Visa Patent Universal Value Exchange

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2012021000 UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS

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85. (WO2012097108) UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS

PCT Biblio. Data Description Claims National Phase Notices Drawings Documents

PermaLinkatest bibliographic data on file with the International Bureau

Pub. No.:WO/2012/097108

International Application No.:

PCT/US2012/021000

Publication Date: 19.07.2012 International Filing Date: 11.01.2012

PC: G06Q 40/00 (2012.01)

Appl icants: VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999, MS M1-11F SanFrancisco, California 94128-8999 (US) (For All Designated States Except US).SALMON, Diane [US/US]; (US) (For US Only).FRENCH, Susan [US/US]; (US) (For US Only).GRAHAM, Victor ia [US/US]; (US) (For US Only).BHARGAVA, Ami t [IN/US]; (US) (For US Only).JHA, Shipra [IN/US]; (US) (For US Only).CARLSON, Mark [US/US]; (US) (For US Only).KATZIN, Edward, N. [US/US]; (US) (For US Only).HUA, Julian [US/US]; (US) (For US Only)

nventors: SALMON, Diane; (US).FRENCH, Susan; (US).GRAHAM, Victor ia; (US).BHARGAVA, Ami t; (US).JHA, Shipra; (US).CARLSON, Mark; (US).KATZIN, Edward, N.; (US).HUA, Julian; (US)

Agent: HANCHUK, Walter; Chadbourne & Parke LLP 30 Rockefeller Plaza New York, New York 10112 (US)

Priority Data: 61/431,775 11.01.2011 US

Title (EN) UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS(FR) APPAREILS, PROCDS ET SYSTMES D'CHANGE DE VALEURS UNIVERSELLES

Abstract: (EN)[00230] The UNIVERSAL VALUE EXCHANGEAPPARATUSES, METHODS AND SYSTEMS ("UVE")transform cross-ecosystem currency exchangeinstructions via UVE components into cross-ecosystemcurrency exchanges. In one embodiment, the UVE mayobtain a cross-ecosystem currency exchange instructionand determine one or more sources and destinations based on parsing the cross-ecosystem currencyexchange instruction. The UVE may identify currency types associated with the sources and thedestinations and determine exchange rates of the currency types relative to a standard currency. Inone implementation, the UVE may obtain currency exchange restrictions and conditions associatedwith the sources and the destinations and generate a currency exchange flow path for currencytransfer from the sources to the destinations. The UVE may also issue currency transfer requests tothe sources and the destinations, determine that the cross-ecosystem currency exchange has beencompleted and provide a notification of completion of the cross-ecosystem currency exchange.(FR)L'invention concerne des appareils, procds et systmes d'change de valeurs universelles (UVE ) transformant des instructions de change inter-cosystme par le biais de composants UVEen oprations de change inter-cosystme. Dans un mode de ralisation, l'UVE peut obtenir uneinstruction de change inter-cosystme et dterminer une ou plusieurs sources et destinationsd'aprs l'analyse des instructions de change inter-cosystme. L'UVE peut identifier des types de

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7108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/ja/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/ja/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/fr/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/fr/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/es/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/es/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/de/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/de/detail.jsf;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2?docId=WO2012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Bibliohttp://patentscope.wipo.int/search/mobile;jsessionid=A5622C294ED0243A5E1AFC5D00915E64.wapp2http://www.wipo.int/


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2012021000 UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS

p://patentscope.wipo.int/...012097108&recNum=85&maxRec=77092&office=&prevFilter=&sortOption=&queryString=solar&tab=PCT+Biblio[9/16/13 4:41:31 AM]

devise associs aux sources et destinations et dterminer les taux de change des types de devisepar rapport une devise standard. Dans un mode de ralisation, l'UVE peut obtenir les restrictions etconditions de change associes aux sources et destinations et gnrer un chemin de flux de changepour transfrer les devises depuis les sources vers les destinations. L'UVE peut galement mettredes demandes de transfert de devises vers les sources et les destinations, dterminer que l'oprationde change inter-cosystme est termine et fournir une notification de fin de l'opration de changeinter-cosystme.

Designated

States:

AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU,CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS,J P, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW,

MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SC, SD, SE, SG,SK, SL, SM, ST, SV, SY, TH, TJ , TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW.African Regional Intellectual Property Org. (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW,SD, SL, SZ, TZ, UG, ZM, ZW)Eurasian Patent Organization (EAPO) (AM, AZ, BY, KG, KZ, MD, RU, TJ , TM)European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR,HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)African Intellectual Property Organization (OAPI) (BF, BJ , CF, CG, CI, CM, GA, GN, GQ, GW, ML,MR, NE, SN, TD, TG).

Publication Language: English (EN)

Filing Language: English (EN)


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