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1. WO2007109462 - PROCÉDÉS D'AJUSTEMENT DE TRANSACTION

Numéro de publication WO/2007/109462
Date de publication 27.09.2007
N° de la demande internationale PCT/US2007/063932
Date du dépôt international 14.03.2007
CIB
G06Q 40/00 2006.01
GPHYSIQUE
06CALCUL; COMPTAGE
QSYSTÈMES OU MÉTHODES DE TRAITEMENT DE DONNÉES, SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION; SYSTÈMES OU MÉTHODES SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION, NON PRÉVUS AILLEURS
40Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
CPC
G06Q 20/10
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
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/102
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
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
102Bill distribution or payments
G06Q 20/105
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
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
105involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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 20/40
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
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
G06Q 40/02
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
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Déposants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US] (AllExceptUS)
  • WARD, Michael, C. [GB]/[GB] (UsOnly)
  • CUNESCU, Alexandru [BE]/[BE] (UsOnly)
  • ROBERTS, David, A. [GB]/[GB] (UsOnly)
  • BIBBY, David [GB]/[BE] (UsOnly)
Inventeurs
  • WARD, Michael, C.
  • CUNESCU, Alexandru
  • ROBERTS, David, A.
  • BIBBY, David
Mandataires
  • MASON, Kevin, M.
Données relatives à la priorité
11/684,22609.03.2007US
60/783,56817.03.2006US
Langue de publication anglais (EN)
Langue de dépôt anglais (EN)
États désignés
Titre
(EN) TECHNIQUES FOR TRANSACTION ADJUSTMENT
(FR) PROCÉDÉS D'AJUSTEMENT DE TRANSACTION
Abrégé
(EN)
Techniques are provided for transaction adjustment A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjusted responsive to the detection. In one aspect of the invention, such adjustment can be carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in the offline terminal.
(FR)
L'invention porte sur des procédés d'ajustement de transaction. Selon l'invention, un dispositif de paiement, comprenant un solde hors ligne, est présenté à un terminal hors ligne en lien avec une transaction hypothétique. Si une irrégularité est détectée dans la transaction hypothétique, le solde hors ligne est ajusté en réponse à la détection. Dans un aspect de l'invention, cet ajustement peut s'effectuer via une interaction avec le terminal hors ligne, sans utilisation de module de sécurité ni de clés cryptographiques dans le terminal hors-ligne.
Dernières données bibliographiques dont dispose le Bureau international