GT200300230A - Tecnica de transferencia de dinero. - Google Patents
Tecnica de transferencia de dinero.Info
- Publication number
- GT200300230A GT200300230A GT200300230A GT200300230A GT200300230A GT 200300230 A GT200300230 A GT 200300230A GT 200300230 A GT200300230 A GT 200300230A GT 200300230 A GT200300230 A GT 200300230A GT 200300230 A GT200300230 A GT 200300230A
- Authority
- GT
- Guatemala
- Prior art keywords
- customer
- money transfer
- transfer technique
- server
- beneficiary
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment 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"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/211—Software architecture within ATMs or in relation to the ATM network
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Software Systems (AREA)
- Computer Networks & Wireless Communication (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Transition And Organic Metals Composition Catalysts For Addition Polymerization (AREA)
- Detergent Compositions (AREA)
- Graft Or Block Polymers (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
UNA INSTITUCIÒN FINANCIERA (12) TIENE UN SERVIDOR (11) BASADO EN RED PARA USO EN LA TRANSFERENCIA DE DINERO ENTRE UN CLIENTE Y UN BENEFICIARIO. EL SERVIDOR PROPORCIONA UN SERVICIO DE TRANSFERENCIA DE DINERO EN LÌNEA VÌA INTERNET Y LA PSTN (RED DE TELEFONÌA CONMUTADA PÙBLICA). UN CLIENTE, QUE TIENE UNA COMPUTADORA CLIENTE (21), UN TELÈFONO QUE TIENE ACCESO DTMF (FRECUENCIA MÙLTIPLA, TONO DOBLE) Y UNA TARJETA DE CRÈDITO, ABRE UNA PÀGINA DE RED DE TRANSACCIÒN PROPORCIONADA POR EL SERVIDOR. EL CLIENTE INTRODUCE DATOS DE TRANSACCIÒN EN LA PÀGINA DE RED, QUE INCLUYE LA SUMA DE DINERO, LOS DATOS DEL CLIENTE Y DEL BENEFICIARIO Y LOS DATOS DE PAGO BÀSICO, TALES COMO LA INFORMACIÒN DE LA TARJETA DE CRÈDITO EXCEPTO, TAL VEZ, EL NÙMERO DE TARJETA DE CRÈDITO. EL CLIENTE ENVIA LOS DATOS DE TRANSACCIÒN AL SERVIDOR VÌA LA INTERNET. DESPUÈS DE QUE EL CLIENTE CONFIRMA LOS DATOS DE TRANSACCIÒN EN UNA SEGUNDA EN UNA PÀGINA DE RED, EL SERVIDOR INSTRUYE AL CLIENTE PARA QUE HAGA CONTACTO CON LA INSTITUCIÒN FINANCIERA VÌA EL TELÈFONO DEL CLIENTE. ANTE LA RECPECIÒN DE LA LLAMADA TELEFÒNICA DEL CLIENTE, EL SERVIDOR BUSCA COINCIDENCIA ENTRE LA SEÑAL ANI (IDENTIFICACIÒN AUTOMÀTICA DE NÙMERO) RECIBIDA Y EL NÙMERO DE TELÈFONO PROPORCIONADO POR EL CLIENTE. EL CLIENTE DESPUÈS MARCA EL NÙMERO DE TARJETA DE CRÈDITO Y, DE REGRESO RECIBE UN NÙMERO DE CAPTACIÒN DE FONDOS ("FOLIO") EN UN MESAJE AUDIBLE. EL CLIENTE PROPORCIONA AL BENEFICIARIO EL NÙMERO DE CAPTACIÒN DE FONDOS PARA USO EN LA RECOLECCIÒN DE LOS FONDOS.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/829,614 US7870065B2 (en) | 2000-01-05 | 2001-04-10 | Money-transfer techniques |
Publications (1)
Publication Number | Publication Date |
---|---|
GT200300230A true GT200300230A (es) | 2006-11-09 |
Family
ID=25255010
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
GT200300230A GT200300230A (es) | 2001-04-10 | 2003-10-23 | Tecnica de transferencia de dinero. |
Country Status (9)
Country | Link |
---|---|
US (1) | US7870065B2 (es) |
EP (1) | EP1380019B1 (es) |
AT (1) | ATE438904T1 (es) |
AU (1) | AU2002235430B2 (es) |
CA (1) | CA2443859C (es) |
DE (1) | DE60233216D1 (es) |
GT (1) | GT200300230A (es) |
MX (1) | MXPA03009149A (es) |
WO (1) | WO2002084614A1 (es) |
Families Citing this family (70)
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-
2001
- 2001-04-10 US US09/829,614 patent/US7870065B2/en not_active Expired - Fee Related
-
2002
- 2002-01-18 CA CA2443859A patent/CA2443859C/en not_active Expired - Lifetime
- 2002-01-18 EP EP02702039A patent/EP1380019B1/en not_active Expired - Lifetime
- 2002-01-18 AT AT02702039T patent/ATE438904T1/de not_active IP Right Cessation
- 2002-01-18 MX MXPA03009149A patent/MXPA03009149A/es active IP Right Grant
- 2002-01-18 AU AU2002235430A patent/AU2002235430B2/en not_active Expired
- 2002-01-18 DE DE60233216T patent/DE60233216D1/de not_active Expired - Fee Related
- 2002-01-18 WO PCT/US2002/001618 patent/WO2002084614A1/en active IP Right Grant
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2003
- 2003-10-23 GT GT200300230A patent/GT200300230A/es unknown
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EP1380019A1 (en) | 2004-01-14 |
ATE438904T1 (de) | 2009-08-15 |
CA2443859A1 (en) | 2002-10-24 |
US20080033870A9 (en) | 2008-02-07 |
EP1380019B1 (en) | 2009-08-05 |
MXPA03009149A (es) | 2004-02-12 |
WO2002084614A1 (en) | 2002-10-24 |
US7870065B2 (en) | 2011-01-11 |
AU2002235430B2 (en) | 2007-04-05 |
DE60233216D1 (de) | 2009-09-17 |
CA2443859C (en) | 2016-06-07 |
US20020029190A1 (en) | 2002-03-07 |
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