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1. (WO2018037259) IMPLEMENTING SECURE TRANSACTION MANAGEMENT UTILIZING TOKENIZED SENSITIVE INFORMATION IN AN OBJECT-ORIENTED TRANSACTIONAL FRAMEWORK HAVING HIERARCHICALLY ASSEMBLABLE AND SELECTABLE MENU ITEMS
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2018/037259 International Application No.: PCT/IB2016/055010
Publication Date: 01.03.2018 International Filing Date: 22.08.2016
IPC:
G06Q 40/02 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/40 (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
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
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
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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
Applicants:
METROPOLITAN BANK AND TRUST COMPANY [PH/PH]; Metrobank Plaza, Sen. Gil J. Puyat Avenue 1200 Makati City, PH
Inventors:
ZAMORA, Anthony Albert; PH
Agent:
PUNO AND PUNO LAW OFFICES; 12th Floor East Tower, Philippine Stock Exchange Center Exchange Road, Ortigas Center 1605 Pasig City, PH
Priority Data:
Title (EN) IMPLEMENTING SECURE TRANSACTION MANAGEMENT UTILIZING TOKENIZED SENSITIVE INFORMATION IN AN OBJECT-ORIENTED TRANSACTIONAL FRAMEWORK HAVING HIERARCHICALLY ASSEMBLABLE AND SELECTABLE MENU ITEMS
(FR) MISE EN OEUVRE DE GESTION DE TRANSACTION SÉCURISÉE AU MOYEN D'INFORMATIONS SENSIBLES À JETON DANS UN CADRE TRANSACTIONNEL ORIENTÉ OBJET COMPRENANT DES ÉLÉMENTS DE MENU POUVANT ÊTRE SÉLECTIONNÉS ET ASSEMBLÉS HIÉRARCHIQUEMENT
Abstract:
(EN) An aspect of the invention is directed to a computer-implemented method of implementing secure transaction management in an object-oriented transactional framework having sequentially assembled menu items and holding a user account upon which a transaction can be conducted and with which a user account object contained in the sequentially assembled menu items is associated. The method may be performed by an application server computer system. The method includes performing an aliasing operation on sensitive information associated with the user account to produce tokenized sensitive information and, consequently, associating the tokenized sensitive information with the user account. A transaction request from a client application running on a client computer and connected to the application server computer system may be authorized based at least in part on the tokenized sensitive information.
(FR) Un aspect de l'invention concerne un procédé mis en oeuvre par ordinateur, destiné à mettre en oeuvre une gestion de transaction sécurisée dans un cadre transactionnel orienté objet comprenant des éléments de menu assemblés séquentiellement, et à tenir un compte utilisateur sur lequel peut être réalisée une transaction et auquel est associé un objet de compte utilisateur contenu dans les éléments de menu assemblés séquentiellement. Le procédé selon l'invention peut être mis en oeuvre par un système informatique de serveur d'applications. Ce procédé consiste à réaliser une opération de repliement sur des informations sensibles associées au compte utilisateur afin de produire des informations sensibles à jeton et, ainsi, à associer les informations sensibles à jeton au compte utilisateur. Une demande de transaction provenant d'une application client exécutée sur un ordinateur client et connectée au système informatique de serveur d'applications peut être autorisée en fonction, au moins partiellement, des informations sensibles à jeton.
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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)