WO2018044642A1 - Système de commande de transaction d'actif - Google Patents

Système de commande de transaction d'actif Download PDF

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Publication number
WO2018044642A1
WO2018044642A1 PCT/US2017/048144 US2017048144W WO2018044642A1 WO 2018044642 A1 WO2018044642 A1 WO 2018044642A1 US 2017048144 W US2017048144 W US 2017048144W WO 2018044642 A1 WO2018044642 A1 WO 2018044642A1
Authority
WO
WIPO (PCT)
Prior art keywords
party
asset
transaction
control system
exchange
Prior art date
Application number
PCT/US2017/048144
Other languages
English (en)
Inventor
Sargent WHITE
Original Assignee
White Sargent
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 White Sargent filed Critical White Sargent
Publication of WO2018044642A1 publication Critical patent/WO2018044642A1/fr

Links

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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/083—Shipping
    • G06Q10/0832—Special goods or special handling procedures, e.g. handling of hazardous or fragile goods
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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

Definitions

  • the present invention is a method and system for controlling a transfer or delivery of an asset or information between two parties or entities.
  • a transaction control system maintains data defining transaction assets and transaction parties. Transactions between parties are enabled by delivering a transaction code to a second party who seeks possession of an asset from a first party. Delivery to the first party, from the second party, of the transaction code is verified by the control system and the control system stores data evidencing the associated asset delivery.
  • the asset susceptible to transfer or delivery may be a physical object, an intangible asset, information, data, evidence of an obligation or right to future performance, or other value or legal right.
  • Figures 1 to 5 are schematic illustrations of steps in one embodiment of the inventive system and method.
  • Figure 1 illustrates a system and method according to the invention.
  • parties P1 and P2
  • the current methods are not so limited and the inventive method may be applied in like manner to transactions involving multiple simultaneous or sequential related or unrelated parties.
  • the term "party” is used generically here to refer to a person or a legal entity including a person or equally an electronic device capable of carrying out the required transaction events.
  • the transaction is enabled by a control system 101 .
  • the control system 101 includes electronic memory systems and communication systems enabling the following communications and actions.
  • the control system 101 maybe embodied in one or more computers or computer controlled communication systems of devices, such as a mobile telephone device.
  • the control system 101 should include a generally accessible communication system, or be connectable to the same, such as an internet based system or a cellular phone software application communication system.
  • asset is used to indicate a physical object, an intangible asset, information, data, evidence of an obligation or right to future performance, or other value or legal right.
  • an asset is something that one parties wishes to exchange to another.
  • a first party P1 has an asset AS1 that P1 desires or requires to delivery to another party.
  • the other party may be unknown or unidentified at an initial transaction time or may be known.
  • the first party P1 communicates with the control system 101 to provide transaction data TDA, which may include asset description data and exchange value data such as a monetary price.
  • transaction data TDA may include asset description data and exchange value data such as a monetary price.
  • the control system 101 communicates to a second party P2 to provide to P2 at least sufficient transaction data TDA' to enable the transaction.
  • Other information may also be transmitted such as incidental transaction information such as a physical transaction location or other party identifying information.
  • P2 transmits to the control system 101 information or data enabling payment or other value exchange. This may include account information respecting the second party's financial accounts with third-party financial parties.
  • the second party P2 transmits or communicates to the first party P1 , a receipt code RC or equally effective signal or evidence of completion of the exchange.
  • This receipt code RC may have been previously provided to the second party P2 from the control system, as part of the transaction data transfer TDA', or may have been otherwise previously provided, or may be provided at the time of exchange - during the third step events.
  • the control system 101 may function as part of the exchange between the parties, this might also not be the case, and the exchange itself occurs independent of the control system 101 (hence the dashed communication lines to the control system 101 in this figure).
  • the function of the receipt code RC is to provide the first party P1 with evidence of completion of the exchange and evidence that the second party P2 is in possession of the asset AS1 .
  • This transmission or communication of the receipt code RC should occur slightly before, concurrent with, or right after exchange of AS1 , based on which party more needs to verify the performance of the other in a transaction prior to the code being exchanged.
  • the trusted party will perform last in the transaction between P1 and P2.
  • the control system 101 can specify which party is the trusted party in a transaction pair and suggest or control when the receipt code RC is provided for P1 .
  • the exchange In the case of a physical asset, such as paper currency money, the exchange is a physical movement of the asset. However, in the case of intangible asset or information, the exchange may take many other forms including revealing through spoken word or visible exchange.
  • the transmission or communication of the receipt code RC to the first party P1 evidences that the second party P2 is in satisfactory possession of the asset AS1 (ie. paper currency money, information, etc.).
  • the receipt code RC may take any of a great variety of forms including alphanumeric, numeric, alphabetical electronic or visual signals, audio signals, video signals or combinations or hybrids of these or any other
  • the receipt code RC is unique as to the parties and the exchange or asset AS1 and may include specific data defining the parties and asset and other information specific to the exchange. Alternatively, the receipt code RC may be uniquely associated with such data stored within the control system 101 .
  • the first party P1 transmits the receipt code RC to the control system 101 .
  • receipt of the receipt RC by the control system 101 enables or authorizes the control system 101 to then transfer payment to the first party P1 and charge or debit the second party P2 as previously specified.
  • Payment to the first party P1 may be via an electronic payment communication PX1 to the first party P1 or to a third-party manager of an account of the first party P1 .
  • Payment from the second party P2 likewise may be through payment communication PX2 with the second party or a third-party.
  • control system 101 may function as an account manager for one or both of the parties, debiting and crediting accounts for each with respective to associated exchanges completed and thus the payment communications PX1 , PX2 would not occur external to the control system 101 . It should be clear that the events of the fourth step may be coincidental in time with the exchange events of the third step.
  • the asset AS1 is in the possession of the second party P2 and data respecting this fact may be maintained as data within the control system 101 as a consequence of communication of the receipt code RC from the first party P1 to the control system 101 .
  • the exchange value received by the first party P1 may be other than monetary value (fiat money or account credit in monetary
  • a system of account credits 120 may be a maintained element of the control system 101 .
  • the exchange value transferred from the second party P2 (buyer) to the first party P1 (seller) may be an exchange value EX that is recorded entirely within the control system 101 .
  • This exchange value EX may have denomination in recognized monetary units or may be unique.
  • control system 101 may maintain an exchange value registry containing specific asset identities and corresponding relative asset values respective of other assets.
  • An exchange value EX in any particular transaction may take the form of a relative asset value RAV (in place of fiat money denomination amount).
  • a history of transactions between incidental prior parties may identify an accepted or average RAV representing one bicycle in exchange for four hours of manual labor.
  • other histories of transactions may identify an accepted RAV of a sports football for two hours of manual labor (embodied as a contractual right of satisfaction of obligation of performance as an asset).
  • a RAV of two footballs for a bicycle may be arrived at.
  • a first party may have possession of a bicycle which a second party desires.
  • the second party may authorize transfer of right of ownership of either four hours of manual labor or two footballs in exchange for possession of the bicycle.
  • the exchange of possession for right of ownership may be carried out as previously described above.
  • the ownership credit of four hours of manual labor or right of ownership for two footballs is recorded as an exchange value EX in the system of account credits 120.
  • This mode of transaction may be considered a barter transaction as not necessarily requiring a monetary payment, but rather is an exchange of different forms of assets.
  • control system 101 creates and maintains data or a registry of relative asset values or of prior transactions defining or evidencing relative asset values.
  • an unique exchange value is determined for exchange for a transaction associated asset by operating on known relative asset values.
  • the exchange value EX may be right of ownership without transfer of possession of a physical object.
  • the second party in the transaction may, or might not, have possession of the physical object or right of ownership in a specific asset represented by the exchange value. What is critical is that the control system maintain data evidencing the exchange values given up and received by each party.
  • the present method of transaction control is particularly useful in the context of serial rentals where physical possesion of an asset may pass through to multiple "second parties" without returning to the asset owner (first party). This may include payment, or other asset transfer, to the owner.
  • Each transaction, between owner and second party and also between subsequent parties receiving possession of the asset, is executed in the same manner as described above.
  • FIG. 1 An illustration of such serial rental transactions is embodied in a proposed sequential car rental application.
  • An owner or first party having an automobile (car) can deliver the keys to a second party along with other enabling information in a transaction such as described in Figures 1 to 3, to enable the second party to possess and use the car.
  • the second party deliver's the keys and enabling information to a third party, thereby effectively enabling that party's use of the car. This may continue indefinitely enabling various party's possession and use of the car.
  • the control system

Abstract

Système de commande de transaction gardant des données définissant des actifs de transaction et des parties à la transaction. Des transactions entre des parties sont activées par la délivrance d'un code de transaction à une seconde partie qui cherche à acquérir un actif d'une première partie. La remise à la première partie, par la seconde partie, du code de transaction est vérifiée par le système de commande et le système de commande enregistre des données prouvant la remise de l'actif associée.
PCT/US2017/048144 2016-08-29 2017-08-23 Système de commande de transaction d'actif WO2018044642A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201662380724P 2016-08-29 2016-08-29
US62/380,724 2016-08-29

Publications (1)

Publication Number Publication Date
WO2018044642A1 true WO2018044642A1 (fr) 2018-03-08

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2017/048144 WO2018044642A1 (fr) 2016-08-29 2017-08-23 Système de commande de transaction d'actif

Country Status (1)

Country Link
WO (1) WO2018044642A1 (fr)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020072983A1 (en) * 2000-12-12 2002-06-13 David Teller Virtual product distribution system and method
US20050165612A1 (en) * 2000-04-19 2005-07-28 Van Rysselberghe Pierre C. Security systems for delivering goods and services
US20060253339A1 (en) * 2005-05-05 2006-11-09 Moneet Singh System and process for escrow of payments
US20110161154A1 (en) * 2009-12-31 2011-06-30 Mclaughlin Michael Electronic Management of Reward Credits
US20140211017A1 (en) * 2013-01-31 2014-07-31 Wal-Mart Stores, Inc. Linking an electronic receipt to a consumer in a retail store
WO2015089570A1 (fr) * 2013-12-19 2015-06-25 Glynn Simon Système et procédé de distribution postale

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20050165612A1 (en) * 2000-04-19 2005-07-28 Van Rysselberghe Pierre C. Security systems for delivering goods and services
US20020072983A1 (en) * 2000-12-12 2002-06-13 David Teller Virtual product distribution system and method
US20060253339A1 (en) * 2005-05-05 2006-11-09 Moneet Singh System and process for escrow of payments
US20110161154A1 (en) * 2009-12-31 2011-06-30 Mclaughlin Michael Electronic Management of Reward Credits
US20140211017A1 (en) * 2013-01-31 2014-07-31 Wal-Mart Stores, Inc. Linking an electronic receipt to a consumer in a retail store
WO2015089570A1 (fr) * 2013-12-19 2015-06-25 Glynn Simon Système et procédé de distribution postale

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