AR041128A1 - Metodo y sistema para transferir fondos usando tarjetas de pago entre titulares - Google Patents
Metodo y sistema para transferir fondos usando tarjetas de pago entre titularesInfo
- Publication number
- AR041128A1 AR041128A1 ARP030103181A ARP030103181A AR041128A1 AR 041128 A1 AR041128 A1 AR 041128A1 AR P030103181 A ARP030103181 A AR P030103181A AR P030103181 A ARP030103181 A AR P030103181A AR 041128 A1 AR041128 A1 AR 041128A1
- Authority
- AR
- Argentina
- Prior art keywords
- funds
- payment card
- cardholder
- transfer
- transfering
- 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
- G06Q20/04—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
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
En el campo del comercio, un método para transferir fondos utilizando una tarjeta de pago. Los sistemas de transferencia de fondos existentes presentan una cantidad de problemas que incluyen, p.ej., demoras prolongadas asociadas con su entrega, altos costos de procesamientos y altos costos administrativos. Para paliar estas dificultades, se proporciona un método para transferir fondos de un primer titular de tarjeta de pago a un segundo titular de tarjeta de pago que comprende los pagos de: recibir una indicación del primer titular de tarjeta de que se requiere una transferencia de fondos al segundo titular de tarjeta; generar un primera transacción con tarjeta de pago entre un primer comerciante y el primer titular de tarjeta por un monto negativo asociado con el valor de los fondos que se deben transferir; y generar una segunda transacción con tarjeta de pago entre un segundo comerciante y el segundo titular de tarjeta por un monto positivo asociado con el valor de los fon dos que se deben transferir. La ventaja que brinda esta disposición es que, utilizando los sistemas de tarjeta de pago existentes, se pueden efectuar eficientemente transferencias de fondos entre titulares de tarjeta, sin demoras significativas.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| IE20020712A IES20020712A2 (en) | 2002-09-04 | 2002-09-04 | A method and system for transferring funds |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| AR041128A1 true AR041128A1 (es) | 2005-05-04 |
Family
ID=31726515
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| ARP030103181A AR041128A1 (es) | 2002-09-04 | 2003-09-03 | Metodo y sistema para transferir fondos usando tarjetas de pago entre titulares |
Country Status (20)
| Country | Link |
|---|---|
| US (1) | US8719153B2 (es) |
| EP (1) | EP1398739A1 (es) |
| JP (1) | JP5036131B2 (es) |
| KR (1) | KR100883124B1 (es) |
| CN (1) | CN1692380A (es) |
| AR (1) | AR041128A1 (es) |
| AU (1) | AU2003267806B2 (es) |
| BR (1) | BR0314465A (es) |
| CA (1) | CA2498672C (es) |
| EA (1) | EA007646B1 (es) |
| EG (1) | EG23456A (es) |
| IE (1) | IES20020712A2 (es) |
| MX (1) | MXPA05002457A (es) |
| MY (1) | MY138473A (es) |
| NO (1) | NO20051196L (es) |
| NZ (1) | NZ538806A (es) |
| PL (1) | PL374726A1 (es) |
| TW (1) | TWI302270B (es) |
| WO (1) | WO2004023407A1 (es) |
| ZA (1) | ZA200502703B (es) |
Families Citing this family (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20070033100A1 (en) * | 2005-08-05 | 2007-02-08 | Performance Administration Corp. | Method and apparatus for administering maintenance and loyalty programs |
| US20070244809A1 (en) * | 2006-03-24 | 2007-10-18 | Esi Entertainment Systems Inc. | System and Method For E-Commerce |
| US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
| US7933835B2 (en) | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
| US8504473B2 (en) | 2007-03-28 | 2013-08-06 | The Western Union Company | Money transfer system and messaging system |
| US20080243705A1 (en) * | 2007-03-28 | 2008-10-02 | The Western Union Company | Third-Party Gift Registry And Payment System |
| US7783571B2 (en) | 2007-05-31 | 2010-08-24 | First Data Corporation | ATM system for receiving cash deposits from non-networked clients |
| US20090138255A1 (en) * | 2007-11-26 | 2009-05-28 | First Data Corporation | Customer facing device having language translation capabilities |
| US7860772B2 (en) * | 2008-09-30 | 2010-12-28 | Ebay, Inc. | Funding on-line accounts |
| CN103548047A (zh) * | 2010-12-30 | 2014-01-29 | 拉尔斯·奥洛夫·康恩葛尔迪 | 终端真实性验证 |
| EP2737450A4 (en) * | 2011-07-29 | 2015-04-01 | Hsbc Technology & Services Usa Inc | SYSTEMS AND METHOD FOR GLOBAL TRANSFERS |
| KR102207251B1 (ko) * | 2012-08-24 | 2021-01-25 | 삼성전자주식회사 | 인터랙션 환경에 기초하여 아이템을 결정하는 방법 및 장치 |
| WO2014030876A1 (en) | 2012-08-24 | 2014-02-27 | Samsung Electronics Co., Ltd. | Method and apparatus for determining item based on interaction environment |
| US20150112856A1 (en) * | 2013-10-22 | 2015-04-23 | Kouros Ershadi | System and Method for Facilitating International Money Transfers |
| US20170345038A1 (en) * | 2016-05-31 | 2017-11-30 | Capital One Services, Llc | Systems and methods for providing a redeemable commerce object |
| US10776772B2 (en) | 2016-09-30 | 2020-09-15 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
| US11257066B2 (en) | 2016-09-30 | 2022-02-22 | Middleware, Inc. | Automated digital method and system of providing or sharing access |
| US10700875B1 (en) | 2017-05-01 | 2020-06-30 | Wells Fargo Bank, N.A. | Systems and methods for value transfers using signcryption |
Family Cites Families (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2304965A2 (fr) * | 1974-03-25 | 1976-10-15 | Innovation Ste Int | Procede et dispositif de commande electronique |
| US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
| DE4243851A1 (de) | 1992-12-23 | 1994-06-30 | Deutsche Bundespost Telekom | Verfahren zum Transferieren von Buchgeldbeträgen auf und von Chipkarten |
| JPH08214281A (ja) * | 1995-02-06 | 1996-08-20 | Sony Corp | 課金方法および課金システム |
| US5659165A (en) * | 1995-07-24 | 1997-08-19 | Citibank. N.A. | Customer-directed, automated process for transferring funds between accounts via a communications network |
| US5949044A (en) * | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
| WO1999019843A2 (de) * | 1997-10-15 | 1999-04-22 | Angewandte Digital Elektronik Gmbh | Verfahren zur nutzung von speichereinheiten von chipkarten |
| US7809636B1 (en) | 1998-11-13 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | System and method for multicurrency and multibank processing over a non-secure network |
| WO2000031685A1 (en) * | 1998-11-20 | 2000-06-02 | Keycorp Limited | Multiple scheme electronic cash system |
| AU3833400A (en) * | 1999-04-13 | 2000-11-14 | Orbis Patents Limited | Person-to-person, person-to-business, business-to-person, and business-to-business financial transaction system |
| EP1058217A3 (en) * | 1999-05-26 | 2002-08-28 | Citibank, N.A. | Financial services systems and methods for transferring funds |
| IES990584A2 (en) * | 1999-07-12 | 2000-07-12 | Mainline Corporate Holdings | Dynamic currency conversion for card payment systems |
| CA2313312A1 (en) | 1999-07-27 | 2001-01-27 | Nortel Networks Corporation | System, method, and computer program product for smart card to smart card transactions |
| AU2001267188A1 (en) * | 2000-06-06 | 2001-12-17 | Albert D. March | System and method for transferring funds |
| EP1337953A4 (en) * | 2000-11-29 | 2009-03-25 | Andree Michelle Petigny | METHOD AND SYSTEM FOR TRANSFERRING ELECTRONIC FUNDS |
| US6993507B2 (en) | 2000-12-14 | 2006-01-31 | Pacific Payment Systems, Inc. | Bar coded bill payment system and method |
| US20020107697A1 (en) * | 2001-02-05 | 2002-08-08 | Jensen John Michael | Method and system to enable, to organize, to facilitate, and to transact communications for a fee or cost utilizing a network such as the internet |
-
2002
- 2002-09-04 IE IE20020712A patent/IES20020712A2/en not_active IP Right Cessation
-
2003
- 2003-09-01 BR BR0314465-8A patent/BR0314465A/pt not_active Application Discontinuation
- 2003-09-01 PL PL03374726A patent/PL374726A1/xx not_active Application Discontinuation
- 2003-09-01 EA EA200500437A patent/EA007646B1/ru not_active IP Right Cessation
- 2003-09-01 KR KR1020057003825A patent/KR100883124B1/ko not_active IP Right Cessation
- 2003-09-01 MX MXPA05002457A patent/MXPA05002457A/es not_active Application Discontinuation
- 2003-09-01 CN CNA038243024A patent/CN1692380A/zh active Pending
- 2003-09-01 CA CA2498672A patent/CA2498672C/en not_active Expired - Fee Related
- 2003-09-01 NZ NZ538806A patent/NZ538806A/en not_active IP Right Cessation
- 2003-09-01 WO PCT/IE2003/000119 patent/WO2004023407A1/en active Application Filing
- 2003-09-01 JP JP2004533793A patent/JP5036131B2/ja not_active Expired - Fee Related
- 2003-09-01 AU AU2003267806A patent/AU2003267806B2/en not_active Ceased
- 2003-09-01 US US10/526,815 patent/US8719153B2/en not_active Expired - Fee Related
- 2003-09-02 EP EP20030077748 patent/EP1398739A1/en not_active Ceased
- 2003-09-03 AR ARP030103181A patent/AR041128A1/es not_active Application Discontinuation
- 2003-09-03 TW TW092124346A patent/TWI302270B/zh not_active IP Right Cessation
- 2003-09-03 EG EG2003090867A patent/EG23456A/xx active
- 2003-09-03 MY MYPI20033331A patent/MY138473A/en unknown
-
2005
- 2005-03-07 NO NO20051196A patent/NO20051196L/no not_active Application Discontinuation
- 2005-04-04 ZA ZA200502703A patent/ZA200502703B/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| IES20020712A2 (en) | 2004-03-10 |
| KR20050057211A (ko) | 2005-06-16 |
| TWI302270B (en) | 2008-10-21 |
| BR0314465A (pt) | 2005-07-26 |
| ZA200502703B (en) | 2006-06-28 |
| MXPA05002457A (es) | 2005-09-30 |
| EG23456A (en) | 2005-09-27 |
| AU2003267806A1 (en) | 2004-03-29 |
| KR100883124B1 (ko) | 2009-02-10 |
| PL374726A1 (en) | 2005-10-31 |
| TW200411510A (en) | 2004-07-01 |
| US20060149667A1 (en) | 2006-07-06 |
| JP5036131B2 (ja) | 2012-09-26 |
| EP1398739A1 (en) | 2004-03-17 |
| US8719153B2 (en) | 2014-05-06 |
| EA007646B1 (ru) | 2006-12-29 |
| CA2498672A1 (en) | 2004-03-18 |
| NZ538806A (en) | 2007-04-27 |
| JP2005538448A (ja) | 2005-12-15 |
| AU2003267806B2 (en) | 2008-07-03 |
| MY138473A (en) | 2009-06-30 |
| WO2004023407A1 (en) | 2004-03-18 |
| CN1692380A (zh) | 2005-11-02 |
| EA200500437A1 (ru) | 2005-08-25 |
| CA2498672C (en) | 2016-01-26 |
| NO20051196L (no) | 2005-06-02 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FC | Refusal |