G06Q20/00	Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F 7/08, G07F 19/00; electronic cash registers G07G 1/12) [8,2012.01]
	Note(s) This group covers:[8] protocols or schemes which include procedures whereby a payment is made between a merchant, a bank, a user and sometimes a third party; the procedure usually includes verification and authentication of all parties involved.