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1. WO2012097108 - UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS

Publication Number WO/2012/097108
Publication Date 19.07.2012
International Application No. PCT/US2012/021000
International Filing Date 11.01.2012
IPC
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 20/381
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 20/384
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
384using social networks
G06Q 40/00
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
Applicants
  • VISA INTERNATIONAL SERVICE ASSOCIATION [US]/[US] (AllExceptUS)
  • SALMON, Diane [US]/[US] (UsOnly)
  • FRENCH, Susan [US]/[US] (UsOnly)
  • GRAHAM, Victoria [US]/[US] (UsOnly)
  • BHARGAVA, Amit [IN]/[US] (UsOnly)
  • JHA, Shipra [IN]/[US] (UsOnly)
  • CARLSON, Mark [US]/[US] (UsOnly)
  • KATZIN, Edward, N. [US]/[US] (UsOnly)
  • HUA, Julian [US]/[US] (UsOnly)
Inventors
  • SALMON, Diane
  • FRENCH, Susan
  • GRAHAM, Victoria
  • BHARGAVA, Amit
  • JHA, Shipra
  • CARLSON, Mark
  • KATZIN, Edward, N.
  • HUA, Julian
Agents
  • HANCHUK, Walter
Priority Data
61/431,77511.01.2011US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS
(FR) APPAREILS, PROCÉDÉS ET SYSTÈMES D'ÉCHANGE DE VALEURS UNIVERSELLES
Abstract
(EN)
[00230] The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS ("UVE") transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.
(FR)
L'invention concerne des appareils, procédés et systèmes d'échange de valeurs universelles (« UVE ») transformant des instructions de change inter-écosystème par le biais de composants UVE en opérations de change inter-écosystème. Dans un mode de réalisation, l'UVE peut obtenir une instruction de change inter-écosystème et déterminer une ou plusieurs sources et destinations d'après l'analyse des instructions de change inter-écosystème. L'UVE peut identifier des types de devise associés aux sources et destinations et déterminer les taux de change des types de devise par rapport à une devise standard. Dans un mode de réalisation, l'UVE peut obtenir les restrictions et conditions de change associées aux sources et destinations et générer un chemin de flux de change pour transférer les devises depuis les sources vers les destinations. L'UVE peut également émettre des demandes de transfert de devises vers les sources et les destinations, déterminer que l'opération de change inter-écosystème est terminée et fournir une notification de fin de l'opération de change inter-écosystème.
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