BR112013016628A2 - sistema e método de pagamento móvel - Google Patents
sistema e método de pagamento móvelInfo
- Publication number
- BR112013016628A2 BR112013016628A2 BR112013016628A BR112013016628A BR112013016628A2 BR 112013016628 A2 BR112013016628 A2 BR 112013016628A2 BR 112013016628 A BR112013016628 A BR 112013016628A BR 112013016628 A BR112013016628 A BR 112013016628A BR 112013016628 A2 BR112013016628 A2 BR 112013016628A2
- Authority
- BR
- Brazil
- Prior art keywords
- payee
- message
- payment system
- mobile payment
- payment
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
-
- 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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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]
Abstract
sistema e método de pagamento móvel a invenção refere-se a um sistema e método de pagamento móvel. uma mensagem é gerada por, e recebida de, um primeiro dispositivo móvel. a mensagem inclui um código de pagamento, um valor de um pagamento, e um designador de recebedor que representa um recebedor do pagamento. uma mensagem de confirmação é então recebida do recebedor do pagamento. um valor do pagamento e uma taxa são debitados de uma primeira conta associada com o primeiro dispositivo móvel. em uma segunda conta associada com o recebedor do pagamento o valor do pagamento é então creditado. a mensagem, e a transação, são uma mensagem de texto.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201061427435P | 2010-12-27 | 2010-12-27 | |
PCT/US2011/067396 WO2012092280A1 (en) | 2010-12-27 | 2011-12-27 | Mobile payment system and method |
Publications (1)
Publication Number | Publication Date |
---|---|
BR112013016628A2 true BR112013016628A2 (pt) | 2018-06-19 |
Family
ID=46383501
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR112013016628A BR112013016628A2 (pt) | 2010-12-27 | 2011-12-27 | sistema e método de pagamento móvel |
Country Status (5)
Country | Link |
---|---|
US (1) | US20120221467A1 (pt) |
EP (1) | EP2659443A1 (pt) |
BR (1) | BR112013016628A2 (pt) |
CA (1) | CA2823321A1 (pt) |
WO (1) | WO2012092280A1 (pt) |
Families Citing this family (38)
Publication number | Priority date | Publication date | Assignee | Title |
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US9990674B1 (en) | 2007-12-14 | 2018-06-05 | Consumerinfo.Com, Inc. | Card registry systems and methods |
US8312033B1 (en) | 2008-06-26 | 2012-11-13 | Experian Marketing Solutions, Inc. | Systems and methods for providing an integrated identifier |
US8060424B2 (en) | 2008-11-05 | 2011-11-15 | Consumerinfo.Com, Inc. | On-line method and system for monitoring and reporting unused available credit |
US9483606B1 (en) | 2011-07-08 | 2016-11-01 | Consumerinfo.Com, Inc. | Lifescore |
US9106691B1 (en) | 2011-09-16 | 2015-08-11 | Consumerinfo.Com, Inc. | Systems and methods of identity protection and management |
US8738516B1 (en) | 2011-10-13 | 2014-05-27 | Consumerinfo.Com, Inc. | Debt services candidate locator |
US9171304B2 (en) | 2011-11-22 | 2015-10-27 | Aurus Inc. | Systems and methods for removing point of sale processing from PCI scope |
US9853959B1 (en) | 2012-05-07 | 2017-12-26 | Consumerinfo.Com, Inc. | Storage and maintenance of personal data |
US9426232B1 (en) * | 2012-08-21 | 2016-08-23 | Google Inc. | Geo-location based content publishing platform |
US9660993B2 (en) * | 2012-10-25 | 2017-05-23 | Facebook, Inc. | Event reporting and handling |
US9654541B1 (en) | 2012-11-12 | 2017-05-16 | Consumerinfo.Com, Inc. | Aggregating user web browsing data |
US9916621B1 (en) | 2012-11-30 | 2018-03-13 | Consumerinfo.Com, Inc. | Presentation of credit score factors |
US9406085B1 (en) | 2013-03-14 | 2016-08-02 | Consumerinfo.Com, Inc. | System and methods for credit dispute processing, resolution, and reporting |
US10102570B1 (en) | 2013-03-14 | 2018-10-16 | Consumerinfo.Com, Inc. | Account vulnerability alerts |
US10685398B1 (en) | 2013-04-23 | 2020-06-16 | Consumerinfo.Com, Inc. | Presenting credit score information |
US20140337216A1 (en) * | 2013-05-13 | 2014-11-13 | Ramalingam Krishnamurthi Anand | Fraud prevention for transactions |
US9940608B2 (en) * | 2013-05-16 | 2018-04-10 | Mts Holdings, Inc. | Real time EFT network-based person-to-person transactions |
US9467828B2 (en) * | 2013-11-08 | 2016-10-11 | Gogo Llc | Systems and methods for configuring an electronic device for cellular-based communications |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US9477737B1 (en) | 2013-11-20 | 2016-10-25 | Consumerinfo.Com, Inc. | Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules |
WO2015160274A1 (ru) * | 2014-04-14 | 2015-10-22 | Геннадий Александрович ОЛЕЙНОВ | Платёжная сеть |
US11429948B2 (en) * | 2014-04-15 | 2022-08-30 | Capital One Services, Llc | System and method for inter-bank and intra-bank mobile banking communications and transfers |
US9892457B1 (en) | 2014-04-16 | 2018-02-13 | Consumerinfo.Com, Inc. | Providing credit data in search results |
US20150363762A1 (en) * | 2014-06-14 | 2015-12-17 | Mastercard International Incorporated | Apparatus, method, and computer program product for mobile open payment network |
US9135615B1 (en) | 2014-08-18 | 2015-09-15 | Aurus, Inc. | Systems and methods for processing payment transactions at fuel dispensing stations |
KR102323805B1 (ko) * | 2014-12-24 | 2021-11-10 | 십일번가 주식회사 | 웹 기반 인증 결제 장치, 웹 기반 인증 결제 방법, 웹 기반 인증 결제 시스템 및 컴퓨터 프로그램이 기록된 기록매체 |
US10193700B2 (en) | 2015-02-27 | 2019-01-29 | Samsung Electronics Co., Ltd. | Trust-zone-based end-to-end security |
US10699274B2 (en) | 2015-08-24 | 2020-06-30 | Samsung Electronics Co., Ltd. | Apparatus and method for secure electronic payment |
US10846696B2 (en) | 2015-08-24 | 2020-11-24 | Samsung Electronics Co., Ltd. | Apparatus and method for trusted execution environment based secure payment transactions |
US20170068960A1 (en) * | 2015-09-08 | 2017-03-09 | Sk Planet Co., Ltd. | Web based payment service providing apparatus, method, system, and non-transitory computer readable storage medium storing computer program recorded thereon |
US10282526B2 (en) * | 2015-12-09 | 2019-05-07 | Hand Held Products, Inc. | Generation of randomized passwords for one-time usage |
US10776838B2 (en) | 2016-03-01 | 2020-09-15 | Mx Technologies, Inc. | Item level data aggregation |
SG11201807812PA (en) * | 2016-03-11 | 2018-10-30 | Mastercard International Inc | Method and system for point to point transaction processing |
WO2018111127A1 (ru) * | 2016-12-13 | 2018-06-21 | ОЛЕЙНОВ, Геннадий Александрович | Платёжная сеть |
US20200074100A1 (en) | 2018-09-05 | 2020-03-05 | Consumerinfo.Com, Inc. | Estimating changes to user risk indicators based on modeling of similarly categorized users |
US11315179B1 (en) | 2018-11-16 | 2022-04-26 | Consumerinfo.Com, Inc. | Methods and apparatuses for customized card recommendations |
US11238656B1 (en) | 2019-02-22 | 2022-02-01 | Consumerinfo.Com, Inc. | System and method for an augmented reality experience via an artificial intelligence bot |
US11941065B1 (en) | 2019-09-13 | 2024-03-26 | Experian Information Solutions, Inc. | Single identifier platform for storing entity data |
Family Cites Families (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2429549A (en) * | 2003-10-06 | 2007-02-28 | Napoleon Corp | A cashflow funding system |
WO2007104030A1 (en) * | 2006-03-08 | 2007-09-13 | Kinemed, Inc. | Retinoids and related compounds for the treatment of neuroinflammatory conditions, diseases and disorders |
WO2008061151A2 (en) * | 2006-11-14 | 2008-05-22 | Globaltel Media, Inc. | Mobile-to-mobile payment system and method |
US20090171837A1 (en) * | 2007-12-26 | 2009-07-02 | Joseph Leo Moreno | Systems and methods for mobile payment |
US20080208739A1 (en) * | 2007-02-27 | 2008-08-28 | Phillips Mark E | Transactional services associated with mobile devices |
US8660966B2 (en) * | 2007-08-31 | 2014-02-25 | Microsoft Corporation | Payment system and method |
US20110078077A1 (en) * | 2009-09-29 | 2011-03-31 | Boku, Inc. | Systems and Methods to Facilitate Online Transactions |
-
2011
- 2011-12-27 EP EP11852966.8A patent/EP2659443A1/en not_active Withdrawn
- 2011-12-27 CA CA2823321A patent/CA2823321A1/en not_active Abandoned
- 2011-12-27 BR BR112013016628A patent/BR112013016628A2/pt not_active IP Right Cessation
- 2011-12-27 US US13/338,110 patent/US20120221467A1/en not_active Abandoned
- 2011-12-27 WO PCT/US2011/067396 patent/WO2012092280A1/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
CA2823321A1 (en) | 2012-07-05 |
WO2012092280A1 (en) | 2012-07-05 |
US20120221467A1 (en) | 2012-08-30 |
EP2659443A1 (en) | 2013-11-06 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
B08F | Application fees: application dismissed [chapter 8.6 patent gazette] | ||
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 2477 DE 26-06-2018 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. |