is converted (3) to correspond to a predefined dialogue, in which the stage of the dialogue defines unequivocally the reply-address information (32), so that the transmission and reception of the messages are implemented in different parts of the telecommunications system (1, 2, 6, 11, 12).

    Abstract translation: 本公开公开了一种用于在电信网络(1,2,6,11,12)中发送消息的方法和系统,其中包含有关期望的应答地址(32)的信息的数字消息(40)被质量发送( 3),并且接收基于回复地址信息(32)发送的消息(10)。 根据本发明,每个质量发送消息(40)的回复地址信息被转换(3)以对应于预定对话,其中对话阶段明确地定义回复地址信息(32),因此 消息的发送和接收在电信系统的不同部分(1,2,6,11,12)中实现。

    MANAGING RECURRING PAYMENTS FROM MOBILE TERMINALS
    7.
    发明申请
    MANAGING RECURRING PAYMENTS FROM MOBILE TERMINALS 审中-公开
    管理从移动终端收回的付款

    公开(公告)号:WO2013156685A1

    公开(公告)日:2013-10-24

    申请号:PCT/FI2013/050431

    申请日:2013-04-18

    Inventor: SALONEN, Jukka

    Abstract: Equipments and methods are disclosed for facilitating service provisioning in a system that comprises a payment processor (9-200), a number of service provid¬ ers (9-400, 9-401 - 9-40n) and a mediator (10-300) that mediates information exchange between the payment processor and service providers, and a mobile terminal (9-620) operated by a payment card holder (9-600). In some implemen¬ tations, service provisioning can be facilitated in cases wherein the payment pro¬ cessor (9-200) must reside in a strictly regulated Payment Card Industry (PCI) compliant environment (9-100) and the service providers operate servers that are not PCI-compliant.

    Abstract translation: 公开了用于促进在包括支付处理器(9-200),多个服务提供者(9-400,9-401-9-40n)和调解员(10-300))的系统中的服务提供的设备和方法 ),支付处理器和服务提供商之间的信息交换以及由支付卡持有者(9-600)操作的移动终端(9-620)。 在一些实施中,在支付处理器(9-200)必须驻留在严格规范的支付卡行业(PCI)兼容环境(9-100)的情况下,服务提供者可以促进服务提供,并且服务提供商操作服务器 不符合PCI标准。

    METHOD AND SYSTEM FOR SENDING MESSAGES
    8.
    发明申请
    METHOD AND SYSTEM FOR SENDING MESSAGES 审中-公开
    发送消息的方法和系统

    公开(公告)号:WO2010000949A1

    公开(公告)日:2010-01-07

    申请号:PCT/FI2009/050611

    申请日:2009-07-03

    Inventor: SALONEN, Jukka

    Abstract: The present publication discloses a method and system for sending messages in a telecommunications network (1, 2, 6,11, 12). In the method, a first text-form message (54) is sent to a user (50, 51) of the service, a reply (55) to the first text-form message is received from the user (50, 51) of the service to an address defined in the previous message, if the reply is of the correct form and content, the desired service (56, 58, 61) is sent to the user of the service. According to the invention, the user (50, 51) of the messaging service is offered a second service by a message (62), the information (such as the sending number is text-message traffic) defining the reply address of which differs from that of the first message (54), and the second offer message (62) is sent with a sending delay, which depends on the content or type of the first service.

    Abstract translation: 本公开公开了一种用于在电信网络(1,2,6,11,12)中发送消息的方法和系统。 在该方法中,向服务的用户(50,51)发送第一文本形式消息(54),从用户(50,51)接收到第一文本形式消息的答复(55), 对前一消息中定义的地址的服务,如果回复是正确的形式和内容,则将期望的服务(56,58,61)发送给服务的用户。 根据本发明,通过消息(62)向消息服务的用户(50,51)提供第二服务,定义其回复地址的信息(例如发送号码是文本消息业务)不同于 发送第一消息(54)和第二报价消息(62)的发送延迟,该发送延迟取决于第一服务的内容或类型。

    METHOD AND SYSTEM FOR COMBINING TEXT AND VOICE MESSAGES IN A COMMUNICATIONS DIALOGUE
    9.
    发明申请
    METHOD AND SYSTEM FOR COMBINING TEXT AND VOICE MESSAGES IN A COMMUNICATIONS DIALOGUE 审中-公开
    在通信对话中组合文本和语音信息的方法和系统

    公开(公告)号:WO2007125172A1

    公开(公告)日:2007-11-08

    申请号:PCT/FI2007/050230

    申请日:2007-04-26

    Inventor: SALONEN, Jukka

    CPC classification number: H04W4/14 H04L51/38 H04W4/12

    Abstract: This publication discloses a method and system for delivering messages in a telecommunications network (1, 2, 6, 11, 12). In the method a voice-message call attempt is received (43), or a connection is formed to a potential user of a service, on the basis of a voice-message call attempt. According to the invention, as a response to the voice-message connection formed or to the call attempt, to the second part (41) of the connection is sent a text- form message, which initiates a long, logically continuous, temporally discontinuous session N, in such a way that the sender address (e.g., the A number) is converted to correspond to the session number N and the session stage J at the time, and in the message there is at least one selection query.

    Abstract translation: 本公开公开了一种在电信网络(1,2,6,11,12)中传递消息的方法和系统。 在该方法中,基于语音消息呼叫尝试,接收到语音消息呼叫尝试(43)或者与服务的潜在用户形成连接。 根据本发明,作为对形成的语音消息连接的响应或对呼叫尝试的响应,向连接的第二部分(41)发送文本消息,其启动长的,逻辑上连续的,时间上不连续的会话 N,使得发送者地址(例如,A号码)被转换为对应于当时的会话号码N和会话级J,并且在消息中存在至少一个选择查询。

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