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1. (WO2010074962) TECHNIQUE FOR PERFORMING FINANCIAL TRANSACTIONS OVER A NETWORK
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2010/074962 International Application No.: PCT/US2009/067177
Publication Date: 01.07.2010 International Filing Date: 08.12.2009
IPC:
G06Q 40/00 (2006.01) ,G06Q 20/00 (2006.01) ,H04L 9/00 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA 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
20
Payment architectures, schemes or protocols
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
Applicants:
INTUIT INC. [US/US]; 2700 Coast Avenue Mountain View, California 94043, US (AllExceptUS)
SLATER, Richard L. [US/US]; US (UsOnly)
Inventors:
SLATER, Richard L.; US
Agent:
YAO, Shun; Park, Vaughan & Fleming LLP 2820 Fifth Street Davis, California 95618-7759, US
Priority Data:
12/343,61824.12.2008US
Title (EN) TECHNIQUE FOR PERFORMING FINANCIAL TRANSACTIONS OVER A NETWORK
(FR) TECHNIQUE PERMETTANT D'EFFECTUER DES TRANSACTIONS FINANCIÈRES SUR UN RÉSEAU
Abstract:
(EN) Embodiments of a system (such as a computer system), a method, and a computer-program product (e.g., software) for use with the computer system are described. These embodiments may be used to perform financial transactions over a network. In particular, the system allows customers to use personal PIN pads when conducting financial transactions (such as debit-card transactions) with multiple merchants and their associated acquirer processors (which assist the merchants in processing financial transactions), even though different groups of merchants and acquirer processors may use different encryption techniques. For a given financial transaction, this capability may be implemented by decrypting financial information associated with a personal PIN pad from a customer and re-encrypting it using a separate encryption technique of a merchant and the associated acquirer processor.
(FR) L'invention concerne un système (tel qu'un système informatique), un procédé et un produit programme d'ordinateur (un logiciel, par exemple) destiné à être utilisé avec ledit système informatique. Les modes de réalisation de l'invention peuvent servir à effectuer des transactions financières sur un réseau. En particulier, le système permet à des clients d'utiliser des claviers d'identification personnelle lorsqu'ils réalisent des transactions financières (telles que des transactions par carte de débit) avec plusieurs marchands et leurs processeurs d'acquisition associés (qui aident les marchands à traiter les transactions financières), bien qu'il soit possible que différents groupes de marchands et de processeurs d'acquisition utilisent des techniques de cryptage différentes. Pour une transaction financière donnée, cette capacité peut être mise en œuvre par le décryptage d'informations financières associées à un clavier d'identification personnelle provenant d'un client, suivi d'un nouveau cryptage au moyen d'une technique de cryptage différente correspondant à un marchand et au processeur d'acquisition associé.
front page image
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PE, PG, PH, PL, PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP2368223CN102301389CA2747920CN105260883IN2481/KOLNP/2011