公开(公告)号：WO2021146551A1

公开(公告)日：2021-07-22

申请号：PCT/US2021/013625

申请日：2021-01-15

申请人： IDEMIA IDENTITY & SECURITY USA LLC

发明人： MIU, Stephen ,  WU, Yecheng ,  BI, Daoshen

IPC分类号： G06K19/077 ,  G06K19/07722 ,  G06K19/07769 ,  G06Q20/105 ,  G06Q20/341 ,  G06Q20/357 ,  H04L9/0819

摘要： A physical credential includes a first core stock layer provisioned in accordance with a first architecture defining an arrangement of embedded identity attributes with respect to X-Y coordinates of the physical credential. An inlay card layer is affixed to the first core stock layer and includes one or more wire-based antennas. A core stock layer is affixed to the inlay card layer and provisioned in accordance with a second architecture defining an arrangement of embedded security attributes with respect to the X-Y coordinates. The second architecture defines one or more constraints with the first architecture with respect to the X-Y coordinates. The core stock layer includes a semiconductor chip electrically coupled to the one or more wire-based antennas. A personalization layer is affixed to the core stock layer and includes one or more of the identity attributes embedded in compliance with the first architecture and the second architecture.

公开(公告)号：WO2021249950A1

公开(公告)日：2021-12-16

申请号：PCT/EP2021/065182

申请日：2021-06-07

申请人： CCS12

发明人： BENHAYOUN, Laurent ,  ABISDID, Marlène

IPC分类号： G06F21/62 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/40 ,  G06F21/31 ,  G06F21/32 ,  G06F21/6209 ,  G06F21/6245 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/356 ,  G06Q20/40145

摘要： L'invention concerne un procédé de révélation digitale d'au moins une donnée sécuritaire d'une carte à puce (1). Selon l'invention, le procédé de révélation comporte : - une étape d'authentification biométrique et/ou d'authentification codifiée du propriétaire de la carte à puce (1); - une étape de reconnaissance de la carte à puce (1); - une étape de comparaison de la au moins une donnée d'identification de la carte à puce (1) avec des données de référence. L'invention se rapporte aussi à une utilisation de ce procédé dans le secteur bancaire et dans le secteur de l'assurance maladie.

公开(公告)号：WO2021194917A1

公开(公告)日：2021-09-30

申请号：PCT/US2021/023386

申请日：2021-03-22

申请人： CAPITAL ONE SERVICES, LLC

发明人： EDWARDS, Joshua ,  BENKREIRA, Abdelkader ,  MOSSOBA, Michael

IPC分类号： G06Q20/34 ,  G06Q20/32 ,  G06Q50/22 ,  G16H10/65 ,  G06K19/0723 ,  G06K7/10297 ,  G06Q20/3221 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/3552 ,  G06Q20/363 ,  G06Q50/265 ,  G07F7/084 ,  G16H40/67 ,  H04L63/0861 ,  H04L63/107 ,  H04W12/08 ,  H04W12/63 ,  H04W4/80

摘要： A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

公开(公告)号：WO2022020504A8

公开(公告)日：2022-01-27

申请号：PCT/US2021/042623

申请日：2021-07-21

申请人： CAPITAL ONE SERVICES, LLC

发明人： JOHNSON, Molly ,  VUKICH, Adam ,  ZARAKAS, James

IPC分类号： G06Q20/34 ,  G07F19/00 ,  G06Q10/06 ,  G06Q20/18 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/341 ,  G06Q20/401 ,  G06Q20/4016 ,  G07F19/2055 ,  G07F7/082 ,  G07F7/0833 ,  G07F7/1008

摘要： Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminal's state.

公开(公告)号：WO2022005636A1

公开(公告)日：2022-01-06

申请号：PCT/US2021/033124

申请日：2021-05-19

申请人： MASTERCARD INTERNATIONAL INCORPORATED

发明人： NOE, James, Christian ,  LAMBERT, Jorn ,  COWEN, Michael, John

IPC分类号： G06Q20/22 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/34 ,  G06Q20/227 ,  G06Q20/341 ,  G06Q20/3821 ,  G06Q20/4014

摘要： The invention provides a method and system allowing a consumer to update (secondary) payment credentials linked to a single set of main (first) payment credentials. This allows consumers to initiate transactions using such first set of payment credentials, which are treated by the merchant and acquirer as the payment credentials for the transaction, while the transaction is funded using payment credentials that the consumer dynamically selected. The selection may be performed before the transaction begins, or in some cases the selection can be made in real time whilst the transaction is ongoing.

公开(公告)号：WO2021229441A1

公开(公告)日：2021-11-18

申请号：PCT/IB2021/054015

申请日：2021-05-11

申请人： DEEYOOK LOCATION TECHNOLOGIES LTD.

发明人： SHPAK, Eran ,  NOTTENBURG, Richard N.

IPC分类号： G06Q20/32 ,  G06Q20/40 ,  G06Q20/34 ,  G06Q20/24 ,  G01S3/46 ,  H04B7/06 ,  H04L27/26 ,  H04W4/02 ,  G06Q10/08 ,  G06Q50/30 ,  G01S1/02 ,  G01S11/02 ,  G01S5/0036 ,  G01S5/02 ,  G01S5/10 ,  G06Q10/0833 ,  G06Q20/20 ,  G06Q20/3224 ,  G06Q20/3226 ,  G06Q20/3227 ,  G06Q20/325 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/353 ,  G06Q20/4015 ,  G06Q30/0601 ,  H04L27/2662 ,  H04W12/06 ,  H04W4/025 ,  H04W4/029

摘要： In at least one embodiment, a system for enabling an electronic transaction for a purchase based on wireless communication is provided. The system includes at least one transceiver and an electronic authentication card. The electronic authentication card includes the at least one transceiver to initiate a purchase for a user. The electronic authentication card is programmed to wirelessly receive a plurality of wireless signals from at least one transmitter and process the plurality of wireless signals to generate first information indicative of a location of the electronic authentication card. The electronic authentication card is further programmed to wirelessly transmit the first information to a server and to wirelessly receive location coordinates from the server identifying the location of the electronic authentication card based on the first information.

公开(公告)号：WO2022271252A1

公开(公告)日：2022-12-29

申请号：PCT/US2022/023257

申请日：2022-04-04

申请人： CAPITAL ONE SERVICES, LLC.

发明人： RULE, Jeffrey ,  OSBORN, Kevin

IPC分类号： G06Q20/10 ,  G06F21/35 ,  G06Q20/32 ,  G06Q20/34 ,  G06F16/955 ,  G06F2221/2115 ,  G06N20/00 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/3821 ,  G06Q20/40975 ,  H04L9/088

摘要： Systems, methods, apparatuses, and computer-readable media for server-side redirect of uniform resource locators (URLs) generated by contactless cards. In one aspect, a server may receive, from a client, a first request comprising a uniform resource locator (URL), where parameters of the URL include a cryptogram and a customer identifier of an account associated with the contactless card. The server may decrypt the cryptogram and determine a context of the account based on one or more attributes of the account. The server may select, based on the decryption of the cryptogram and the determined context, a first redirect URL of a plurality of redirect URLs. The server may transmit, to the client, a response including the redirect URL. The server may receive, from the client, a second request including the redirect URL. The server may transmit, to the client, a response including a resource at the redirect URL.

公开(公告)号：WO2022240484A1

公开(公告)日：2022-11-17

申请号：PCT/US2022/021272

申请日：2022-03-22

申请人： CAPITAL ONE SERVICES, LLC.

发明人： RULE, Jeffrey ,  BERGERON, George ,  NEWMAN, Kaitlin ,  HART, Colin

IPC分类号： G06Q20/34 ,  G06Q20/32 ,  G06F16/955 ,  G06F21/35 ,  G06Q20/10 ,  G06F21/34 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/3267 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q2220/00

摘要： A system in which a payment card tapped onto a mobile device is used to authenticate a user sending money to another user or requesting money from another user. When the first user taps a payment card onto their mobile device, a URL with encrypted string is sent to the mobile device of the user receiving the money or the money request. The mobile device of the other user launches a banking app as a result of opening the URL. That app uses the encrypted string to authenticate the first user sending or requesting the money.

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

申请人： 中国银联股份有限公司

发明人： 丁林润 ,  李春欢 ,  陈朋 ,  黄江妙 ,  徐天

IPC分类号： G07C9/27 ,  G06Q20/10 ,  G07B15/04 ,  G06Q20/102 ,  G06Q20/341

摘要： 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。

公开(公告)号：WO2021133503A1

公开(公告)日：2021-07-01

申请号：PCT/US2020/061972

申请日：2020-11-24

申请人： CAPITAL ONE SERVICES, LLC

发明人： OSBORN, Kevin ,  CHIGURUPATI, Srinivasa ,  RULE, Jeffrey

IPC分类号： G06Q30/02 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/352 ,  G06Q20/3829 ,  G06Q20/40 ,  G06Q20/40975 ,  G06Q30/0215 ,  G06Q30/0233

摘要： Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: determining that a user is requesting access to a loyalty points account database, receiving encrypted data generated based a cryptographic algorithm and a diversified key, receiving, a verification of the user, the verification including verifying a data combination that includes the encrypted data, where a server associated with the issuer may decrypt the data combination based on the cryptographic algorithm and the diversified key, responsive to receiving the verification of the user, accessing the database associated with a loyalty points account of the user, and authorizing a redemption of a plurality of loyalty points associated with the loyalty points account.