AR011628A1 - Un proceso para transferir fondos entre cuentas utilizando una cuenta de transaccion y procedimiento local, y el sistema para realizarlo - Google Patents
Un proceso para transferir fondos entre cuentas utilizando una cuenta de transaccion y procedimiento local, y el sistema para realizarloInfo
- Publication number
- AR011628A1 AR011628A1 ARP980100484A ARP980100484A AR011628A1 AR 011628 A1 AR011628 A1 AR 011628A1 AR P980100484 A ARP980100484 A AR P980100484A AR P980100484 A ARP980100484 A AR P980100484A AR 011628 A1 AR011628 A1 AR 011628A1
- Authority
- AR
- Argentina
- Prior art keywords
- account
- receiving
- data
- source
- financial institution
- Prior art date
Links
Classifications
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- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/30—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
- G06Q20/381—Currency conversion
-
- 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
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
-
- 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
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Un proceso para transferir fondos desde una cuenta fuente en una primera institucion financiera a una cuenta de destino en una segunda institucionfinanciera a través de una red de comunicaciones, que comprende los pasos de: recibir una primerae ntrada de informacion con una terminal de entrada de datosy combinar dichos primeros datos con un registro de una cuenta fuente, almacenándose el registro en un primer sistema principal e incluyendo unaindicacion de un tipo de monedamanteni endo en la cuenta fuente; recibir segundos datos proporcionados con la terminal de entrada, indicando lossegundos datos una cuenta receptora y verificando la validez de la cuenta receptora; recibir terceros datos proporcionadoscon la te rminal de entrada,correspondiendo los terceros datos a un monto solicitado para su transferencia desde la cuenta fuente hasta la cuenta de destino, introduciéndose la sumasolicitada en un formato seleccionado correspondiente al tipo demoneda de una de las cuentas fuentes y la cuenta de destino; y luego de recibir autorizacionpara implementar la transferencia solicitada, depositar los fondos a ser transferidos en una cuenta de transaccion para transferencias, que luegoseprocesa a travé s de un sistema de clearing local de dicha segunda institucion financiera; y luego depositar dichos fondos de dicha cuenta de transacciona dicha cuenta de destino en dicha segunda institucion financiera.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/795,355 US5825003A (en) | 1995-07-24 | 1997-02-04 | Customer-directed, automated process for transferring funds between accounts using a holding account and local processing |
Publications (1)
Publication Number | Publication Date |
---|---|
AR011628A1 true AR011628A1 (es) | 2000-08-30 |
Family
ID=25165321
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ARP980100484A AR011628A1 (es) | 1997-02-04 | 1998-02-04 | Un proceso para transferir fondos entre cuentas utilizando una cuenta de transaccion y procedimiento local, y el sistema para realizarlo |
Country Status (7)
Country | Link |
---|---|
US (1) | US5825003A (es) |
EP (1) | EP0958544A4 (es) |
AR (1) | AR011628A1 (es) |
AU (1) | AU718278B2 (es) |
BR (1) | BR9807556A (es) |
WO (1) | WO1998036368A1 (es) |
ZA (1) | ZA98906B (es) |
Families Citing this family (117)
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US3826344A (en) * | 1969-04-16 | 1974-07-30 | E Wahlberg | Apparatus for transacting business |
US4529870A (en) * | 1980-03-10 | 1985-07-16 | David Chaum | Cryptographic identification, financial transaction, and credential device |
US4341951A (en) * | 1980-07-02 | 1982-07-27 | Benton William M | Electronic funds transfer and voucher issue system |
FR2497617B1 (fr) * | 1981-01-07 | 1989-08-18 | Transac Develop Transactions A | Procede et dispositif de securite pour communication tripartie de donnees confidentielles |
US4773001A (en) * | 1985-10-02 | 1988-09-20 | International Business Machines Corp. | Method and apparatus for communicating with remote units of a distributive data processing system |
US4707592A (en) * | 1985-10-07 | 1987-11-17 | Ware Paul N | Personal universal identity card system for failsafe interactive financial transactions |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4766293A (en) * | 1986-06-26 | 1988-08-23 | Visa International Service Association | Portable financial transaction card capable of authorizing a transaction in foreign currencies |
JPS63233458A (ja) * | 1987-03-20 | 1988-09-29 | Sharp Corp | 通貨換算機能付電子機器 |
US5012076A (en) * | 1988-03-02 | 1991-04-30 | Hitachi, Ltd. | Transaction method wherein transaction amount is compared with account balance before ID is entered |
US5025373A (en) * | 1988-06-30 | 1991-06-18 | Jml Communications, Inc. | Portable personal-banking system |
GB9121995D0 (en) * | 1991-10-16 | 1991-11-27 | Jonhig Ltd | Value transfer system |
US5453601A (en) * | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5367561A (en) * | 1992-02-10 | 1994-11-22 | First City Texas-Dallas | Cash access system and method of operation |
US5424938A (en) * | 1992-10-13 | 1995-06-13 | First Chicago Corporation | Method and apparatus for providing access to a plurality of payment networks |
US5267314A (en) * | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US5326960A (en) * | 1992-11-25 | 1994-07-05 | Tannenbaum David H | Currency transfer system and method |
US5350906A (en) * | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
JPH06243158A (ja) * | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | 外国送金業務処理システム |
US5457305A (en) * | 1994-03-31 | 1995-10-10 | Akel; William S. | Distributed on-line money access card transaction processing system |
US5659165A (en) * | 1995-07-24 | 1997-08-19 | Citibank. N.A. | Customer-directed, automated process for transferring funds between accounts via a communications network |
-
1997
- 1997-02-04 US US08/795,355 patent/US5825003A/en not_active Expired - Lifetime
-
1998
- 1998-02-04 BR BR9807556-0A patent/BR9807556A/pt not_active IP Right Cessation
- 1998-02-04 ZA ZA9800906A patent/ZA98906B/xx unknown
- 1998-02-04 AR ARP980100484A patent/AR011628A1/es not_active Application Discontinuation
- 1998-02-04 EP EP98908450A patent/EP0958544A4/en not_active Ceased
- 1998-02-04 WO PCT/US1998/001566 patent/WO1998036368A1/en active IP Right Grant
- 1998-02-04 AU AU66486/98A patent/AU718278B2/en not_active Ceased
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WO1998036368A1 (en) | 1998-08-20 |
ZA98906B (en) | 1999-12-09 |
BR9807556A (pt) | 2000-02-01 |
EP0958544A4 (en) | 2005-04-13 |
AU6648698A (en) | 1998-09-08 |
EP0958544A1 (en) | 1999-11-24 |
AU718278B2 (en) | 2000-04-13 |
US5825003A (en) | 1998-10-20 |
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