公开(公告)号：WO2012137218A1

公开(公告)日：2012-10-11

申请号：PCT/IN2011/000892

申请日：2011-12-26

Applicant: INFOSYS LIMITED ,  RAJASEKARAN, Kaniyanoor Seshadri

Inventor： RAJASEKARAN, Kaniyanoor Seshadri

IPC: G06Q40/02

CPC classification number: G06Q40/025 ,  G06Q40/02

Abstract: A system and a computer implemented method for granting a temporary overdraft automatically are described. In an example embodiment, one or more parameters are associated with a bank account and stored in a computer readable storage medium, the storage medium in operable communication with a processor. On receiving a payment request, the one or more parameters are retrieved and a temporary overdraft is granted to the bank account, wherein an interest rate associated with the temporary overdraft is determined on the basis of the one or more parameters. Further aspects of the system and method described include the linkage of collateral to the bank account, whereby a maximum credit limit for an associated secured temporary overdraft is determined. In an additional aspect, an unsecured temporary overdraft is authorized, contingent on the present value of linked collateral.

Abstract translation: 描述用于自动授予临时透支的系统和计算机实现的方法。 在示例实施例中，一个或多个参数与银行帐户相关联并且存储在计算机可读存储介质中，该存储介质可与处理器可操作地通信。 在接收到付款请求时，检索一个或多个参数，并且向该银行帐户授予临时透支，其中基于所述一个或多个参数确定与所述临时透支相关联的利率。 所述系统和方法的进一步方面包括将抵押品与银行账户的联系，从而确定相关的确保的临时透支的最大信用额度。 另一方面，根据现有的连带抵押品价值，授权无抵押的临时透支。

公开(公告)号：WO2013140414A1

公开(公告)日：2013-09-26

申请号：PCT/IN2012/000194

申请日：2012-03-23

Applicant: INFOSYS LIMITED ,  CHHAHIRA, Puneet ,  ROY, Abhra ,  CHINNUSAMY, Pradeep Shankar ,  SHEKHAR, Shekhar ,  ASHRA, Hardik

Inventor： CHHAHIRA, Puneet ,  ROY, Abhra ,  CHINNUSAMY, Pradeep Shankar ,  SHEKHAR, Shekhar ,  ASHRA, Hardik

IPC: G06Q40/00

CPC classification number: G06Q40/06 ,  G06Q10/109 ,  G06Q10/1097

Abstract: Post creation of debt products, if holidays are announced and calendars are accordingly modified, a manual update is done across all the products if any of current dates falls on the new holiday dates. Thus, while it might be relatively easy during a creation of debt instrument to verify that the proposed or the actual dates scheduled on the calendar is not concurrent with the holiday data set, it can be both, difficult and time-consuming to ensure that an unexpected holiday is accounted for and adapted in the associated calendar. Accordingly, systems and methods are disclosed for automatically managing the impacted dates of debt products upon the occurrence of unexpected holiday(s).

Abstract translation: 发布债务产品后，如果宣布假日并且相应修改日历，则如果目前的任何日期属于新的假日日期，则在所有产品上进行手动更新。 因此，虽然在创建债务工具时可能相对容易，以确认在日程表上计划的拟议或实际日期与假日数据集不一致，但确保一个 意想不到的假期在相关日历中进行了调整。 因此，披露了系统和方法，用于在意外假期发生时自动管理债务产品的受影响日期。

公开(公告)号：WO2012131420A1

公开(公告)日：2012-10-04

申请号：PCT/IB2011/002688

申请日：2011-09-09

Applicant: INFOSYS LIMITED ,  KUMARA, Praveena, Deviprasad ,  REDDY, Raghavendra Bangalore, Venkata

Inventor： KUMARA, Praveena, Deviprasad ,  REDDY, Raghavendra Bangalore, Venkata

IPC: G06F3/02

CPC classification number: G06F3/04886

Abstract: A system and method of providing a dynamic virtual keyboard having a QWERTY or randomized layout that is displayed on a user interface to allow a user to input authentication information into a selected field. A first character key and a second character key are exchanged from their respective actual positions to modified positions. Mapped information associated with the exchanged original and modified positions of the first and second character keys is stored in a memory. Selection by the user of at least the displayed first character key in the modified position by the user is detected and the stored mapped information is retrieved from the memory of the first character key, wherein the first character key is translated to the second character key based on the retrieved mapped information. An authentication array including the second character key is sent to a server to authenticate the user.

Abstract translation: 一种提供具有QWERTY或随机化布局的动态虚拟键盘的系统和方法，其显示在用户界面上，以允许用户将认证信息输入到所选择的字段中。 将第一字符键和第二字符键从它们各自的实际位置交换到修改位置。 与交换的第一和第二字符键的原始和修改位置相关联的映射信息被存储在存储器中。 检测由用户至少显示的第一字符键在用户的修改位置中的选择，并且从第一字符键的存储器检索存储的映射信息，其中第一字符键被转换为基于第二字符键的 对检索到的映射信息。 将包括第二字符密钥的认证阵列发送到服务器以认证用户。

公开(公告)号：WO2012107933A1

公开(公告)日：2012-08-16

申请号：PCT/IN2011/000890

申请日：2011-12-26

Applicant: INFOSYS LIMITED ,  VALLIUR RAMASUBRAMANIAN, Vasudevan ,  MANGIPUDI, Haragopal ,  SRIPATHI, Balamukund ,  CHERIAN, Anu

Inventor： VALLIUR RAMASUBRAMANIAN, Vasudevan ,  MANGIPUDI, Haragopal ,  SRIPATHI, Balamukund ,  CHERIAN, Anu

IPC: G06Q10/00 ,  G06Q50/00 ,  G06Q90/00

CPC classification number: G06Q10/06

Abstract: The present invention provides a method, system, and computer program product for managing the overall risk associated with any aspect in an organization. The method enables defining the focus areas associated with each context, and the change management dashboard attributes for each focus area of the context, risk profiling of at least one entity of one or more entities associated with each context, registering each profiled risk associated with the at least one entity, administering each registered risk associated with the at least one entity, and determining a risk score associated with the at least one entity. Further, an integrated visual management dashboard is generated for focusing management's attention on the right set of entities and patterns on a continuous basis, for managing the overall risks and actions associated with each context of the organization. The one or more entities include software applications, programs, strategic initiatives, operational interests, financial interests, legal interests or business interests. Further, managing also includes continuous learning from the experience of the periodic implementation of the framework in every period, and applying the learning for a better framework and risk management for the organization.

Abstract translation: 本发明提供了一种用于管理与组织中的任何方面相关联的总体风险的方法，系统和计算机程序产品。 该方法允许定义与每个上下文相关联的焦点区域，以及上下文的每个焦点区域的变化管理仪表板属性，与每个上下文相关联的一个或多个实体的至少一个实体的风险分析，登记与 至少一个实体，管理与所述至少一个实体相关联的每个注册风险，以及确定与所述至少一个实体相关联的风险评分。 此外，生成一个集成的视觉管理仪表板，用于将管理层的注意力持续集中在正确的实体和模式集上，用于管理与组织的每个环境相关联的整体风险和行动。 一个或多个实体包括软件应用程序，程序，战略举措，操作兴趣，财务利益，合法利益或商业利益。 此外，管理还包括从每个时期的框架的定期实施的经验中不断学习，并为组织应用更好的框架和风险管理的学习。

公开(公告)号：WO2015102009A1

公开(公告)日：2015-07-09

申请号：PCT/IN2014/000010

申请日：2014-01-06

Applicant: INFOSYS LIMITED

Inventor： POLAKI, Deepak Venkata Sai ,  DAS, Nabendu ,  MUTHUKRISHNAN, Raghavan ,  KUMARESAN, Vinod Kumar

IPC: G06Q40/00

CPC classification number: G06Q40/02

Abstract: The invention relates to a system and method for money transfer between inter entity accounts on a liquidity management structure. The invention involves linking the plurality of inter entity accounts to the liquidity management structure and fetching the account balance information of the plurality of inter entity accounts. The invention further involves transferring money between the plurality of inter entity accounts to achieve and maintain the target balance for the inter entity accounts.

Abstract translation: 本发明涉及在流动性管理结构上的实体间账户之间的汇款系统和方法。 本发明涉及将多个实体间账户与流动性管理结构相连并取出多个实体间账户的账户余额信息。 本发明还涉及在多个实体间账户之间转移货币以实现和维持该实体间账户的目标余额。

公开(公告)号：WO2014016844A1

公开(公告)日：2014-01-30

申请号：PCT/IN2012/000516

申请日：2012-07-24

Applicant: INFOSYS LIMITED ,  HOSHING, Deepak ,  AGARWAL, Manoj Kumar ,  PATI, Debasis ,  KUMAR, Krishna

Inventor： HOSHING, Deepak ,  AGARWAL, Manoj Kumar ,  PATI, Debasis ,  KUMAR, Krishna

IPC: G06Q20/00 ,  H04L9/32

CPC classification number: G06Q20/3226 ,  G06Q20/065 ,  G06Q20/0655 ,  G06Q20/3278 ,  G06Q20/3829 ,  H04L9/3263 ,  H04L2209/04 ,  H04L2209/805

Abstract: The present invention relates to. a computer-implemented method, system and computer readable medium method executed by one or more computing devices for providing a near field secure electronic token transaction. The method comprises the steps of generating at least one packet data structure defined as a coin by at least one generator, storing the at least one coin in at least one mobile vault, controlling the at least one coin through a coin distribution authority and transferring the coin to at least one consumer.

Abstract translation: 本发明涉及。 由一个或多个计算设备执行的用于提供近场安全电子令牌交易的计算机实现的方法，系统和计算机可读介质方法。 该方法包括以下步骤：通过至少一个发生器产生被定义为硬币的至少一个分组数据结构，将至少一个硬币存储在至少一个移动存储库中，通过硬币分发机构控制至少一个硬币，并将 至少有一个消费者的硬币。

公开(公告)号：WO2013140415A1

公开(公告)日：2013-09-26

申请号：PCT/IN2012/000195

申请日：2012-03-23

Applicant: INFOSYS LIMITED ,  MAIYA, Rajashekara, V. ,  KUNJUMPIDUKKAL, Sachindran ,  VISWANATH, Manjunath Dindukurthi ,  VENKATARAMAN, Krishnaprasad

Inventor： MAIYA, Rajashekara, V. ,  KUNJUMPIDUKKAL, Sachindran ,  VISWANATH, Manjunath Dindukurthi ,  VENKATARAMAN, Krishnaprasad

IPC: G06Q10/06 ,  G06Q40/02

CPC classification number: G06Q10/06 ,  G06Q10/103 ,  G06Q40/00

Abstract: Disclosed herein is a system for managing exceptions raised during a financial or non-financial transaction in a financial institution. The method includes the steps of referring such transactions to a plurality of designated authorizers, based on an associated authority matrix. The system can be used to set up controls within a financial institution and to implement automated escalation mechanisms.

Abstract translation: 本文所披露的是管理在金融机构的金融或非金融交易中提出的例外情况的系统。 该方法包括基于相关联的权限矩阵将这种事务引用到多个指定授权者的步骤。 该系统可用于在金融机构内设置控制，并实施自动升级机制。

公开(公告)号：WO2013038419A1

公开(公告)日：2013-03-21

申请号：PCT/IN2011/000634

申请日：2011-09-14

Applicant: INFOSYS LIMITED ,  KAMATH, Pramod, Krishna ,  KUNJUMPIDUKKAL, Sachindran ,  MATAI, Puneet ,  JADHAV, Ashutosh

Inventor： KAMATH, Pramod, Krishna ,  KUNJUMPIDUKKAL, Sachindran ,  MATAI, Puneet ,  JADHAV, Ashutosh

IPC: G06F17/30 ,  G06F19/28

CPC classification number: G06F17/30368

Abstract: Computer-implemented systems, methods, and computer-readable media for incremental downloads include: receiving a download specification file identifying a plurality of fields in a plurality of tables of a change data dataset to download, a relationship between the plurality of tables, and parameters for a download file; extracting the change data identified in the download specification file from the plurality of tables in the change data dataset to an intermediate table; storing the plurality of fields from the plurality of tables in the intermediate table; and generating a download file including the change data identified in the download specification file formatted and sequenced according to the set of parameters for the download file.

Abstract translation: 用于增量下载的计算机实现的系统，方法和计算机可读介质包括：接收下载规范文件，该文件标识要下载的改变数据数据集的多个表中的多个字段，多个表之间的关系和参数 下载文件; 将所述下载规范文件中识别的所述更改数据从所述更改数据数据集中的所述多个表中提取到中间表; 将来自所述多个表的所述多个字段存储在所述中间表中; 以及生成下载文件，该下载文件包括根据用于下载文件的参数集的格式化和排序的下载规范文件中识别的更改数据。

公开(公告)号：WO2013038416A1

公开(公告)日：2013-03-21

申请号：PCT/IN2011/000631

申请日：2011-09-14

Applicant: INFOSYS LIMITED ,  KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

Inventor： KANNAMBADI SUBBAKRISHNA RAMSESH, Kiran ,  BANDYOPADHYAY, Gautam

IPC: G06Q20/20 ,  G06Q20/32 ,  H04B7/26 ,  H04B11/00

CPC classification number: G06Q20/20 ,  G06Q20/18 ,  G06Q20/3272 ,  H04B11/00

Abstract: The present invention provides a method and system for transmitting a transaction identifier from a handheld communication device to an Electronic Data Capture (EDC) Device. The transaction identifier is encoded into audio frequency tones and emitted by a handheld communication device. The audio frequency tones are received by an Electronic Data Capture (EDC) device present at a merchant location. Further, the audio frequency tones are decoded at the EDC device and the transaction identifier is retrieved for further processing of the proximity payment transaction.

Abstract translation: 本发明提供一种用于将交易标识符从手持通信设备发送到电子数据捕获（EDC）设备的方法和系统。 交易标识符被编码成音频音调并由手持通信设备发出。 音频音调由存在于商家位置的电子数据采集（EDC）装置接收。 此外，在EDC设备处解码音频音调，并检索交易标识符用于进一步处理接近支付交易。

公开(公告)号：WO2012137217A1

公开(公告)日：2012-10-11

申请号：PCT/IN2011/000891

申请日：2011-12-26

Applicant: INFOSYS LIMITED ,  RAJASEKARAN, Kaniyanoor, Seshadri

Inventor： RAJASEKARAN, Kaniyanoor, Seshadri

IPC: G06Q40/02 ,  G06F17/30

CPC classification number: G06F17/30339 ,  G06Q40/02

Abstract: A system and method for generating an account number are described. In an example embodiment, the creation of a first table and a first field, capable of receiving alphanumeric characters, is disclosed. An alphanumeric input is received and recorded in the first field, and a sequence number associated with the input so received is recorded. In a further aspect of the present invention, a second table is created, and an account number key stored therein. An account number may then be generated in accordance with the key. In an additional aspect, an alphanumeric field may be created specifically to aid in the application of a check digit methodology

Abstract translation: 描述用于生成帐号的系统和方法。 在示例性实施例中，公开了能够接收字母数字字符的第一表和第一字段的创建。 在第一场中接收并记录字母数字输入，并且记录与如此接收的输入相关联的序列号。 在本发明的另一方面，创建第二表，存储其中的帐号密钥。 然后可以根据密钥生成帐号。 在另一方面，可以专门创建字母数字字段以帮助应用校验数字方法