公开(公告)号：WO2015135388A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070484

申请日：2015-01-09

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: G06Q20/12 ,  G06Q20/22 ,  G06Q30/00

CPC classification number: G06Q20/351 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/24 ,  G06Q20/3223 ,  G06Q20/354 ,  G06Q40/02 ,  H04L51/046 ,  H04L51/36

Abstract: Device, system and method for creating virtual credit are provided. The method includes acquiring user real-name information from a user interface by a terminal device, wherein an electronic exchange account associating with the acquired user real-name information is not saved in a first server； sending the user real-name information to a second server； detecting if a credit card account associating with the user real-name information is saved in the second server, and creating a virtual credit card account if the credit card account is saved in the second server； and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server.

Abstract translation: 提供了创建虚拟信用的设备，系统和方法。 该方法包括：通过终端装置从用户接口获取用户实名信息，其中与所获取的用户实名信息相关联的电子交换账户不被保存在第一服务器中; 将用户实名信息发送到第二服务器; 检测与用户实名信息相关联的信用卡账户是否被保存在第二服务器中，如果信用卡账户被保存在第二服务器中，则创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。

公开(公告)号：WO2015101036A1

公开(公告)日：2015-07-09

申请号：PCT/CN2014/083533

申请日：2014-08-01

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： ZHANG, Wenpeng ,  GONG, Chen ,  ZHANG, Wenjing ,  YANG, Yiyong ,  JIANG, Jiawei ,  LIU, Guoguo ,  GUO, Yaqin

IPC: H04L29/06

CPC classification number: H04L29/06 ,  G06Q20/12 ,  G06Q20/32 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q30/06

Abstract: A server with processor (s) and memory receives a transaction request from a first device to perform a transaction with an account and determines a security level for the transaction. When the security level satisfies predetermined criterion, the server: instructs the first device to suspend the transaction and to display a first interface indicating the suspended transaction; and sends a confirmation request, to a second device associated with the account, for voice verification of the transaction. The server receives voice verification information from the second device that includes audio data provided by a user of the second device and determines whether the voice verification information matches stored account verification data corresponding to the account. When there is a match, the server: processes the transaction; and instructs the first device to complete the transaction and to replace display of the first interface with a second interface indicating the completed transaction.

Abstract translation: 具有处理器和存储器的服务器从第一设备接收事务请求以与帐户执行事务并确定事务的安全级别。 当安全级别满足预定标准时，服务器：指示第一设备暂停该事务并显示指示暂停的事务的第一接口; 并向与帐户相关联的第二设备发送确认请求以进行交易的语音验证。 服务器从第二设备接收包括由第二设备的用户提供的音频数据的语音验证信息，并且确定语音验证信息是否与存储的对应于该帐户的帐号验证数据相匹配。 当有匹配时，服务器：处理事务; 并且指示第一设备完成事务并且用指示完成的事务的第二接口来替换第一接口的显示。

公开(公告)号：WO2015096503A1

公开(公告)日：2015-07-02

申请号：PCT/CN2014/085566

申请日：2014-08-29

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： ZHANG, Wenpeng ,  GONG, Chen ,  ZHANG, Wenjing ,  YANG, Yiyong ,  JIANG, Jiawei ,  LIU, Guoguo ,  GUO, Yaqin

IPC: H04W4/24

CPC classification number: H04W4/24 ,  G06Q20/00 ,  H04L63/0861 ,  H04L67/14 ,  H04L67/42 ,  H04M15/705 ,  H04M15/715 ,  H04M15/72 ,  H04M15/723 ,  H04M17/02 ,  H04M17/10 ,  H04M17/205 ,  H04M17/301 ,  H04M17/308

Abstract: A method for associating a payment account with a user account is disclosed. The method is performed at a terminal device having one or more processors and memory for storing programs to be executed by the one or more processors. The method includes receiving, through an account binding interface associated with the user account and from a user, a first voice input including first information of the payment account. The method also includes performing user authentication and information extraction based on the first voice input, wherein the user authentication is based on a voiceprint of the first voice input, and the information extraction is based on speech recognition of the first voice input. The method further includes providing an indication of the payment account being bound to the user account based on at least a success of the user authentication and the information extraction based on the first voice input.

Abstract translation: 公开了一种用于将支付帐户与用户帐户相关联的方法。 该方法在具有一个或多个处理器的终端设备和用于存储要由一个或多个处理器执行的程序的存储器中执行。 该方法包括通过与用户帐户相关联的帐户绑定界面和用户接收包括支付帐户的第一信息的第一语音输入。 该方法还包括基于第一语音输入执行用户认证和信息提取，其中用户认证基于第一语音输入的声纹，并且信息提取基于第一语音输入的语音识别。 该方法还包括基于用户认证的至少成功和基于第一语音输入的信息提取来提供绑定到用户账户的支付账户的指示。

公开(公告)号：WO2015135381A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070202

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06Q20/24 ,  H04L67/1097 ,  H04L67/306

Abstract: The present invention provides a method, device, and system for creating a virtual credit card, and the method includes: acquiring a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found in the first server, sending the real-name user information to a second server; finding whether the real-name information associates with a credit card account stored in the second server; after finding the credit card account is stored in the second server, creating, by the second server, a virtual credit card account; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server. The present invention can improve the efficiency of creating a credit account.

Abstract translation: 本发明提供了一种用于创建虚拟信用卡的方法，设备和系统，并且该方法包括：从终端设备的用户接口获取实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 在第一服务器中找到实名信息时，将实名用户信息发送到第二服务器; 确定实名信息是否与存储在第二服务器中的信用卡账户相关联; 在发现信用卡账户存储在第二服务器中之后，由第二服务器创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。 本发明可以提高创建信用账户的效率。

公开(公告)号：WO2015135380A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070168

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06F3/0481 ,  G06F17/30864 ,  G06Q20/102 ,  G06Q20/3552 ,  G06Q20/363 ,  G06Q20/40

Abstract: The present disclosuredirects tomethod, device, system for creating virtual creditcard. The method includes: receiving a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found, sending the real-name information to the second server; finding whether the real-name information associates with a credit card account; after finding the credit card account is not stored in the second server, determining whether an exchange resource account tying to the electronic exchange account is stored in the first server; if the exchange resource account is not stored, receiving account information of a resource saving account, and binding the electronic exchange account and the resource saving account; creating a virtual credit card account by the second server; andstoring the virtual credit card in the first server.

Abstract translation: 目前披露的方法，设备，创建虚拟信用卡系统。 该方法包括：从终端设备的用户界面接收实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 当找到实名信息时，将实名信息发送到第二服务器; 确定实名信息是否与信用卡账户相关联; 在找到不存储在第二服务器中的信用卡帐户之后，确定与电子交换账户绑定的交换资源账号是否存储在第一服务器中; 如果没有存储交换资源帐户，则接收资源节省账户的账户信息，并绑定电子交换账户和资源节省帐户; 由第二台服务器创建虚拟信用卡帐户; 并在第一台服务器中存储虚拟信用卡。

公开(公告)号：WO2015101171A1

公开(公告)日：2015-07-09

申请号：PCT/CN2014/093903

申请日：2014-12-16

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： ZHANG, Wenpeng ,  GONG, Chen ,  ZHANG, Wenjing ,  YANG, Yiyong ,  JIANG, Jiawei ,  LIU, Guoguo ,  GUO, Yaqin ,  SONG, Yinbo ,  ZHONG, Mingheng ,  LIAO, Shaobo ,  DU, Yawei ,  LI, Leilei ,  HUANG, Lin ,  LAN, Zhiyong ,  ZHOU, Fumin ,  LI, Huashan

IPC: H04M17/00 ,  H04W88/02 ,  G06Q20/16

CPC classification number: G06F21/45 ,  G06Q20/12 ,  G06Q40/02 ,  H04M15/68

Abstract: The present disclosure discloses a method, a device, and a system for updating authenticating information in the field of Internet technologies. The method comprises: receiving a service processing request containing user information and service object information; extracting according to the user information, first authentication information associated with the service object information from prestored authentication information; authenticating the first authentication information; displaying an information update interface when the first authentication information fails to be authenticated; obtaining second authentication information from the information update interface; replacing the first authentication information with the second authentication information; authenticating the second authentication information; and processing the service processing request if the second authentication information is authenticated.

Abstract translation: 本公开公开了一种用于更新因特网技术领域的认证信息的方法，设备和系统。 该方法包括：接收包含用户信息和服务对象信息的服务处理请求; 根据用户信息提取与来自预先存储的认证信息的服务对象信息相关联的第一认证信息; 认证第一认证信息; 当第一认证信息未被认证时，显示信息更新接口; 从信息更新接口获取第二认证信息; 用第二认证信息替换第一认证信息; 认证第二认证信息; 以及如果所述第二认证信息被认证，则处理所述服务处理请求。

公开(公告)号：WO2015135379A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070167

申请日：2015-01-06

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: H04L29/08

CPC classification number: G06Q20/351 ,  G06Q20/10 ,  G06Q20/3552 ,  G06Q20/363

Abstract: The present disclosure is directed to device, system and method for creating a virtual credit card. The method includes: receiving a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon real-name information is found, sending the real-name information to the second server; after finding the credit card account is not stored in the second server, sending a credit indicator to the first server; if the exchange resource account tying to the electronic exchange account is stored in the first server, creating, by the second server, a virtual credit card account; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server.

Abstract translation: 本公开涉及用于创建虚拟信用卡的设备，系统和方法。 该方法包括：从终端设备的用户界面接收实名信息的子集; 使用实名信息的子集搜索存储在第一服务器中的实名信息; 找到实名信息后，将实名信息发送给第二服务器; 发现信用卡帐号不存储在第二台服务器中后，向第一台服务器发送信用卡; 如果与电子交换账户相关的交换资源账户存储在第一服务器中，则由第二服务器创建虚拟信用卡账户; 以及将与虚拟信用卡帐户相关联的虚拟信用卡存储在第一服务器的数据存储器中。

公开(公告)号：WO2015135399A1

公开(公告)日：2015-09-17

申请号：PCT/CN2015/070928

申请日：2015-01-16

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： LIU, Guoguo ,  WU, Yi ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Jinming ,  TAN, Jinwen ,  GUO, Yixin ,  YE, Wa ,  HOU, Liang ,  XU, Zhenyu ,  ZHANG, Bin ,  CHEN, Wei ,  ZHENG, Haojian ,  JIANG, Yingyi ,  SONG, Lingyun ,  JIANG, Nan

IPC: G06Q20/24

CPC classification number: G06Q20/351 ,  G06Q20/02 ,  G06Q20/105 ,  G06Q20/24 ,  G06Q20/3221 ,  G06Q20/325 ,  G06Q20/409

Abstract: Device, system and method for creating virtual credit card are provided. The method includes: receiving real-name information from a user interface of a terminal device wherein an electronic exchange account associated with the real-name information is not stored in a first server; receiving the user real-name information by the second server, finding whether a credit card account associating with the user real-name information is stored, and when the credit card account is not stored, sending an indicator to the first server; receiving account information a resource saving account by the first server, creating an electronic exchange account by using the user real-name information and binding the electronic exchange account with the resource saving account; creating a virtual credit card account by using the real-name information; and storing the virtual credit card associated with the virtual credit card account in the data storage.

Abstract translation: 提供了创建虚拟信用卡的设备，系统和方法。 该方法包括：从终端设备的用户界面接收实名信息，其中与实名信息相关联的电子交换账户不被存储在第一服务器中; 通过第二服务器接收用户实名信息，确定是否存储与用户实名信息相关联的信用卡账户，当不存储该信用卡账户时，向第一服务器发送指示符; 通过第一服务器接收帐户信息资源节约帐户，通过使用用户实名信息创建电子交换账户，并将电子交换账户与资源节省账户绑定; 通过使用实名信息创建虚拟信用卡账户; 以及将与虚拟信用卡账户相关联的虚拟信用卡存储在数据存储器中。

公开(公告)号：WO2015101143A1

公开(公告)日：2015-07-09

申请号：PCT/CN2014/093407

申请日：2014-12-09

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： SONG, Yinbo ,  LU, Jiayou ,  ZHANG, Wenjing

IPC: G06F17/30

CPC classification number: G06F11/0769 ,  G06F9/54 ,  G06F11/0709

Abstract: The present invention provides a method for converting an error message into an error prompt. The method includes: receiving an error message, by an error analysis system, from a front-end system; obtaining, by the error analysis system, mapping logic for the error message from a management terminal; mapping, by the error analysis system, the error message according to the mapping logic to obtain a mapping relationship for the error message; converting, by the error analysis system, the error message into a corresponding error prompt based on the mapping relationship; and returning the corresponding error prompt to the front-end system.

Abstract translation: 本发明提供了一种将错误消息转换为错误提示的方法。 该方法包括：通过错误分析系统从前端系统接收错误消息; 通过误差分析系统获得来自管理终端的错误消息的映射逻辑; 通过误差分析系统映射根据映射逻辑的错误消息，以获得错误消息的映射关系; 根据映射关系，通过误差分析系统将错误消息转换成相应的错误提示; 并将相应的错误提示返回给前端系统。

公开(公告)号：WO2015096643A1

公开(公告)日：2015-07-02

申请号：PCT/CN2014/093993

申请日：2014-12-16

Applicant: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITED

Inventor： YANG, Yiyong ,  GONG, Chen ,  ZHANG, Wenjing ,  ZHANG, Wenpeng ,  JIANG, Jiawei ,  LIU, Guoguo ,  GUO, Yaqin ,  LI, Leilei ,  HUANG, Lin ,  ZHOU, Fumin ,  LI, Huashan ,  LAN, Zhiyong ,  WU, Jiangchao ,  ZHANG, Jinming

IPC: G06Q30/00

CPC classification number: G06Q20/227 ,  G06Q30/06

Abstract: The present disclosure discloses a method and an apparatus for displaying online transaction information. The method includes: displaying a first transaction information page on a terminal; sending first order information based on the first transaction information display page by a terminal to a server; sending first payment information by a server to the terminal in response to the first order information; and displaying a second transaction information display page including the first order information and the first payment information. The first order information is modifiable on the first and the second transaction information display page. The first payment information includes a plurality of payment platform identifiers from which a user can select to complete the online transaction.

Abstract translation: 本公开公开了一种用于显示在线交易信息的方法和装置。 该方法包括：在终端上显示第一交易信息页; 通过终端将第一交易信息显示页面的第一订单信息发送到服务器; 响应于所述第一订单信息，通过服务器向所述终端发送第一支付信息; 以及显示包括第一订单信息和第一支付信息的第二交易信息显示页面。 在第一和第二交易信息显示页面上可修改第一订单信息。 第一支付信息包括多个支付平台标识符，用户可以从其中选择完成在线交易。