Business-to-business commerce using financial transaction numbers
US10592901B2 · kind B2 · utility
1Cited by
118References
19Claims
0Family size
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Key dates
| Filing date | Jun 4, 2002 |
| Grant date | Mar 17, 2020 |
| Priority date | — |
| Expiry date | Feb 15, 2028 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/04
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.