WO2007055675A1 - Systeme et procede de paiement argent liquide - Google Patents

Systeme et procede de paiement argent liquide Download PDF

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Publication number
WO2007055675A1
WO2007055675A1 PCT/UA2006/000061 UA2006000061W WO2007055675A1 WO 2007055675 A1 WO2007055675 A1 WO 2007055675A1 UA 2006000061 W UA2006000061 W UA 2006000061W WO 2007055675 A1 WO2007055675 A1 WO 2007055675A1
Authority
WO
WIPO (PCT)
Prior art keywords
payer
financial institution
payment
recipient
authorized
Prior art date
Application number
PCT/UA2006/000061
Other languages
English (en)
Inventor
Mykhailo Komissaruk
Original Assignee
Mykhailo Komissaruk
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mykhailo Komissaruk filed Critical Mykhailo Komissaruk
Priority to EA200801298A priority Critical patent/EA011546B1/ru
Publication of WO2007055675A1 publication Critical patent/WO2007055675A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems

Definitions

  • This invention relates to the field of automation of commercial agreements and can be used in trade and in a sphere of rendering different types of services. With its help it is possible to carry out different types of payments and settlements within the framework of the payment system, including payments for communication services (mobile, wire, satellite, IP and others), for the Internet services, public utilities, payments for goods and services, transfer of funds, etc.
  • payments for communication services mobile, wire, satellite, IP and others
  • for the Internet services public utilities
  • payments for goods and services transfer of funds, etc.
  • a system for selling prepaid phone cards via phone cards vending machines (WO 9801815, IPC G06F 17/60) is known from the prior art, but it has a narrow specialization and limited functional capabilities, since it may be used only for payment of telephone conversations from specialized automatic telephones. •
  • the shortcomings of the described method may include the fact that, it fails to ensure a sufficient security level, since the data on the card become known to sellers in the process of carrying out each payment operation.
  • the closest to the claimed invention state of prior art is the method of carrying out cashless payment operations by clients of banks, described in Ukrainian Patent No. 64840, IPC G06F 17/60, G07 F 19/00, H 04M 17/00.
  • the said method includes sending information by a buyer from the buyer's mobile terminal to the center of processing payment transactions, where a person, sending information is identified and his/her requisites are received and information is sent in response, which is generated in the center of payment transactions, following that in the center of processing payment transactions control of the transaction is exercised at the buyer's financial institution, to which he/she is connected through a network of data communications, and after carrying out a transaction confirmation is sent to the buyer and the seller, at the same time, first an inquiry is made by the seller to the center of processing payment transactions with indicating the amount of transaction, also identification of the seller is made in the center of processing payment transaction and requisites of the seller are received from its/his/her identifier, after that at the center of processing payment transactions the key code of a transaction
  • the problem is achieved due to the fact that in the system of carrying out cashless payments from the payer's account at the payer's financial institution to the recipient's account at the recipient's financial institution within the framework of the payment system, which includes the payer's financial institution, in which the payer's account is, and the recipient's financial institution, in which the recipient's account is, the payer makes a transfer of the authorized conditional payment order to the payer's financial institution, which contains at least the amount of payment, and the payer's financial institution generates the key code, which alongside with the conditional payment order is preserved in the information system and is sent to the Payer, who sends it to the recipient, and the recipient sends an authorized inquiry to the financial institution of the recipient, containing at least the key code, received from the payer, and after checking compliance of the conditional payment order, received from the payer, with an authorized inquiry, received from the recipient for identity of at least the key code, available in them, the payer's financial institution makes transfer of funds.
  • the payer transmits the authorized conditional payment order to the payer's financial institution, which contains at least the amount of payment
  • the payer's financial institution generates the key code, which alongside with the conditional payment order is preserved in the information system and is sent to the payer, who sends it to the recipient, and the recipient sends an authorized inquiry to the payment organization, containing at least the key code
  • the payment organization carries out transfer of an authorized inquiry, which contains at least the key code, to the financial institution of the payer, and after checking for compliance of the conditional payment order, received from the payer, with an authorized inquiry, received from the payment organization for identity of at least the key code, available in them, transfer of funds is made.
  • An authorized inquiry may contain in addition the recipient's identifier (ID).
  • the payer's identification may be carried out by means of personal authorization means, which is a device having a microprocessor.
  • a mobile telephone may also serve as the personal authorization means.
  • Data communication may be carried out from terminals, connected among themselves by telecommunication networks.
  • the terminal has, at least, a microprocessor and a display.
  • the terminal may be a device, chosen from the group, including a mobile telephone, a personal computer, a pocket computer or a pager.
  • An authorized inquiry has the key code and the amount of payment, received from the payer, and control on compliance of the conditional payment order with the authorized inquiry includes control for identity of the designated key and the payment amount.
  • the financial institution Prior to carrying out transfer of funds, the financial institution sends an authorized notification of the payment guarantee to the recipient.
  • the financial institution Prior to making a transfer the financial institution sends an authorized notification of the payment guarantee to the payment organization, which sends an authorized notification of the payment guarantee to the recipient's financial institution, and the financial institution of the recipient sends an authorized notification of the payment guarantee to the recipient.
  • the guarantee notification shall be send immediately following control for compliance of the conditional payment order, received from the payer, with an authorized inquiry, received from the recipient, at the payer's financial institution.
  • the payer's financial institution Before generating the key code the payer's financial institution makes checking of the payer with regard to a possibility of accepting the conditional payment order.
  • the financial institution of the payer is the issuing bank, and the recipient's institution is the acquirer bank.
  • the object of the invention is also a method of carrying out cashless payments from the payer's account at the payer's financial institution to the recipient's account at the recipient's financial institution within the framework of the payment system, in which the payer carries out transfer of an authorized conditional payment order to the payer's financial institution, which contains, at least, the payment amount, following that the key code is generated at the payer's financial institution, which alongside with the conditional payment order is preserved in the information system and is sent to the payer, who further transmits the received key code to the recipient, following that the recipient carries out transfer of an authorized inquiry to the financial institution of the recipient, which contains at least the key code, received from the payer, at the same time, a) If the payer's financial institution is the financial institution of the recipient, than following checking for compliance of the conditional payment order, received from the payer, with an authorized inquiry, received from the recipient, with regard to identity of at least the key code, available in them, transfer of funds is carried out, or b) If the financial institution of the payer is not the financial institution of the
  • an authorized inquiry may contain the recipient's identifier.
  • the payer's identification may be carried out with the help of personal means of authorization, which is a device with a microprocessor.
  • a mobile telephone may be the personal authorization means.
  • a terminal is a device, which includes at least a microprocessor and a display.
  • a terminal is a device, chosen from the group consisting of a mobile telephone, a personal computer, a pocket computer or a pager.
  • An authorized inquiry which the recipient sends to the financial institution of the recipient, has the key code and the payment amount, received from the payer, and checking for compliance of the payment order with an authorized inquiry includes checking for identity of the designated key code and the payment amount.
  • the financial institution sends an authorized notification of the guarantee of payment to the recipient, or
  • the payer's financial institution sends an authorized notification of the payment guarantee to the payment organization, which sends an authorized notification of the payment guarantee to the financial institution of the recipient, and the financial institution of the recipient sends an authorized notification of the payment guarantee to the recipient.
  • the guarantee notification is sent immediately following checking for compliance of the conditional payment order, received from the payer, with an authorized inquiry, received from the recipient, at the payer's financial institution.
  • the financial institution of the payer Prior to generating the key code the financial institution of the payer carried out checking of the payer with regard to a possibility of accepting the conditional payment order.
  • Transfer of funds is fulfilled within the term, determined by the payment system.
  • the issuing bank is the financial institution of the payer and the acquirer bank is the financial institution of the recipient.
  • Payment system the payment organization, members of the payment system and totality of relations emerging among them in carrying out transfer of funds. Carrying out transfer of funds is a mandatory function, which should be fulfilled by the payment system.
  • Payer - a participant of the payment system initiating a payment with the payment system means.
  • Recipient - a participant of the payment system receiving the funds through the payment system means.
  • Issuing Bank - a member of the payment system, a financial and credit institution, which services the Payer.
  • Key code - a succession of symbols created by the Issuing Bank for each event of the issue.
  • Conditional payment order an order containing at least the payment amount, which the Payer provides to the Issuing Bank for transfer of funds to the Recipient.
  • Information system totality of software and hardware, which are used for preserving and processing of information and delimiting rights of access to its separate parts.
  • SSL an open protocol developed by the Netscape Company, which determines a mechanism for support of data security at the level between the TCP/IP protocol and the protocols, which are used by the high-level software (Hypertext Transfer Protocol [HTTP], Telnet, Network News Transfer Protocol [NNTP] or File Transfer Protocol [FTP]).
  • HTTP Hypertext Transfer Protocol
  • NTP Network News Transfer Protocol
  • FTP File Transfer Protocol
  • SSL supports data ciphering, authentication of servers and clients. It was approved by the W3C consortium as a standard means of security for WEB browsers and servers.
  • RSA the ciphering method, which was developed in 1997 by the RSA Data Security. This method was based on the system with double keys, private and public.
  • RSA is an abbreviation, which was formed from the first letters of the surnames of three founders, the RSA Data Security - Rivest, Shamir, Adelman.
  • PAM Personal authorization means
  • Authentication - a procedure for identification of the user's personality and control of the rights of access to information or fulfillment of certain actions.
  • Cipher key - a set of secret parameters for the cryptoalgorithm, which determine its unique conditions of enciphering (or deciphering) of information. Examples of practical implementation of the claimed invention are further presented.
  • Example 1 describes a case, when the issuing bank and the acquirer bank are different banks.
  • the client on the operator's site receives information about the minimum payment. Following that the client visits the WEB page of his/her own issuing bank, which services its/his/her card account and loads an authorization program from there, activates the authorization program and becomes authorized by way of connecting a personal authorization means (PAM) to the USB of the computer port.
  • PAM personal authorization means
  • the authorization program inquires the client about the payment amount and forms a conditional payment order of the bank.
  • the authorization program loads this payment order into a personal authorization means (PAM), which has a micro scheme, previously programmed for the algorithm of the digital signature, the PAM signs a conditional payment order using the RSA algorithm and returns it to the authorization program.
  • PAM personal authorization means
  • the authorization program with the help of the SSL protocol establishes connection with the issuing bank through the Internet network and transmits a conditional payment order to the bank.
  • the issuing bank calculates, according to the RSA algorithm, the set of symbols, of which the conditional payment order consists, and compares the received succession of symbols with the public electronic key of the client, which is preserved in the information system of the bank. In case of identity the issuing bank checks the client's funds on the account and compliance with the established limits with taking into account the amount of the conditional order.
  • the issuing bank accepts the conditional payment order, generates the key code and preserves it alongside with the conditional payment order in its own information system. Following that, the issuing bank communicates the key code to the authorization program.
  • the authorization program informs the client about a successful acceptation of the conditional payment order and presents the key code to the client.
  • the client copies the key code into the clipboard and ports it into a special form on the operator's site.
  • the operator Having received the key code, the operator forms an inquiry of the payment guarantee, which has the key code and the payment amount, adds its own electronic signature to it, establishes the SSL connection with the acquirer bank, which services the operator, becomes authorized according to a mechanism, which is provided by the bank, and transports an inquiry of the payment guarantee to the information system of the acquirer bank.
  • the information system of the acquirer bank checks the electronic signature of the operator and in case of its identity, establishes, according to the algorithm, set by the payment system on the basis of the key code, what issuing bank generated the key code, and provided it is another bank, adds an electronic signature of the acquirer bank to the inquiry of the payment guarantee, andains transmits to the information system (IS) of the payment system.
  • IS information system
  • the IS of the payment system checks the electronic signature of the acquirer bank, and in case of identity, according to the algorithm, set by the payment system on the basis of the key code, establishes what issuing bank generated the key code, checks the balances on the limits of the issuing bank in the payment system with taking into account the amount, which is designated in the inquiry, and provided the limits are not exceeded, adds its own electronic signature to the inquiry of the payment guarantee and communicates an inquiry of the payment guarantee to the corresponding Issuing Bank.
  • the IS of the issuing bank checks the electronic signature of the payment system and in case of identity checks an inquiry of the payment guarantee for compliance with any conditional payment order, which is preserved in the IS of the issuing bank according to identity of the key code. If such a conditional order exists, the issuing bank adds its own electronic signature to the inquiry of the payment guarantee and returns the payment guarantee to the IS of the payment system.
  • the IS of the payment system checks the electronic signature of the issuing bank, and in case of identity, reduces the limit of the issuing bank in the payment system, adds its own electronic signature to the guarantee and returns the payment guarantee to the IS of the acquirer bank.
  • the IS of the acquirer bank checks the electronic signature of the payment system, and in case of identity adds its own electronic signature to the guarantee and returns the payment guarantee to the operator.
  • the operator Having received the payment guarantee from the acquirer bank the operator checks the electronic signature of the acquirer bank and in case of identity replenishes the client's account in its own bilingual system and informs the client about it.
  • participant banks carry out clearing and according to its results they transfer the funds from the client's account in the issuing bank to the operator's account with the acquirer bank with taking into account the commission to members of the payment system, and distribute the commission among themselves.
  • replenishment of the client's account takes place with the telecommunications operator.
  • Example 2 concerns a case, when the issuing bank and the acquirer bank is one bank.
  • the client receives information about the minimal payment on the operator's site.
  • the client visits the WEB page of his/her own issuing bank, which services his/her card account, and loads the authorization program from there. Than he/she activates the loaded authorization program and become authorized by way of connecting of the personal authorization means (PAM) to the USB of the computer's port.
  • PAM personal authorization means
  • the authorization program inquires the client about the amount of payment and forms the conditional payment order of the bank.
  • the authorization program loads this order in the PAM, which has a micro scheme, previously programmed for the algorithm of the digital signature, the PAM signs the conditional payment order, using the RSA algorithm and returns it to the authorization program.
  • the authorization program establishes connection with the issuing bank with the help of the SSL Protocol through the Internet network and transmits the conditional payment order to the bank.
  • the issuing bank calculates a set of symbols according to the RSA algorithm, of which the conditional payment order consists, and compares the received succession of symbols with the public electronic key of the client, which is preserved in the Bank information system. In case of identity, the issuing bank checks the client's funds on the account for compliance with the set limits, with taking into account the amount of the conditional order.
  • the issuing bank accepts a conditional payment order, generates the key code and preserves it alongside with the conditional payment order in its own information system. Following that the issuing bank transmits the key code to the authorization program.
  • the authorization program informs the client about a successful acceptance of the payment order and presents the key code to the client.
  • the client copies the key code into the clipboard and transmits it to a special form on the operator's site.
  • the operator forms an inquiry of the payment guarantee, which has the key code and the payment amount, adds its own electronic signature to it, establishes the SSL connection with the acquirer bank, which services the operator, becomes authorized according to a mechanism, which is provided by the Bank and transmits the inquiry of the payment guarantee to the information system of the acquirer bank.
  • the information system of the acquirer bank checks the electronic signature of the operator, and in case of identity, establishes, according to the algorithm set by the payment system on the basis of the key code, what Issuing bank generated the key code and, in case that the issuing bank and the acquirer bank coincide, adds its own electronic signature to an inquiry of the payment guarantee, and checks an inquiry of the payment guarantee for compliance with any conditional payment order, which is preserved in its own IS according to identity of the key code.
  • the acquirer bank adds its own electronic signature to an inquiry of the payment guarantee and returns the payment guarantee to the operator.
  • the operator Having received the payment guarantee from the acquirer bank, the operator checks the electronic signature of the acquirer bank and, in case of identity, informs the client about accepting of the payment and gives the client the code of replenishing the account in its own bilingual system.
  • the acquirer bank transfers funds from the payer's account to the operator's account with taking into account its own commission.

Abstract

L'invention concerne le domaine de l'automatisation des contrats commerciaux et peut s'utiliser pour les échanges commerciaux et différents types de service. Elle permet de réaliser différents types de paiement et de règlement dans le cadre du système de paiement, y compris les paiements pour services de communications (mobile, filaire, satellitaire, IP et autres), pour services Internet, services publics, les règlements de marchandises et de services, le transfert de fonds, etc. L'invention concerne un système et un procédé permettant de réaliser des règlements sans argent liquide à partir du compte de l'acquéreur auprès de l'établissement financier de l'acquéreur sur le compte du destinataire auprès de l'établissement financier du destinataire dans le cadre du système de règlement, impliquant l'utilisation d'un ordre de virement conditionnel autorisé, contenant au moins la quantité de règlement, et le code clé, qui est généré par l'établissement financier, et d'une demande autorisée, contenant au moins le code clé, dans le même temps, un contrôle de conformité d'un ordre de versement conditionnel autorisé de l'acquéreur avec une demande autorisée du destinataire étant opéré au moins pour vérifier l'identité du code clé, disponible dans ceux-ci. Si les codes sont identiques, le transfert de fonds est opéré.
PCT/UA2006/000061 2005-11-11 2006-11-07 Systeme et procede de paiement argent liquide WO2007055675A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EA200801298A EA011546B1 (ru) 2005-11-11 2006-11-07 Система и способ осуществления безналичных платежей

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
UAA200510688 2005-11-11
UA2005010688 2005-11-11
UA2005012740 2005-12-28
UAA200512740 2005-12-28

Publications (1)

Publication Number Publication Date
WO2007055675A1 true WO2007055675A1 (fr) 2007-05-18

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/UA2006/000061 WO2007055675A1 (fr) 2005-11-11 2006-11-07 Systeme et procede de paiement argent liquide

Country Status (2)

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EA (1) EA011546B1 (fr)
WO (1) WO2007055675A1 (fr)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2009012731A1 (fr) * 2007-07-26 2009-01-29 Direct Pay, S.R.O. Procédé pour effectuer une transaction de paiement à l'aide d'un terminal mobile
WO2009070848A1 (fr) * 2007-12-07 2009-06-11 Redepay Pty Ltd Système et procédé permettant d'opérer une transaction monétaire entre des dispositifs de communication
AU2010100295B4 (en) * 2007-08-31 2010-05-20 Paypal, Inc. Mobile remittances/payments
EP2251825A1 (fr) * 2009-03-04 2010-11-17 Prepaytrans Gestion Empresarial, S.L. Système pour réaliser des transactions télémétriques sécurisées
US20120246071A1 (en) * 2011-03-21 2012-09-27 Nikhil Jain System and method for presentment of nonconfidential transaction token identifier
JP2019215885A (ja) * 2015-11-24 2019-12-19 マスターカード インターナシヨナル インコーポレーテツド 不透明ブロックチェーンを使用することによる全体清算方法及びシステム

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RU2646396C2 (ru) * 2016-05-26 2018-03-02 Самуил Лейбович Горелик Способ оплаты проезда в общественном транспорте
RU2761419C1 (ru) * 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Способ и система для перевода денежных средств со счета на счет

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WO2003038719A1 (fr) * 2001-10-31 2003-05-08 Arcot Systems, Inc. Generateur de numero de carte de credit unique et authentification aller-retour unique
UA64840C2 (uk) * 2001-10-12 2004-03-15 Віталій Євгенович Леонідов-Каневський Спосіб електронних платежів (варіанти)
US20040054624A1 (en) * 2002-09-13 2004-03-18 Qi Guan Procedure for the completion of an electronic payment

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EP1028401A2 (fr) * 1999-02-12 2000-08-16 Citibank, N.A. Méthode et système pour exécuter une transaction avec cartes bancaires
US20010025271A1 (en) * 1999-12-14 2001-09-27 Allen Douglas G. Commercial transaction system and method for protecting the security and privacy of buyers transacting business over a communication network
GB2361790A (en) * 2000-04-28 2001-10-31 Cast Technologies Ltd Making secure payments using a limited use credit card number
UA64840C2 (uk) * 2001-10-12 2004-03-15 Віталій Євгенович Леонідов-Каневський Спосіб електронних платежів (варіанти)
WO2003038719A1 (fr) * 2001-10-31 2003-05-08 Arcot Systems, Inc. Generateur de numero de carte de credit unique et authentification aller-retour unique
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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2009012731A1 (fr) * 2007-07-26 2009-01-29 Direct Pay, S.R.O. Procédé pour effectuer une transaction de paiement à l'aide d'un terminal mobile
AU2010100295B4 (en) * 2007-08-31 2010-05-20 Paypal, Inc. Mobile remittances/payments
WO2009070848A1 (fr) * 2007-12-07 2009-06-11 Redepay Pty Ltd Système et procédé permettant d'opérer une transaction monétaire entre des dispositifs de communication
EP2251825A1 (fr) * 2009-03-04 2010-11-17 Prepaytrans Gestion Empresarial, S.L. Système pour réaliser des transactions télémétriques sécurisées
US20120246071A1 (en) * 2011-03-21 2012-09-27 Nikhil Jain System and method for presentment of nonconfidential transaction token identifier
WO2012129211A1 (fr) * 2011-03-21 2012-09-27 Qualcomm Incorporated Système et procédé permettant de présenter un identifiant de jeton de transaction non confidentiel
JP2019215885A (ja) * 2015-11-24 2019-12-19 マスターカード インターナシヨナル インコーポレーテツド 不透明ブロックチェーンを使用することによる全体清算方法及びシステム
JP2020194578A (ja) * 2015-11-24 2020-12-03 マスターカード インターナシヨナル インコーポレーテツド 不透明ブロックチェーンを使用することによる全体清算方法及びシステム
US11562353B2 (en) 2015-11-24 2023-01-24 Mastercard International Incorporated Method and system for gross settlement by use of an opaque blockchain

Also Published As

Publication number Publication date
EA011546B1 (ru) 2009-04-28
EA200801298A1 (ru) 2008-10-30

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