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1. (WO2014195320) METHODS AND APPARATUS FOR PERFORMING LOCAL TRANSACTIONS
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2014/195320 International Application No.: PCT/EP2014/061497
Publication Date: 11.12.2014 International Filing Date: 03.06.2014
IPC:
G06Q 20/40 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/32 (2012.01)
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
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, 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
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
38
Payment protocols; Details thereof
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
30
characterised by the use of specific devices
32
using wireless devices
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, New York 10577, US (AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BE, BF, BG, BH, BJ, BN, BR, BW, BY, BZ, CA, CF, CG, CH, CI, CL, CM, CN, CO, CR, CU, CY, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, FR, GA, GB, GD, GE, GH, GM, GN, GQ, GR, GT, GW, HN, HR, HU, ID, IE, IL, IN, IR, IS, IT, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LV, LY, MA, MC, MD, ME, MG, MK, ML, MN, MR, MW, MX, MY, MZ, NA, NE, NG, NI, NL, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SI, SK, SL, SM, SN, ST, SV, SY, SZ, TD, TG, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW)
MASTERCARD IRELAND LIMITED [IE/IE]; Mountainview Central Park Leopardstown Dublin, 18, IE (MT)
Inventors:
SMETS, Patrik; BE
CATELAND, Axel; BE
ROBERTS, Dave; GB
Agent:
LAWRENCE, Richard; GB
Priority Data:
1309880.103.06.2013GB
Title (EN) METHODS AND APPARATUS FOR PERFORMING LOCAL TRANSACTIONS
(FR) PROCÉDÉS ET APPAREIL PERMETTANT DE RÉALISER DES TRANSACTIONS LOCALES
Abstract:
(EN) A method of performing a transaction using a first computing device (1a) and a second computing device (1b) is described. A local data connection is established (31) between the first computing device and the second computing device. An amount to transfer is identified (32) at either the first computing device or the second computing device. A first account is identified (33) at the first computing device and a secound account at the second computing device. One or more credentials are provided (34) at the first computing device to authorise the transaction, and encrypted and authenticated transaction data is sent to a payer account provider for value transfer between the first account provider and a second account provider. Confirmation of the completed transaction is then provided (35) to the first computing device and the second computing device. Suitable computer program products and computing devices are provided. This method is particularly effective for providing local person to person value transfers in real time.
(FR) La présente invention concerne un procédé de réalisation d'une transaction à l'aide d'un premier dispositif informatique (1a) et d'un second dispositif informatique (1b). Une connexion de données locale est établie (31) entre le premier dispositif informatique et le second dispositif informatique. Un montant à transférer est identifié (32) soit au niveau du premier dispositif informatique, soit au niveau du second dispositif informatique. Un premier compte est identifié (33) au niveau du premier dispositif informatique, ainsi qu'un second compte, au niveau du second dispositif informatique. Un ou plusieurs justificatifs d'identité sont fournis (34) au niveau du premier dispositif informatique en vue d'autoriser la transaction, et des données de transaction chiffrées et authentifiées sont envoyées à un fournisseur de compte payeur pour un transfert de valeur entre le premier fournisseur de compte et un second fournisseur de compte. Une confirmation de l'achèvement de la transaction est ensuite fournie (35) au premier dispositif informatique et au second dispositif informatique. L'invention pourvoit également à des produits-programmes informatiques et à des dispositifs informatiques appropriés. Ce procédé est particulièrement efficace en vue d'assurer des transferts de valeur interpersonnels locaux en temps réel.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, 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, IR, IS, JP, KE, KG, 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, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, 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, LR, LS, MW, MZ, NA, RW, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, 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, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)