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    A DATA MANAGEMENT SYSTEM AND METHOD
    2.
    发明申请
    A DATA MANAGEMENT SYSTEM AND METHOD 审中-公开

    公开(公告)号：WO2018172970A1

    公开(公告)日：2018-09-27

    申请号：PCT/IB2018/051928

    申请日：2018-03-22

    Applicant: BARLOWORLD LIMITED

    Inventor： JANSE VAN RENSBURG, Carl ,  WHITAKER, Christopher W ,  DUROW, Hein ,  NAIDOO, Kavendrin ,  MOODLEY, Verosha

    IPC: G06Q30/02

    CPC classification number: G06Q30/02 ,  G06Q40/12

    Abstract: A data management system and method are provided. The method includes storing a plurality of questions and user identities in a database at a central server and transmitting data from the central server via a communications network to a plurality of distributed user computers. The data includes user selected questions in a word processing document. The user completes the questions off line and transmits back to the central server via the communications network, electronic answers to the selected questions. The server automatically allocates and collates the relevant answers for each question and stores the received answers against an existing or pre-determined structure or hierarchy in the database. Flexible combinations for reporting answers are also provided.

    DATA VERIFICATION AND AUTHENTICATION SYSTEM AND METHOD
    3.
    发明申请
    DATA VERIFICATION AND AUTHENTICATION SYSTEM AND METHOD 审中-公开

    公开(公告)号：WO2018130994A1

    公开(公告)日：2018-07-19

    申请号：PCT/IB2018/050225

    申请日：2018-01-14

    Applicant: HASHKLOUD PTY LTD

    Inventor： BHUIYAN, Tarique

    IPC: G06F21/64 ,  G06Q20/38

    CPC classification number: G06Q40/12 ,  G06F21/602 ,  G06F21/64 ,  G06Q20/401 ,  G06Q2220/00

    Abstract: A method and system for confirming and verifying the existence of a data object the veracity of which is being queried in relation to a subject uses a communications hub configured to communicate with a verifier holding data concerning a designated subject. A verification request is compiled, a predetermined function known to both the verifier and the hub is applied to the data object, generating a data object value specific to the data. This is recorded to a distributed electronic ledger system, for obtaining a receipt to provide a permanent record of the data object value and thus of the data. The verifier receives the request and receipt, as proof of the existence of the data object. The verifier applies the predetermined function to the data it holds to generate a comparison data object value. Correspondence between the values confirms veracity of the queried data object.

    IMPROVED CASH MANAGEMENT SERVICE PLATFORM
    4.
    发明申请
    IMPROVED CASH MANAGEMENT SERVICE PLATFORM 审中-公开

    公开(公告)号：WO2018115348A1

    公开(公告)日：2018-06-28

    申请号：PCT/EP2017/084214

    申请日：2017-12-21

    Applicant: PWC ENTERPRISE ADVISORY CVBA

    Inventor： VANDENHAUTE, Didier

    IPC: G06Q40/00 ,  G06Q40/06

    CPC classification number: G06Q40/12

    Abstract: The current invention relates to a computing system carrying out a method to generate an action proposal draft, said method comprising the steps of: (a) receiving requirement data from a corporate user by said server, said requirement data comprising a plurality of transaction banking capability requirements relating to cash management and treasury; (b) processing said requirement data by said server to generate an as-is/to-be analysis draft available to a moderator user, said processing based at least partly on said transaction banking historical data; (c) receiving a modification of said requirement data from said moderator user and/or said corporate user, yielding modified requirement data; (d) processing said modified requirement data by said server to generate request data comprising an RFP (Request For Proposal) and a recipient list, said processing based at least partly on said transaction banking historical data; (e) upon confirmation by at least said moderator user, sending said RFP to a plurality of bank users mentioned on said recipient list; (f) receiving response data by said server from one or more bank users belonging to said plurality of bank users, said response data comprising a plurality of transaction banking prices relating to said plurality of transaction banking capability requirements; (g) processing said response data by said server to generate an action proposal draft available to said moderator user, said action proposal draft comprising one or more of said plurality of transaction banking prices relating to said plurality of transaction banking capability requirements.

    METHOD AND MEANS FOR SOCIAL NETWORK PAYMENTS
    6.
    发明申请
    METHOD AND MEANS FOR SOCIAL NETWORK PAYMENTS 审中-公开
    社交网络支付的方法和手段

    公开(公告)号：WO2017103326A1

    公开(公告)日：2017-06-22

    申请号：PCT/FI2016/050820

    申请日：2016-11-22

    Applicant: VAANANEN, Mikko

    Inventor： VAANANEN, Mikko

    IPC: G06Q20/08 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q50/00

    CPC classification number: G06Q20/102 ,  G06Q20/381 ,  G06Q30/04 ,  G06Q40/04 ,  G06Q40/12 ,  G06Q50/01 ,  H04L67/306

    Abstract: The invention relates to the field of making online payments by integrating social networks and payment networks to a seamless network. In particular, the invention leverages the information in the social network to conduct financial transactions. The best mode of the invention is considered to be a social payment network app that incorporates all or most of the functions of credit cards, internet banking and money order companies by using the data and functions already available in the social network. The invention provides better counterparty recognition, reduces the chance of fraud, or fraud, and provides a cheaper payment platform to consumers (110, 410) or small businesses while also reducing the administrative burden in making and paying purchases or reporting payments and/or expenses to third parties, such as the employer or tax administration.

    Abstract translation:

    本发明涉及通过将社交网络和支付网络集成到无缝网络来进行在线支付的领域。 具体而言，本发明利用社交网络中的信息来进行金融交易。 本发明的最佳模式被认为是通过使用社交网络中已有的数据和功能来结合信用卡，网上银行和汇票公司的全部或大部分功能的社交支付网络应用。 本发明提供了更好的交易对方识别，减少了欺诈或欺诈的可能性，并为消费者（110,410）或小型企业提供了更便宜的支付平台，同时还减少了制作和支付购买或报告支付和/或费用 第三方，如雇主或税务管理。

    SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA
    7.
    发明申请
    SYSTEMS AND METHODS FOR UPDATING STORED CARDHOLDER ACCOUNT DATA 审中-公开
    用于更新存储的持卡人账户数据的系统和方法

    公开(公告)号：WO2017074990A1

    公开(公告)日：2017-05-04

    申请号：PCT/US2016/058757

    申请日：2016-10-26

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： ROSANO, Sharon, A.

    IPC: G06Q10/00 ,  G06Q20/00 ,  G06Q20/40

    CPC classification number: G06Q20/102 ,  G06Q10/00 ,  G06Q20/00 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q20/409 ,  G06Q40/12

    Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory, The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.

    Abstract translation: 提供了一种用于更新存储的持卡人账户数据的计算机实现的方法。 该方法使用与存储器通信的账户更新服务器来实现。该方法包括从发行方计算机系统接收与多个持卡人账户相关联的持卡人账户更新信息，识别与多个持卡人账户中的至少一个相关联的商户 持卡人账户至少部分地基于持卡人账户更新信息，为所识别的商户生成商户更新文件，其包括针对多个持卡人账户中的至少一个持卡人账户的持卡人账户更新信息，并且发送商户更新文件。

    SYSTEMS AND METHODS FOR LOCATING MERCHANT TERMINALS BASED ON TRANSACTION DATA
    9.
    发明申请
    SYSTEMS AND METHODS FOR LOCATING MERCHANT TERMINALS BASED ON TRANSACTION DATA 审中-公开
    基于交易数据定位商业终端的系统和方法

    公开(公告)号：WO2017053672A1

    公开(公告)日：2017-03-30

    申请号：PCT/US2016/053263

    申请日：2016-09-23

    Applicant: MASTERCARD INTERNATIONAL INCORPORATED

    Inventor： LACOSS-ARNOLD, Jason, Jay ,  HAULOTTE, Vincent, A.

    IPC: G06Q20/20 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/02

    CPC classification number: G06Q40/12 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q20/4016 ,  G06Q30/0205 ,  H04W64/00

    Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to he identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

    Abstract translation: 提供系统和方法用于基于与终端相关联的交易数据来定位一个或多个商家终端。 一种示例性方法通常包括：通过计算设备，将交易的交易数据存储到商家和商户在商户终端处的支付帐户，其中交易数据包括商家终端的终端ID，商家的商家ID ，与商户相关联的获取方的获取者ID，以及时间指示符。 此外，该方法包括：由计算设备接收与该事务相关联的位置数据，由计算设备将与位置数据相关联的位置识别为商家终端的位置，并由计算设备分配， 他识别的位置表示所识别的位置是商家终端的实际位置的置信度。

    一种信息处理、发票信息确定方法及装置
    10.
    发明申请
    一种信息处理、发票信息确定方法及装置 审中-公开

    公开(公告)号：WO2016192584A1

    公开(公告)日：2016-12-08

    申请号：PCT/CN2016/083592

    申请日：2016-05-27

    Applicant: 阿里巴巴集团控股有限公司

    Inventor： 潘寒冰 ,  安松涛 ,  李清刚

    IPC: G06Q30/04 ,  G06Q40/00

    CPC classification number: G06Q30/04 ,  G06F7/08 ,  G06F17/30707 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/12

    Abstract: 一种信息处理、发票信息确定方法及装置，用以在保证发票张数尽量少的前提下，使得每张发票上的产品种类也尽可能少，从而便于用户比对发票和产品，提高工作效率。发票信息确定方法，包括：确定至少一个产品的信息，其中，每一产品的信息中包括该产品的金额和名称(S101)；根据每一产品的金额的值，以及预设门限值，对所有所述产品的信息进行分组，得到第一组产品信息和第二组产品信息(S102)；针对所述第一组产品信息中的每一产品的信息：根据该产品的金额的值，以及所述预设门限值，生成至少一个发票信息(S103)；针对所述第二组产品信息：按照所述预设门限值，利用该第二组产品信息中多个产品的信息，生成至少一个发票信息(S104)。

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