MX337491B - Servicio de acceso a sistema de transferencia de dinero. - Google Patents
Servicio de acceso a sistema de transferencia de dinero.Info
- Publication number
- MX337491B MX337491B MX2013000603A MX2013000603A MX337491B MX 337491 B MX337491 B MX 337491B MX 2013000603 A MX2013000603 A MX 2013000603A MX 2013000603 A MX2013000603 A MX 2013000603A MX 337491 B MX337491 B MX 337491B
- Authority
- MX
- Mexico
- Prior art keywords
- payment
- end user
- payment card
- services provider
- request
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
-
- 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
- G06Q20/326—Payment applications installed on the mobile 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/38—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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Un método incluye recibir, en una computadora, una solicitud de transacción de un proveedor de servicios de pago; se transfiere un identificador de usuario final incluido en la solicitud a un número de cuenta de un sistema de tarjetas de pago; el identificador de usuario final identifica un usuario final a quien se le ha asignado la cuenta del sistema de tarjetas de pago y quien es suscritor al sistema de pago de circuito cerrado operado por el proveedor de servicios de pago; se acreditan los fondos del proveedor de servicios de pago a una cuenta virtual de tarjeta del sistema de circuito abierto, identificada por el número de cuenta del sistema de tarjetas de pago; una solicitud de autorización para una transacción en el sistema de circuito abierto es enviada a una institución financiera de adquiridores que representa a un negociante con quien está tratando el usuario final, y es recibida de vuelta de un sistema de autorización del sistema de tarjetas de pago por la misma computadora que recibió la solicitud de transacción del proveedor de servicios de pago y que generó la solicitud de autorización.
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US36493410P | 2010-07-16 | 2010-07-16 | |
US13/005,872 US20120016799A1 (en) | 2010-07-16 | 2011-01-13 | Money transfer system gateway service |
PCT/US2011/042516 WO2012009165A1 (en) | 2010-07-16 | 2011-06-30 | Money transfer system gateway service |
Publications (2)
Publication Number | Publication Date |
---|---|
MX2013000603A MX2013000603A (es) | 2013-06-05 |
MX337491B true MX337491B (es) | 2016-03-08 |
Family
ID=45467700
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MX2013000603A MX337491B (es) | 2010-07-16 | 2011-06-30 | Servicio de acceso a sistema de transferencia de dinero. |
Country Status (5)
Country | Link |
---|---|
US (2) | US20120016799A1 (es) |
EP (1) | EP2593913A4 (es) |
BR (1) | BR112013001042A2 (es) |
MX (1) | MX337491B (es) |
WO (1) | WO2012009165A1 (es) |
Families Citing this family (43)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8016185B2 (en) * | 2004-07-06 | 2011-09-13 | Visa International Service Association | Money transfer service with authentication |
GB0901407D0 (en) * | 2009-01-28 | 2009-03-11 | Validsoft Uk Ltd | Card false-positive prevention |
WO2011019660A2 (en) * | 2009-08-10 | 2011-02-17 | Visa International Service Association | Systems and methods for enrolling users in a payment service |
WO2012161808A2 (en) * | 2011-02-25 | 2012-11-29 | Visa International Service Association | Direct connection systems and methods |
US20130006810A1 (en) * | 2011-06-30 | 2013-01-03 | Aurelio Elias | Method and system for the execution of non-bank Third Party Services Transactions over Financial Networks through Electronic Terminals utilizing a Non-Depository Virtual Account Management System |
US9830596B2 (en) * | 2011-11-01 | 2017-11-28 | Stripe, Inc. | Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site |
US10535064B2 (en) | 2012-03-19 | 2020-01-14 | Paynet Payments Network, Llc | Systems and methods for real-time account access |
WO2013142334A1 (en) | 2012-03-19 | 2013-09-26 | Paynet Payments Network, Llc | Systems and methods for real-time account access |
US20130282581A1 (en) * | 2012-04-18 | 2013-10-24 | Infosys Limited | Mobile device-based cardless financial transactions |
US8639619B1 (en) | 2012-07-13 | 2014-01-28 | Scvngr, Inc. | Secure payment method and system |
US10096020B2 (en) * | 2012-08-30 | 2018-10-09 | Worldpay, Llc | Combination payment card and methods thereof |
US20160155112A1 (en) * | 2012-10-10 | 2016-06-02 | Mastercard International Incorporated | Barcode-triggered payment method and system |
US20140214649A1 (en) * | 2013-01-25 | 2014-07-31 | Brian J. DuCharme | Pay to any account service |
US8770478B2 (en) | 2013-07-11 | 2014-07-08 | Scvngr, Inc. | Payment processing with automatic no-touch mode selection |
AU2014256396B2 (en) * | 2013-11-15 | 2020-08-20 | Fidelity Information Services, Llc | Systems and methods for real-time account access |
CN105450583B (zh) | 2014-07-03 | 2019-07-05 | 阿里巴巴集团控股有限公司 | 一种信息认证的方法及装置 |
CN105446992A (zh) | 2014-07-08 | 2016-03-30 | 阿里巴巴集团控股有限公司 | 建立商品对象回收信息数据库、确定价值信息方法及装置 |
CN105450411B (zh) | 2014-08-14 | 2019-01-08 | 阿里巴巴集团控股有限公司 | 利用卡片特征进行身份验证的方法、装置及*** |
CN105719183A (zh) | 2014-12-03 | 2016-06-29 | 阿里巴巴集团控股有限公司 | 定向转账方法及其装置 |
CN105869043A (zh) * | 2015-01-19 | 2016-08-17 | 阿里巴巴集团控股有限公司 | 分散热点的数据库账户转入、转出的记账方法及装置 |
CN105989467A (zh) | 2015-02-03 | 2016-10-05 | 阿里巴巴集团控股有限公司 | 无线支付方法与装置及交通工具乘坐费检验方法与*** |
US11636462B2 (en) | 2015-03-20 | 2023-04-25 | Block, Inc. | Context-aware peer-to-peer transfers of items |
US10410194B1 (en) | 2015-08-19 | 2019-09-10 | Square, Inc. | Customized tipping flow |
CN106570009B (zh) | 2015-10-09 | 2020-07-28 | 阿里巴巴集团控股有限公司 | 导航类目更新方法及装置 |
US20170236102A1 (en) * | 2016-02-12 | 2017-08-17 | D+H Usa Corporation | Peer-to-Peer Financial Transactions Using A Private Distributed Ledger |
CN106127568A (zh) * | 2016-06-15 | 2016-11-16 | 中国人民银行清算总中心 | 跨行支付***的清算业务队列解救方法及装置 |
EP3472781A1 (en) * | 2016-06-15 | 2019-04-24 | Mastercard International Incorporated | Systems and methods for bridging transactions between eft payment networks and payment card networks |
SG10201609847PA (en) * | 2016-11-23 | 2018-06-28 | Mastercard International Inc | System And Method For Processing Payment |
EP3340143A1 (en) * | 2016-12-22 | 2018-06-27 | Mastercard International Incorporated | Configuring a transaction device |
US10645175B2 (en) * | 2017-03-30 | 2020-05-05 | Cameros Bay Capital, LLC | Proxy device for routing electronic messages |
US11042852B1 (en) * | 2017-06-23 | 2021-06-22 | Wells Fargo Bank, N.A. | Sender authenticated remittance via an automatic teller machine |
US20190197506A1 (en) * | 2017-09-14 | 2019-06-27 | Robert Jay McShirley | Merchant service for real-time settlement apparatus and method |
CN108734371A (zh) | 2018-02-12 | 2018-11-02 | 阿里巴巴集团控股有限公司 | 一种针对风控指令的处理方法、装置及设备 |
CN108632348B (zh) | 2018-03-19 | 2020-02-18 | 阿里巴巴集团控股有限公司 | 一种业务校验方法和装置 |
US11361284B1 (en) | 2018-05-31 | 2022-06-14 | Stripe, Inc. | Payment processing method and apparatus using an intermediary platform |
US11244322B2 (en) * | 2018-09-18 | 2022-02-08 | Mastercard International Incorporated | Methods and apparatus for chargebacks of push payment transactions |
CN113196324A (zh) * | 2018-12-21 | 2021-07-30 | 维萨国际服务协会 | 经由条件授权进行处理的方法 |
US11234235B2 (en) | 2019-04-30 | 2022-01-25 | Bank Of America Corporation | Resource distribution hub generation on a mobile device |
US11196737B2 (en) | 2019-04-30 | 2021-12-07 | Bank Of America Corporation | System for secondary authentication via contactless distribution of dynamic resources |
US10998937B2 (en) | 2019-04-30 | 2021-05-04 | Bank Of America Corporation | Embedded tag for resource distribution |
US11620586B2 (en) | 2020-04-07 | 2023-04-04 | United Airlines, Inc. | Offline authorization of airline ticketing requests |
US11509481B2 (en) * | 2020-07-01 | 2022-11-22 | Visa International Service Association | Token processing with selective de-tokenization for proximity based access device interactions |
US11663563B2 (en) * | 2020-07-07 | 2023-05-30 | Mastercard International Incorporated | Methods and systems of providing interoperability between incompatible payment systems |
Family Cites Families (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070022375A1 (en) * | 2000-10-19 | 2007-01-25 | David Walker | Apparatus, system, and method for an electronic payment system |
US7292999B2 (en) * | 2001-03-15 | 2007-11-06 | American Express Travel Related Services Company, Inc. | Online card present transaction |
US20070203832A1 (en) * | 2006-02-28 | 2007-08-30 | Rene Pierre Babi | Intermediary payment system and method for gaming |
US20070214080A1 (en) * | 2006-02-28 | 2007-09-13 | Rene Pierre Babi | Intermediary payment system and method |
US8510223B2 (en) * | 2006-08-03 | 2013-08-13 | The Western Union Company | Money transfer transactions via pre-paid wireless communication devices |
US20090094126A1 (en) * | 2007-10-03 | 2009-04-09 | Patrick Killian | Dual use point of sale terminal and methods of operating same |
US8046268B2 (en) | 2008-07-14 | 2011-10-25 | Shop Ma, Inc. | Multi-merchant payment system |
US8631999B2 (en) * | 2009-02-09 | 2014-01-21 | Giftcodes.Com, Llc | System and method for accepting closed loop cards and codes at a merchant point of sale |
-
2011
- 2011-01-13 US US13/005,872 patent/US20120016799A1/en not_active Abandoned
- 2011-06-30 EP EP11807279.2A patent/EP2593913A4/en not_active Ceased
- 2011-06-30 MX MX2013000603A patent/MX337491B/es active IP Right Grant
- 2011-06-30 BR BR112013001042-8A patent/BR112013001042A2/pt not_active Application Discontinuation
- 2011-06-30 WO PCT/US2011/042516 patent/WO2012009165A1/en active Application Filing
-
2014
- 2014-11-07 US US14/535,698 patent/US9767442B2/en active Active
Also Published As
Publication number | Publication date |
---|---|
US9767442B2 (en) | 2017-09-19 |
US20120016799A1 (en) | 2012-01-19 |
MX2013000603A (es) | 2013-06-05 |
EP2593913A4 (en) | 2014-03-05 |
BR112013001042A2 (pt) | 2020-08-25 |
US20150066756A1 (en) | 2015-03-05 |
WO2012009165A1 (en) | 2012-01-19 |
EP2593913A1 (en) | 2013-05-22 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
FG | Grant or registration |