GINC Patents
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Strategic Infrastructure

Payments & Settlement Systems

Payments and settlement systems covers the infrastructure through which money moves, including real-time gross settlement systems, national payment switches, automated clearing houses, card and instant payment schemes, and mobile-money platforms. One of the capabilities of Financial Infrastructure.

International families
25k2015 to 2024
Leading country
United States2.4× the next
All families
105khome filings included
Over five years
Falling2020 to 2024 against the five before

Year by year

Patent families by country of origin and the year of the earliest filing, 2000 to 2025; 2025 is a part year, still filling in. International families are those for which protection was sought beyond one country.

Volume

International patent families in the capability, by the year of the earliest filing.

Source: Global Institute for National Capability (GINC), 2026. Underlying patents from 107 patent offices, IFI CLAIMS and Google

Share by country

Each country's share of the year's international families, in per cent: the capability's five largest countries of origin, 2015 to 2024, and the rest of the world.

Source: Global Institute for National Capability (GINC), 2026. Underlying patents from 107 patent offices, IFI CLAIMS and Google

Country leaderboard

International patent families, 2015 to 2024, by country of origin. Growth compares the latest five full years with the five before.

Ten largest

United States

Japan

China

South Korea

Germany

Canada

Cayman Islands

France

United Kingdom

Singapore

8,689

3,604

3,322

2,540

750

700

675

633

502

381

2000 to 2025
1United States8,68934.4%0.8×
21,679
2Japan3,60414.3%0.9×
11,718
3China3,32213.1%0.6×
42,781
4South Korea2,54010.0%0.8×
17,366
5Germany7503.0%0.9×
1,087
6Canada7002.8%0.6×
1,306
7Cayman Islands6752.7%0.0×
743
8France6332.5%0.6×
882
9United Kingdom5022.0%0.7×
725
10Singapore3811.5%0.7×
471
11Switzerland3581.4%1.1×
453
12Taiwan3341.3%0.6×
1,469
13India2991.2%0.8×
420
14Australia2611.0%0.6×
465
15Israel2030.8%0.7×
335
16Türkiye1900.8%1.8×
540
17Sweden1740.7%0.8×
210
18Italy1580.6%0.9×
312
19Russia1340.5%0.7×
268
20Netherlands1150.5%0.5×
166
21Hong Kong1120.4%0.1×
151
22Ireland980.4%0.4×
145
23Spain790.3%0.9×
113
24Finland770.3%0.5×
92
25South Africa740.3%0.8×
80
26Brazil580.2%0.6×
224
27Austria530.2%0.8×
58
28Norway450.2%0.3×
58
29Belgium440.2%0.4×
54
30Saudi Arabia320.1%3.0×
44
31Portugal320.1%1.5×
41
32New Zealand290.1%0.7×
38
33Denmark270.1%0.7×
29
34Malaysia270.1%0.4×
44
35Poland250.1%0.8×
63
36Luxembourg230.1%0.4×
36
37Mexico180.1%0.5×
41
38Czechia150.1%0.3×
24
39Hungary80.0%0.3×
17
40Liechtenstein20.0%0.0×
3

Applicants

The largest applicants by international patent families, 2015 to 2024: across the world, then within each of the five countries with the most families in Payments & Settlement Systems. Names are as held in the source and are not consolidated across subsidiaries.

Global

25,285 international families

MASTERCARD INTERNATIONAL INC · United States

TOSHIBA TEC KK · Japan

ALIBABA GROUP HOLDING LTD · China

VISA INT SERVICE ASS · United States

ADVANCED NEW TECHNOLOGIES CO LTD · Cayman Islands

ALIBABA GROUP SERVICES LTD · Cayman Islands

1,217

941

874

694

686

606

United States

8,689 international families

MASTERCARD INTERNATIONAL INC

VISA INT SERVICE ASS

CAPITAL ONE SERVICES LLC

WALMART APOLLO LLC

PAYPAL INC

JPMORGAN CHASE BANK NA

1,208

686

595

235

204

170

Japan

3,604 international families

TOSHIBA TEC KK

NEC CORP

TOYOTA MOTOR CO LTD

TOYOTA MOTOR CORP

FUJITSU LTD

RAKUTEN GROUP INC

919

320

210

210

110

109

China

3,322 international families

ALIPAY HANGZHOU INF TECH CO LTD

TENCENT TECH SHENZHEN CO LTD

CHINA UNIONPAY CO LTD

HUAWEI TECH CO LTD

ALIPAY HANGZHOU TECH CO LTD

ALIBABA GROUP HOLDING LTD

289

234

199

185

182

139

South Korea

2,540 international families

SAMSUNG ELECTRONICS CO LTD

LG ELECTRONICS INC

COUPANG CORP

HYUNDAI MOTOR CO LTD

KIA CORP

KIA MOTORS CORP

342

127

126

88

68

54

Germany

750 international families

GIESECKE DEVRIENT ADVANCE52 GMBH

SIEMENS AG

BOSCH GMBH ROBERT

GIESECKE & DEVRIENT MOBILE SECURITY GMBH

WINCOR NIXDORF INT GMBH

BUNDESDRUCKEREI GMBH

64

63

44

39

24

22

Similar capabilities

The nine capabilities that share the most international patent families with Payments & Settlement Systems, 2015 to 2024: the families counted in both as a share of those counted in either. Each card shows its five largest countries.

Financial Strength

Payment & Market Infrastructure Oversight

67.2% shared · 16,997 families in both

United States

China

South Korea

Japan

Cayman Islands

6,452

2,381

1,618

1,604

589

Financial Strength

Financial Inclusion & Household Access

33.7% shared · 8,509 families in both

United States

South Korea

China

Japan

France

3,362

961

951

791

329

Financial Strength

Currency Issuance & Digital Money

23.4% shared · 8,015 families in both

United States

Japan

China

South Korea

Germany

4,952

2,438

1,902

1,526

1,399

Trade & Investment

Digital Trade & E-Commerce

16.0% shared · 6,560 families in both

United States

Japan

South Korea

China

Canada

6,376

4,793

3,598

2,845

590

Strategic Infrastructure

Banks, Insurers & Systemic Institutions

10.5% shared · 3,226 families in both

United States

China

Japan

South Korea

Canada

2,907

1,531

1,087

813

421

Production & Innovation

Digital Economy Adoption

10.4% shared · 9,291 families in both

United States

Japan

China

South Korea

Germany

21,362

15,584

10,966

7,828

2,749

Critical Technology

Privacy, Identity & Trust Technologies

9.7% shared · 8,471 families in both

United States

China

Japan

South Korea

Germany

20,167

13,819

8,702

6,734

3,966

Financial Strength

Banking System Capacity

9.6% shared · 2,651 families in both

United States

China

Japan

South Korea

Canada

1,677

722

638

486

297

Strategic Infrastructure

Markets, Exchanges & Depositories

7.8% shared · 2,143 families in both

China

United States

Japan

South Korea

Cayman Islands

1,322

1,185

384

363

253

Crosswalk

How Payments & Settlement Systems is matched to the patent classifications. The entries below were chosen for it; each stands for itself and everything beneath it in the scheme, 177 Cooperative entries in all. A patent family counts when any of its codes, in either scheme and at any office, falls under one of them. Codes since retired are placed under the entries that replaced them.

EntryTitle in the schemeWhy it is chosenCPC codesIPC codesDocuments
G06Q20/00Payment architectures, schemes or protocolsPayment architectures, schemes and protocols148261,478,964
G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification meansCard-operated payment mechanisms313115,964
G07G1/12Cash registers electronically operatedElectronic cash registers and point-of-sale terminals3260,234

CPC and IPC codes are the codes in use on patent documents, at any office, that fall under the entry. Documents is the larger of the two schemes' counts of documents carrying one of them. An entry with no IPC codes can be told apart only in the Cooperative scheme.

The Cooperative codes in use that count towards Payments & Settlement Systems: 182 codes on 1,613,998 documents. The 150 most used are listed; the full list is in the cpc-to-capability.csv download.

CodeTitleUnder entryHow placedDocuments
G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systemsG06Q20/00In the scheme48,184
G06Q20/40Authorisation, 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 listsG06Q20/00In the scheme42,315
G06Q20/20Point-of-sale [POS] network systemsG06Q20/00In the scheme40,906
G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chipG06Q20/00In the scheme37,448
G06Q20/401Transaction verificationG06Q20/00In the scheme36,806
G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison systemG07F7/08In the scheme35,668
G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key managementG06Q20/00In the scheme35,175
G06Q20/382Payment protocols; Details thereof insuring higher security of transactionG06Q20/00In the scheme33,487
G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]G06Q20/00In the scheme32,948
G06Q20/12Payment architectures specially adapted for electronic shopping systemsG06Q20/00In the scheme31,679
G06Q20/102Bill distribution or paymentsG06Q20/00In the scheme30,962
G06Q20/4014Identity check for transactionsG06Q20/00In the scheme30,266
G06Q20/40145Biometric identity checksG06Q20/00In the scheme29,442
G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cashG06Q20/00In the scheme28,060
G06Q20/322Aspects of commerce using mobile devices [M-devices]G06Q20/00In the scheme27,888
G06Q20/405Establishing or using transaction specific rulesG06Q20/00In the scheme27,373
G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processingG06Q20/00In the scheme26,706
G06Q20/3278RFID or NFC payments by means of M-devicesG06Q20/00In the scheme26,522
G06Q20/04Payment circuitsG06Q20/00In the scheme23,937
G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transactionG06Q20/00In the scheme23,196
G06Q20/18Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminalsG06Q20/00In the scheme22,744
G06Q20/385Payment protocols; Details thereof using an alias or single-use codesG06Q20/00In the scheme19,753
G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authenticationG06Q20/00In the scheme18,916
G06Q20/14Payment architectures specially adapted for billing systemsG06Q20/00In the scheme18,681
G06Q20/202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECRG06Q20/00In the scheme17,373
G06Q20/3825Use of electronic signaturesG06Q20/00In the scheme17,124
G06Q20/326Payment applications installed on the mobile devicesG06Q20/00In the scheme16,469
G06Q20/204Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment creditG06Q20/00In the scheme16,256
G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safesG06Q20/00In the scheme15,950
G06Q20/3223Realising banking transactions through M-devicesG06Q20/00In the scheme15,665
G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-deviceG06Q20/00In the scheme15,436
G06Q20/3224Transactions dependent on location of M-devicesG06Q20/00In the scheme15,365
G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devicesG06Q20/00In the scheme14,780
G06Q20/3821Electronic credentialsG06Q20/00In the scheme14,753
G06Q20/327Short range or proximity payments by means of M-devicesG06Q20/00In the scheme14,043
G06Q20/145Payments according to the detected use or quantityG06Q20/00In the scheme13,913
G06Q20/38215Use of certificates or encrypted proofs of transaction rightsG06Q20/00In the scheme13,763
G06Q20/108Remote banking, e.g. home bankingG06Q20/00In the scheme13,720
G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cardsG06Q20/00In the scheme13,644
G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safesG06Q20/00In the scheme13,563
G06Q20/208Input by product or record sensing, e.g. weighing or scanner processingG06Q20/00In the scheme12,671
G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a userG06Q20/00In the scheme12,427
G06Q20/387Payment using discounts or couponsG06Q20/00In the scheme12,262
G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification meansG07F7/08In the scheme12,201
G06Q20/24Credit schemes, i.e. "pay after"G06Q20/00In the scheme12,178
G06Q20/3827Use of message hashingG06Q20/00In the scheme12,097
G06Q20/4012Verifying personal identification numbers [PIN]G06Q20/00In the scheme11,961
G06Q20/28Pre-payment schemes, e.g. "pay before"G06Q20/00In the scheme10,942
G07G1/12Cash registers electronically operatedG07G1/12In the scheme10,404
G06Q20/123Shopping for digital contentG06Q20/00In the scheme10,256
G06Q20/1085Remote banking, e.g. home banking involving automatic teller machines [ATMs]G06Q20/00In the scheme10,215
G06Q20/352Contactless payments by cardsG06Q20/00In the scheme10,097
G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-deviceG06Q20/00In the scheme10,030
G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networksG06Q20/00In the scheme9,973
G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"G06Q20/00In the scheme9,544
G06Q20/3678Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spendingG06Q20/00In the scheme9,444
G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment schemeG06Q20/00In the scheme9,394
G06Q20/42Confirmation, e.g. check or permission by the legal debtor of paymentG06Q20/00In the scheme9,317
G06Q20/00Payment architectures, schemes or protocolsG06Q20/00In the scheme9,219
G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third partyG06Q20/00In the scheme9,188
G06Q20/223Payment schemes or models based on the use of peer-to-peer networksG06Q20/00In the scheme9,125
G07F7/0866Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted thereforG07F7/08In the scheme9,119
G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payerG06Q20/00In the scheme9,047
G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transactionG06Q20/00In the scheme8,752
G06Q20/085Payment architectures involving remote charge determination or related payment systemsG06Q20/00In the scheme8,740
G06Q20/1235Shopping for digital content with control of digital rights management [DRM]G06Q20/00In the scheme8,606
G06Q20/203Inventory monitoringG06Q20/00In the scheme8,080
G06Q20/40975Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption thereforG06Q20/00In the scheme7,983
G06Q20/409Device specific authentication in transaction processingG06Q20/00In the scheme7,966
G06Q20/16Payments settled via telecommunication systemsG06Q20/00In the scheme7,814
G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmationG06Q20/00In the scheme7,731
G06Q20/381Currency conversionG06Q20/00In the scheme7,627
G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devicesG06Q20/00In the scheme7,563
G07G1/14Systems including one or more distant stations co-operating with a central processing unitG07G1/12In the scheme7,258
G06Q20/209Specified transaction journal output feature, e.g. printed receipt or voice outputG06Q20/00In the scheme7,162
G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gatewayG06Q20/00In the scheme7,039
G06Q20/342Cards defining paid or billed services or quantitiesG06Q20/00In the scheme6,890
G06Q20/3552Downloading or loading of personalisation dataG06Q20/00In the scheme6,841
G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric dataG07F7/08In the scheme6,512
G06Q20/3226Use of secure elements separate from M-devicesG06Q20/00In the scheme6,471
G06Q20/042Payment circuits characterized in that the payment protocol involves at least one chequeG06Q20/00In the scheme6,367
G06Q20/3672Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereofG06Q20/00In the scheme6,229
G06Q20/403Solvency checksG06Q20/00In the scheme6,014
G06Q20/0655Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrallyG06Q20/00In the scheme5,807
G06Q20/206Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entryG06Q20/00In the scheme5,790
G06Q20/3255Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMSG06Q20/00In the scheme5,643
G07F7/0886Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transactionG07F7/08In the scheme5,561
G06Q20/321Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devicesG06Q20/00In the scheme5,518
G06Q20/407Cancellation of a transactionG06Q20/00In the scheme5,435
G06Q20/127Shopping or accessing services according to a time-limitationG06Q20/00In the scheme5,387
G06Q20/38Payment protocols; Details thereofG06Q20/00In the scheme5,237
G06Q20/384Payment protocols; Details thereof using social networksG06Q20/00In the scheme5,042
G07F7/1016Devices or methods for securing the PIN and other transaction-data, e.g. by encryptionG07F7/08In the scheme4,962
G06Q20/4015Transaction verification using location informationG06Q20/00In the scheme4,943
G06Q20/023Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing houseG06Q20/00In the scheme4,794
G06Q20/386Payment protocols; Details thereof using messaging services or messaging appsG06Q20/00In the scheme4,743
G06Q20/4037Remote solvency checksG06Q20/00In the scheme4,720
G06Q20/351Virtual cardsG06Q20/00In the scheme4,647
G07F7/086Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layerG07F7/08In the scheme4,576
G06Q20/22Payment schemes or modelsG06Q20/00In the scheme4,343
G06Q20/047Payment circuits using payment protocols involving electronic receiptsG06Q20/00In the scheme4,291
G07F7/12Card verificationG07F7/08In the scheme4,181
G06Q20/3221Access to banking information through M-devicesG06Q20/00In the scheme3,968
G06Q20/4097Device specific authentication in transaction processing using mutual authentication between devices and transaction partnersG06Q20/00In the scheme3,952
G06Q20/354Card activation or deactivationG06Q20/00In the scheme3,902
G06Q20/353Payments by cards read by M-devicesG06Q20/00In the scheme3,890
G07F7/082Features insuring the integrity of the data on or in the cardG07F7/08In the scheme3,883
G06Q20/0658Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locallyG06Q20/00In the scheme3,841
G06Q20/346Cards serving only as information carrier of serviceG06Q20/00In the scheme3,836
G06Q20/383Anonymous user systemG06Q20/00In the scheme3,836
G06Q20/045Payment circuits using payment protocols involving ticketsG06Q20/00In the scheme3,805
G06Q20/201Price look-up processing, e.g. updatingG06Q20/00In the scheme3,714
G06Q20/26Debit schemes, e.g. "pay now"G06Q20/00In the scheme3,702
G06Q20/308Payment architectures, schemes or protocols characterised by the use of specific devices or networks using the Internet of ThingsG06Q20/00In the scheme3,693
G06Q20/3229Use of the SIM of a M-device as secure elementG06Q20/00In the scheme3,656
G06Q20/355Personalisation of cards for useG06Q20/00In the scheme3,571
G07F7/0873Details of the card readerG07F7/08In the scheme3,434
G06Q20/347Passive cardsG06Q20/00In the scheme3,295
G06Q20/3576Multiple memory zones on cardG06Q20/00In the scheme3,096
G06Q20/4093Monitoring of device authenticationG06Q20/00In the scheme3,033
G06Q20/357Cards having a plurality of specified featuresG06Q20/00In the scheme2,862
G06Q20/29Payment schemes or models characterised by micropaymentsG06Q20/00In the scheme2,803
G06Q20/3572Multiple accounts on cardG06Q20/00In the scheme2,780
G06Q20/4018Transaction verification using the card verification value [CVV] associated with the cardG06Q20/00In the scheme2,754
G06Q20/3676Balancing accountsG06Q20/00In the scheme2,728
G07F7/0893Details of the card reader the card reader reading the card in a contactless mannerG07F7/08In the scheme2,661
G07F7/1025Identification of user by a PIN codeG07F7/08In the scheme2,610
G06Q20/3574Multiple applications on cardG06Q20/00In the scheme2,578
G06Q20/388Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-responseG06Q20/00In the scheme2,503
G06Q20/349Rechargeable cardsG06Q20/00In the scheme2,496
G06Q20/0457Payment circuits using payment protocols involving tickets the tickets being sent electronicallyG06Q20/00In the scheme2,489
G06Q20/3263Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilitiesG06Q20/00In the scheme2,314
G06Q20/08Payment architecturesG06Q20/00In the scheme2,251
G06Q20/3433Cards including a counter the counter having monetary unitsG06Q20/00In the scheme2,249
G06Q20/3267In-app paymentsG06Q20/00In the scheme2,203
G06Q20/35765Access rights to memory zonesG06Q20/00In the scheme2,166
G07F7/0833Card having specific functional componentsG07F7/08In the scheme2,131
G06Q20/343Cards including a counterG06Q20/00In the scheme2,041
G06Q20/3272Short range or proximity payments by means of M-devices using an audio codeG06Q20/00In the scheme2,033
G06Q20/306Payment architectures, schemes or protocols characterised by the use of specific devices or networks using TV related infrastructuresG06Q20/00In the scheme2,007
G06Q20/3415Cards acting autonomously as pay-mediaG06Q20/00In the scheme1,995
G07F7/084Additional components relating to data transfer and storing, e.g. error detection, self-diagnosisG07F7/08In the scheme1,995
G07F7/122Online card verificationG07F7/08In the scheme1,961
G06Q20/3265Payment applications installed on the mobile devices characterised by personalisation for useG06Q20/00In the scheme1,918
G06Q20/356Aspects of software for card paymentsG06Q20/00In the scheme1,895
G06Q20/229Hierarchy of users of accountsG06Q20/00In the scheme1,771
G06Q20/3563Software being resident on cardG06Q20/00In the scheme1,669
G06Q20/2295Parent-child type, e.g. where parent has control on child rightsG06Q20/00In the scheme1,501
G06Q20/0425Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic onlyG06Q20/00In the scheme1,490
G06Q20/3437Cards including a counter the counter having non-monetary units, e.g. tripsG06Q20/00In the scheme1,419
Match: Through its tools
The classification names the equipment or technology the capability draws on, not the capability. The count says how much is being invented for it, not how well it is done. Covers payment technology in general, not the national settlement systems as such. The crosswalk is a first pass that nobody has reviewed.

Other capabilities in Financial Infrastructure