WO2023137348 - SYSTEM AND METHOD FOR ROUTING A FINANCIAL TRANSACTION TO A PAYMENT DEVICE SELECTED FROM AMONG A PLURALITY OF PAYMENT DEVICES
National phase entry is expected:
Publication Number
WO/2023/137348
Publication Date
20.07.2023
International Application No.
PCT/US2023/060510
International Filing Date
12.01.2023
Title **
[English]
SYSTEM AND METHOD FOR ROUTING A FINANCIAL TRANSACTION TO A PAYMENT DEVICE SELECTED FROM AMONG A PLURALITY OF PAYMENT DEVICES
[French]
SYSTÈME ET PROCÉDÉ D'ACHEMINEMENT D'UNE TRANSACTION FINANCIÈRE VERS UN DISPOSITIF DE PAIEMENT SÉLECTIONNÉ PARMI UNE PLURALITÉ DE DISPOSITIFS DE PAIEMENT
Applicants **
PERCENTS, INC.
Inventors
TAYLOR, Benjamin
CHAO, Phillip
Priority Data
63/299,812
14.01.2022
US
Application details
| Total Number of Claims/PCT | * |
| Number of Independent Claims | * |
| Number of Priorities | * |
| Number of Multi-Dependent Claims | * |
| Number of Drawings | * |
| Pages for Publication | * |
| Number of Pages with Drawings | * |
| Pages of Specification | * |
| * | |
| Number of Office Actions | * |
| * | |
International Searching Authority |
EPO
* |
| Recordal of a Change of the Applicant's Name/Address |
Change of Applicant's Name and Address
* |
| Type of Assignment |
The Standard Agent's Assignment
* |
| Applicant's Legal Status |
Legal Entity
* |
| * | |
| * | |
| * | |
| * | |
| * | |
| Entry into National Phase under |
Chapter I
* |
| Patent Delivery |
Send the Letters Patent by Courier
* |
| Translation |
|
* The data is based on automatic recognition. Please verify and amend if necessary.
** IP-Coster compiles data from publicly available sources. If this data includes your personal information, you can contact us to request its removal.
Quotation for National Phase entry
| Country | Stages | Total | |
|---|---|---|---|
| China | Filing, Examination, Granting | 2386 | |
| EPO | Filing, Examination, Granting | 14285 | |
| Japan | Filing, Examination, Granting | 2543 | |
| South Korea | Filing, Examination, Granting | 2806 | |
| USA | Filing, Examination, Granting | 6740 |
Total:
28,760
The term for entry into the National Phase has expired. This quotation is for informational purposes only
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Abstract[English]
A financial transaction processing system for automatically routing a financial transaction to a payment device and methods for making and utilizing the same. The financial transaction processing system can include receiving information about a financial transaction initiated by a consumer or other user who is associated with two or more physical and/or digital payment devices. The financial transaction information can be routed to a selected payment device of the user based upon one or more payment device features of the payment devices, information about the financial transaction, information about the user initiating the financial transaction and/or information about at least one vendor for fulfilling the financial transaction. The financial transaction processing system advantageously can enable the user to use a single aggregating payment method for financial transactions and create underlying financial transaction authorizations corresponding to financial transaction authorizations on the top-level aggregating payment method.[French]
Système de traitement de transaction financière permettant d'acheminer automatiquement une transaction financière vers un dispositif de paiement et procédés de fabrication et d'utilisation correspondants. Le système de traitement de transaction financière peut consister à recevoir des informations concernant une transaction financière initiée par un consommateur ou un autre utilisateur qui est associé à au moins deux dispositifs de paiement physiques et/ou numériques. Les informations de transaction financière peuvent être acheminées vers un dispositif de paiement sélectionné de l'utilisateur sur la base d'une ou plusieurs caractéristiques de dispositif de paiement des dispositifs de paiement, d'informations concernant la transaction financière, d'informations concernant l'utilisateur initiant la transaction financière et/ou d'informations concernant au moins un vendeur pour accomplir la transaction financière. Le système de traitement de transaction financière peut avantageusement permettre à l'utilisateur d'utiliser un procédé de paiement d'agrégation unique pour des transactions financières et créer des autorisations de transaction financière sous-jacentes correspondant à des autorisations de transaction financière sur le procédé de paiement d'agrégation de niveau supérieur.