BR0205535A - Sistema seguro de pagamentos on line - Google Patents

Sistema seguro de pagamentos on line

Info

Publication number
BR0205535A
BR0205535A BR0205535-0A BR0205535A BR0205535A BR 0205535 A BR0205535 A BR 0205535A BR 0205535 A BR0205535 A BR 0205535A BR 0205535 A BR0205535 A BR 0205535A
Authority
BR
Brazil
Prior art keywords
security
cardholder
concept
secure online
present
Prior art date
Application number
BR0205535-0A
Other languages
English (en)
Inventor
Gerard J Barry
Original Assignee
Mainline Corporate Holdings
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 Mainline Corporate Holdings filed Critical Mainline Corporate Holdings
Publication of BR0205535A publication Critical patent/BR0205535A/pt

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
    • G06Q20/38—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
    • 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
    • G06Q20/04—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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/351—Virtual cards
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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

Abstract

"SISTEMA SEGURO DE PAGAMENTOS "ON-LINE". A presente invenção refere-se ao campo do comércio eletrónico e, particularmente, à efetivação de compras "on-line" utilizando cartões de pagamento, tais como cartões de crédito, débito ou cobrança. O conceito da presente invenção adota abordagem alternativa aos métodos de segurança empregados atualmente para proteger os portadores de cartões. O conceito elimina a necessidade de um portador de cartão transmitir os números de cartão juntamente com outros detalhes de compra no momento da aquisição e acopla isso à utilização de uma função de senha. Isso torna a transação similar a uma retirada em espécie do banco em que os Bancos/Administradoras de cartões estão totalmente felizes do ponto de vista de segurança, mas estão relutantes a permitir que o comércio eletrónico e/ou quaisquer outros tenham acesso à sua "rede" para garantir a Segurança.
BR0205535-0A 2001-06-01 2002-06-04 Sistema seguro de pagamentos on line BR0205535A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IE20010524A IES20010524A2 (en) 2001-06-01 2001-06-01 A secure on-line payment system
PCT/IE2002/000072 WO2002097752A2 (en) 2001-06-01 2002-06-04 A secure on-line payment system

Publications (1)

Publication Number Publication Date
BR0205535A true BR0205535A (pt) 2003-07-08

Family

ID=11042787

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0205535-0A BR0205535A (pt) 2001-06-01 2002-06-04 Sistema seguro de pagamentos on line

Country Status (24)

Country Link
US (1) US8219488B2 (pt)
EP (1) EP1430455A2 (pt)
JP (1) JP2004533062A (pt)
KR (1) KR20030019646A (pt)
CN (2) CN101630390A (pt)
AP (1) AP2875A (pt)
AU (1) AU2002309199B2 (pt)
BG (1) BG66353B1 (pt)
BR (1) BR0205535A (pt)
CA (1) CA2462398C (pt)
DE (1) DE20220745U1 (pt)
EA (1) EA005835B1 (pt)
HU (1) HU227081B1 (pt)
IE (2) IES20010524A2 (pt)
IL (1) IL159049A0 (pt)
IS (1) IS7053A (pt)
MX (1) MXPA03011016A (pt)
NO (1) NO20030537L (pt)
NZ (1) NZ529828A (pt)
PL (1) PL366838A1 (pt)
TR (1) TR200302226T1 (pt)
WO (1) WO2002097752A2 (pt)
YU (1) YU8003A (pt)
ZA (1) ZA200300887B (pt)

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JP2006513512A (ja) * 2002-11-07 2006-04-20 プラネット グループ，インク． 取引時外貨換算
GB0302320D0 (en) * 2003-01-31 2003-03-05 Neopost Ltd Mail handling system
US8732044B2 (en) 2006-05-23 2014-05-20 Mastercard International Incorporated Electronic transaction apparatus and method
US8175961B2 (en) * 2006-11-17 2012-05-08 Visa International Service Association Method and system for using payment history for conducting commercial transactions
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US7603312B2 (en) * 2007-04-25 2009-10-13 Pe Systems, Inc. Altering card-issuer interchange categories
US8078531B2 (en) * 2007-04-25 2011-12-13 Pe Systems, Llc Auditing or determining reductions to card-issuer interchange fees
WO2008144772A1 (en) * 2007-05-24 2008-11-27 Arpu, Inc. Subscription promotion and management system and method
US7882026B1 (en) 2007-07-25 2011-02-01 United Services Automobile Association (Usaa) Systems and methods for a flat interchange fee for high value credit card purchases
US20090182675A1 (en) * 2008-01-04 2009-07-16 Brody Edward Method and system for conducting electronic commerce over a network using a shadow credit card number
US10970777B2 (en) 2008-09-15 2021-04-06 Mastercard International Incorporated Apparatus and method for bill payment card enrollment
US8595134B2 (en) 2010-02-12 2013-11-26 Mastercard International Incorporated Apparatus and method for bill presentment and payment
CN102592219B (zh) * 2012-01-21 2016-06-15 博泰雄森（北京）网络科技有限公司 基于授权码与移动终端号码关联的支付方法、系统和设备
EP2775687A1 (en) * 2013-03-04 2014-09-10 British Telecommunications public limited company Secure data entry system
CN103198397B (zh) * 2013-04-12 2014-12-17 江苏通付盾信息科技有限公司 一种基于风险评估和多重可信的移动支付方法
US9613358B1 (en) 2013-08-19 2017-04-04 Marqeta, Inc. System, method, and computer program for capturing a unique identifier for a merchant used in purchase transaction approval requests
US9767457B1 (en) * 2013-08-19 2017-09-19 Marqeta, Inc. System, method, and computer program for dynamically identifying a merchant associated with an authorization request for a payment card
CN105577730A (zh) * 2014-10-24 2016-05-11 腾讯数码（深圳）有限公司 一种数据转移方法和设备
US10043160B2 (en) * 2015-01-16 2018-08-07 Bank Of America Corporation Method and apparatus for providing a balance-verified ACH identifier
US11636465B1 (en) 2015-10-21 2023-04-25 Marqeta, Inc. System, method, and computer program for funding a payment card account from an external source just-in-time for a purchase
US11023885B2 (en) 2017-06-30 2021-06-01 Marqeta, Inc. System, method, and computer program for securely transmitting and presenting payment card data in a web client
CN113191766B (zh) * 2021-05-08 2022-09-13 上海亿为科技有限公司 基于云计算校验支付行为安全的方法、装置及设备

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Also Published As

Publication number Publication date
IS7053A (is) 2003-11-26
HU227081B1 (en) 2010-06-28
CA2462398A1 (en) 2002-12-05
KR20030019646A (ko) 2003-03-06
CA2462398C (en) 2017-02-14
IES20020450A2 (en) 2002-12-11
HUP0500520A2 (hu) 2005-08-29
AP2875A (en) 2014-03-31
NZ529828A (en) 2006-09-29
DE20220745U1 (de) 2004-03-04
NO20030537D0 (no) 2003-02-03
WO2002097752A3 (en) 2004-04-08
WO2002097752A2 (en) 2002-12-05
IES20010524A2 (en) 2002-12-11
CN1556972A (zh) 2004-12-22
NO20030537L (no) 2003-03-31
BG66353B1 (bg) 2013-08-30
BG108478A (bg) 2005-02-28
EA005835B1 (ru) 2005-06-30
PL366838A1 (en) 2005-02-07
EP1430455A2 (en) 2004-06-23
AU2002309199B2 (en) 2006-12-21
ZA200300887B (en) 2004-07-20
US20050049963A1 (en) 2005-03-03
US8219488B2 (en) 2012-07-10
IL159049A0 (en) 2004-05-12
JP2004533062A (ja) 2004-10-28
EA200301199A1 (ru) 2004-06-24
CN101630390A (zh) 2010-01-20
MXPA03011016A (es) 2005-09-21
YU8003A (sh) 2004-09-03
TR200302226T1 (tr) 2004-09-21

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Legal Events

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B25A Requested transfer of rights approved

Owner name: EUROPEAN TAX FREE SHOPPING LIMITED (IE)

Free format text: TRANSFERIDO DE: MAINLINE CORPORATE HOLDINGS LIMITED

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: INDEFIRO O PEDIDO DE ACORDO COM O ART. 8O COMBINADO COM ART. 13 DA LPI

B12B Appeal against refusal [chapter 12.2 patent gazette]
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE A 13A ANUIDADE.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2310 DE 14-04-2015 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.