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1. WO2020094874 - METHOD AND SYSTEM FOR IMPLEMENTING A CONDITIONAL PAYMENT TRANSACTION

Publication Number WO/2020/094874
Publication Date 14.05.2020
International Application No. PCT/EP2019/080760
International Filing Date 08.11.2019
IPC
G06Q 20/02 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
20Payment architectures, schemes or protocols
02involving a neutral third party, e.g. certification authority, notary or trusted third party
G06Q 20/06 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
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/22 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
20Payment architectures, schemes or protocols
22Payment schemes or models
G06Q 20/38 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 20/36 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
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 20/065
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
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
065using e-cash
G06Q 20/223
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
22Payment schemes or models
223based on the use of peer-to-peer networks
G06Q 20/36
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
36using electronic wallets or electronic money safes
G06Q 20/389
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
38Payment protocols; Details thereof
389Keeping log of transactions for guaranteeing non-repudiation of a transaction
Applicants
  • EQUENSWORLDLINE BELGIUM [BE]/[BE]
Inventors
  • SAUER, Jonathan
  • MAES, Johan
Agents
  • NOVAGRAAF TECHNOLOGIES
Priority Data
18205518.609.11.2018EP
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) METHOD AND SYSTEM FOR IMPLEMENTING A CONDITIONAL PAYMENT TRANSACTION
(FR) PROCÉDÉ ET SYSTÈME DE MISE EN ŒUVRE DE TRANSACTION DE PAIEMENT CONDITIONNELLE
Abstract
(EN)
A payment platform (SPE) is configured to execute at least one control software component (SPC1, SPC2) that implements a business logic underlying a business transaction, wherein the business transaction includes a payment transaction implemented by a payment infrastructure (PAI1, PAI2). A payment gateway (PGW) is configured to execute at least one payment control function to provide to the one or more control software components (SPC1, SPC2) a control over a payment transaction. The payment infrastructure (PAI1, PAI2) is further configured to start an execution of a payment transaction, to interrupt (730) the execution of said payment transaction at a predefined transaction step and to wait for at least one trigger from the payment gateway (PGW) before resuming the execution of said payment transaction.
(FR)
L'invention concerne une plateforme de paiement (SPE) configurée pour exécuter au moins un composant logiciel de commande (SPC1, SPC2) qui met en œuvre une logique commerciale sous-jacente à une transaction commerciale, la transaction commerciale comprenant une transaction de paiement mise en œuvre par une infrastructure de paiement (PAI1, PAI2). Une passerelle de paiement (PGW) est configurée pour exécuter au moins une fonction de commande de paiement pour fournir au ou aux composants logiciels de commande (SPC1, SPC2) une commande sur une transaction de paiement. L'infrastructure de paiement (PAI1, PAI2) est en outre configurée pour démarrer une exécution d'une transaction de paiement, pour interrompre (730) l'exécution de ladite transaction de paiement à une étape de transaction prédéfinie et pour attendre au moins un déclencheur en provenance de la passerelle de paiement (PGW) avant de reprendre l'exécution de ladite transaction de paiement.
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