公开(公告)号：WO2018231671A2

公开(公告)日：2018-12-20

申请号：PCT/US2018/036821

申请日：2018-06-11

Applicant: NEC LABORATORIES AMERICA, INC. ,  NEC CORPORATION

Inventor： YAN, Tan ,  CHEN, Haifeng ,  YASUHIRO, Ajiro

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/4016 ,  G06Q20/1085 ,  G06Q20/3224 ,  G06Q20/405 ,  G06Q40/02 ,  H04L67/22 ,  H04W4/029

Abstract: A system, method, and computer program product are provided for suspicious remittance detection for a set of users. The method includes detecting (410), by a processor, unrealistic user location movements, based on login activities and remittance activities. The method includes detecting (420), by the processor, abnormal user remittance behavior based on account activities and the remittance activities by detecting any users who are silent for a threshold period of time and thereafter remit an amount of money greater than a threshold money amount. The method includes detecting (430), by the processor, abnormal overall user behavior, based a joint user profile determined across all users from the login activities, the remittance activities, and the account activities. The method includes aggregating (440), by the processor, detection results to generate a final list of suspicious transactions. The method includes performing (450), by the processor, loss preventative actions for each of the suspicious transactions in the final list.

公开(公告)号：WO2018205944A1

公开(公告)日：2018-11-15

申请号：PCT/CN2018/086112

申请日：2018-05-09

Applicant: 中国银联股份有限公司

Inventor： 童耀刚 ,  郑建宾 ,  周钰

IPC: G06Q20/32

CPC classification number: G06Q20/3224 ,  G06Q20/356 ,  G06Q20/382 ,  G06Q20/4014 ,  H04L67/18

Abstract: 本发明涉及一种受理终端位置计算系统及其方法。该系统具备：受理终端，用于将受理终端信息和支付卡信息发送到受理终端布放机构；受理终端布放机构，转发受理终端信息和支付卡信息到的位置计算模块；发卡行，用于根据支付卡信息提供手机号码；设备指纹库，用于根据移动终端的手机号码实时获取该移动终端的位置信息；位置计算模块，根据移动终端的位置信息计算该受理终端的有效位置信息；以及受理终端位置库，用于存储从受理终端的有效位置信息。根据本发明，能够利用大数据技术对受理终端的位置进行计算，结果准确、可靠，利用本发明能够加强银行卡的安全性。

公开(公告)号：WO2018106378A1

公开(公告)日：2018-06-14

申请号：PCT/US2017/060288

申请日：2017-11-07

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： NOE, James ,  TIERNEY, John

IPC: G06Q20/00

CPC classification number: G06Q20/3224 ,  G06Q20/20 ,  G06Q20/202 ,  G06Q20/3274 ,  G06Q20/3278 ,  G06Q20/351 ,  G06Q20/3563 ,  G06Q20/36 ,  G06Q20/409 ,  H04W4/80 ,  H04W84/12

Abstract: The present disclosure relates to increasing the speed of electronic transactions using digital wallets. Aspects relate to a mobile user device, a computer readable medium and a method performed by a mobile user device comprising a wireless transmitter, a wireless receiver, a user interface, a memory storing a digital wallet application and a processor communicatively coupled to the wireless transmitter, wireless receiver, user interface and memory, the method comprising the processor: determining a location of the mobile user device according to location data received by the wireless receiver; determining that use of the digital wallet application is required according to input received by the user interface or the wireless receiver; responsive thereto, automatically selecting one of a plurality of digitised cards associated with the digital wallet application in dependence on the determined location; and subsequently providing the digitised card credentials to the wireless transmitter.

公开(公告)号：WO2018101625A1

公开(公告)日：2018-06-07

申请号：PCT/KR2017/012465

申请日：2017-11-06

Applicant: SAMSUNG ELECTRONICS CO., LTD.

Inventor： YANG, Jong-Eun ,  MOON, Jinho

IPC: G06Q30/02 ,  G01C21/36 ,  G06F17/30 ,  G06Q20/32 ,  G06F3/0488 ,  H04W4/00

CPC classification number: H04W4/021 ,  G06Q20/3224 ,  G06Q20/325 ,  H04W4/024 ,  H04W4/80

Abstract: An electronic device is provided. The electronic device includes a housing, a touch screen display, an antenna, a wireless communication circuit, a sensor, a processor, and a memory electrically, wherein, based on instructions stored in the memory, the processor is configured to collect data indicating a location of the electronic device using one of the wireless communication circuit and the sensor, temporarily store the data in the memory, while directly establishing a wireless connection with an external electronic device, transmit payment-related information to the external electronic device using the wireless communication circuit, receive or acquire information of a POI which is associated with the payment-related information and is located within a predetermined range from a payment generation location through the wireless communication circuit, and transmit, to an external server through the wireless communication circuit, a portion of the stored data and the POI information either before or after transmitting the payment-related information.

公开(公告)号：WO2018098509A2

公开(公告)日：2018-05-31

申请号：PCT/ZA2017/050085

申请日：2017-11-22

Applicant: PAMA, Thandisizwe Ezwenilethu

Inventor： PAMA, Thandisizwe Ezwenilethu

CPC classification number: G06Q20/3224

Abstract: This invention provides a geospatial location system and process for a transaction that is undertaken by means of a participating transaction initiating device, typically a credit card, associated with a participating mobile device, typically a mobile phone, on a participating transaction device, typically a POS terminal. The System 10 uses Mobile Network Operator (MNO) Location Register data, that is routinely collected by the MNO, combined with transaction terminal location data to determine whether the location of the transaction customer's mobile device (cell phone) is in the proximity of the transaction location, as determined by the location of the transaction terminal. The transaction is authorised if the mobile device location is within a predetermined proximity of the transaction terminal and it is declined if the mobile device location is found to be outside the predetermined proximity range.

公开(公告)号：WO2018045309A1

公开(公告)日：2018-03-08

申请号：PCT/US2017/049896

申请日：2017-09-01

Applicant: NELSON, Anthony

Inventor： NELSON, Anthony

IPC: G07B15/06

CPC classification number: G07B15/00 ,  G06F16/29 ,  G06F16/5854 ,  G06F16/903 ,  G06Q20/10 ,  G06Q20/3224 ,  G06Q20/3278 ,  G06Q2240/00 ,  G07B15/063 ,  H04W4/029

Abstract: Applications, devices and systems for toll collection are disclosed herein. An example system includes a mobile computing device that generates location based information of the mobile computing device, queries a database of toll booths defined by toll booth location, determines that the location based information of the mobile computing device matches at least one of the toll booth locations, and transmits to a gateway server location based information and identifying information that identifies a vehicle. The toll is processed using the received information.

Abstract translation: 这里公开了用于收费收费的应用，设备和系统。 示例系统包括：移动计算设备，其生成移动计算设备的基于位置的信息;查询由收费站位置定义的收费站的数据库;确定移动计算设备的基于位置的信息与收费站中的至少一个相匹配 并且向网关服务器发送标识车辆的基于位置的信息和识别信息。 使用收到的信息处理收费。

公开(公告)号：WO2017180667A1

公开(公告)日：2017-10-19

申请号：PCT/US2017/027071

申请日：2017-04-11

Applicant: PEREA-OCHOA, Jesus

Inventor： PEREA-OCHOA, Jesus

IPC: G07F17/32 ,  A63F9/24 ,  G03B21/00 ,  G03B21/10 ,  G03B21/14 ,  G03B21/30

CPC classification number: G06Q20/3224 ,  G07F17/3218 ,  G07F17/3225

Abstract: A method of communicatively linking a plurality of electronic devices via users includes the steps of remotely linking the electronic devices in a closed communication network from a facility; verifying each user for the electronic device in an authorized manner in order to activate the electronic device by connecting a user smart phone of the user to the electronic device; restricting each user to remotely access the electronic device in limited locations within an area of the facility via a GPS unit built-in with the electronic device and within a range of the closed communication network; and connecting the electronic devices with each other through the closed networking system that allows the user to selectively communicate with each other and to selectively execute different applications preloaded in the electronic device through the closed communication network in a real time manner.

Abstract translation: 通过用户通信地链接多个电子设备的方法包括以下步骤：将封闭通信网络中的电子设备与设施远程链接; 以授权的方式验证电子设备的每个用户，以便通过将用户的用户智能电话连接到电子设备来激活电子设备; 限制每个用户经由内置有电子设备的GPS单元并且在封闭通信网络的范围内远程访问设施区域内的有限位置中的电子设备; 以及通过闭合联网系统将电子设备彼此连接，该闭合联网系统允许用户选择性地彼此通信并且通过闭合的通信网络以实时方式选择性地执行预先加载在电子设备中的不同应用。

公开(公告)号：WO2017147315A1

公开(公告)日：2017-08-31

申请号：PCT/US2017/019159

申请日：2017-02-23

Applicant: GOOGLE INC.

Inventor： CHANDRASEKARAN, Sashikanth ,  PALCZEWSKI, Michal ,  CHITILIAN, Varouj

IPC: H04L29/08 ,  H04W4/00 ,  H04W4/04

CPC classification number: H04W4/02 ,  G01S1/04 ,  G06Q20/02 ,  G06Q20/202 ,  G06Q20/24 ,  G06Q20/3224 ,  G06Q20/405 ,  H04L67/04 ,  H04L67/146 ,  H04L67/18 ,  H04L67/22 ,  H04W4/04 ,  H04W4/80

Abstract: A user enters a location with a user device. A beacon device broadcasts a first beacon device code comprising a hardware identifier via a local wireless network at the location. A service application of the user device receives the first beacon device hardware identifier, logs a check-in status of the user, and transmits the check-in status to a service provider system. The beacon device generates, after a predetermined period of time, a subsequent beacon device code comprising a random number to broadcast at the location via the local wireless network. In response to receiving the subsequent beacon device code broadcast by the beacon device, the user device logs and transmits a subsequent check in status to the service provider system via the network. The service provider system provides services to the user device or another device at the location in accordance with the check-in status of the user device.

Abstract translation:

用户使用用户设备输入位置。 信标设备在该位置经由本地无线网络广播包括硬件标识符的第一信标设备代码。 用户设备的服务应用程序接收第一信标设备硬件标识符，记录用户的登记状态，并将登入状态发送到服务提供商系统。 信标设备在预定时间段之后生成包括随机数的后续信标设备代码，以经由本地无线网络在该位置处广播。 响应于接收到由信标装置广播的随后的信标装置代码，用户装置记录并经由网络将后续登记状态发送到服务提供商系统。 服务提供商系统根据用户设备的登记状态向位置处的用户设备或另一设备提供服务。

公开(公告)号：WO2017136725A1

公开(公告)日：2017-08-10

申请号：PCT/US2017/016505

申请日：2017-02-03

Applicant: WENASONT DYNAMICS LLC

IPC: G07C9/00 ,  B60R25/25 ,  G06Q20/30

CPC classification number: G07C9/00563 ,  B60R25/25 ,  B60R25/252 ,  G06Q20/3224 ,  G06Q20/327 ,  G06Q20/40145 ,  G07C9/00309 ,  G07C2009/00793 ,  G07C2209/63

Abstract: A system includes a processor to transmit a first communication, receive a second communication in response to the first communication, determine an approach vector based on the first communication and the second communication, compare the approach vector with a known approach vector and transmit a request for authentication based on the comparison, receive a response to the request for authentication, and grant access to an asset based on the approach vector and the response to the request for authentication.

Abstract translation: 系统包括处理器以发送第一通信，响应于第一通信接收第二通信，基于第一通信和第二通信确定进路向量，将进近向量与 并根据比较结果发送认证请求，接收对认证请求的响应，并根据接近向量和对认证请求的响应授予对资产的访问权限。

公开(公告)号：WO2017136291A1

公开(公告)日：2017-08-10

申请号：PCT/US2017/015675

申请日：2017-01-30

Applicant: CLIPCART CORP.

Inventor： MASON-GUGENHEIM, Nancy ,  RAMIREZ-GUGENHEIM, Jessica

IPC: G06Q30/00 ,  G06Q30/02

CPC classification number: G06Q30/0238 ,  G06Q20/102 ,  G06Q20/202 ,  G06Q20/3224 ,  G06Q20/3276 ,  G06Q20/36 ,  G06Q20/387 ,  G06Q30/0239 ,  G06Q30/04 ,  H04W4/02

Abstract: Embodiments disclosed herein may be directed to the intelligent distribution, redemption, and tracking of coupons. Modernized couponing processes described herein may provide meaningful synergy between three different parties, namely the shopper, the retailer, and the product supplier. For example, while shopping at a retailer, a shopper may use their device to scan a barcode of a product that they wish to purchase. Based on the scanned barcode, relevant coupon offers associated are identified and presented to the shopper on the user device. The shopper may then select one or more coupon offers to be redeemed at the point of sale.

Abstract translation: 这里公开的实施例可以针对优惠券的智能分发，兑换和跟踪。 本文描述的现代化优惠券处理可以在三个不同方面即购物者，零售商和产品供应商之间提供有意义的协同作用。 例如，当在零售商处购物时，购物者可以使用他们的设备来扫描他们希望购买的产品的条形码。 基于扫描的条形码，相关联的相关优惠券提供被识别并且呈现给用户设备上的购物者。 购物者然后可以选择一个或多个要在销售点兑换的优惠券优惠。