公开(公告)号：WO2019134920A1

公开(公告)日：2019-07-11

申请号：PCT/EP2019/050048

申请日：2019-01-02

Applicant: LATERPAY AG

Inventor： ENE, Cosmin-Gabriel ,  LUFT, Achim ,  HANS, Martin ,  NEMEC, Tom

IPC: G06Q20/24 ,  G06Q20/32 ,  G06Q20/10

CPC classification number: G06Q20/24 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/3224

Abstract: Methods for access points and corresponding payment systems which facilitate access to a data network by a user device for payments of very small monetary amounts in an access now and pay latter arrangement. The method for such a payment system for at least one access point or access point server relies on an identifier associated with a mobile device for recording such identifier; receiving and confirming direct debit orders from the associated mobile device for access to a data network; and for storing the direct debit orders. Such payment system method monitors the total of the debit amounts in relation to the identifier and requests a user of the mobile device to register and settle at least a portion of the total amount after a predetermined time interval and/or on exceeding a predetermined total debit amount, in order to settle at least part of such total debit amount. In accordance with such requests, the access points may provide the user device with limited access to the data network for registering and settling with the payment system. Such limited access may comprise at least one of limited access to at least one network address of the payment system, limited duration of access, and limited transmission rate.

公开(公告)号：WO2019019490A1

公开(公告)日：2019-01-31

申请号：PCT/CN2017/111495

申请日：2017-11-17

Applicant: 成都励睿德企业管理有限公司

Inventor： 李莱德拉伊莫·马尔科姆·赫尔穆特

IPC: G06Q40/04

CPC classification number: G06Q20/102 ,  G06Q20/3678 ,  G06Q40/04

Abstract: 一种用于支付区块链网络中交易费用的方法和系统，其能够在提高区块链网络交易活跃度的同时保证其代币价格的稳定。该方法包括：交易发起者向区块链网络发送交易请求；所述区块链网络基于交易请求中的交易内容进行计算，并根据区块链网络的协议确定第一数量的第一数字代币作为交易费用；基于所述第一数量的第一数字代币，获取第二数量的所述区块链网络的代币；根据所述交易内容的执行情况，将第二数量的所述区块链网络的代币中的一部分或者全部分配给参与所述交易的所述区块链网络中的区块链节点。

公开(公告)号：WO2018231406A1

公开(公告)日：2018-12-20

申请号：PCT/US2018/032617

申请日：2018-05-15

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： MAHESHWARI, Nishant ,  ARORA, Ankur ,  MITTAL, Shreya ,  KUMAR, Manish

IPC: G06Q30/06 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q50/12

CPC classification number: G06Q20/29 ,  G06K7/1413 ,  G06Q20/102 ,  G06Q20/227 ,  G06Q20/322 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/367 ,  G06Q30/0633 ,  G06Q50/12

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for distributed payment of a transaction between a merchant and a group of customers. Each customer has an electronic device linked to a payment instrument of the customer, and the method is implemented on a first electronic device of a first customer in the group of customers. The method comprises steps of: receiving, from a server of the merchant, an electronic bill of the transaction, the electronic bill comprising details of a number of billable items; generating a first payment data token comprising details of the payment instrument of the first customer; broadcasting a communication signal for detecting other electronic devices of the group of customers proximate to the first electronic device; receiving, from the electronic devices of one or more other customers in the group of customers, other payment data tokens in response to detection of the electronic devices, the other payment data tokens comprising details of the payment instruments of the one or more other customers; distributing the billable items in the electronic bill among the first and other payment data tokens; generating a distributed electronic bill of the transaction comprising details of the payment instruments from the distributed payment data tokens and a cost payable by each payment instrument; and communicating the distributed electronic bill to the server for subsequent processing of payment from each payment instrument, such that the transaction is collectively payable by the payment instruments corresponding to the distributed payment data tokens.

公开(公告)号：WO2018214800A1

公开(公告)日：2018-11-29

申请号：PCT/CN2018/087273

申请日：2018-05-17

Applicant: 杭州呯嘭智能技术有限公司

Inventor： 陈宇 ,  熊伟 ,  陈鹏 ,  汪宁 ,  芦帅 ,  刘晓瑞

IPC: G06Q20/10 ,  G06Q20/12

CPC classification number: G06Q20/102 ,  G06Q20/12

Abstract: 基于智能内联电子账户的跨境分账方法、分账平台及支付平台，分账方法包括步骤：接收客户端的注册请求并分配智能内联电子账户反馈给客户端；将注册请求携带的信息项、智能内联电子账户等信息项进行关联形成映射关系；接收客户端的提现请求，并根据提现请求携带的信息项以及映射关系确定目标智能内联电子账户、目标商铺、目标银行账户、目标境外主账户和目标境内主账户；向目标境外主账户转入目标商铺的跨境交易额，并向目标智能内联电子账户录入与跨境交易额等价的虚拟交易款；根据目标智能内联电子账户中的虚拟交易款计算出实际分账金额，并通过目标境内主账户向目标银行账户转入实际分账金额，同时将目标智能内联电子账户清零。商户无需亲自赴海外银行境外分机柜台开户就能实现跨境交易额的提现。

公开(公告)号：WO2018140963A1

公开(公告)日：2018-08-02

申请号：PCT/US2018/016002

申请日：2018-01-30

Applicant: DAIS TECHNOLOGY, INC.

Inventor： KOLB, Jason ,  LARSON, Aaron

IPC: G06Q40/00

CPC classification number: G06Q20/102 ,  G06Q20/405 ,  G06Q30/08 ,  G06Q40/06 ,  G06Q40/08 ,  G06Q2220/00 ,  H04L9/0637 ,  H04L9/3239 ,  H04L67/104 ,  H04L2209/38

Abstract: An automated interconnection system for creating and utilizing smart policies on a blockchain is provided. An agent generates risk units that are associated with an asset and publishes the risk units to a blockchain. Insurance carriers create quotes covering the published risk units. An agreement is generated between a coverage seller and a policyholder as to a smart policy that covers the risk units. The coverage seller subdivides the risk units into secondary risk units and publishes the secondary risk units to the blockchain. An agreement is generated by the owner of the secondary risk units to a smart contract that covers the secondary risk units. Bids are generated by capital providers for coverage based on properties of the smart policy. Methods and computer readable media are also provided.

公开(公告)号：WO2018022452A1

公开(公告)日：2018-02-01

申请号：PCT/US2017/043283

申请日：2017-07-21

Applicant: BOT HOME AUTOMATION, INC.

Inventor： SIMINOFF, James

IPC: H04M1/64 ,  G08B13/189 ,  H04N7/18

CPC classification number: G06Q20/102 ,  G06Q30/0207 ,  G08B13/1966 ,  G08B13/19669 ,  G08B13/19695 ,  H04N5/2252 ,  H04N5/23203 ,  H04N5/77 ,  H04N7/186 ,  H04N9/802 ,  H04W4/80

Abstract: Some aspects of the present embodiments provide a method for transferring A/V recording and communication devices to other parties for installation at structures such as homes. The distributed and/or installed devices may be in a pre-activation mode with limited functionality. For example, a video doorbell device in pre-activation mode may have similar functionalities as a traditional doorbell, such as sounding a signaling device (e.g., a bell or buzzer), when a front button of the doorbell is pressed. The camera and/or the recording capabilities of the video doorbell, however, may be disabled in the pre-activation mode. The homeowner (or renter or other occupant) may subsequently desire to activate the A/V recording and communication device. During the activation process, the homeowner may be required to submit a payment for the A/V recording and communication device.

公开(公告)号：WO2017169764A1

公开(公告)日：2017-10-05

申请号：PCT/JP2017/010333

申请日：2017-03-15

Applicant: フェリカネットワークス株式会社

Inventor： 加藤　有美 ,  加藤　晋一

IPC: G06Q20/42

CPC classification number: G06Q20/3674 ,  G06Q20/102 ,  G06Q20/223 ,  G06Q20/327 ,  G06Q20/36 ,  G06Q20/383 ,  G06Q20/385 ,  G06Q50/182

Abstract: 本技術は、精算を無駄なく簡単に行うことができるようにする端末装置、通信方法、決済処理装置、決済方法、および決済システムに関する。 端末装置は、他の端末装置の決済IDを取得し、決済処理に関する決済条件を取得し、自装置の決済IDおよび他の端末装置の決済IDと、決済条件とを紐づけて決済処理装置へ送信する。決済処理装置は、複数の端末装置のうちのいずれか１の端末装置から送信されてくる、決済処理に関する決済条件と、決済条件に紐づけられた複数の端末装置の決済IDとを受信し、決済条件と、複数の端末装置の決済IDとに基づいて、決済処理を実行し、決済処理の処理結果を送信する。本技術は、決済システムに適用することができる。

Abstract translation:

此技术，终端设备，其能够无浪费变得更容易，在结算处理单元，结算方法和支付系统中执行结算的通信方法。 终端设备获取另一终端装置的结算ID，获得与支付处理的支付条件，和支付ID的结算ID和该装置的其他终端装置，在关联线和结算条件的支付处理装置 并传送它。 结算处理装置接收从所述多个终端装置的终端装置中的任何一个发送，并且结算条件有关的支付处理中，所述多个相关联的琴弦到结算条件的终端装置的结算ID， 根据多个终端装置的结算条件和结算ID执行结算处理，并发送结算处理的处理结果。 本技术可以应用于结算系统。

公开(公告)号：WO2017146858A1

公开(公告)日：2017-08-31

申请号：PCT/US2017/015060

申请日：2017-01-26

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： KOHLI, Manoneet

IPC: G06Q20/34 ,  G06Q20/10 ,  G06Q50/20 ,  G06Q20/40 ,  G06Q40/02

CPC classification number: G06Q50/20 ,  G06Q20/0655 ,  G06Q20/102 ,  G06Q20/145 ,  G06Q40/00

Abstract: Embodiments of the disclosure enable electronic funds to be managed for a program that includes a plurality of parties including a participant and a sponsor. One or more metrics corresponding to a participation of the participant in the program are received. If the received metrics satisfy one or more predetermined thresholds, a quantity of the electronic funds is determined for distribution to the plurality of parties. A first instruction to transfer a first portion of the determined quantity of the electronic funds to a first financial account associated with the participant is generated, and a second instruction to transfer a second portion of the determined quantity of the electronic funds to a second financial account associated with the sponsor is generated. Aspects of the disclosure provide for a computing system for managing electronic funds for a program.

Abstract translation: 本公开的实施例使得能够针对包括包括参与者和赞助者的多方的节目来管理电子资金。 接收与参与者参与节目相对应的一个或多个度量。 如果接收到的度量满足一个或多个预定阈值，则确定电子资金的数量以分配给多方。 生成将确定数量的电子资金的第一部分转移到与参与者相关联的第一金融账户的第一指令，以及将确定数量的电子资金的第二部分转移到第二金融账户 生成与赞助商相关的信息。 本公开的各方面提供了用于管理节目的电子资金的计算系统。

公开(公告)号：WO2017106227A1

公开(公告)日：2017-06-22

申请号：PCT/US2016/066447

申请日：2016-12-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： ROBERTS, David ,  HUANG, Donghao ,  LI, Jiaming ,  JOYSON, Bensam ,  TANG, Hao ,  CHIN, Yong, Wei

IPC: G06Q20/00

CPC classification number: G06Q20/227 ,  G06Q20/102 ,  G06Q20/3433 ,  G06Q20/349 ,  G06Q20/3552 ,  G06Q20/3572 ,  G06Q40/02

Abstract: A transaction system for performing transactions with multiple balances within a single transaction. The transaction system comprises a payment device programmed to record multiple balances and a terminal programmed to interact with the payment device in order to complete a transaction by debiting multiple balances of the payment device within a single transaction. A method of transacting with a transaction device, a payment device and a method of providing commodities to a payment device user are also provided.

Abstract translation:

用于在单个交易中执行多笔余额交易的交易系统。 交易系统包括被编程为记录多个余额的支付设备以及被编程为与支付设备交互以便通过在单个交易中借记支付设备的多个余额来完成交易的终端。 还提供了与交易装置，支付装置以及向支付装置用户提供商品的方法进行交易的方法。

公开(公告)号：WO2017074519A1

公开(公告)日：2017-05-04

申请号：PCT/US2016/038914

申请日：2016-06-23

Applicant: RUBICON GLOBAL HOLDINGS, LLC

Inventor： RODONI, Philip

IPC: G08B21/00

CPC classification number: G06Q30/08 ,  G06Q10/06313 ,  G06Q10/06315 ,  G06Q20/102 ,  G06Q50/10 ,  H04W4/02

Abstract: A management system is disclosed for use with a vehicle configured to receive waste from a receptacle, The management system may have at least one sensor mountable onboard the vehicle and configured to generate a receptacle-specific signal indicative of a condition of the receptacle. The management system may also have a controller in communication with the at least one sensor. The controller may be configured to receive information that is non-specific to the receptacle, to anticipate a service need of the receptacle based on the receptacle-specific signal and the information, and to selectively direct the vehicle to service the waste receptacle based on the service need.

Abstract translation: 公开了一种管理系统，用于配置成接收来自插座的废物的车辆。管理系统可以具有至少一个传感器，所述传感器可安装在车辆上，并被配置为生成指示插座特定信号 容器的状况。 管理系统还可以具有与至少一个传感器通信的控制器。 控制器可以被配置为接收对于容器非特定的信息，基于特定于容器的信号和信息来预测容器的服务需求，并且基于容器特定的信号和信息选择性地指示车辆维修废物容器 服务需求。