AR121795A1 - Sistema y método de transacción financiera - Google Patents
Sistema y método de transacción financieraInfo
- Publication number
- AR121795A1 AR121795A1 ARP210100929A ARP210100929A AR121795A1 AR 121795 A1 AR121795 A1 AR 121795A1 AR P210100929 A ARP210100929 A AR P210100929A AR P210100929 A ARP210100929 A AR P210100929A AR 121795 A1 AR121795 A1 AR 121795A1
- Authority
- AR
- Argentina
- Prior art keywords
- authentication code
- server
- atm
- mobile terminal
- authentication
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/204—Loading of a stored value token using an ATM
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/208—Use of an ATM as a switch or hub
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Economics (AREA)
- Computer Hardware Design (AREA)
- Computer Security & Cryptography (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Un sistema de transacciones financieras incluye un servidor bancario, un servidor de transferencia de código de autenticación y un cajero automático. El servidor bancario genera un código de autenticación en respuesta a un mensaje de solicitud recibido desde un terminal móvil. Luego, el servidor bancario transmite el código de autenticación al terminal móvil. El servidor de transferencia del código de autenticación recibe el código de autenticación del terminal móvil y reenvía el código de autenticación al cajero automático que luego transmite el código de autenticación al servidor bancario para la autenticación de la transacción. El servidor bancario realiza la autenticación de transacciones comparando el código recibido del cajero automático con el código generado previamente por el servidor bancario. El cajero automático dispensa efectivo de acuerdo con la información de la transacción ingresada por un usuario que usa el terminal móvil al recibir un mensaje de aprobación de la transacción del servidor del banco.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020200042687A KR102669787B1 (ko) | 2020-04-08 | 금융거래 자동화기기를 이용한 금융거래 방법 및 금융거래 시스템 |
Publications (1)
Publication Number | Publication Date |
---|---|
AR121795A1 true AR121795A1 (es) | 2022-07-13 |
Family
ID=78006350
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ARP210100929A AR121795A1 (es) | 2020-04-08 | 2021-04-08 | Sistema y método de transacción financiera |
Country Status (7)
Country | Link |
---|---|
US (1) | US11393298B2 (es) |
EP (1) | EP4133444A4 (es) |
JP (1) | JP7171078B2 (es) |
CN (1) | CN115362462A (es) |
AR (1) | AR121795A1 (es) |
TW (1) | TW202139107A (es) |
WO (1) | WO2021206481A1 (es) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2018045134A1 (en) | 2016-09-04 | 2018-03-08 | Mastercard International Incorporated | Method and system for cardless atm transaction via mobile device |
US11803827B2 (en) | 2019-11-01 | 2023-10-31 | Mastercard International Incorporated | Method and system for enabling cardless transactions at an ATM for any institutional entity |
Family Cites Families (19)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8561889B2 (en) * | 1998-04-17 | 2013-10-22 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Banking terminal that operates to cause financial transfers responsive to data bearing records |
WO2002009001A1 (en) * | 2000-07-20 | 2002-01-31 | Citicorp Development Center, Inc. | Method and system for performing a cash transaction with a self-service financial transaction terminal |
US20110238573A1 (en) | 2010-03-25 | 2011-09-29 | Computer Associates Think, Inc. | Cardless atm transaction method and system |
EP2656292A4 (en) * | 2010-12-23 | 2014-07-02 | Paydiant Inc | METHOD AND SYSTEMS FOR MOBILE PHONE PAYMENT PROCESSING |
US9922370B2 (en) * | 2011-11-15 | 2018-03-20 | Ncr Corporation | Techniques for automated teller machine (ATM) transactions |
KR20140111067A (ko) | 2013-02-28 | 2014-09-18 | 주식회사 하나은행 | 입출금 관리 장치, 고객 단말 및 이를 이용한 입출금 방법 |
US10438455B2 (en) * | 2014-10-31 | 2019-10-08 | Diebold Nixdorf, Incorporated | Modular consumer financial services and transaction systems |
JP6561345B2 (ja) * | 2015-01-23 | 2019-08-21 | 株式会社日本総合研究所 | 認証サーバ、声紋認証システム、及び声紋認証方法 |
JP5944551B1 (ja) * | 2015-04-03 | 2016-07-05 | 株式会社三菱東京Ufj銀行 | サーバ |
US20200090166A1 (en) * | 2015-04-10 | 2020-03-19 | Jpmorgan Chase Bank, N.A. | System and method for cardless transactions |
US20210027295A1 (en) * | 2015-08-24 | 2021-01-28 | Jpmorgan Chase Bank, N.A. | System and method for implementing cardless authentication |
KR101828444B1 (ko) * | 2015-09-23 | 2018-02-13 | 주식회사 하렉스인포텍 | 휴대단말을 이용한 자동입출금서비스 제공 시스템 및 방법 |
SG10201508945YA (en) * | 2015-10-29 | 2017-05-30 | Mastercard International Inc | Method and system for cardless use of an automated teller machine (atm) |
KR101865879B1 (ko) * | 2016-04-27 | 2018-06-12 | 주식회사 하렉스인포텍 | 선승인에 의한 금융거래 제공 시스템 및 그 방법 |
US11348077B2 (en) | 2016-12-12 | 2022-05-31 | Citibank, N.A. | Systems and methods for pre-staging ATM transactions |
JP7056027B2 (ja) * | 2017-08-01 | 2022-04-19 | 富士通株式会社 | 金融取引方法、金融取引システム、情報処理装置および金融取引プログラム |
JP2019040547A (ja) * | 2017-08-29 | 2019-03-14 | 沖電気工業株式会社 | 情報処理装置およびプログラム |
JP2019046044A (ja) * | 2017-08-31 | 2019-03-22 | 富士通フロンテック株式会社 | 認証サーバ、認証システム及び認証方法 |
US11023871B1 (en) * | 2019-11-26 | 2021-06-01 | Capital One Services, Llc | Authenticating a customer to a risk level using an authorization token |
-
2020
- 2020-12-02 JP JP2020200318A patent/JP7171078B2/ja active Active
- 2020-12-10 US US17/117,109 patent/US11393298B2/en active Active
-
2021
- 2021-04-08 TW TW110112706A patent/TW202139107A/zh unknown
- 2021-04-08 EP EP21785121.1A patent/EP4133444A4/en active Pending
- 2021-04-08 WO PCT/KR2021/004441 patent/WO2021206481A1/en unknown
- 2021-04-08 AR ARP210100929A patent/AR121795A1/es unknown
- 2021-04-08 CN CN202180025648.2A patent/CN115362462A/zh active Pending
Also Published As
Publication number | Publication date |
---|---|
US20210319672A1 (en) | 2021-10-14 |
KR20210125242A (ko) | 2021-10-18 |
US11393298B2 (en) | 2022-07-19 |
EP4133444A1 (en) | 2023-02-15 |
JP2021168109A (ja) | 2021-10-21 |
EP4133444A4 (en) | 2024-03-27 |
WO2021206481A1 (en) | 2021-10-14 |
TW202139107A (zh) | 2021-10-16 |
JP7171078B2 (ja) | 2022-11-15 |
CN115362462A (zh) | 2022-11-18 |
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