公开(公告)号：WO2022256710A2

公开(公告)日：2022-12-08

申请号：PCT/US2022/032258

申请日：2022-06-03

Applicant: GIGA TECHNOLOGIES

Inventor： NARAYAN, Prasanna L. ,  BANSAL, Amarinder

IPC: G06Q20/22 ,  G06Q20/02 ,  H04M17/00 ,  G06F40/42 ,  G06F9/541 ,  G06Q20/085 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q20/3821 ,  G06Q30/016 ,  G06Q30/04 ,  G06Q40/02

Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

公开(公告)号：WO2022272278A1

公开(公告)日：2022-12-29

申请号：PCT/US2022/073108

申请日：2022-06-23

Applicant: VERIFONE, INC.

Inventor： STODDART, Ian Matthew

IPC: H01Q5/25 ,  G06Q20/04 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/06 ,  G01S7/4865 ,  G06Q20/047 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/3278

Abstract: A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

公开(公告)号：WO2022072166A8

公开(公告)日：2022-04-07

申请号：PCT/US2021/051190

申请日：2021-09-21

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： HOSP, Adam, Kenneth ,  CUMMINS, Oran ,  HOOLE, Michael ,  HOSNY, Ahmed ,  LONE, Ishfaq ,  VICENTE, Marco ,  HIRPARA, Piyushkumar, Kanubhai ,  KRAUTH, Kosta

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/02 ,  G06Q20/3255 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q20/40975 ,  G06Q20/42 ,  G06Q40/02 ,  H04L2463/102 ,  H04L63/0428 ,  H04L63/0807 ,  H04L63/083

Abstract: A computer system includes a database, a communication interface, and a processors). The processors) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor's) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processors) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor's) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device. The processor's) authenticates the cardholder and transmits the digital access token to a third party provider.

公开(公告)号：WO2023274979A1

公开(公告)日：2023-01-05

申请号：PCT/EP2022/067612

申请日：2022-06-27

Applicant: BANKS AND ACQUIRERS INTERNATIONAL HOLDING

Inventor： LEGER, Michel ,  BEUNARDEAU, Marc ,  CONNOLLY, Aisling ,  GERAUD, Rémi ,  NACCACHE, David ,  TRICHINA, Elena

IPC: G06Q20/32 ,  G06Q20/42 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q20/385 ,  G06Q20/401 ,  G06Q20/425

Abstract: L'invention concerne un procédé (100) d'authentification à deux facteurs. Un terminal est relié à un serveur de transaction bancaire via des premier et deuxième canaux de communication logiquement distincts l'un de l'autre. Il met en œuvre les étapes suivantes: - le serveur détermine un code de vérification de la transaction et envoie, au terminal et via le deuxième canal, un message contenant le code, - le serveur envoie, au terminal et via le premier canal, une requête demandant au terminal de renvoyer le code via le premier canal, - le terminal réceptionne la requête sur le premier canal, - le terminal détecte (102) automatiquement la réception du message sur le deuxième canal et identifie (104) automatiquement le code de vérification de la transaction dans le message, - le terminal renvoie (108), au serveur et via le premier canal, une réponse à la requête comprenant le code identifié.

公开(公告)号：WO2021252914A1

公开(公告)日：2021-12-16

申请号：PCT/US2021/037036

申请日：2021-06-11

Applicant: VONAGE BUSINESS INC.

Inventor： BERKELAND, Mark ,  GARCIA, Angel, Esteban

IPC: H04L29/06 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/40 ,  G07C9/37 ,  H04L9/32 ,  G06Q20/3255 ,  G06Q20/3272 ,  G06Q20/40145 ,  G10L17/06 ,  G10L17/24 ,  H04L63/0853 ,  H04L63/0861 ,  H04L9/3231

Abstract: A system for registering an individual's biometric data and then later verifying the identity of the individual using the previously registered biometric data makes use of either an audio communications channel or a messaging channel, both of which are accessed via an application programming interface (API). In some instances, spoken audio input is received from the individual and the spoken audio input is used to generate a voice print for the individual. In other instances, the biometric data could be image-based, such as facial images or an image of an individual's iris.

公开(公告)号：WO2021247968A1

公开(公告)日：2021-12-09

申请号：PCT/US2021/035853

申请日：2021-06-04

Applicant: LIVEPERSON, INC.

Inventor： HAYES, Marc F. JR.

IPC: G06Q20/32 ,  G06Q20/047 ,  G06Q20/3255 ,  G06Q20/3829 ,  G06Q20/40145

Abstract: Disclosed embodiments provide a framework to enable rich messaging via offline channels to obtain payments for completion of business transactions. In response to a request to obtain information associated with a customer to support a transaction performed via a communications session, a messaging platform transmits a request to a computing device associated with the customer to obtain authorization for the information. In response to obtaining the authorization for the information from the computing device associated with the customer, the messaging platform uses the authorization at a processing service to obtain the information subject to the authorization. The information is provided to fulfill the initial request.

公开(公告)号：WO2021133502A1

公开(公告)日：2021-07-01

申请号：PCT/US2020/061960

申请日：2020-11-24

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： RULE, Jeffrey ,  OSBORN, Kevin

IPC: H04L29/06 ,  H04W12/06 ,  H04W12/47 ,  H04L9/32 ,  H04W4/14 ,  H04W4/80 ,  G06Q20/3255 ,  G06Q20/3278 ,  G06Q20/352 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/4014 ,  H04L2209/80 ,  H04L2209/805 ,  H04L63/0838 ,  H04L63/0846 ,  H04L63/0853 ,  H04L63/107 ,  H04L9/3226 ,  H04L9/3228 ,  H04L9/3234

Abstract: Exemplary embodiments may use a contactless card as a secondary form of authentication in a multi-factor authentication for a secure messaging service. The recipient party of a request to initiate a messaging service session (such as a server computing device) may be programmed to use the phone number of the originating device to look up records regarding an identity of a party and their associated phone number as a primary credential and then may require an authentication credential originating from the contactless card as a secondary credential for the initiating party. In some instances, the credential originating from the contactless card is a onetime password that is valid only for a period of time. The recipient party determines whether the onetime password is valid. If both credentials are valid, a secure messaging session may be initiated with the initiating party.