Electronic Transaction Approval Method, System and Apparatus
Summary
The European Patent Office published application EP4348477A1, filed by OneSpan North America Inc., covering a method, system and apparatus for approving electronic transactions. The application names Andreas Gutmann and Steven Murdoch as inventors and classifies the invention under G06Q 20/40, G06F 21/64, H04L 9/40, and H04L 9/32. Publication date is 8 April 2026.
Parties reviewing this publication are not subject to any compliance obligations. The document serves as notice of a patent application's existence and scope, available for opposition proceedings before grant.
What changed
The European Patent Office published EP4348477A1, a European patent application for a method, system and apparatus for approving electronic transactions. The applicant is OneSpan North America Inc., with Andreas Gutmann and Steven Murdoch listed as inventors. The invention is classified under IPC categories including G06Q 20/40 (electronic payment schemes), G06F 21/64 (data integrity verification), and H04L 9/40 (network security).
This publication does not create compliance obligations for any party. Technology companies operating in electronic payments, authentication, or transaction security may wish to review the claims for potential licensing considerations or freedom-to-operate analysis.
Archived snapshot
Apr 21, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
A METHOD, SYSTEM AND APPARATUS FOR APPROVING ELECTRONIC TRANSACTIONS
Publication EP4348477A1 Kind: A1 Apr 08, 2026
Applicants
OneSpan North America Inc.
Inventors
GUTMANN, Andreas, MURDOCH, Steven
IPC Classifications
G06F 21/64 20130101AFI20221202BHEP H04L 9/40 20220101ALI20221202BHEP G06Q 20/40 20120101ALI20221202BHEP H04L 9/32 20060101ALI20221202BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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