MX2018002007A - Dispositivos de pago que tienen multiples modos para conducir transacciones financieras. - Google Patents

Dispositivos de pago que tienen multiples modos para conducir transacciones financieras.

Info

Publication number
MX2018002007A
MX2018002007A MX2018002007A MX2018002007A MX2018002007A MX 2018002007 A MX2018002007 A MX 2018002007A MX 2018002007 A MX2018002007 A MX 2018002007A MX 2018002007 A MX2018002007 A MX 2018002007A MX 2018002007 A MX2018002007 A MX 2018002007A
Authority
MX
Mexico
Prior art keywords
substitute
financial transactions
details
multiple modes
payment devices
Prior art date
Application number
MX2018002007A
Other languages
English (en)
Inventor
Thomas Abel Miller
Mages Kenneth
Original Assignee
Verrency Holdings Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Verrency Holdings Ltd filed Critical Verrency Holdings Ltd
Publication of MX2018002007A publication Critical patent/MX2018002007A/es

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
    • 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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 lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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 lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Se proporcionan tarjetas de pago y también los sistemas y métodos para gestionar de manera segura transacciones financieras utilizando las tarjetas de pago: en una implementación, una tarjeta de pago incluye un primer componente incorporado en un substrato de plástico, en donde el primer componente está configurado para proporcionar detalles de una primera cuenta sustituta asociada con credenciales válidas de un titular de tarjeta: la tarjeta de pago también incluye al menos un componente adicional incorporado en el substrato de plástico; cada uno de los componentes adicionales está configurado para proporcionar detalles de al menos una cuenta sustituta adicional asociada con las credenciales válidas del titular de tarjeta; cada cuenta sustituta incluye detalles que son distintos de los detalles de cada una de las otras cuentas sustitutas; también, al menos una de las cuentas sustitutas es proporcionada a un comerciante para conducir una transacción financiera con el comerciante.
MX2018002007A 2015-08-17 2016-08-17 Dispositivos de pago que tienen multiples modos para conducir transacciones financieras. MX2018002007A (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201562282991P 2015-08-17 2015-08-17
PCT/US2016/047329 WO2017031198A1 (en) 2015-08-17 2016-08-17 Payment devices having multiple modes of conducting financial transactions
US15/239,122 US11157895B2 (en) 2015-08-17 2016-08-17 Payment devices having multiple modes of conducting financial transactions

Publications (1)

Publication Number Publication Date
MX2018002007A true MX2018002007A (es) 2018-11-09

Family

ID=58051305

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2018002007A MX2018002007A (es) 2015-08-17 2016-08-17 Dispositivos de pago que tienen multiples modos para conducir transacciones financieras.

Country Status (7)

Country Link
US (1) US11157895B2 (es)
AU (1) AU2016308150B2 (es)
BR (1) BR112018003090A2 (es)
CA (1) CA2996145A1 (es)
MX (1) MX2018002007A (es)
SG (1) SG11201801267RA (es)
WO (1) WO2017031198A1 (es)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11147459B2 (en) * 2018-01-05 2021-10-19 CareBand Inc. Wearable electronic device and system for tracking location and identifying changes in salient indicators of patient health
US10729211B2 (en) 2018-04-12 2020-08-04 CareBand Inc. Wristband locking mechanism, wristband, wearable electronic device and method of securing an article to a person
US11978555B2 (en) 2020-04-08 2024-05-07 CareBand Inc. Wearable electronic device and system using low-power cellular telecommunication protocols
US11961088B2 (en) * 2020-04-21 2024-04-16 Jpmorgan Chase Bank, N.A. System and method for providing temporal card verification value (CVV) for secure online transaction processing
US11503434B2 (en) * 2020-04-22 2022-11-15 CareBand Inc. Method and system for connectivity between a personal area network and an internet protocol network via low power wide area network wearable electronic device
DE102021004951A1 (de) * 2021-10-01 2023-04-06 Giesecke+Devrient Mobile Security Gmbh Kartenförmiger Datenträger

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4443027A (en) 1981-07-29 1984-04-17 Mcneely Maurice G Multiple company credit card system
DE3906349A1 (de) * 1989-03-01 1990-09-13 Hartmut Hennige Verfahren und vorrichtung zur vereinfachung des gebrauchs einer vielzahl von kreditkarten u. dgl.
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US20080017720A1 (en) * 2006-07-06 2008-01-24 Kranzley Arthur D Multi-use payment card and methods of using same
US9251637B2 (en) 2006-11-15 2016-02-02 Bank Of America Corporation Method and apparatus for using at least a portion of a one-time password as a dynamic card verification value
US20090187507A1 (en) * 2006-12-20 2009-07-23 Brown Kerry D Secure financial transaction network
WO2009089099A1 (en) 2008-01-04 2009-07-16 M2 International Ltd. Dynamic card verification value
US8261977B2 (en) 2009-03-27 2012-09-11 Mastercard International Incorporated Methods and systems for using an interface and protocol extensions to perform a financial transaction
WO2011005848A2 (en) 2009-07-07 2011-01-13 Chenot Richard H Systems and methods for per-transaction financial card enabled personal financial management
US8615468B2 (en) 2010-01-27 2013-12-24 Ca, Inc. System and method for generating a dynamic card value
US20120153028A1 (en) 2010-12-15 2012-06-21 Poznansky Amir Transaction Card with dynamic CVV
US8977569B2 (en) 2011-09-29 2015-03-10 Raj Rao System and method for providing smart electronic wallet and reconfigurable transaction card thereof

Also Published As

Publication number Publication date
AU2016308150A1 (en) 2018-03-08
BR112018003090A2 (pt) 2018-09-25
AU2016308150B2 (en) 2022-05-19
CA2996145A1 (en) 2017-02-23
US20170053267A1 (en) 2017-02-23
SG11201801267RA (en) 2018-05-30
WO2017031198A1 (en) 2017-02-23
US11157895B2 (en) 2021-10-26

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