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1. WO2011112752 - ELECTRONIC TRANSACTION TECHNIQUES IMPLEMENTED OVER A COMPUTER NETWORK

Publication Number WO/2011/112752
Publication Date 15.09.2011
International Application No. PCT/US2011/027793
International Filing Date 09.03.2011
IPC
G06Q 20/32 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/40 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
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 of credit lines or negative lists
CPC
G06Q 20/32
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
30characterised by the use of specific devices ; or networks
32using wireless devices
G06Q 20/4014
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
4014Identity check for transactions
Applicants
  • DIAZ ARCEO, Alejandro [CA]/[US]
Inventors
  • DIAZ ARCEO, Alejandro
Agents
  • BEDI, Harmohinder
Priority Data
61/312,17909.03.2010US
61/443,25316.02.2011US
61/447,69628.02.2011US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) ELECTRONIC TRANSACTION TECHNIQUES IMPLEMENTED OVER A COMPUTER NETWORK
(FR) TECHNIQUES DE TRANSACTION ÉLECTRONIQUE MISES EN ŒUVRE SUR UN RÉSEAU INFORMATIQUE
Abstract
(EN)
Various techniques are disclosed herein for enabling and facilitating identification management and identity verification transactions conducted over computer networks. Some aspects disclosed herein are directed to secure techniques for enabling and facilitating electronic commerce and financial transactions conducted via one or more mobile devices. Other aspects disclosed herein are directed to secure techniques for enabling and facilitating identity verification and authentication transactions to be successfully and reliably performed via communications with a user's mobile device. Yet other aspects disclosed herein are directed to techniques for enabling users to use their mobile device as a universal shopping cart. Yet other aspects disclosed herein are directed to electro-mechanical locking mechanisms which may be securely control via interactions with a user's mobile device.
(FR)
L'invention porte sur différentes techniques pour permettre et faciliter des transactions de gestion d'identification et de vérification d'identité conduites sur des réseaux informatiques. Certains aspects décrits présentement portent sur des techniques sécurisées pour permettre et faciliter des transactions de commerce électronique et financières conduites par l'intermédiaire d'un ou plusieurs dispositifs mobiles. D'autres aspects décrits présentement portent sur des techniques sécurisées pour permettre et faciliter des transactions de vérification d'identité et d'authentification afin qu'elles soient réalisées avec succès et de manière fiable par l'intermédiaire de communications avec le dispositif mobile d'un utilisateur. Encore d'autres aspects décrits présentement portent sur des techniques pour permettre à des utilisateurs d'utiliser leur dispositif mobile en tant que panier d'achat universel. Encore d'autres aspects décrits présentement portent sur des mécanismes de verrouillage électromécanique qui peuvent être commandés de manière sécurisée par l'intermédiaire d'interactions avec le dispositif mobile d'un utilisateur.
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