Some content of this application is unavailable at the moment.
If this situation persist, please contact us atFeedback&Contact
1. (WO2019050481) TRANSACTION SYSTEM ARCHITECTURE AND METHODS
Latest bibliographic data on file with the International Bureau    Submit observation

Pub. No.: WO/2019/050481 International Application No.: PCT/SG2018/050455
Publication Date: 14.03.2019 International Filing Date: 07.09.2018
IPC:
G06Q 20/36 (2012.01) ,G06Q 20/38 (2012.01) ,G06Q 20/02 (2012.01) ,G06Q 20/30 (2012.01) ,G06Q 30/06 (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
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
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
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
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
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
30
Commerce, e.g. shopping or e-commerce
06
Buying, selling or leasing transactions
Applicants:
MASTERCARD ASIA/PACIFIC PTE. LTD. [SG/SG]; 3 Fraser Street, Duo Tower #17-21/28, Singapore 189352, SG
Inventors:
DOSHI, Nishit; AE
DENIZ, Shane Lansley Jorge; AE
VALENTI, Matteo; AE
ASTHAANA, Pankaj; AE
Agent:
SPRUSON & FERGUSON (ASIA) PTE LTD; P.O. Box 1531, Robinson Road Post Office Singapore 903031, SG
Priority Data:
17189884.407.09.2017EP
Title (EN) TRANSACTION SYSTEM ARCHITECTURE AND METHODS
(FR) ARCHITECTURE ET PROCÉDÉS DE SYSTÈME DE TRANSACTION
Abstract:
(EN) A method of performing a transaction between a merchant and a customer is described. The method involves a customer computing device (11), a merchant computing device (12) and a payment facilitator computing system (19). Firstly, there is agreement upon a transaction between the customer computing device (11) and the merchant computing device (12), wherein a first one of said computing devices produces a code image representing elements of the transaction. Secondly, there is authentication of a user of a second one of said computing devices with the payment facilitator computing system using the second computing device. Thirdly, the code image is scanned at the second computing device and the elements of the transaction provided to the payment facilitator computing system. The payment facilitator computing system (19) subsequently initiates the transaction by using the elements of the transaction in the code image and the authentication of the user of the second computing device. A suitable payment facilitator computing system (19) is also described.
(FR) L’invention concerne un procédé d'exécution d'une transaction entre un commerçant et un client. Le procédé comprend un dispositif informatique client (11), un dispositif informatique commerçant (12) et un système informatique de facilitateur de paiement (19). Tout d'abord, il existe un accord lors d'une transaction entre le dispositif informatique client (11) et le dispositif informatique commerçant (12), un premier desdits dispositifs informatiques produisant une image de code représentant des éléments de la transaction. D'autre part, il y a une authentification d'un utilisateur d'un second desdits dispositifs informatiques avec le système informatique de facilitateur de paiement à l'aide du second dispositif informatique. Troisièmement, l'image de code est balayée au niveau du second dispositif informatique et les éléments de la transaction sont fournis au système informatique de facilitateur de paiement. Le système informatique de facilitateur de paiement (19) lance ensuite la transaction en utilisant les éléments de la transaction dans l'image de code et l'authentification de l'utilisateur du second dispositif informatique. L'invention concerne également un système informatique de facilitateur de paiement approprié.
front page image
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, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, 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)