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    ORCHESTRATION TECHNIQUES FOR ADAPTIVE TRANSACTION PROCESSING
    1.
    发明申请
    ORCHESTRATION TECHNIQUES FOR ADAPTIVE TRANSACTION PROCESSING 审中-公开

    公开(公告)号：WO2022006461A1

    公开(公告)日：2022-01-06

    申请号：PCT/US2021/040190

    申请日：2021-07-01

    Applicant: GIANT OAK, INC. ,  CONSILIENT, INC. ,  SHIFFMAN, Gary ,  SHAPIRO, Jacob

    Inventor： SHIFFMAN, Gary ,  SHAPIRO, Jacob

    IPC: G06Q20/00 ,  G06K9/6256 ,  G06Q20/3821 ,  G06Q20/4016 ,  G06Q20/409

    Abstract: Systems and techniques are described for orchestrating iterative updates to machine learning models (e.g., transaction models) deployed to multiple end-user devices. In some implementations, output data generated by a first transaction model deployed at a first end-user device is obtained. The first transaction model is trained to apply a set of evidence factors to identify potentially anomalous activity associated with a first target entity. An adjustment for a second transaction model deployed at a second end-user device is determined. The second transaction model is trained to apply the set of evidence factors to identify potentially anomalous activity associated with a second target entity determined to be similar to the first target entity. A model update for the second transaction model is generated. The model update specifies a change to the second transaction model. The model update is provided for output to the second end-user device.

    LATERPAY 5G SECONDARY AUTHENTICATION
    2.
    发明申请
    LATERPAY 5G SECONDARY AUTHENTICATION 审中-公开

    公开(公告)号：WO2021259608A1

    公开(公告)日：2021-12-30

    申请号：PCT/EP2021/064840

    申请日：2021-06-02

    Applicant: LATERPAY AG

    Inventor： ENE, Cosmin-Gabriel ,  HANS, Martin

    IPC: G06Q20/32 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q20/16 ,  G06Q20/40 ,  G06Q20/42 ,  G06Q20/123 ,  G06Q20/325 ,  G06Q20/409

    Abstract: Providing a method for providing paid access to online content, the method comprising: a) sending, by a user equipment (101), a signal requesting the online content from a content provider (120), preferably a web server (121) of the content provider (120); b) receiving, by the user equipment (101), a response signal with an address of a payment system (130);, it is an objective of the present invention to provide a content payment authentication with improved reliability without a need for prior payment system registration. The objective is achieved by c) sending, by the user equipment, first session request signal, preferably a PDU session setup request signal, requesting a communication session, preferably a PDU session, with the payment system (130); d) determining, by a policy function (117), preferably by a Policy Control Function of a public land mobile network (110) of the user equipment (101), an address of an authentication server (131) based on the address of the payment system (130), the authentication server preferably being a secondary authentication server and/or an AAA server, preferably remote from the public land mobile network (110); e) determining, by a core network managing function (140), a persistent ID of the user equipment (101) and providing the persistent ID to the authentication server (131) in a second session request signal (228), preferably in a SMF/AAA Session Request signal; f) determining, by the authentication server (131), the authenticity of the user equipment (101) using the persistent ID; g) determining, by the payment system (130), based on the persistent ID, a payment status of the user equipment (101) for the online content; and h) enabling at least one user option, preferably via a first session established in response to the first session request signal, at the user equipment (101) for the online content, based on the payment status, preferably at least one option to gain access to the online content, to pay for the online content, and/or to donate money to the content provider (120).

    INTELLIGENT CARD UNLOCK
    7.
    发明申请
    INTELLIGENT CARD UNLOCK 审中-公开

    公开(公告)号：WO2021222562A1

    公开(公告)日：2021-11-04

    申请号：PCT/US2021/029890

    申请日：2021-04-29

    Applicant: CAPITAL ONE SERVICES, LLC

    Inventor： BENKREIRA, Abdelkader M’Hamed ,  MAIMAN, Tyler ,  WAY, Brendan

    IPC: G06Q20/34 ,  G06Q20/40 ,  G06Q20/32 ,  G06K7/10366 ,  G06Q20/3263 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/405 ,  G06Q20/409

    Abstract: Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.

    DIGITAL ASSET EXCHANGE SYSTEM AND RELATED METHODS
    8.
    发明申请
    DIGITAL ASSET EXCHANGE SYSTEM AND RELATED METHODS 审中-公开

    公开(公告)号：WO2021190455A1

    公开(公告)日：2021-09-30

    申请号：PCT/CN2021/082123

    申请日：2021-03-22

    Applicant: DAXCHAIN LIMITED

    Inventor： PHAN, Maggie ,  PHAN, Anthony

    IPC: G06Q20/06 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/3223 ,  G06Q20/3433 ,  G06Q20/38215 ,  G06Q20/401 ,  G06Q20/409

    Abstract: A system as a computer server platform and application programming software installed in primary devices of users for exchanging and trading digital asset securely and anonymously between two users of the system where said digital asset is registered under a device account of a primary device of a user with the system using a unique device account name. The system respects "privacy by design" in GDPR by using device account based-on anonymized data instead of personal account based-on personal data of prior art to ensure the system does not collect, store and process users' personal data in the course of device accounts' set-up and transactions of digital assets.

    SYSTEMS AND METHODS FOR PAYMENT AUTHENTICATION
    9.
    发明申请
    SYSTEMS AND METHODS FOR PAYMENT AUTHENTICATION 审中-公开

    公开(公告)号：WO2021252855A1

    公开(公告)日：2021-12-16

    申请号：PCT/US2021/036950

    申请日：2021-06-11

    Applicant: CAPITAL ONE SERVICES, LLC

    Inventor： JOHNSON, Clayton ,  SCOTT, Esther ,  WIEKER, Jeffrey

    IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/382 ,  G06Q20/385 ,  G06Q20/4014 ,  G06Q20/409 ,  H04L9/0866 ,  H04L9/3213 ,  H04L9/3231

    Abstract: Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.

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