MX362174B - Sistemas y metodos para el acceso a cuentas en tiempo real. - Google Patents

Sistemas y metodos para el acceso a cuentas en tiempo real.

Info

Publication number
MX362174B
MX362174B MX2014011114A MX2014011114A MX362174B MX 362174 B MX362174 B MX 362174B MX 2014011114 A MX2014011114 A MX 2014011114A MX 2014011114 A MX2014011114 A MX 2014011114A MX 362174 B MX362174 B MX 362174B
Authority
MX
Mexico
Prior art keywords
account
systems
accounts
real
methods
Prior art date
Application number
MX2014011114A
Other languages
English (en)
Other versions
MX2014011114A (es
Inventor
Marcous Neil
Woodbury Robert
Gordon Peter
Original Assignee
Paynet Payments Network Llc
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 Paynet Payments Network Llc filed Critical Paynet Payments Network Llc
Publication of MX2014011114A publication Critical patent/MX2014011114A/es
Publication of MX362174B publication Critical patent/MX362174B/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
    • G06Q20/08—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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/20—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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Meter Arrangements (AREA)
  • Telephonic Communication Services (AREA)

Abstract

La presente invención se refiere a sistemas y métodos para tener acceso a cuentas en tiempo real, permitiendo el acceso a cuentas (tales como cuentas de depósito, crédito, o débito) a través de infraestructuras de procesamiento en red tales como Electronic Funds Transfer (EFT, Transferencia Electrónica de Fondos). En algunas modalidades, los consumidores y/o comerciantes son capaces de efectuar peticiones de transacción contra cuentas, usando un pseudo-identificador u otro identificador, y sin la necesidad de proporcionar un número de cuenta o un número de tarjeta. En otras modalidades, las redes de pago son capaces de dirigir y procesar peticiones de transacción contra cuentas, sin tener un número de tarjeta o un número de cuenta. En otras modalidades, los sistemas de procesamiento de cuentas son capaces de determinar una cuenta apropiada sobre la base de peticiones de transacción que no contienen números de tarjeta o números de cuenta.
MX2014011114A 2012-03-19 2013-03-15 Sistemas y metodos para el acceso a cuentas en tiempo real. MX362174B (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201261612897P 2012-03-19 2012-03-19
PCT/US2013/032130 WO2013142334A1 (en) 2012-03-19 2013-03-15 Systems and methods for real-time account access

Publications (2)

Publication Number Publication Date
MX2014011114A MX2014011114A (es) 2014-11-26
MX362174B true MX362174B (es) 2019-01-08

Family

ID=49158574

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2014011114A MX362174B (es) 2012-03-19 2013-03-15 Sistemas y metodos para el acceso a cuentas en tiempo real.

Country Status (10)

Country Link
US (4) US10552807B2 (es)
EP (1) EP2828810A4 (es)
CN (2) CN104303197A (es)
AU (3) AU2013235387A1 (es)
BR (1) BR112014023264A2 (es)
CA (3) CA3204698A1 (es)
HK (1) HK1206466A1 (es)
IN (1) IN2014DN08214A (es)
MX (1) MX362174B (es)
WO (1) WO2013142334A1 (es)

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Also Published As

Publication number Publication date
US20230123772A1 (en) 2023-04-20
EP2828810A4 (en) 2015-05-06
EP2828810A1 (en) 2015-01-28
IN2014DN08214A (es) 2015-05-15
AU2020239756A1 (en) 2020-11-05
US11556907B2 (en) 2023-01-17
CA3145607C (en) 2023-08-22
WO2013142334A1 (en) 2013-09-26
CA2867697A1 (en) 2013-09-26
US11562334B2 (en) 2023-01-24
BR112014023264A2 (pt) 2019-08-13
CA2867697C (en) 2022-03-29
CA3145607A1 (en) 2013-09-26
CA3204698A1 (en) 2013-09-26
AU2018220030A1 (en) 2018-09-13
US20200118099A1 (en) 2020-04-16
CN104303197A (zh) 2015-01-21
CN111899010A (zh) 2020-11-06
AU2013235387A1 (en) 2014-10-09
US20200273004A1 (en) 2020-08-27
US20130246274A1 (en) 2013-09-19
MX2014011114A (es) 2014-11-26
HK1206466A1 (en) 2016-01-08
US10552807B2 (en) 2020-02-04

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