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公开(公告)号:WO2021231638A1
公开(公告)日:2021-11-18
申请号:PCT/US2021/032077
申请日:2021-05-12
Applicant: INVE-SHARE, LLC
Inventor: BARBARA, Jonathan
IPC: G06Q30/02 , G06Q30/06 , G06Q10/083 , G06Q20/102 , G06Q30/0635
Abstract: Systems and methods for electronic payment and order processing for a drop shipment system. The system generates a link to associate a product with a supplier and the system. The system receives an order confirmation from a distributor for the linked product where the linked product is offered for sale on a website of the distributor. The system transmits a drop ship order fulfillment request to the supplier for the linked product and determines a revenue share payment associated with the linked product for each of the distributor and the supplier based on a revenue share payment agreement between the distributor and the supplier.
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公开(公告)号:WO2022237555A1
公开(公告)日:2022-11-17
申请号:PCT/CN2022/089807
申请日:2022-04-28
Applicant: 支付宝(杭州)信息技术有限公司 , 蚂蚁区块链科技(上海)有限公司
IPC: G06Q20/10 , G06Q20/102 , G06Q20/4016 , G06Q20/403
Abstract: 本说明书一个或多个实施例提供一种基于区块链系统的汇款方法及装置,包括:资产发行方在区块链系统中发行待分配余额资产和待分配负债资产,所述待分配余额资产和所述待分配负债资产的数额相等;所述资产发行方将不超过第一汇款机构的授信额度的待分配余额资产和待分配负债资产,分配至第一汇款机构对应的第一区块链账户中,以作为第一汇款机构对应的可用余额资产和可用负债资产,所述可用余额资产和所述可用负债资产的数额相等;第一汇款机构向所述区块链系统发送用于指示向第二汇款机构进行汇款的汇款交易,以使所述区块链系统将第一区块链账户中,与所述汇款交易中指示的数额相等的可用余额资产,转移至第二汇款机构对应的第二区块链账户中。
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公开(公告)号:WO2021231450A1
公开(公告)日:2021-11-18
申请号:PCT/US2021/031809
申请日:2021-05-11
Applicant: JPMORGAN CHASE BANK, N.A.
Inventor: FAULK, Catherine D. , TAYLOR, Matthew C. , MOY, Christine , KASSIS, George , LOBBAN, Tyrone
IPC: G06Q30/00 , G06Q30/04 , G06Q20/10 , G06Q10/0835 , G06Q20/047 , G06Q20/102 , G06Q20/3674 , G06Q20/3821 , G06Q20/389 , G06Q20/401 , G06Q20/42 , G06Q30/018
Abstract: A method for invoicing and payments in an integrated supplier network may include: (1) receiving, at a supplier interface for a payments computer program, an invoice from a supplier; (2) receiving, at a buyer interface for the payments computer program, a payment allocation for the invoice, wherein the payment allocation may be associated with a supplier attestation for the supplier; (3) transferring, by the payments computer program, funds for the payment allocation to a liquidity pool, wherein the funds are commingled with other funds in the liquidity pool; (4) receiving, at the supplier interface, the supplier attestation, and a request to withdraw at least a portion of the funds for the payment allocation; and (5) retrieving, by the payments computer program, the portion of the payment allocation to a supplier account with the integrated supplier network.
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公开(公告)号:WO2021197092A1
公开(公告)日:2021-10-07
申请号:PCT/CN2021/081720
申请日:2021-03-19
Applicant: 支付宝(杭州)信息技术有限公司
IPC: G06Q20/38 , G06F21/602 , G06F21/6245 , G06F21/64 , G06Q20/102 , G06Q20/3829
Abstract: 本说明书提供了一种区块链账户余额的存证、恢复方法和装置,包括:区块链用户客户端基于预设的发送周期向区块链的节点设备发送存证交易,以将所述存证交易包括的当时区块高度和当时恢复参数对应更新在所述区块链账户的状态数据库中;获取与所述存证交易最新构建时刻对应的最新当时恢复参数和最新当时区块高度;解密所述最新当时恢复参数的至少部分参数,并基于解密所得的最新当时恢复参数获得所述最新构建时刻的被加密的账户余额的明文;基于所述最新构建时刻的被加密的账户余额的明文,从与所述最新当时区块高度之后的区块开始,基于所述区块链上存储的与所述区块链用户相关的转账交易,恢复得到所述区块链用户的当前的账户余额的明文。
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公开(公告)号:WO2021147294A1
公开(公告)日:2021-07-29
申请号:PCT/CN2020/106272
申请日:2020-07-31
Applicant: 中国银联股份有限公司
IPC: G07C9/27 , G06Q20/10 , G07B15/04 , G06Q20/102 , G06Q20/341
Abstract: 本发明涉及数据处理方法及其系统。该方法包括:进站时,获取卡信息以及进站信息,若进站场景为联机状态,则将信息联机上传到行业后台并由行业后台发起预授权请求,若进站场景为脱机状态,则在本地保存信息并在联网后上传;出站时,获取卡信息以及出站信息,联机情况下,将信息上传到行业后台,若为脱机则在本地保存信息,行业后台判断是否存在预授权请求成功记录,若存在则发起预授权完成交易,若不存在预授权请求,则发出实时交易请求。根据本发明既能够降低交易耗时又能够避免断网对交易造成影响。
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6.
公开(公告)号:WO2021124074A1
公开(公告)日:2021-06-24
申请号:PCT/IB2020/061898
申请日:2020-12-14
Applicant: FLOWPAY S.R.L.
Inventor: MASI, Federico , TOMMASI, Edoardo
IPC: G06Q20/10 , G06Q20/02 , G06Q20/102
Abstract: Described is an electronic system (1) for managing and executing payments between different economic subjects (A,B,C,D,E,F,G,H), comprising: - at least one computer (2), equipped with a database (3), a processing unit (4), and a module for receiving payment data, and configured for: - accepting at the input to the module for receiving payment data payment requests relating to the various economic subjects (A,B,C,D,E,F,G,H) containing at least one economic value which is the object of the payment request, a payment date, a creditor of said economic subjects (A,B,C,D,E,F,G,H) and a debtor of said economic subjects (A,B,C,D,E,F,G,H); - storing said payment requests in a database (3); - transmitting, for each payment request stored in the database (3), a request for checking an available balance of a bank account of the debtor addressed to at least one computer (B1,B2,B3,B4,B5,B6) of an interbank computer network; - generating, at predetermined intervals, lists of payment sequences arranged in terms of time to be executed corresponding to the payment requests stored, with each list regarding a predetermined date and containing at least one unique identification code of the payment request and a time of execution of the payment request.
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公开(公告)号:WO2022031592A8
公开(公告)日:2022-02-10
申请号:PCT/US2021/044159
申请日:2021-08-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: ABOUELENIN, Mohamed , LOPREIATO, Anthony
IPC: G06Q20/40 , G06Q20/22 , G06Q20/102 , G06Q20/3829 , G06Q20/40145 , G06Q20/4016 , G06Q20/407 , H04L2209/56 , H04L9/3213
Abstract: Systems and methods for use in tokenization are disclosed. One example method includes receiving a request to provision a biometric for biometric transactions to a payment account where, the request includes a cryptogram associated with a transaction to said payment account and/or a transaction ID for the transaction. The method also includes checking with an issuer whether the payment account is supported for biometric transactions, receiving an indicator of eligibility, and then requesting a biometric from the user. The method further includes receiving biometric data indicative of the user's biometric, and transmitting a request to the issuer to enable biometric transactions for the payment account.
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公开(公告)号:WO2022031592A1
公开(公告)日:2022-02-10
申请号:PCT/US2021/044159
申请日:2021-08-02
Applicant: MASTERCARD INTERNATIONAL INCORPORATED
Inventor: ABOUELENIN, Mohamed , LOPREIATO, Anthony
IPC: G06Q20/40 , G06Q20/22 , G06Q20/102 , G06Q20/3829 , G06Q20/40145 , G06Q20/4016 , G06Q20/407 , H04L2209/56 , H04L9/3213
Abstract: Systems and methods for use in tokenization are disclosed. One example method includes receiving a request to provision a biometric for biometric transactions to a payment account where, the request includes a cryptogram associated with a transaction to said payment account and/or a transaction ID for the transaction. The method also includes checking with an issuer whether the payment account is supported for biometric transactions, receiving an indicator of eligibility, and then requesting a biometric from the user. The method further includes receiving biometric data indicative of the user's biometric, and transmitting a request to the issuer to enable biometric transactions for the payment account.
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公开(公告)号:WO2022006015A1
公开(公告)日:2022-01-06
申请号:PCT/US2021/039455
申请日:2021-06-28
Applicant: APPDIRECT, INC.
Inventor: CRAGGS, Daniel P. , RUDMAN, Vadim , DUBE, David
IPC: G06Q10/10 , G06Q20/08 , G06Q20/40 , G06Q20/34 , G06Q30/02 , G06Q30/04 , G06Q10/1095 , G06Q20/02 , G06Q20/085 , G06Q20/102 , G06Q20/127 , G06Q20/145 , G06Q20/204 , G06Q20/24 , G06Q20/401 , G06Q20/425 , G06Q30/0284 , H04L12/14 , H04L2463/082 , H04L63/08 , H04M15/44 , H04M15/56 , H04M15/65 , H04M15/8207 , H04M15/83 , H04M15/8355 , H04M15/84 , H04N7/147
Abstract: Various aspects of the subject technology relate to completing a payment over a video call. A method includes initiating, a video call between a user and a vendor, the user and the vendor having a scheduled appointment comprising a specified duration of time. The method also includes directing the user to the video call through video call software. The method also includes receiving, from the video call software, a notification that the video call ended, the notification comprising video call metadata. The method also includes calculating, through an online marketplace, a total cost of the scheduled appointment based at least on the video call metadata and marketplace data. The method also includes generating, through the online marketplace, an invoice based on the total cost. The method also includes receiving payment information from the user regarding the invoice. According to aspects, the method includes a flash-to-pay option for payment.
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公开(公告)号:WO2021257648A1
公开(公告)日:2021-12-23
申请号:PCT/US2021/037546
申请日:2021-06-16
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: RULE, Jeffrey , OLENOSKI, Michelle
IPC: G06Q40/02 , G06Q20/10 , G06F16/2379 , G06F3/0481 , G06N20/00 , G06N5/04 , G06Q10/06316 , G06Q20/102 , G06Q20/352 , G06Q20/3821 , G06Q20/409 , G06Q2220/00 , H04L2463/082 , H04L63/083 , H04L67/06 , H04L67/24 , H04L67/306
Abstract: In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.
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