AR121795A1 - Sistema y método de transacción financiera - Google Patents

Sistema y método de transacción financiera

Info

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
Application number
ARP210100929A
Other languages
English (en)
Inventor
Kyung Dong Kim
Original Assignee
Alink Co Ltd
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 Alink Co Ltd filed Critical Alink Co Ltd
Publication of AR121795A1 publication Critical patent/AR121795A1/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
    • 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
    • G06Q20/30—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]
    • G06Q20/3224—Transactions dependent on location of 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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]
    • G07F19/211—Software architecture within ATMs or in relation to the ATM network
    • 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)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Signal Processing (AREA)
  • General Engineering & Computer Science (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Software Systems (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.
ARP210100929A 2020-04-08 2021-04-08 Sistema y método de transacción financiera AR121795A1 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020200042687A KR102669787B1 (ko) 2020-04-08 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 (8)

Country Link
US (1) US11393298B2 (es)
EP (1) EP4133444A4 (es)
JP (1) JP7171078B2 (es)
KR (2) KR102669787B1 (es)
CN (1) CN115362462A (es)
AR (1) AR121795A1 (es)
TW (1) TW202139107A (es)
WO (1) WO2021206481A1 (es)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
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
TWI842295B (zh) * 2022-12-23 2024-05-11 兆豐國際商業銀行股份有限公司 Nfc感應實體atm交易系統及其方法

Family Cites Families (21)

* Cited by examiner, † Cited by third party
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
AU2001277033A1 (en) * 2000-07-20 2002-02-05 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
AU2011348061B2 (en) * 2010-12-23 2015-12-10 Paypal, Inc. Mobile phone atm processing methods and systems
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
CN107251113B (zh) * 2014-10-31 2019-08-09 迪堡多富公司 自动银行机
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
KR20180112239A (ko) * 2017-04-03 2018-10-12 주식회사 하나은행 금융 자동화 거래 시스템, 금융 자동화 거래 방법 및 금융 자동화 기기(atm)
KR20190004227A (ko) * 2017-07-03 2019-01-11 주식회사 하렉스인포텍 금융 서비스 제공 시스템
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

Also Published As

Publication number Publication date
JP2021168109A (ja) 2021-10-21
KR20240081464A (ko) 2024-06-07
JP7171078B2 (ja) 2022-11-15
CN115362462A (zh) 2022-11-18
WO2021206481A1 (en) 2021-10-14
TW202139107A (zh) 2021-10-16
EP4133444A1 (en) 2023-02-15
KR102669787B1 (ko) 2024-05-28
US20210319672A1 (en) 2021-10-14
US11393298B2 (en) 2022-07-19
EP4133444A4 (en) 2024-03-27
KR20210125242A (ko) 2021-10-18

Similar Documents

Publication Publication Date Title
AR121795A1 (es) Sistema y método de transacción financiera
US12112325B2 (en) Online authentication in access transactions
US10257185B2 (en) Automated access data provisioning
CN105324784B (zh) 语音交易处理
BR0204250A (pt) Sistema e método para transações financeiras
US20140279554A1 (en) Distributed authenticity verification for consumer payment transactions
US10505978B2 (en) Utilizing trust tokens to conduct secure message exchanges
CA2832359C (en) Financial transaction systems and methods
WO2007008860A3 (en) Secure electronic transactions between a mobile device and other mobile, fixed or virtual devices
IN2014DE03249A (es)
WO2010125577A4 (en) Cardless financial transaction
CN103646327A (zh) 基于二维码的支付方法
RU2012139266A (ru) Валютное перечисление с использованием базы данных идентификационной информации
US20120317025A1 (en) Selective Authorization Method and System
US20140258121A1 (en) Method and apparatus for providing secured anonymized payment
US20190139044A1 (en) Systems and methods for enhancing online user authentication using a personal cloud platform
US20240086874A1 (en) Systems and methods for physical math based currency (mbc) credit cards
US12008525B1 (en) Mobile wallet using math based currency systems and methods
US7840459B1 (en) Method and apparatus for identity theft prevention
US11488178B2 (en) Systems and methods for verifying digital payments
US10846681B2 (en) System and method for providing payment service
US20110022518A1 (en) Apparatus including data bearing medium for seasoning a device using data obtained from multiple transaction environments
US10909510B1 (en) Systems and methods for expediting math-based currency transactions
US12112312B2 (en) System and method for rapid activation and provisioning of an electronic payment device
US20210357933A1 (en) Automated data processing system