公开(公告)号：WO2018128581A1

公开(公告)日：2018-07-12

申请号：PCT/SG2017/050007

申请日：2017-01-06

Applicant: AIMAZING PTE LTD

Inventor： KONG, Yi Kai ,  CHENG, Chia How

IPC: G06Q10/08 ,  G06K19/07

CPC classification number: G06Q30/0601 ,  G06Q20/3272

Abstract: Described herein is a transaction management method comprising receiving incoming sound signals transmitted in at least one of a plurality of frequencies from a client device, the plurality of frequencies being pre-defined, extracting transaction digest from the incoming sound signals of at least one of the plurality of frequencies and verifying existence of a merchant code in the transaction digest, the transaction digest further comprising a client code being incorporated into the transaction digest by the client device. The transaction management method further comprises updating a blockchain with the transaction digest in response to existence of the merchant code being verified. Wherein transaction between the merchant and the client is effected upon update of the blockchain with the transaction digest.

公开(公告)号：WO2018007925A1

公开(公告)日：2018-01-11

申请号：PCT/IB2017/053996

申请日：2017-07-02

Applicant: ASHWIN, Terrence Keith

Inventor： ASHWIN, Terrence Keith

IPC: G06F12/14 ,  G11B20/00 ,  G11B20/02 ,  G11B20/10 ,  G06Q20/40 ,  G10L19/018 ,  G11B23/28

CPC classification number: G10L19/018 ,  G06F21/32 ,  G06F2221/2141 ,  G06Q20/3272 ,  G06Q20/401 ,  H04N21/00 ,  H04R3/00 ,  H04R2499/11

Abstract: A method of generating an audio visual identification comprising the steps of extracting an audio sequence from a randomly generated noise generator, such as a white or pink noise generator, and saving the sequence as an audio tone; attaching the audio tone to a data file, which data file has a binary value; allocating a binary value to the combined audio tone and data file, whereafter the combined binary value enables the verification of the data file content at time of audio tone attachment. Where data file modification, alternately a different audio tone is attached to the data file – the binary value would not correspond to the binary value of the initial combined audio tone with data file. Data verification is thereby confirmed where binary values correspond.

Abstract translation: 生成视听识别的方法包括以下步骤：从随机生成的噪声生成器（例如白色或粉红噪声生成器）中提取音频序列，并将该序列保存为音频音调; 将音频音调附加到数据文件，该数据文件具有二进制值; 将二进制值分配给组合的音频音调和数据文件，此后，组合的二进制值能够在音频音调附接时验证数据文件内容。 在数据文件修改的地方，或者数据文件附加了不同的音频音调 - 二进制值不会与数据文件的初始组合音频音调的二进制值相对应。 数据验证在二进制值对应的地方得到确认。

公开(公告)号：WO2015154553A1

公开(公告)日：2015-10-15

申请号：PCT/CN2015/070395

申请日：2015-01-09

Applicant: 福建联迪商用设备有限公司

Inventor： 张炽成 ,  黄继翔

IPC: G06Q20/38

CPC classification number: G06Q20/3272

Abstract: 一种声波安全支付方法和系统，其中方法包括如下步骤：S1、付款端建立订单并从网络端数据库获取与订单的交易数据相应的交易信息，对交易信息使用密钥进行加密并进行RS编码生成数据帧，然后对所述数据帧进行单音多频算法调制生成音频帧并播放相应音频；S2、收款端获取所述音频后对其进行快速傅里叶变换FFT算法解调生成数据帧，对数据帧进行RS解码后用预存的密钥解密生成交易信息，然后使用所述交易信息从网络端数据库获取相应的交易数据并进行显示，之后发送与所述交易数据相应的确认交易指令至网络端数据库；S3、当接收到确认交易指令后，网络端数据库对相应的交易数据进行付款操作。

公开(公告)号：WO2014195320A1

公开(公告)日：2014-12-11

申请号：PCT/EP2014/061497

申请日：2014-06-03

Applicant: MASTERCARD INTERNATIONAL INCORPORATED ,  MASTERCARD IRELAND LIMITED

Inventor： SMETS, Patrik ,  CATELAND, Axel ,  ROBERTS, Dave

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/32

CPC classification number: G06Q20/38215 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/3272 ,  G06Q20/3274 ,  G06Q20/3276 ,  G06Q20/3278 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q2220/00

Abstract: A method of performing a transaction using a first computing device (1a) and a second computing device (1b) is described. A local data connection is established (31) between the first computing device and the second computing device. An amount to transfer is identified (32) at either the first computing device or the second computing device. A first account is identified (33) at the first computing device and a secound account at the second computing device. One or more credentials are provided (34) at the first computing device to authorise the transaction, and encrypted and authenticated transaction data is sent to a payer account provider for value transfer between the first account provider and a second account provider. Confirmation of the completed transaction is then provided (35) to the first computing device and the second computing device. Suitable computer program products and computing devices are provided. This method is particularly effective for providing local person to person value transfers in real time.

Abstract translation: 描述了使用第一计算设备（1a）和第二计算设备（1b）执行交易的方法。 在第一计算设备和第二计算设备之间建立（31）本地数据连接。 在第一计算设备或第二计算设备处识别（32）传送量。 在第一计算设备处识别第一帐户（33），并且在第二计算设备处识别第一帐户。 在第一计算设备处提供一个或多个凭证（34）以授权交易，并且加密和认证的交易数据被发送到付款人账户提供商，以在第一帐户提供商和第二帐户提供商之间进行价值转移。 然后，向第一计算设备和第二计算设备（35）提供完成的交易的确认。 提供合适的计算机程序产品和计算设备。 这种方法对于向当地人实时提供个人价值转移特别有效。

公开(公告)号：WO2014134180A2

公开(公告)日：2014-09-04

申请号：PCT/US2014/018715

申请日：2014-02-26

Applicant: DIGIMARC CORPORATION

Inventor： RODRIGUEZ, Tony, F. ,  DAVIS, Bruce, L. ,  FILLER, Tomas ,  MACINTOSH, Brian, T. ,  SHARMA, Ravi, K.

CPC classification number: G06Q20/3274 ,  G06Q20/3221 ,  G06Q20/3272 ,  G06Q20/3276 ,  G06Q20/351 ,  G06Q20/36 ,  G06Q30/06

Abstract: The disclosure relates to a smartphone-based virtual wallet, that manages payment options available to a user. One claim recites a portable device comprising: a touch screen display; a microphone for capturing ambient audio; memory for storing an image; and one or more processors. The one or more processors are configured for: generating copies of the stored image; obtaining a payload corresponding to financial information; providing the payload to an erasure code generator, in which the erasure code generator produces a plurality of outputs; embedding one of the plurality of outputs in a copy of the stored image and proceeding with embedding until each of the plurality of outputs is so embedded in a copy of the stored image, in which the embedding utilizes digital watermarking; causing the touch screen display to display embedded image copies so as to cause a static image display effect, the displayed embedded image copies being displayed by the portable device in response to a user input to enable a financial transaction. A great variety of other features, arrangements, combinations and claims are also detailed.

Abstract translation: 本公开涉及一种基于智能手机的虚拟钱包，其管理用户可用的支付选项。 一个声明背诵便携式设备，包括：触摸屏显示器; 用于捕获环境音频的麦克风; 用于存储图像的存储器; 和一个或多个处理器。 一个或多个处理器被配置为：生成存储的图像的副本; 获得与财务信息对应的有效载荷; 向所述擦除代码生成器提供所述有效负载，其中所述擦除代码生成器产生多个输出; 将所述多个输出中的一个输入到所存储的图像的副本中，并且进行嵌入，直到所述多个输出中的每一个如此嵌入所述存储图像的副本中，所述嵌入利用数字水印; 导致触摸屏显示器显示嵌入的图像副本以引起静态图像显示效果，所显示的嵌入图像副本由便携式设备响应于用户输入显示以实现金融交易。 还详细介绍了各种其他功能，安排，组合和声明。

公开(公告)号：WO2013169935A1

公开(公告)日：2013-11-14

申请号：PCT/US2013/040186

申请日：2013-05-08

Applicant: ZULU HOLDINGS, INC. ,  ZHAO, Gouchun

Inventor： ZHAO, Gouchun

IPC: G11B20/10

CPC classification number: H04B11/00 ,  G06Q20/3272

Abstract: An apparatus for transmitting audio tokens includes an acoustic transmitter to generate a range of audio frequencies including an infrasonic range, a sonic range, and an ultrasonic range. An audio token generator assembles the audio tokens, which include a timestamp and an identifier, and modulates the audio token in to the range of audio frequencies. A synchronizer determines the timestamp relative to an input audio stream and a mixer mixes the audio stream and the audio token for presentation by the acoustic transmitter. An apparatus for receiving the audio tokens includes an acoustic receiver to receive the range of audio frequencies. An audio token extractor extracts the audio token including the timestamp and the identifier from the range of audio frequencies. An interpreter determines user information responsive to at least one of the timestamp and the identifier and a user interface element present the user information to a user.

Abstract translation: 用于发送音频令牌的装置包括声发射器，用于产生包括低音范围，声音范围和超声波范围的音频范围。 音频令牌生成器组装音频令牌，其包括时间戳和标识符，并且将音频令牌调制到音频的范围。 同步器确定相对于输入音频流的时间戳，并且混合器混合音频流和音频令牌以供声发射机呈现。 用于接收音频令牌的装置包括用于接收音频频率范围的声接收器。 音频令牌提取器从音频范围中提取包括时间戳和标识符的音频令牌。 解释器响应于时间戳和标识符中的至少一个来确定用户信息，并且用户界面元素向用户呈现用户信息。

公开(公告)号：WO2013106159A1

公开(公告)日：2013-07-18

申请号：PCT/US2012/069420

申请日：2012-12-13

Applicant: QUALCOMM INCORPORATED

Inventor： AZEN, Jon ,  MENENDEZ, Jose ,  KRAAR, Eric ,  ROSE, Greg

IPC: G06Q20/32

CPC classification number: G06Q20/3272 ,  G06Q20/206 ,  G06Q20/3825

Abstract: Disclosed is a system and method that provides a merchant associated with a point of sale (POS) system and a consumer associated with a portable computing device (PCD) to complete a purchase transaction without transmitting or presenting confidential payment credentials. In an exemplary embodiment, sound is used to transmit data between the POS and the PCD. A payment request is rendered on the PCD. The consumer reviews and authorizes via a unique cryptographic signature. The merchant approves via addition of its unique cryptographic signature. A remote service in communication with the POS verifies the signatures via previously registered public keys. The transaction is then settled to a consumer account. Confirmation is returned to the POS and PCD. Advantageously, the transaction is commenced and completed without the PCD being online. Further, the consumer payment credentials are not stored on the PCD or transmitted from the PCD to the merchant POS system.

Abstract translation: 公开了一种系统和方法，其提供与销售点（POS）系统相关联的商家和与便携式计算设备（PCD）相关联的消费者来完成购买交易而不发送或呈现保密支付凭证。 在示例性实施例中，声音用于在POS和PCD之间传送数据。 付款请求在PCD上呈现。 消费者通过独特的加密签名来审查和授权。 商家通过添加其独特的加密签名来批准。 与POS通信的远程服务通过先前注册的公钥验证签名。 然后将交易结算到消费者帐户。 确认返回POS和PCD。 有利的是，交易在PCD处于在线状态的情况下开始并完成。 此外，消费者支付凭证不存储在PCD上或从PCD发送到商家POS系统。

公开(公告)号：WO2013038416A1

公开(公告)日：2013-03-21

申请号：PCT/IN2011/000631

申请日：2011-09-14

Applicant: INFOSYS LIMITED ,  KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

Inventor： KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

IPC: G06Q20/20 ,  G06Q20/32 ,  H04B7/26 ,  H04B11/00

CPC classification number: G06Q20/20 ,  G06Q20/18 ,  G06Q20/3272 ,  H04B11/00

Abstract: The present invention provides a method and system for transmitting a transaction identifier from a handheld communication device to an Electronic Data Capture (EDC) Device. The transaction identifier is encoded into audio frequency tones and emitted by a handheld communication device. The audio frequency tones are received by an Electronic Data Capture (EDC) device present at a merchant location. Further, the audio frequency tones are decoded at the EDC device and the transaction identifier is retrieved for further processing of the proximity payment transaction.

Abstract translation: 本发明提供一种用于将交易标识符从手持通信设备发送到电子数据捕获（EDC）设备的方法和系统。 交易标识符被编码成音频音调并由手持通信设备发出。 音频音调由存在于商家位置的电子数据采集（EDC）装置接收。 此外，在EDC设备处解码音频音调，并检索交易标识符用于进一步处理接近支付交易。

公开(公告)号：WO2010097711A3

公开(公告)日：2011-01-20

申请号：PCT/IB2010001367

申请日：2010-02-10

Applicant: HOMEATM ,  TANG TAI KWAN JIMMY ,  LO CHI WAH ,  MAGES KENNETH G

Inventor： TANG TAI KWAN JIMMY ,  LO CHI WAH ,  MAGES KENNETH G

IPC: G06Q20/00

CPC classification number: G06Q20/341 ,  G06K7/0004 ,  G06K7/01 ,  G06K7/082 ,  G06Q20/085 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/3272 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/409 ,  G06Q20/425 ,  G06Q2220/00 ,  H04L63/0428

Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly The apparatus comprises an input device for capturing information from the transaction card a controller for converting the captured card information into an audio signal The controller is linked to the communication device The apparatus may also be part of an assembly wherein this controller is part of the communication device The remote processor assembly includes a transaction server linked to a remote processor/Issuer for validating the transaction card data.

Abstract translation: 一种用于通过与远程处理器组件进行音频通信的通信设备使用交易卡的商业交易的装置。该装置包括用于从交易卡捕获信息的输入装置，用于将捕获的卡信息转换成音频信号的控制器。控制器被链接 通信设备该设备还可以是组件的一部分，其中该控制器是通信设备的一部分。远程处理器组件包括链接到远程处理器/发卡机构的用于验证交易卡数据的交易服务器。

公开(公告)号：WO2008013657A9

公开(公告)日：2008-05-29

申请号：PCT/US2007015306

申请日：2007-06-27

Applicant: PLANET PAYMENT INC ,  BECK PHILIP D

Inventor： BECK PHILIP D

IPC: G10L15/00 ,  G10L15/28

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/381 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00 ,  H04M3/4938

Abstract: A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such electronic business and commerce. The speech application includes a speech driven telephone interface for consumer shopping and order placement of commodity items; a consumer registration interface and secure process that ties in a credit card, debit card, or bank account; and a build-your-own-voice-store web application which includes a voice user interface with interactive voice response tailoring each voice store within the speech framework of the present invention and an inventory database. Multi-currency services, permitting pricing or payment in any chosen currency, as well as multiple spoken language processing of voice inputs are supported for performing voice commerce over telephones.

Abstract translation: 语音应用程序实现了基于电话的商务系统和方法，它补充了核心支付处理业务，并影响银行和其他重要合作伙伴进行此类电子商务和商务。 语音应用程序包括一个语音驱动的电话界面，用于消费者购物和商品物品的订购; 消费者注册界面以及绑定信用卡，借记卡或银行账户的安全流程; 以及建立自己的语音存储网络应用程序，其包括具有在本发明的语音框架内定制每个语音存储的交互式语音响应的语音用户界面和库存数据库。 通过电话进行语音交易，支持多币种服务，允许任何选定货币的定价或支付，以及多种语音输入的口语处理。