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PCE
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DIFF Subgroup
G06Q 20/22

Payment schemes or models

Introduced: January 2012

Full Title

Full titles differ between systems:

IPC:

Payment architectures, schemes or protocols > Payment schemes or models

CPC:

Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12) > Payment schemes or models

CPC subdivides this area 2x more granularly than IPC with 4 additional codes.

4 codes are CPC-only extensions.

2 shared codes have differing titles between IPC and CPC.

IPC defines codes here since 2012.

Child Classifications

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  • G06Q 20/223 CPC only CPC only
  • G06Q 20/227 CPC only CPC only
  • G06Q 20/24 Credit schemes, i.e. "pay after" since 2012 IPC+CPC Available in IPC and CPC
  • G06Q 20/26 Debit schemes, e.g. "pay now" since 2012 IPC+CPC Available in IPC and CPC
  • G06Q 20/28 Pre-payment schemes, e.g. "pay before" since 2012 IPC+CPC Available in IPC and CPC
  • G06Q 20/29 CPC only CPC only