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1. WO2020142319 - DECENTRALIZED CUSTOMER-CONTROLLED CREDIT VERIFICATION

Publication Number WO/2020/142319
Publication Date 09.07.2020
International Application No. PCT/US2019/068382
International Filing Date 23.12.2019
IPC
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 20/40 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
40Authorisation, 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
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 20/223
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 ; or networks
36using electronic wallets or electronic money safes
G06Q 20/363
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
363with the personal data of a user
G06Q 20/38
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
G06Q 20/3821
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
382insuring higher security of transaction
3821Electronic credentials
G06Q 20/3829
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
382insuring higher security of transaction
3829involving key management
Applicants
  • FINICITY CORPORATION [US]/[US]
Inventors
  • SMITH, Steven B.
  • THOMAS, Nicholas A.
Agents
  • KRIEGER, Michael F.
Priority Data
16/723,53620.12.2019US
62/787,13831.12.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) DECENTRALIZED CUSTOMER-CONTROLLED CREDIT VERIFICATION
(FR) VÉRIFICATION DE CRÉDIT DÉCENTRALISÉE COMMANDÉE PAR UN CLIENT
Abstract
(EN)
Systems and methods for decentralized distribution of verifiable information, such as financial information, without requiring resort to centralized information system at the time of a query or other request for information. A decentralized method includes the steps of creating a digital wallet, issuing/receiving an issued verifiable digital credential signed by a credential issuer acting as a trust anchor for a claim contained in the verifiable digital credential, storing the verifiable digital credential within the digital wallet, receiving a request for verified information, and providing the verifiable digital credential, including the claim, from the digital wallet. The verification of information may occur as a zero-knowledge proof such that a required standard is verified as satisfied without disclosing more information about a consumer or other user than is absolutely necessary.
(FR)
La présente invention concerne des systèmes et des procédés de distribution décentralisée d'informations vérifiables, telles que des informations financières, sans nécessiter de recourir à un système d'informations centralisé au moment d'une interrogation ou d'une autre demande d'informations. Un procédé décentralisé comprend les étapes consistant à créer un portefeuille numérique, à émettre/recevoir un justificatif d'identité numérique vérifiable émis signé par un émetteur de justificatif d'identité servant d'ancrage de confiance pour une revendication contenue dans le justificatif d'identité numérique vérifiable, à stocker le justificatif d'identité numérique vérifiable dans le portefeuille numérique, à recevoir une requête pour des informations vérifiées, et à fournir le justificatif d'identité numérique vérifiable, comprenant la revendication, à partir du portefeuille numérique. La vérification d'informations peut se produire sous la forme d'une preuve à connaissance nulle, de telle sorte qu'une norme requise est vérifiée comme étant satisfaite sans divulguer plus d'informations concernant un consommateur ou un autre utilisateur que n'est absolument nécessaire.
Also published as
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