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1. (WO2018022116) SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT PROCESSING BASED ON TYPED GRAPH OF PAYMENT LIFECYCLE
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Pub. No.: WO/2018/022116 International Application No.: PCT/US2016/046814
Publication Date: 01.02.2018 International Filing Date: 12.08.2016
IPC:
G06Q 20/38 (2012.01) ,G06Q 40/02 (2012.01) ,G06F 9/44 (2006.01)
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
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
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
9
Arrangements for programme control, e.g. control unit
06
using stored programme, i.e. using internal store of processing equipment to receive and retain programme
44
Arrangements for executing specific programmes
Applicants:
WEPAY, INC. [US/US]; 350 Convention Way Redwood City, California 94063, US
Inventors:
NG, Raymond; US
Agent:
XUE, David T.; US
Priority Data:
62/367,59627.07.2016US
Title (EN) SYSTEMS AND METHODS FOR ELECTRONIC PAYMENT PROCESSING BASED ON TYPED GRAPH OF PAYMENT LIFECYCLE
(FR) SYSTÈMES ET PROCÉDÉS DE TRAITEMENT DE PAIEMENT ÉLECTRONIQUE BASÉS SUR UN CYCLE DE VIE DE GRAPHES DE PAIEMENT TYPÉS
Abstract:
(EN) A approach is proposed to support typed payment graph-based electronic payment processing. First, schemas for one or more typed payment graphs used for a plurality types of electronic payment processing are defined declaratively. Upon receiving an electronic payment request from a client, a payment processing engine retrieves a schema of a typed payment graph corresponding to the request and processes the electronic payment by traversing states and edges in an instance created from the schema of the typed payment graph. The electronic payment only transitions from one state to another if a valid edge exists between them and a precondition on the edge is met by the processing results of the electronic payment at the state. While processing the electronic payment, the payment processing engine automatically generates an audit trail for the electronic payment based on its states and transitions for real time recovery and/or analysis.
(FR) L'invention propose une approche visant à prendre en charge le traitement de paiement électronique basé sur des graphes de paiement typés. En premier lieu, des schémas pour un ou plusieurs graphes de paiement typés utilisés pour une pluralité de types de traitement de paiement électronique sont définis de façon déclarative. À réception d'une demande de paiement électronique provenant d'un client, un moteur de traitement de paiement récupère un schéma d'un graphe de paiement typé correspondant à la demande et traite le paiement électronique en parcourant des états et des arcs dans une instance créée à partir du schéma du graphe de paiement typé. Le paiement électronique ne passe d'un état à un autre que s'il existe un arc valide entre ceux-ci et si une condition préalable sur l'arc est remplie par les résultats de traitement du paiement électronique au niveau de l'état. Lors du traitement du paiement électronique, le moteur de traitement de paiement génère automatiquement une trace d'audit pour le paiement électronique d'après ses états et transitions en vue d'une récupération en temps réel et/ou d'une analyse.
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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 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)