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1. (WO2015145430) INSTANT MESSAGING BASED FINANCIAL TRANSACTIONS
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2015/145430 International Application No.: PCT/IL2015/050302
Publication Date: 01.10.2015 International Filing Date: 23.03.2015
Chapter 2 Demand Filed: 14.01.2016
IPC:
G06Q 20/02 (2012.01) ,G06Q 40/02 (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
02
involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
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
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants:
MELZER, Roy S. [IL/IL]; IL
Inventors:
MELZER, Roy S.; IL
Agent:
EHRLICH, Gal; IL
Priority Data:
61/969,18923.03.2014US
62/053,24822.09.2014US
62/092,34416.12.2014US
Title (EN) INSTANT MESSAGING BASED FINANCIAL TRANSACTIONS
(FR) TRANSACTIONS FINANCIÈRES BASÉES SUR UNE MESSAGERIE INSTANTANÉE
Abstract:
(EN) A method of performing a financial transaction. The method comprises managing a computerized agent representing a transaction performing entity, the computerized agent being subscribed to an instant messaging (IM) service by a telephone number, the computerized agent is a participant of an instant messaging (IM) session managed by an IM service and initiated by a user which is also a participant of the IM session. The user participates in the IM session by inputting text content using an IM client module running on a client terminal. The method further includes analyzing the IM session to identify automatically instructions to perform a financial transaction from the user which uses the IM client module and automatically instructing an operation of the financial transaction.
(FR) L'invention concerne un procédé pour réaliser une transaction financière. Le procédé consiste à gérer un agent informatisé représentant une entité de réalisation de transaction, l'agent informatisé étant abonné à un service de messagerie instantanée (IM) par un numéro de téléphone, l'agent informatisé étant un participant d'une session de messagerie instantanée (IM) gérée par un service IM et initiée par un utilisateur qui est également un participant de la session IM. L'utilisateur participe à la session IM en entrant un contenu de texte à l'aide d'un module client IM s'exécutant sur un terminal client. Le procédé consiste en outre à analyser la session IM pour identifier automatiquement des instructions pour réaliser une transaction financière à partir de l'utilisateur qui utilise le module client IM et à ordonner automatiquement une opération de la transaction financière.
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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, 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, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (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)
Also published as:
IL247994