A method performed by a transaction manager comprising: receiving, from a first network entity, a first request to perform a transaction with a second network entity; selecting a request queue from a plurality of transaction request queues; adding the first request to the back of the selected request queue; when the first request reaches the front of the selected request queue, processing the first request by a request handler and sending a second request to the second network entity; receiving a first response from the second network entity, in response to the second request; selecting a response queue from a plurality of transaction response queues; adding the first response to the back of the selected response queue; and when the first response reaches the front of the selected response queue, processing the first response by a response handler and sending a second response to the first network entity.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
H04L 47/125 - Prévention de la congestionRécupération de la congestion en équilibrant la charge, p. ex. par ingénierie de trafic
2.
IDENTIFICATION OF NETWORK EVENTS REPRESENTING A NETWORK SECURITY THREAT
A computer-implemented method is provided for training a machine learning model to identify one or more network events associated with a network and representing a network security threat. The method comprises: a) obtaining a first dataset comprising data representative of a plurality of network events in a first network; b) obtaining a second dataset comprising data representative of a plurality of network events in a second network; c) performing covariate shift analysis on the first dataset and the second dataset to identify and classify a plurality of differences between the first dataset and the second dataset; d) performing domain adaptation on the first dataset, based on a classified difference, to generate a training dataset; e) training a machine learning model using the training dataset to produce a trained threat detection model.
There is disclosed a computer implemented method (200) of monitoring a machine learning model for enabling identification of fraudulent activity in a network, and providing corrective actions. The method comprises applying (201) a machine learning model to a dataset relating to activity in a network, the dataset comprising a plurality of features as inputs into the machine learning model, the machine learning model having been trained on a training dataset to identify fraudulent activity in a network; monitoring a feature of the plurality of features to determine drift of the feature from an expected value indicating incorrect identification of whether activity is fraudulent or not fraudulent, wherein the step of monitoring comprises: determining (203) a feature distribution for the feature at a current time; comparing (205) the determined feature distribution to a reference feature distribution for the feature, the reference feature distribution determined from the training dataset; determining (207) an unexpected discrepancy between the determined feature distribution and the reference feature distribution that indicates feature drift; and taking (209) corrective action based on determining the unexpected discrepancy between the determined feature distribution and the reference feature distribution that indicates feature drift.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
A method of providing batch payment clearing is described, as is a clearing system implemented by a suitably programmed computer system or network to implement it. A plurality of payments are received for clearing and settlement between account holders of participating financial institutions for clearing and settlement, wherein the plurality of payments are received during a settlement cycle. At the end of the settlement cycle, a net change in position is calculated for each participating financial institution. A pseudo settlement agent associated with a real time payment clearing service is then used to determine whether the net changes in position for each participating financial institution meet the rules of the real-time payment clearing service. If the net changes in position for each participating financial institution meet the rules of the real-time payment clearing service, the plurality of payments are forwarded to participating financial institutions as cleared and the net fund movements are forwarded for adjusting liquidity positions of the participating financial institutions held within the pseudo settlement agent or associated real-time payment clearing service to reflect the net funds movements.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
An apparatus is described that comprises: communication circuitry configured to receive from a submitter, over a network, a data item being of a first data type and processing circuitry configured to: transform the first data type to a second, different, data type; remove non-significant content from the data item in the second data type; generate a hash of the data item having non-significant content removed to be signed; and provide the hash for signing.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
A method for migrating an account of a Client (A) with a current Financial Institution (30) to a new Financial Institution (40), wherein both the current Financial Institution (30) and the new Financial Institution (40) are connected to a Bill Pay Platform (10) for receiving and processing Requests For Payment (RFPs) associated with outstanding bills issued by Billers (20, 21, 22) and intended for Clients (A, B) of said Financial Institutions (30, 40), said method comprising: hosting (101) on the Bill Pay Platform (10) bill data of a Client (A) relating to the processing of RFPs intended for the Client (A), linking (102) the bill data of the Client (A) to a current Financial Institution (30) to allow routing of RFPs intended for the Client (A) to said Financial Institution (30), sending (103), by the Client (A) to a new Financial Institution (40), a request for taking over the responsibility for the processing of RFPs intended for the Client (A) from the current Financial Institution (30), receiving (104), by the new Financial Institution (40), the request from Client (A) to take over responsibility for the processing of RFPs intended for the Client (A) from the current Financial Institution (30), forwarding (105), by the new Financial Institution (40) of the request to take over the responsibility for the processing of the RFPs intended for the Client (A) to the Bill Pay Platform (10), receiving (106), by the Bill Pay platform (10), the request from the new Financial Institution (40) to take over the responsibility for the processing of RFPs intended for the Client (A) in place of current financial Institution (30), and linking (107), by the Bill Pay Platform (10), the bill data of the Client (A) to the new Financial Institution (40) to allow routing of RFPs intended for the Client (A) to said new Financial Institution (40).
A method for migrating an account of a client with a current financial institution to a new financial institution is provided. The current financial institution and the new financial institution are connected to a bill pay platform for receiving and processing requests for payment (RFPs) associated with outstanding bills issued by billers and intended for clients of the financial institutions. The method may include hosting bill data on the bill pay platform and linking the bill data of a client to a current financial institution. The client sends a request to the new financial institution to take over the responsibility for processing RFPs. The new financial institution forwards the request to the bill pay platform. The bill pay platform links the bill data of the client to the new financial institution to allow routing of RFPs intended for the client to the new financial institution.
Systems and methods are provided for allocating resources between data centers in response to insufficient resources at one of the data centers. One example computer-implemented method includes allocating, by a resource manager of a data center, resources for an institution, from a resource pool specific to the institution, to each of multiple nodes of the data center; receiving a request, from one of the multiple nodes, for additional resources for the institution; in response to the request, determining, by the resource manager, whether the resource pool specific to the institution includes the additional resources; and based on the additional resources not being included in the resource pool specific to the institution, instructing, by the resource manager the one of the multiple nodes to shut down and return remaining resources of the one of the multiple nodes to the resource pool specific to the institution.
An apparatus, method and computer program product for identifying a validation check for a set of numbers is provided. The apparatus comprises circuitry configured to: obtain first data comprising a set of unique numbers for which a validation check is unknown; determine a plurality of candidate validation functions to apply to the first data; determine a plurality of candidate weightings to apply to the first data; for each of the plurality of candidate validation functions and each of the plurality of candidate weightings: apply the candidate validation function to the first data; and determine, for each number of the set of unique numbers, whether the candidate validation function confirms that the number is valid; and when the number of confirmations for a candidate weighting and a candidate validation function is above a predetermined threshold, identify the candidate validation function and candidate weighting as the validation check for the first data.
Systems and methods are provided for allocating resources between data centers. One example computer-implemented method includes determining by a first data center, in response to a request for resources, whether the resources exceed remaining resources of the first data center. In response to determining that the requested resources exceed the remaining resources of the first data center, the first data center reserves its remaining resources, appends an entry for the remaining resources to a ledger, and submits a request to a second data center to reserve a difference between the resources in the request and the remaining resources of the first data center. Then, in response to a time interval expiring without the reserved remaining resources being utilized, the reserved remaining resources identified in the entry in the ledger are released for use in a subsequent request for the resources.
Systems and methods are provided for allocating resources between data centers in response to insufficient resources at one of the data centers. One example computer-implemented method includes determining by a first data center, in response to a request for resources, whether the resources exceed remaining resources of the first data center. In response to determining that the requested resources exceed the remaining resources of the first data center, the first data center reserves its remaining resources, appends an entry for the remaining resources to a ledger, and submits a request to a second data center to reserve a difference between the resources in the request and the remaining resources of the first data center. Then, in response to a time interval expiring without the reserved remaining resources being utilized, the reserved remaining resources identified in the entry in the ledger are refunded to the first data center.
There is disclosed a computer implemented method (200) of monitoring a machine learning model for enabling identification of fraudulent activity in a network, and providing corrective actions. The method comprises applying (201) a machine learning model to a dataset relating to activity in a network, the dataset comprising a plurality of features as inputs into the machine learning model, the machine learning model having been trained on a training dataset to identify fraudulent activity in a network; monitoring a feature of the plurality of features to determine drift of the feature from an expected value indicating incorrect identification of whether activity is fraudulent or not fraudulent, wherein the step of monitoring comprises: determining (203) a feature distribution for the feature at a current time; comparing (205) the determined feature distribution to a reference feature distribution for the feature, the reference feature distribution determined from the training dataset; determining (207) an unexpected discrepancy between the determined feature distribution and the reference feature distribution that indicates feature drift; and taking (209) corrective action based on determining the unexpected discrepancy between the determined feature distribution and the reference feature distribution that indicates feature drift.
A computer-implemented method to transfer an electronic value amount to a recipient comprising: receiving an electronic message indicating the electronic value amount and the recipient; determining a category associated with the recipient of the electronic value amount; selecting, based on the determined category, the one of the plurality of parties storing electronic value from which to transfer the electronic value amount, the selected one of the plurality of parties storing electronic value being associated with the determined category; and outputting an electronic message to a computing device associated with the selected one of the plurality of parties storing electronic value instructing the computing device to transmit a request message to a user device operable by an owner of the electronic value.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
15.
METHOD APPARATUS AND COMPUTER PROGRAM PRODUCT FOR CONSTRUCTING A SET OF MOTIFS FOR USE IN DETECTING MESSAGES OF INTEREST
A method of constructing a set of motifs for use in detecting messages of interest in a network of nodes is provided, the method comprising controlling circuitry to: acquire target data, the target data comprising a set of messages which have been exchanged between nodes in the network, the set of messages including a number of messages of interest; acquire control data, the control data comprising a set of messages which have been produced based on a random exchange of messages between nodes in the network; detect motifs within the target data and the control data, each motif being a repeated pattern of messages appearing within either the target data and/or the control data; generate a set of values indicative of a significance of the motifs which have been detected in the target data and the motifs which have been detected in the control data using a frequency with which these motifs have been detected; and construct a set of motifs for use in detecting messages of interest in the network using the set of values which have been produced and a comparison of the motifs detected in the target data with the motifs detected in the control data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
An apparatus, method and computer program product for identifying a validation check for a set of numbers is provided. The apparatus comprises circuitry configured to obtain first data, the first data comprising a set of unique numbers for which a validation check is unknown, each number of the set of unique numbers being a multi-digit number having a predetermined length; determine a plurality of candidate validation functions to apply to the first data, each of the plurality of candidate validation functions being configured to take a number and weighting as input to the function and return, on the basis of the input, confirmation of whether the number is valid; determine a plurality of candidate weightings to apply to the first data; and for each of the plurality candidate validation functions and each of the plurality candidate weightings: apply the candidate validation function to first data using the set of unique numbers and the candidate weighting as input; and determine, for each number of the set of unique numbers, whether the candidate validation function confirms that the number is valid using the candidate weighting; and when, for the first data, the number of confirmations for a candidate weighting and a candidate validation function is above a predetermined threshold, identify the candidate validation function and the candidate weighting as the validation check for the first data.
G06F 21/64 - Protection de l’intégrité des données, p. ex. par sommes de contrôle, certificats ou signatures
G06F 7/38 - Méthodes ou dispositions pour effectuer des calculs en utilisant exclusivement une représentation numérique codée, p. ex. en utilisant une représentation binaire, ternaire, décimale
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
H04L 1/00 - Dispositions pour détecter ou empêcher les erreurs dans l'information reçue
17.
APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT FOR IDENTIFYING A MESSAGE OF INTEREST EXCHANGED BETWEEN NODES IN A NETWORK
An apparatus, method and computer program product is provided in accordance with embodiments of the disclosure, for identifying a message of interest exchanged between nodes in a network. The apparatus comprising circuitry configured to: receive information of nodes in a network, the information including at least a unique identifier of each node; receive information of messages which have been exchanged between the nodes, the information comprising at least the unique identifier of the nodes related to each exchange of messages; for each node, transform the information of messages which have been exchanged into an individual set of interactions comprising the unique identifiers of nodes the node has exchanged messages with; determine a level of mutual interaction between nodes in the network using the individual set of interactions of each node, wherein a first node has a mutual interaction with a second node when the unique identifier of the second node is contained in the individual set of interactions of the first node and/or the unique identifier of a third node is contained in the individual set of interactions of each of the first and second node; and identify a message as a message of interest when the message is exchanged between nodes having a level of mutual interaction below a predetermined threshold.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
18.
METHOD, APPARATUS AND COMPUTER PROGRAM PRODUCT FOR IDENTIFYING ACCOUNTS OF INTEREST IN A NETWORK
A method, apparatus and computer program product for identifying accounts of interest in a network are provided, the method comprising controlling circuitry to: receive information indicative of a plurality of target accounts, the plurality of target accounts including at least a portion of the accounts in the network; monitor for each target account of the plurality of target accounts, at a number of instances of time, connections between that target account and other accounts in the network; using a result of the monitoring, select target accounts associated with an increase of connections to accounts in the network with which the target account has no previous connection, above a first threshold level, as a first set of accounts; using a result of the monitoring, select target accounts associated with a decrease in connections to accounts in the network with which the target account has a previous connection, above a second threshold level, as a second set of accounts; and identify at least one target account of the plurality of target accounts as an account of interest when the at least one target account is present in both the first and second set of accounts.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
19.
A METHOD, APPARATUS AND COMPUTER PROGRAM PRODUCT FOR REPORTING AN EXCHANGE OF MESSAGES BETWEEN NODES IN A NETWORK
A method, apparatus and computer program product for reporting an exchange of messages between nodes in a network is provided by the present disclosure, the method comprising: receiving from a first device, using circuitry, a request for data for a target node, the data indicative of an exchange of messages between nodes in a network linked to the target node determining, by the circuitry, whether a request for data for the target node has previously been received; and, when a request for data for the target node has previously been received, the method comprises: building, by the circuitry, data indicative of the exchange of messages between nodes in the network linked to the target node; identifying, by the circuitry, a new portion of the data based on a comparison of the data with previous data which has been built for the target node; and reporting to the first device, by the circuitry, the new portion of the data.
An apparatus, method and computer program product are provided, the apparatus for identifying a set of messages of interest in a network, the apparatus comprising circuitry configured to: receive information of a plurality of sets of messages which have been exchanged by nodes in a network; select a portion of the plurality of sets of messages which have been received using a property of a source message of each set of messages of the plurality of sets of messages; generate individual first values for the nodes of each set of messages of the selected portion of the plurality of sets of messages using a property of the nodes associated with each set of messages; and identify at least one set of messages of the selected portion of the plurality of sets of messages as a set of messages of interest using the individual first values which have been generated for the selected portion of the sets of messages.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
Methods and switches are provided for communicating electronic messages between financial institutions. One example method includes receiving, at a first switch of a plurality of switches, an electronic message for a transaction, where the electronic message includes a unique identifier for the transaction, and identifying, by the first switch, one of the plurality of switches to process the electronic message based on the unique identifier. The method also includes, in response to the first switch being the identified one of the plurality of switches, processing, by the first switch, the electronic message and, in response to a second switch of the plurality of switches being the identified one of the plurality of switches, forwarding, by the first switch, the electronic message to the second switch for processing.
H04L 51/23 - Contrôles de fiabilité, p. ex. acquittements ou signalement de fautes
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
22.
System and server for receiving transaction requests
A gateway is provided for controlling transfer of electronic messages between a financial institution and a transaction processing system comprising a plurality of switches. The gateway includes communication circuitry operable to receive an electronic message issued by the financial institution and processing circuitry operable to determine whether the electronic message includes enough information for a switch of the transaction processing system to process the electronic message. In response to the electronic message including enough information, the communication circuitry is further operable to transmit the electronic message over a data communications network for storage in a message queue unit associated with the transaction processing system for subsequent processing by the switch. In response to the electronic message not including enough information, the communication circuitry is operable to return the electronic message to the financial institution.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
An apparatus is described. The apparatus comprises: communication circuitry configured to receive from a submitter, over a network, a data item of a first data type, wherein the data item comprises a plurality of components and the apparatus further comprises: processing circuitry configured to: sequentially receive the plurality of components of the data item and for each component in succession in the sequence, the processing circuitry is configured to: remove non-significant content from the component of the data item; generate a data item of a second data type from the sequentially received plurality of components; generate a hash of the generated data item; and provide the hash for signing.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
H04L 9/06 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p. ex. système DES
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
24.
Apparatus, computer program and method for use in transforming data types
An apparatus is described that comprises: communication circuitry configured to receive from a submitter, over a network, a data item being of a first data type and processing circuitry configured to: transform the first data type to a second, different, data type; remove non-significant content from the data item in the second data type; generate a hash of the data item having non-significant content removed to be signed; and provide the hash for signing.
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
25.
DETECTION OF SECURITY THREATS IN A NETWORK ENVIRONMENT
A computer-implemented method for training a machine learning model to identify one or more network events associated with a network and representing a network security threat, the one or more network events being within a population comprising a plurality of network events, the method comprising: a) obtaining a dataset comprising data representative of the plurality of network events; b) defining a machine learning model associated with a type of network event and having an associated first feature vector; c) generating a training dataset comprising a fraction of the dataset, the fraction associated with network events corresponding to the type of network event; and d) training the machine learning model using the training dataset to produce a trained machine learning model.
A data processing method comprising: recording a plurality of electronic value transfers occurring between a plurality of parties; performing an optimisation process on a matrix indicative of a value of each of net electronic value transfers between each of the parties, wherein the matrix is indicative of a relationship between a first electronic store of value held by each of the parties before execution of the net electronic value transfers and a second electronic store of value held by each of the parties after execution of the net electronic value transfers, and the optimisation process comprises selecting a portion of the electronic value transfers for determining the net electronic value transfers indicated by the matrix so as to minimise a difference between the first and second electronic stores of value held by each of the parties; and outputting the selected portion of the electronic value transfers for processing.
G06F 9/30 - Dispositions pour exécuter des instructions machines, p. ex. décodage d'instructions
G06F 9/46 - Dispositions pour la multiprogrammation
G06Q 10/04 - Prévision ou optimisation spécialement adaptées à des fins administratives ou de gestion, p. ex. programmation linéaire ou "problème d’optimisation des stocks"
G06F 9/345 - Adressage de l'opérande d'instruction ou du résultat ou accès à l'opérande d'instruction ou au résultat d'opérandes ou de résultats multiples
27.
Method, apparatus and system for electronic payments
A system for allowing electronic payments through use of a unique proxy includes a first server, a first registration database and a first lookup database. The first server receives an electronic registration request message, including registration information of a first user, from a financial institution of the first user. The first registration database then copies a subset of the registration information, including a unique proxy of the first user, to the first lookup database as the first user's lookup information. When the first server receives an electronic proxy payment request message, including the unique proxy of the first user, from a financial institution of a second user, the first server looks up the first user's lookup information in the first lookup database on the basis of the unique proxy of the first user and transmits the first user's lookup information to the financial institution of the second user.
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
A method of verifying the destination of a transaction between nodes in a network includes receiving transaction information corresponding to a transaction between the nodes, where the transaction information comprises a unique destination identifier and a destination name and where the unique destination identifier defines a destination account of the transaction; obtaining from a storage unit a set of names used in previous transactions to that destination account; determining at least one disparity value between the destination name and the set of names; and producing a destination verification value based on the at least one disparity value, wherein the destination verification value is used to verify whether the transaction between nodes should proceed.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
29.
Interface, method and computer program product for controlling the transfer of electronic messages
An interface is provided for controlling transfer of electronic transaction messages between a financial institution and switches distributed amongst a plurality of switch sites. The financial institution and the switches are connected via a data communications network. Communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message is received from that switch site for a predetermined time. And, in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site. If the echo is received within a defined time, processing circuitry is operable to then set the operational status of the switch site as operational, and if the echo is not received within the defined time, the operational status of the switch site is set as not operational.
G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p. ex. pour le traitement simultané de plusieurs programmes
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
30.
A METHOD, APPARATUS AND COMPUTER PROGRAM PRODUCT FOR EXCHANGING MESSAGES ACROSS A NETWORK
A method of exchanging messages across a network, the method comprising receiving a resource request message from an asset controller, the resource request message comprising asset data and a resource request, analysing the resource request message in order to select at least one resource candidate from a plurality of available resource candidates, the resource candidates having a resource for exchange with the asset, sending the resource request message to the selected at least one resource candidate, receiving a resource approval message from the at least one resource candidate, the resource approval message being indicative of an approval to supply the resource in accordance with the resource request message, and in the event that the resource approval message indicates approval to supply the resource, generating a transaction authorisation message, the transaction authorisation message being used to authorise a transaction to supply the resource on the basis of the resource request message.
G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projetsPlanification d’entreprise ou d’organisationModélisation d’entreprise ou d’organisation
A data processing apparatus including communication circuitry configured to receive data indicative of a user and data indicative of an instruction associated with the user, and control circuitry configured to determine whether the received data indicative of the user and data indicative of the instruction associated with the user have been generated in the absence of an explicit command from the user using previously obtained data indicative of the user and data indicative of an instruction associated with the user, to determine whether the received data indicative of the user and data indicative of the instruction associated with the user include a predetermined characteristic, to execute processing to reject the instruction associated with the user as indicated by the received data, and to execute processing to accept the instruction associated with the user as indicated by the received data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06F 16/9035 - Filtrage basé sur des données supplémentaires, p. ex. sur des profils d'utilisateurs ou de groupes
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
A data processing apparatus comprising: communication circuitry configured to receive data indicative of a user and data indicative of an instruction associated with the user; and control circuitry configured: to determine whether the received data indicative of the user and data indicative of the instruction associated with the user have been generated in the absence of an explicit command from the user using previously obtained data indicative of the user and data indicative of an instruction associated with the user; if it is determined that the received data indicative of the user and data indicative of the instruction associated with the user have been generated in the absence of an explicit command from the user using previously obtained data indicative of the user and data indicative of an instruction associated with the user, to determine whether the received data indicative of the user and data indicative of the instruction associated with the user comprise a predetermined characteristic; if the received data indicative of the user and data indicative of the instruction associated with the user comprise the predetermined characteristic, to execute processing to reject the instruction associated with the user as indicated by the received data; and if the received data indicative of the user and data indicative of the instruction associated with the user do not comprise the predetermined characteristic, to execute processing to accept the instruction associated with the user as indicated by the received data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/24 - Schémas de crédit, c.-à-d. de "paiement différé"
A network simulation system comprises a request processor and a simulation engine. The request processor receives node data indicative of resource levels of nodes of the network, and relationship data indicative of relationship parameters of a plurality of relationships between the nodes. The simulation engine outputs a stream of event data based on the relationship data. Respective events are generated by: determining source and destination nodes, and corresponding relationship parameters for the relationship between them; determining an event time based on a rate parameter of the corresponding relationship parameters; determining a transfer value; and if the transfer value does not exceed a current resource level of the source node, modifying current resource levels of the source and destination nodes according to the transfer value, and generating, at the event time, event data comprising a timestamp, a source node identifier of the source node, a destination node identifier of the destination node, and the transfer value.
Provided herein is a method for delivering web content to a computer user where the computer user must provide data for verification. A control presented by a first web page provided by a requesting server of a requesting party may be selected to request a further web page where data may be entered that requires verification. The requesting server may redirect the computer user to a verifying server that may provide a second web page to fulfil the request for the further web page. The second web page may be presented as a foreground window positioned over a backdrop frame. The foreground window may be provided with fields for entering the data and the backdrop frame may be provided by the requesting party. The verifying server may verify data entered in the foreground window and may send the requesting server a notification as to whether the verification was successful.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Provided herein is a method of facilitating a transaction between a payer and a payee using a push payment. The payee sends a request for a payment identification code to a payment agent with payment information. The payment agent generates a unique payment identification code and stores the code along with the associated payment information, and sends the payment identification code to the payee who provides the code to the payer. The payer sends the payment identification code to a financial institution that forwards the code to the payment agent, which uses the code to retrieve the previously stored payment information, and sends the information to the financial institution who forwards the information to the payer. The payer may review information and send a request to pay message including the code to the financial institution, which then arranges for a push payment from the payer to the payee.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
36.
Secure method of providing a delivery address during a tokenized transaction
The present disclosure relates to a secure method of providing a delivery address during a tokenized payment transaction scheme. A consumer places an order with a merchant without providing a delivery address. A distributor that collects payments due to the merchant requests a payment identification code and a delivery address from a payment agent. The request includes payment information. The payment agent generates and stores a payment identification code along with the payment information, and sends the code to the consumer via the distributor. The consumer forwards the code to a financial institution for forwarding to the payment agent who returns the payment information along with a request for a delivery address. The consumer may respond by authorizing the payment and by providing a delivery address. The financial institution then arranges the payment to the merchant and sees that the merchant receives the delivery address.
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 10/08 - Logistique, p. ex. entreposage, chargement ou distributionGestion d’inventaires ou de stocks
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
37.
Device, system, method and computer program product for processing electronic transaction requests
The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is con figured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
38.
System and server for receiving transaction requests
The present invention provides a system for receiving transaction requests from a financial institution, the system comprising i) a plurality of servers connected over a network, wherein each server comprises a storage unit configured to store a settlement risk position which is the sum of the value of previously processed transaction requests over a period of time, a debit cap value associated with the financial institution, an adjustment value and a new transaction request having a transaction value, wherein the debit cap value stored in each server is determined in accordance with the total debit cap attributed to the financial institution and the number of servers in the system; ii) communication circuitry configured to receive the adjustment value over the network, the adjustment value being determined as the average, value of the settlement risk position across the plurality of servers; and iii) control circuitry configured to determine whether the debit cap has been exceeded by comparing tire debit cap value with the sum of the settlement risk position, the adjustment value and the transaction value of the new transaction request, whereby in the event that the debit cap value will be exceeded, rejecting the new transaction request.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
39.
Interface, method and computer program product for controlling the transfer of electronic messages
The present invention provides an interface for controlling the transfer of electronic transaction messages between a first financial institution and a plurality of switches distributed amongst a plurality of switch sites, wherein the first financial institution and the plurality of switches are connected via a data communications network, the interface comprising communication circuitry, processing circuitry and memory storing the operational status of each switch site, wherein the communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message has been received from that switch site for a predetermined time, and in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site; wherein the processing circuitry is operable such that if the echo is received within a defined time then the operational status of the switch site is set as operational and if the echo is not received within the defined time then the operational status of the switch site is set as not operational; whereby in the event that the operational status of the switch site is set to not operational, the processing circuitry is operable such that no electronic messages are transferred to the switch site.
G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p. ex. pour le traitement simultané de plusieurs programmes
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Electronic publications; computer software. Market analysis; business data analysis; economic analysis
pertaining to geographic locations, socio-economic and
macro-economic analysis; business data and statistics
analysis; creation of statistics; business consultancy;
electronic data processing services; data analysis services;
business data analysis namely data insights; business data
analysis namely data science; data management services;
commoditisation of data; provision of information and
advisory services relating to the aforesaid; none of the
aforementioned being legal services or other services
ancillary to legal services for M&A transactions. Financial services; financial analysis; dissemination of
financial information, financial information rendered by
computer by means of a secure information computer network;
verification of financial information; information services
relating to the aforesaid services, including such services
provided via the Internet; none of the aforementioned being
legal services or other services ancillary to legal services
for M&A transactions. Computer programming; computer software design and
consultancy; installation, maintenance and updating of
computer software; webportal design; rental of computer
software; computer system design and analysis; data
conversion of computer programs and data; development and
testing of algorithms; data aggregation; data mining;
provision of geographical information; electronic data
storage services; information services relating to all of
the aforesaid services, including such services provided via
the Internet.
41.
System, method and computer program product for receiving electronic messages
The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
42.
Method and device for processing electronic payment instructions
A method of processing a payment instruction including: receiving a payment instruction from a user, the payment instruction including payment details and an electronic signature, the electronic signature being destroyed if the content of payment instruction is altered; checking presence of the electronic signature and confirming integrity of the payment instruction when the electronic signature is present; wherein in event the integrity of the payment instruction is confirmed, the method: i) stores the payment instruction in a first storage unit using a relational database management system (RDBMS); ii) replicates the payment instruction and stores the replicated payment instruction in a second storage unit using the RDBMS; and iii) transmits an acknowledgement signal to the user once the payment instruction has been successfully stored in the first storage unit and the replicated payment instruction has been successfully stored in the second storage unit.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06F 16/22 - IndexationStructures de données à cet effetStructures de stockage
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
43.
A SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR RECEIVING ELECTRONIC MESSAGES
The present invention provides a system for receiving electronic messages from a financial institution, the system comprising a plurality of switches configured to communicate with one another and to process the received electronic messages, wherein each switch includes processing circuitry that is configured to receive an electronic message that includes a unique identifier and, in dependence upon the unique identifier, either process the electronic message or forward the electronic message to another one of the switches for processing.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
44.
AN INTERFACE, METHOD AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING THE TRANSFER OF ELECTRONIC MESSAGES
The present invention provides an interface for controlling the transfer of electronic transaction messages between a first financial institution and a plurality of switches distributed amongst a plurality of switch sites, wherein the first financial institution and the plurality of switches are connected via a data communications network, the interface comprising communication circuitry, processing circuitry and memory storing the operational status of each switch site, wherein the communication circuitry is operable to transmit a test message to one of the switch sites over the data network if no transaction message has been received from that switch site for a predetermined time, and in response to the test message, the communication circuitry is operable to receive an echo of the test message from the switch site; wherein the processing circuitry is operable such that if the echo is received within a defined time then the operational status of the switch site is set as operational and if the echo is not received within the defined time then the operational status of the switch site is set as not operational; whereby in the event that the operational status of the switch site is set to not operational, the processing circuitry is operable such that no electronic messages are transferred to the switch site.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
H04L 43/0805 - Surveillance ou test en fonction de métriques spécifiques, p. ex. la qualité du service [QoS], la consommation d’énergie ou les paramètres environnementaux en vérifiant la disponibilité
H04L 43/10 - Surveillance active, p. ex. battement de cœur, utilitaire Ping ou trace-route
H04L 51/23 - Contrôles de fiabilité, p. ex. acquittements ou signalement de fautes
H04L 69/40 - Dispositions, protocoles ou services de réseau indépendants de la charge utile de l'application et non couverts dans un des autres groupes de la présente sous-classe pour se remettre d'une défaillance d'une instance de protocole ou d'une entité, p. ex. protocoles de redondance de service, état de redondance de protocole ou redirection de service de protocole
45.
A DEVICE, SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING ELECTRONIC TRANSACTION REQUESTS
The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is configured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
46.
AN INTERFACE, SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT FOR CONTROLLING THE TRANSFER OF ELECTRONIC MESSAGES
The present invention provides an interface for controlling the transfer of electronic messages between a financial institution and a transaction processing system for processing the messages, wherein the financial institution is connected to the transaction processing system via a data communications network, the interface comprising communication circuitry operable to receive an electronic message issued by the financial institution; and processing circuitry operable to determine whether the format of the electronic message conforms to a predetermined standard necessary for processing of the electronic message; and in the event that the format of the electronic message does conform to the predetermined standard, the communication circuitry is further operable to transmit the electronic message over the network for storage in a message queue unit associated with the transaction processing system; and in the event that the format of the electronic message does not conform to the predetermined standard, the communication circuitry is operable to return the electronic message to the financial institution.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
The present invention provides a system for receiving transaction requests from a financial institution, the system comprising i) a plurality of servers connected over a network, wherein each server comprises a storage unit configured to store a settlement risk position which is the sum of the value of previously processed transaction requests over a period of time, a debit cap value associated with the financial institution, an adjustment value and a new transaction request having a transaction value, wherein the debit cap value stored in each server is determined in accordance with the total debit cap attributed to the financial institution and the number of servers in the system; ii) communication circuitry configured to receive the adjustment value over the network, the adjustment value being determined as the average value of the settlement risk position across the plurality of servers; and iii) control circuitry configured to determine whether the debit cap has been exceeded by comparing the debit cap value with the sum of the settlement risk position, the adjustment value and the transaction value of the new transaction request, whereby in the event that the debit cap value will be exceeded, rejecting the new transaction request.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/26 - Schémas de débit, c.-à-d. de "paiement immédiat"
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
09 - Appareils et instruments scientifiques et électriques
Produits et services
Financial services in the nature of electronic banking via global computer network, electronic mobile banking, provision of electronic payment services involving electronic processing and subsequent transmission of bill payment data, processing of electronic point of sale transactions via global computer network and provisions of automated teller machine services; debit card and credit card services; electronic funds transfer and payment services involving electronic processing and subsequent transmission of bill payment data; financial clearing house services; same day credit services, namely, same-day electronic transfer of money from one account to another; money transfer services; inter-bank transfer services, namely, direct bank-to-bank electronic transfers of money and providing bank account information by telephone; electronic funds transfer in support of electronic conveyancing services; providing a website featuring information relating electronic banking services, including such services provided via the Internet; providing a website featuring information related to banking and banking services provided via the Internet Computer programming, computer software design and consultancy, computer system design and analysis in the field of electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; data conversion of computer programs and data in the field of electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; installation, maintenance and updating of computer software in the field of electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; computer services, namely, validating other company's trusts, namely, using computer systems, namely, on-line scanning, detecting, quarantining and eliminating of viruses, worms, trojans, spyware, adware, malware and unauthorized data and programs on computers and electronic devices [ Computer software which allows customers and financial institutions to process transactions and information related to bank accounts in the field of electronic banking, electronic mobile banking, electronic payment services, electronic point of sale transactions processing and automated teller services; Prerecorded magnetic data carriers featuring information in the field of electronic banking, electronic mobile banking, electronic payment services, electronic point of sale transactions processing and automated teller services; Computer operating programs in the field of electronic banking, electronic mobile banking, electronic payment services, electronic point of sale transactions processing and automated teller services; Downloadable electronic publications, namely, booklets, newsletters, magazines, manuals, brochures, pamphlets, journals, instructional and informational guides, guides, usage guide and articles in the field of electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; Data processing equipment and computers, in the field of electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services ]
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer software, computer programs, magnetic data carriers; computer operating programs; electronic publications (downloadable); data processing equipment and computers; all for use in electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services. Financial services; debit card and credit card services; electronic funds transfer and payment services; clearing services; automated clearing services; same day credit services; money transfer services; inter-bank transfer services; electronic funds transfer in support of electronic conveyancing services; validating other company’s trusts; information services relating to the aforesaid services, including such services provided via the Internet. Education; provision of training; arranging and conducting of seminars, symposiums, workshops and conferences; publication of texts; provision of education information; provision of online electronic publications. Computer programming; computer software design and consultancy; computer system design and analysis; data conversion of computer programs and data; all relating to electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; installation, maintenance and updating of computer software; rental of computers and computer software; rental of web servers; creating and maintaining websites for others; technical assessment of computer bureau; information services relating to all of the aforesaid services, including such services provided via the Internet.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer software, computer programs, magnetic data carriers; computer operating programs; electronic publications (downloadable); data processing equipment and computers; all for use in electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services. Financial services; debit card and credit card services; electronic funds transfer and payment services; clearing services; automated clearing services; same day credit services; money transfer services; inter-bank transfer services; electronic funds transfer in support of electronic conveyancing services; validating other company’s trusts; information services relating to the aforesaid services, including such services provided via the Internet. Education; provision of training; arranging and conducting of seminars, symposiums, workshops and conferences; publication of texts; provision of education information; provision of online electronic publications. Computer programming; computer software design and consultancy; computer system design and analysis; data conversion of computer programs and data; all relating to electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provisions of automated teller services; installation, maintenance and updating of computer software; rental of computers and computer software; rental of web servers; creating and maintaining websites for others; technical assessment of computer bureau; information services relating to all of the aforesaid services, including such services provided via the Internet.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer software, computer programmes, magnetic data carriers; computer operating programmes; electronic publications (downloadable); data processing equipment and computers; all for use in electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provision of automated teller services. Financial services; debit card and credit card services; electronic funds transfer and payment services; clearing services; automated clearing services; same day credit services; money transfer services; inter-bank transfer services; electronic funds transfer in support of electronic conveyancing services; validating other company's trusts; information services relating to the aforesaid services, including such services provided via the Internet. Education; provision of training; arranging and conducting of seminars, symposiums, workshops and conferences; publication of texts; provision of education information; provision of online electronic publications. Computer programming; computer software design and consultancy; computer system design and analysis; data conversion of computer programmes and data; all relating to electronic banking, electronic mobile banking, provision of electronic payment services, processing of electronic point of sale transactions and provision of automated teller services; installation, maintenance and updating of computer software; rental of computers and computer software; rental of web servers; creating and maintaining websites for others; technical assessment of computer bureau; information services relating to all of the aforesaid services, including such services provided via the Internet.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Computer software, magnetic data carriers, computer programs; all for use in relation to automated payment services. Electronic funds transfer and payment services; clearing services; automated clearing services, same day credit services; money transfer services, inter-bank transfer services; electronic conveyancing services; bureau vetting services; validating other company's trusts; information services relating to the aforesaid services including such services provided by the Internet or extranets. Computer consultancy services in the field of automated payment services, computer consultancy services in respect of computer software relating to automated payment services; information services relating to all the aforesaid services including such services provided via the Internet.
