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Published by breakingthesilence
part of the process ofpatent for the Universal Value Exchange
part of the process ofpatent for the Universal Value Exchange

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Published by: breakingthesilence on Sep 14, 2013
Copyright:Attribution Non-commercial

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11/04/2013

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(12) International Application Status Report
Received at International Bureau:
23 January 2012 (23.01.2012)
Report generated on:
14 September 2013 (14.09.2013)
(10) Publication number:
WO2012/097108
(43) Publication date:
19 July 2012 (19.07.2012)
(26) Publication language:
English (EN)
(21) Application Number:
PCT/US2012/021000
(22) Filing Date:
11 January 2012 (11.01.2012)
(25) Filing language:
English (EN)
(31) Priority number(s):(31) Priority date(s):(31) Priority status:
61/431,775 (US)11 January 2011 (11.01.2011)Priority document received (in compliancewith PCT Rule 17.1)
(51) International Patent Classification:
G06Q 40/00
(2012.01)
(71) Applicant(s):
VISA INTERNATIONAL SERVICE ASSOCIATION [US/US]; P.O. Box 8999, MS M1-11F San Francisco, California94128-8999 (US)
(for all designated states except US)
SALMON, Diane [US/US]; 3867 Quail Ridge Road Lafayette, California 94549 (US)
(for US only)
FRENCH, Susan [US/US]; 615 Plymouth Lane Foster City, CA 94404 (US)
(for US only)
GRAHAM, Victoria [US/US]; 19248 E. Costilla Place Centennial, CO 80016 (US)
(for US only)
BHARGAVA, Amit [IN/US]; 5951 Killarney Circle San Jose, CA 95138 (US)
(for US only)
JHA, Shipra [IN/US]; 150 Melendez Avenue Fremont, CA 94539 (US)
(for US only)
CARLSON, Mark [US/US]; 153 Miramontes Ave. Half Moon Bay, CA 94019 (US)
(for US only)
KATZIN, Edward, N. [US/US]; 195 Bella Vista Drive Hillsborough, CA 94010 (US)
(for US only)
HUA, Julian [US/US]; 338 Spear Street Unit 9E San Francisco, CA 94105 (US)
(for US only)
(72) Inventor(s):
SALMON, Diane; 3867 Quail Ridge Road Lafayette, California 94549 (US)FRENCH, Susan; 615 Plymouth Lane Foster City, CA 94404 (US)GRAHAM, Victoria; 19248 E. Costilla Place Centennial, CO 80016 (US)BHARGAVA, Amit; 5951 Killarney Circle San Jose, CA 95138 (US)JHA, Shipra; 150 Melendez Avenue Fremont, CA 94539 (US)CARLSON, Mark; 153 Miramontes Ave. Half Moon Bay, CA 94019 (US)KATZIN, Edward, N.; 195 Bella Vista Drive Hillsborough, CA 94010 (US)HUA, Julian; 338 Spear Street Unit 9E San Francisco, CA 94105 (US)
(74) Agent(s):
HANCHUK, Walter; Chadbourne & Parke LLP 30 Rockefeller Plaza New York, New York 10112 (US)
(54) Title (EN):
UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS
(54) Title (FR):
APPAREILS, PROCÉDÉS ET SYSTÈMES D'ÉCHANGE DE VALEURS UNIVERSELLES
(57) Abstract:(EN):
[00230] The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS ("UVE") transformcross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In oneembodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources anddestinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associatedwith the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. Inone implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and thedestinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE mayalso issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange hasbeen completed and provide a notification of completion of the cross-ecosystem currency exchange.

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