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1. WO2012012545 - SYSTÈME ET PROCÉDÉS POUR TRANSFÉRER DE L'ARGENT

Numéro de publication WO/2012/012545
Date de publication 26.01.2012
N° de la demande internationale PCT/US2011/044700
Date du dépôt international 20.07.2011
CIB
G06Q 20/00 2012.01
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
20Architectures, schémas ou protocoles de paiement
CPC
G06Q 20/12
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
12specially adapted for electronic shopping systems
G06Q 20/383
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
383Anonymous user system
G06Q 20/385
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
385Use of an alias or a single-use code
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 20/403
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
403Solvency checks
Déposants
  • WI-MEXX INTERNATIONAL LIMITED [CN/CN]; 340 Queen's Road Central, Suite 2006 20th Floor Hong Kong, CN (AllExceptUS)
  • MONAGHAN, Steven Robert [AU/AU]; AU (UsOnly)
  • WARREN, Shaun Robert [GB/SG]; SG (UsOnly)
  • LEES-ROLFE, Arthur Fewell [ZA/ZA]; ZA (UsOnly)
Inventeurs
  • MONAGHAN, Steven Robert; AU
  • WARREN, Shaun Robert; SG
  • LEES-ROLFE, Arthur Fewell; ZA
Mandataires
  • CROWSON, Celine Jimenez; Hogan Lovells US LLP 555 Thirteenth Street, NW Washington, D.C. 20004, US
Données relatives à la priorité
61/366,02920.07.2010US
Langue de publication anglais (EN)
Langue de dépôt anglais (EN)
États désignés
Titre
(EN) SYSTEM AND METHODS FOR TRANSFERRING MONEY
(FR) SYSTÈME ET PROCÉDÉS POUR TRANSFÉRER DE L'ARGENT
Abrégé
(EN)
Aspects of the present invention relate to systems and methods for increasing security and privacy of financial transactions. More specifically, certain aspects of the invention provide consumers, financial institutions, and/or merchants with increased protection of sensitive information associated with financial accounts and transactions. Herein disclosed are methods and systems for allowing a consumer to pay a merchant without the consumer needing to disclose confidential information to the merchant.
(FR)
L'invention concerne des systèmes et des procédés pour augmenter la sécurité et la confidentialité des transactions financières. Plus spécifiquement, l'invention apporte aux clients, aux institutions financières et/ou aux commerçants une protection renforcée des informations sensibles associées aux comptes et aux transactions financières. L'invention concerne également des procédés et des systèmes pour permettre à un client de payer un commerçant sans que le client ait besoin de divulguer des informations confidentielles au commerçant.
Également publié en tant que
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