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1. WO2016138606 - SECURE ACCOUNT MANAGEMENT USING TOKENS

Publication Number WO/2016/138606
Publication Date 09.09.2016
International Application No. PCT/CN2015/000627
International Filing Date 02.09.2015
IPC
G06Q 30/00 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
30Commerce, e.g. shopping or e-commerce
CPC
G06Q 20/027
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
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
027involving a payment switch or gateway
G06Q 20/10
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
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/1235
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
08Payment architectures
12specially adapted for electronic shopping systems
123Shopping for digital content
1235with control of digital rights management [DRM]
G06Q 20/34
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
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/367
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
36using electronic wallets or electronic money safes
367involving electronic purses or money safes
G06Q 20/3672
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
36using electronic wallets or electronic money safes
367involving electronic purses or money safes
3672initialising or reloading thereof
Applicants
  • SHANGHAI LULUYOU INFORMATION TECHNOLOGY CO. LTD [CN]/[CN]
Inventors
  • CHEN, Rong
Agents
  • FORIDOM IP LAW FIRM
Priority Data
201510093393.X02.03.2015CN
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SECURE ACCOUNT MANAGEMENT USING TOKENS
(FR) GESTION DE COMPTE SÉCURISÉE UTILISANT DES JETONS
Abstract
(EN)
Managing a user account includes: accessing the user account having a stored value, wherein the stored value is tokenized into a plurality of tokens corresponding to a set of available token units, and at least one of the plurality of tokens has a corresponding identifier; and in response to an account output request that includes a requested amount to be output: determining an output unit combination comprising a set of one or more tokens that has a sum that meets or exceeds the requested amount; determining whether a set of one or more output constraints is met; and in response to the determination that the set of one or more output constraints is met: outputting the set of one or more tokens associated with the output unit combination; and updating status information associated with the user account.
(FR)
Selon l'invention, la gestion d'un compte utilisateur comprend les étapes suivantes : accéder au compte utilisateur contenant une valeur stockée, où la valeur stockée est marquée dans une pluralité de jetons correspondant à un ensemble d'unités de jeton disponibles, et au moins un jeton de la pluralité de jetons a un identifiant correspondant ; et en réponse à une demande de sortie de compte qui comprend une quantité demandée devant être fournie en sortie : déterminer une combinaison d'unités de sortie comprenant un ensemble d'un ou de plusieurs jetons qui a une somme qui atteint ou dépasse la quantité demandée ; déterminer si un ensemble d'une ou de plusieurs contraintes de sortie est respecté ; et en réponse à la détermination que l'ensemble d'une ou de plusieurs contraintes de sortie est respecté : fournir en sortie l'ensemble d'un ou de plusieurs jetons associés à la combinaison d'unités de sortie ; et mettre à jour des informations d'état associées au compte utilisateur.
Latest bibliographic data on file with the International Bureau