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1. WO2002041120 - AUTOMATED ONLINE SALES RISK MANAGEMENT SYSTEM

Publication Number WO/2002/041120
Publication Date 23.05.2002
International Application No. PCT/US2001/051200
International Filing Date 13.11.2001
Chapter 2 Demand Filed 13.06.2002
IPC
G07G 1/12 2006.01
GPHYSICS
07CHECKING-DEVICES
GREGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
1Cash registers
12electronically operated
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/381
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
381Currency conversion
G06Q 20/4016
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
401Transaction verification
4016involving fraud or risk level assessment in transaction processing
G06Q 40/08
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
08Insurance, e.g. risk analysis or pensions
Applicants
  • GOLDMAN, SACHS & CO. [US]/[US]
Inventors
  • GREENER, Sharon
  • HIGGINS, Mark
  • ANAGNOSTOPOULOS, Effie, Konstantine
  • YOUNG, Paul
  • ROTHMAN, Daniel, J.
  • GODFREY, John
  • GUNEWARDENA, Mel
Agents
  • KINCART, Joseph, P.
Priority Data
09/714,31516.11.2000US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) AUTOMATED ONLINE SALES RISK MANAGEMENT SYSTEM
(FR) SYSTEME AUTOMATISE DE GESTION DE RISQUES DE VENTES EN LIGNE
Abstract
(EN)
The present invention contemplates a risk management system (113) for facilitating an e-commerce transaction wherein the participants to the transaction engage in commerce using different currencies. An automated sale risk management system facilitates a transaction (111) by providing a price of a transaction which incorporates aggregated costs related to the transaction into a price made available to the participants. A currency management system can receive an amount relating to a deliverable involded in a transaction and determines an aggregated cost of the transaction. Aggregated cost can include a cost of credit, a cost for exchange of currency, a cost of insurance, processing fees, or other associated costs. Insurance can be monitored and a determination can be made regarding whether a participant has adequate insurance to cover a proposed transaction. The present invention also provides for risk associated with online transactions to be categorized and transferred.
(FR)
L'invention concerne un système de gestion de risques permettant de faciliter les transactions de commerce électronique au cours desquelles les parties à la transaction commercent en utilisant différentes devises. Un système automatisé de gestion de risques de ventes facilite une transaction en établissant un prix d'une transaction qui englobe, dans un prix rendu disponible aux parties, les coûts totaux liés à la transaction. Un système de gestion de risque monétaire peut recevoir un montant d'un produit faisant l'objet d'une transaction et déterminer un coût total de la transaction. Un coût total peut inclure un coût lié au crédit, à la conversion d'une devise, à l'assurance, aux frais de traitement, ou autres types de coûts. Il est possible de vérifier l'assurance et de déterminer si une partie liée à la transaction possède une assurance appropriée permettant de couvrir une éventuelle transaction. L'invention concerne aussi les risques liés aux transactions en ligne à classer et à transférer.
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