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1. WO2022010596 - RAPID APPROVAL OF BLOCKCHAIN-BASED TRANSACTIONS

Publication Number WO/2022/010596
Publication Date 13.01.2022
International Application No. PCT/US2021/035472
International Filing Date 02.06.2021
IPC
G06Q 20/06 2012.1
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 20/38 2012.1
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
CPC
G06F 16/2379
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
16Information retrieval; Database structures therefor; File system structures therefor
20of structured data, e.g. relational data
23Updating
2379Updates performed during online database operations; commit processing
G06K 7/10722
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
7Methods or arrangements for sensing record carriers, ; e.g. for reading patterns;
10by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
10544by scanning of the records by radiation in the optical part of the electromagnetic spectrum
10712Fixed beam scanning
10722Photodetector array or CCD scanning
G06K 7/1413
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
7Methods or arrangements for sensing record carriers, ; e.g. for reading patterns;
10by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
14using light without selection of wavelength, e.g. sensing reflected white light
1404Methods for optical code recognition
1408the method being specifically adapted for the type of code
14131D bar codes
G06K 7/1417
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
7Methods or arrangements for sensing record carriers, ; e.g. for reading patterns;
10by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
14using light without selection of wavelength, e.g. sensing reflected white light
1404Methods for optical code recognition
1408the method being specifically adapted for the type of code
14172D bar codes
G06Q 20/02
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]
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
Applicants
  • ALDELO, LP [US]/[US]
Inventors
  • TU, Harry
Agents
  • WHEATON, Daniel G.
  • SOLOMON, Jonathan A.
Priority Data
16/921,80506.07.2020US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) RAPID APPROVAL OF BLOCKCHAIN-BASED TRANSACTIONS
(FR) APPROBATION RAPIDE DE TRANSACTIONS SUR LA BASE DE CHAÎNE DE BLOCS
Abstract
(EN) The present disclosure involves systems, software, and computer implemented methods for providing rapid approval of blockchain-based transactions. This includes approval of transactions prior to the transaction being written to the blockchain. A transaction system can register with a transaction manager, such as a cloud-based or cloud transaction manager, which can maintain a queue of pending transactions and provide approval for transactions in real-time or near real-time, while later verifying the pending transactions are written into the blockchain as expected. This allows the transaction system to securely confirm the transaction is approved prior to the transaction being written in the blockchain, based on a real-time or near real-time analysis of each customer's corresponding account and transactions.
(FR) La présente divulgation concerne des systèmes, un logiciel et des procédés mis en oeuvre par ordinateur visant à fournir une approbation rapide de transactions sur la base de chaîne de blocs. Ceci comprend l'approbation de transactions avant que la transaction ne soit écrite dans la chaîne de blocs. Un système de transactions peut s'enregistrer auprès d'un gestionnaire de transactions, tel qu'un gestionnaire de transactions infonuagiques ou en nuage, qui peut conserver une file d'attente de transactions en suspens et fournir une approbation pour des transactions en temps réel ou presque en temps réel, tout en vérifiant ultérieurement les transactions en suspens qui sont écrites dans la chaîne de blocs comme prévu. Ceci permet au système de transactions de confirmer de manière sécurisée que la transaction est approuvée avant que celle-ci ne soit écrite dans la chaîne de blocs, sur la base d'une analyse en temps réel ou presque en temps réel de chaque compte client correspondant et des transactions.
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