JP2022524831A - コンテクストタッピングエンジン - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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- G—PHYSICS
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- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Abstract
Description
この出願は、2019年3月20日に出願された「コンテクストタッピングエンジン」という名称の米国特許出願第16/359,987号の優先権を主張する。前述の出願の内容は、その全体が参照により本明細書に援用される。
Claims (20)
- プロセッサ回路と、
命令を格納するメモリと、を備えた装置であって、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記プロセッサ回路で実行されるアプリケーションが、アカウントに関連付けられた資格情報を認証することと、
前記アプリケーションが、前記装置への前記アカウントに関連付けられた非接触カードのタップを検出することと、
前記アプリケーションが、前記非接触カードの通信インターフェースから、前記装置への前記非接触カードの前記タップに関連付けられたアクションを決定するために少なくとも部分的に使用されるアクションデータを受信することと、
前記アプリケーションが、前記アプリケーションの現在の出力に少なくとも部分的に基づいて、前記アプリケーションのコンテキストを決定することと、
前記アプリケーションが、前記アクションデータ、前記決定されたコンテキスト、および前記アカウントに関連付けられたデータに基づいて、前記装置への前記非接触カードの前記タップに関連付けられた前記アクションとして第1のアクションを決定することであって、前記第1のアクションは、前記アプリケーションおよび前記プロセッサ回路で実行されるオペレーティングシステム(OS)の少なくとも1つに関連付けられる、ことと、
前記アプリケーションが、前記装置への前記非接触カードの前記タップに基づいて、前記第1のアクションの実行を開始することと、
を実行させる、
装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
機械学習(ML)モデルを受信することであって、前記MLモデルは、複数のデバイスへの複数の非接触カードの複数のタップに応答して実行される複数のアクションを記述するトレーニングデータに基づいて生成され、前記非接触カードは、前記複数の非接触カードのうちの前記アカウントの1つに関連付けられる、ここと、
前記アプリケーションが、前記アクションデータ、前記決定されたコンテキスト、および前記MLモデルに基づいて、予測アクションを生成することと、
前記装置への前記非接触カードの前記タップに基づいて、前記予測アクションを前記第1のアクションとして決定することと、
を実行させる、
請求項1に記載の装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
機械学習(ML)モデルを受信することであって、前記MLモデルは、前記装置への前記アカウントに関連付けられた前記非接触カードの複数のタップに応答して実行される複数のアクションを記述するトレーニングデータに基づいて生成される、ことと、
前記アプリケーションが、前記アクションデータ、前記決定されたコンテキスト、および前記MLモデルに基づいて、予測アクションを生成することと、
前記装置への前記非接触カードの前記タップに基づいて、前記予測アクションを前記第1のアクションとして決定することと、
を実行させる、
請求項1に記載の装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記アプリケーションの前記現在の出力に関連付けられた少なくとも1つの機能および少なくとも1つの非接触カードに基づいて、前記アプリケーションの前記コンテキストを決定することであって、前記アプリケーションの前記現在の出力は、前記装置のディスプレイに出力されたページを備える、こと、
を実行させる、
請求項1に記載の装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記アプリケーションが、前記アカウントに関連付けられた前記データで指定されたユーザ定義アクションを決定することと、
前記アプリケーションが、前記ユーザ定義アクションを前記第1のアクションとして決定することと、
を実行させる、
請求項1に記載の装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記装置への前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けるためのユーザ定義アクションを指定する入力を受信することと、
前記非接触カードのメモリに、前記装置への前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けられた前記ユーザ定義アクションの指示を格納することと、
を実行させる、
請求項1に記載の装置。 - 前記メモリは、命令を格納しており、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記アプリケーションが、前記アクションデータは、ユニフォームリソースロケータ(URL)を備えることを決定することであって、前記第1のアクションの実行を開始することは、前記URLに関連付けられた動作を実行することを含む、こと、
を実行させる、
請求項1に記載の装置。 - 前記第1のアクションは、(i)電話、(ii)前記アプリケーションのページのロード、(iii)前記OSのコンポーネントのアクティブ化、(iv)前記OS上で実行されている異なるアプリケーションの機能へのアクセス、および(v)前記非接触カードのアクティブ化のうちの1つまたは複数を備える、
請求項1に記載の装置。 - コンピュータ可読プログラムコードが具体化された非一時的コンピュータ可読記憶媒体であって、プロセッサ回路によって実行可能な前記コンピュータ可読プログラムコードは、前記プロセッサ回路に、
前記プロセッサ回路で実行されるアプリケーションが、アカウントに関連付けられた資格情報を認証することと、
前記アプリケーションが、デバイスへの前記アカウントに関連付けられた非接触カードのタップを検出することと、
前記アプリケーションが、前記非接触カードの通信インターフェースから、前記デバイスへの前記非接触カードの前記タップに関連付けられたアクションを決定するために少なくとも部分的に使用されるアクションデータを受信することと、
前記アプリケーションが、前記アプリケーションの現在の出力に少なくとも部分的に基づいて、前記アプリケーションのコンテキストを決定することと、
前記アプリケーションが、前記アクションデータ、前記決定されたコンテキスト、および機械学習(ML)モデルに基づいて、前記デバイスへの前記非接触カードの前記タップに関連付けられた前記アクションとして第1のアクションを決定することであって、前記第1のアクションは、前記アプリケーションおよび前記プロセッサ回路で実行されているオペレーティングシステム(OS)の少なくとも1つによって実行されるアクションを備える、ことと、
前記アプリケーションが、前記デバイスへの前記非接触カードの前記タップに基づいて、前記第1のアクションの実行を開始することと、
を実行させる、非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
複数のデバイスへの複数の非接触カードの複数のタップに応答して実行される複数のアクションを記述するトレーニングデータに基づいて、前記MLモデルを生成することであって、前記非接触カードは、前記複数の非接触カードのうちの1つの前記アカウントに関連付けられる、こと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記アプリケーションの現在の出力に関連付けられた少なくとも1つの機能および少なくとも1つの非接触カードに基づいて前記アプリケーションの前記コンテキストを決定することであって、前記アプリケーションの現在の出力は、前記デバイスのディスプレイに出力されたページを備え、前記第1のアクションは、(i)電話、(ii)前記アプリケーションのページのロード、(iii)前記OSのコンポーネントのアクティブ化、(iv)前記OS上で実行されている異なるアプリケーションの機能へのアクセス、および(v)前記非接触カードのアクティブ化のうちの1つまたは複数を備える、こと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記アプリケーションが、前記アカウントに関連付けられたデータで指定されたユーザ定義アクションを決定することと、
前記アプリケーションが、前記ユーザ定義アクションを前記第1のアクションとして決定することと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記デバイスへの前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けるためのユーザ定義アクションを指定する入力を受信することと、
前記非接触カードのメモリに、前記デバイスへの前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けられている前記ユーザ定義アクションの指示を格納することと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記アプリケーションが、前記アクションデータは、ユニフォームリソースロケータ(URL)を備えることを決定することであって、前記第1のアクションの実行を開始することは、前記URLに関連付けられた動作を実行することを含む、こと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的コンピュータ可読記憶媒体。 - デバイスのプロセッサ回路で実行されるアプリケーションが、アカウントに関連付けられた資格情報を認証することと、
前記アプリケーションが、前記デバイスへの前記アカウントに関連付けられた非接触カードのタップを検出することと、
前記アプリケーションが、前記非接触カードの通信インターフェースから、前記デバイスへの前記非接触カードの前記タップに関連付けられたアクションを決定するために少なくとも部分的に使用されるアクションデータを受信することと、
前記アプリケーションが、前記アプリケーションの現在の出力に少なくとも部分的に基づいて、前記アプリケーションのコンテキストを決定することと、
前記アプリケーションが、前記アクションデータ、前記決定されたコンテキスト、および機械学習(ML)モデルに基づいて、前記非接触カードの前記タップに関連付けられた前記アクションとして第1のアクションを決定することであって、前記第1のアクションは、前記アプリケーションおよび前記プロセッサ回路で実行されているオペレーティングシステム(OS)の少なくとも1つによって実行されるアクションを備える、ことと、
前記アプリケーションが、前記デバイスへの前記非接触カードの前記タップに基づいて、前記第1のアクションの実行を開始することと、
を含む、方法。 - 前記方法は、
複数のデバイスへの複数の非接触カードの複数のタップに応答して実行される複数のアクションを記述するトレーニングデータに基づいてMLモデルを生成することであって、前記非接触カードは、前記複数の非接触カードのうちの1つの前記アカウントに関連付けられる、こと、
をさらに含む、請求項15に記載の方法。 - 前記方法は、
前記アプリケーションの前記現在の出力に関連付けられた少なくとも1つの機能および少なくとも1つの非接触カードに基づいて前記アプリケーションの前記コンテキストを決定することであって、前記アプリケーションの前記現在の出力は、前記デバイスのディスプレイに出力されたページを備え、前記第1のアクションは、(i)電話、(ii)前記アプリケーションのページのロード、(iii)前記OSのコンポーネントのアクティブ化、(iv)前記OS上で実行されている異なるアプリケーションの機能へのアクセス、および(v)前記非接触カードのアクティブ化のうち1つまたは複数を備える、こと、
をさらに含む、請求項15に記載の方法。 - 前記方法は、
前記アプリケーションが、前記アカウントに関連付けられた前記データで指定されたユーザ定義アクションを決定することと、
前記アプリケーションが、前記ユーザ定義アクションを前記第1のアクションとして決定することと、
をさらに含む、請求項15に記載の方法。 - 前記方法は、
前記デバイスへの前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けるためのユーザ定義アクションを指定する入力を受信することと、
前記非接触カードのメモリに、前記デバイスへの前記非接触カードの前記タップおよび前記アプリケーションの前記コンテキストに関連付けられている前記ユーザ定義アクションの指示を格納することと、
をさらに含む、請求項15に記載の方法。 - 前記方法は、
前記アプリケーションが、前記アクションデータは、ユニフォームリソースロケータ(URL)を備えることを決定することであって、前記第1のアクションの実行を開始することは、前記URLに関連付けられた動作を実行することを含む、こと、
をさらに含む、請求項15に記載の方法。
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