公开(公告)号：WO2023071800A1

公开(公告)日：2023-05-04

申请号：PCT/CN2022/124878

申请日：2022-10-12

Applicant: 中国人民银行数字货币研究所

Inventor： 穆长春 ,  狄刚 ,  郭伟 ,  赵新宇 ,  施展 ,  崔沛东

IPC: G06Q20/30

Abstract: 本公开提供基于智能合约进行物联网支付的方法和装置，涉及物联网技术领域。该方法的一具体实施方式包括：在将智能合约部署到物联网设备上后，进行合约注册，以使所述智能合约进入监听状态；通过智能合约监听外部事件，并在外部事件满足触发条件的情况下，将所述智能合约由监听状态转换为执行状态进行物联网支付；其中，执行状态的智能合约仍持续监听外部事件。该实施方式实现了可信的支付、可靠的用户隐私保护以及安全便捷的交易支付。

公开(公告)号：WO2023066215A1

公开(公告)日：2023-04-27

申请号：PCT/CN2022/125748

申请日：2022-10-17

Applicant: 中国人民银行数字货币研究所

Inventor： 穆长春 ,  狄刚 ,  赵新宇 ,  郭建昌 ,  崔沛东 ,  于鹏 ,  施展

IPC: G06Q20/30 ,  G04R20/02

Abstract: 本申请公开了一种数字货币钱包管理方法及远程控制方法、装置和系统，涉及计算机技术领域。该方法的一具体实施方式包括：检测与数字货币平台之间的连接状态；在与数字货币平台之间的连接状态指示为离线状态的情况下，通过通信卫星获取当前时刻；根据当前时刻以及自身保存的上一次同步时刻，计算离线时长；确定离线时长是否大于预设离线时长；在确定出离线时长大于预设离线时长的情况下，生成钱包关键信息集，并将钱包关键信息集发送至数字货币平台，以使数字货币平台同步并处理钱包关键信息集。该实施方式保证了数字货币钱包在离线期间的时钟准确度，进而保证了交易信息的准确性。

公开(公告)号：WO2023011755A1

公开(公告)日：2023-02-09

申请号：PCT/EP2022/025323

申请日：2022-07-12

Applicant: GIESECKE+DEVRIENT ADVANCE52 GMBH

Inventor： SEIDEMANN, Wolfram ,  RIEDL, Teresa

IPC: G06F21/60 ,  G06Q20/06 ,  G06Q20/30 ,  G06Q20/38

Abstract: Die Erfindung betrifft ein Verfahren (100) zum direkten Übertragen von Token (T) in einem Tokensystem (TS) zwischen einer Teilnehmereinheit (TE) und einer Maschineneinheit (ME) zum Bezahlen einer Nutzung einer Maschine, wobei jeder Token (T) zumindest einen Tokenwert (v) als Tokenelement aufweist, mit den Verfahrensschritten: Aufteilen eines Tokens (T) der Teilnehmereinheit (TE) in einen ersten Tokenteil (T1) und in einen zweiten Tokenteil (T2) durch die Teilnehmereinheit (TE), wobei dazu ein Tokenwert (v) des Tokens (T) in einen ersten Tokenteilwert (v1) des ersten Tokenteils (T1) und einen zweiten Tokenteilwert (v2) des zweiten Tokenteils (T2) aufgeteilt wird; wobei der erste Tokenteil (T1) eine Vielzahl von Mindesttoken (Tmin) umfasst, wobei jeder Mindesttoken (Tmin) einen Tokenmindestwert (vmin) aufweist, wobei ein erster Mindesttoken (Tmin_1)von der Teilnehmereinheit (TE) an die Maschineneinheit (ME) gesendet wird; oder wobei der erste Tokenteilwert (vl) um ein Vielfaches größer ist als ein Tokenmindestwert (vmin) und wobei der erste Tokenteil (T1) von der Teilnehmereinheit (TE) an die Maschineneinheit (ME) gesendet wird. Das Verfahren umfasst zudem eine Maschineneinheit und ein Tokensystem.

公开(公告)号：WO2023281178A1

公开(公告)日：2023-01-12

申请号：PCT/FR2022/051183

申请日：2022-06-17

Applicant: ORANGE

Inventor： LE HUEROU, Emmanuel ,  TOUTAIN, François

IPC: G06Q20/40 ,  G06Q20/30 ,  G06Q20/32 ,  G07F15/00 ,  G07F17/12 ,  G07F13/02

Abstract: L'invention concerne un procédé de contrôle d'une transaction sans contact entre un objet communicant (OC) et un dispositif de communication (DC), au cours duquel l'objet communicant reçoit (S1) en provenance du dispositif de communication une requête contenant des données relatives à la transaction, le procédé étant caractérisé en ce que l'objet communicant exécute de manière autonome ce qui suit : - extraire (S2) de ladite requête reçue des informations (DAT1) relatives à la transaction, - comparer (S3) les informations extraites à des données de contexte d'utilisation (DCU) de l'objet communicant qui ont été déterminées par l'objet, - activer (S5) l'envoi au dispositif de communication d'une réponse à la requête autorisant la transaction, quand une concordance existe entre les informations relatives à la transaction et les données de contexte d'utilisation.

公开(公告)号：WO2022271138A2

公开(公告)日：2022-12-29

申请号：PCT/TR2022/050658

申请日：2022-06-24

Applicant: SOFTTECH YAZILIM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ

Inventor： ERTEM, Melih Murat ,  YAVUZ, Onur ,  BAYRAM, Murat ,  GÜNEŞ, Mehmet ,  AYGÜNEŞ, Tufan ,  BAYĞUT, Umut

IPC: G06F21/31 ,  G06Q20/30 ,  G06Q20/40 ,  G06Q20/16 ,  G06F8/60 ,  H04L67/00

Abstract: The invention is related to a platform providing multiple applications comprising a host computer (2) with internet access; a mobile application (4) connected to provide data transmission to the host computer; an end user (8) using the mobile application (4) by installing it on a mobile device (6); a platform (14) on a cloud computing (12) or a network infrastructure where the end user (8) accesses using a connection through a mobile operator or wireless hotspot (10); at least one sub-application (22) configured to be hosted on the platform (14) and to provide one or more operations; a platform application interface (15) and a sub-application interface (26) in which access to the sub-application (22) is provided through the platform application interface (15); and a software development kit (28) that includes the sub-application (22) in its interface to enable network requests, security and sub-application creation on the platform, and is integrated with the platform interface (15) and the sub-application interface (26).

公开(公告)号：WO2022189044A1

公开(公告)日：2022-09-15

申请号：PCT/EP2022/050387

申请日：2022-01-11

Applicant: SIEMENS AKTIENGESELLSCHAFT

Inventor： ZUPAN, Nejc

IPC: G06F16/25 ,  G06F8/40 ,  G06Q20/30

Abstract: The invention relates to a method and a system for sending data to and/or retrieving data from a decentralized distributed database. The method involves retrieving a transformation rule from a data library by the sending/retrieving system, wherein the transformation rule defines a transformation of data in a system-specific data structure into a database-specific data structure or vice versa. Sending and retrieving data involves a transformation of the data structure according to the transformation rule. The method ensures for example correctness, reusability, and/or forward and backward compatibility of data tracked in the decentralized distributed database.

公开(公告)号：WO2022066669A1

公开(公告)日：2022-03-31

申请号：PCT/US2021/051377

申请日：2021-09-21

Applicant: PAYPAL, INC.

Inventor： KANG, Abraham Joseph ,  KHAN, Faisal M. ,  PENTA, Bharat Chandra ,  NGUYEN, Vinh

IPC: G06Q20/32 ,  G06F3/0484 ,  G06K7/14 ,  G06K19/06 ,  G06Q20/00 ,  G06Q20/30

Abstract: Systems and techniques for facilitating relay attack prevention for electronic quick response (QR) codes are provided. A system can determine a cardinality and frame rate. System can transmit instruction to a mobile device, which can cause the mobile device to generate interlaced frames having the cardinality. The interlaced frames can respectively correspond to portions of a QR code, wherein different interlaced frames depict different QR code portions. The instruction also can cause the mobile device to sequentially render, at the frame rate, the interlaced frames on the mobile device display, causing one portion from the QR code portions to be depicted on the display at a time. System can transmit another instruction to a point-of-sale (POS) device, causing POS device to reconfigure scanner settings of POS device, and enabling POS device to capture the interlaced frames sequentially rendered on the mobile device display based on the cardinality and frame rate.

公开(公告)号：WO2021177918A1

公开(公告)日：2021-09-10

申请号：PCT/TR2020/051105

申请日：2020-11-13

Applicant: KARTEK KART VE BİLİŞİM TEKNOLOJİLERİ TİCARET ANONİM ŞİRKETİ

Inventor： YASSIBAŞ, Hasan ,  AKGÜN, Ahmet

IPC: G06Q20/30

Abstract: The invention relates to a system and a method providing OTP (one Time Password) to verify card holder in transactions over CVM (Cardholder Verification Method) limit for devices receiving EMV contactless payment commercially available on shelf by software based SoftPOS mobile application.

公开(公告)号：WO2021091549A1

公开(公告)日：2021-05-14

申请号：PCT/US2019/060001

申请日：2019-11-06

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： LEDDY, William, Joseph, III

IPC: G06Q20/04 ,  G06Q20/06 ,  G06Q20/08 ,  G06Q20/14 ,  G06Q20/30 ,  G06Q20/40

Abstract: A payment system apparatus configured to install with a merchant's non-payment equipment, comprising one or more payment tokens, a transceiver system and a housing, within which the transceiver system is installed, configured to install physically, electrically, wirelessly, or any combination thereof, with the merchant's non-payment equipment.

公开(公告)号：WO2021080556A1

公开(公告)日：2021-04-29

申请号：PCT/US2019/057219

申请日：2019-10-21

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： SINGHAL, Rahul ,  KUMAR, Animesh

IPC: G06Q20/30 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

Abstract: The present disclosure relates generally to electronic transactions, and more specifically, to perform inter wallet transactions. A directory server may act as a network between a plurality of wallets. In some non-limiting embodiments or aspects, the directory server receives a request message from a first wallet server for initiating a transaction from a first wallet user to a second wallet user associated with a second wallet server. In some non-limiting embodiments or aspects, the directory server sends one or more details among a plurality of details associated with the second wallet server and the second wallet user to the first wallet server in response to the request message.