BR112013018020A2 - sistema e método para a composição de itens e autorização de transações - Google Patents

sistema e método para a composição de itens e autorização de transações

Info

Publication number
BR112013018020A2
BR112013018020A2 BR112013018020A BR112013018020A BR112013018020A2 BR 112013018020 A2 BR112013018020 A2 BR 112013018020A2 BR 112013018020 A BR112013018020 A BR 112013018020A BR 112013018020 A BR112013018020 A BR 112013018020A BR 112013018020 A2 BR112013018020 A2 BR 112013018020A2
Authority
BR
Brazil
Prior art keywords
transaction authorization
item composition
item
composition
authorization
Prior art date
Application number
BR112013018020A
Other languages
English (en)
Inventor
f doyle Paul
Original Assignee
f doyle Paul
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 f doyle Paul filed Critical f doyle Paul
Publication of BR112013018020A2 publication Critical patent/BR112013018020A2/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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • 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
    • 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
    • G06Q20/38—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
    • G06Q20/4014—Identity check for transactions
    • 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
BR112013018020A 2011-01-14 2012-01-17 sistema e método para a composição de itens e autorização de transações BR112013018020A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161432995P 2011-01-14 2011-01-14
PCT/US2012/021549 WO2012097369A2 (en) 2011-01-14 2012-01-17 System and method for compositing items and authorizing transactions

Publications (1)

Publication Number Publication Date
BR112013018020A2 true BR112013018020A2 (pt) 2019-09-24

Family

ID=46491515

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112013018020A BR112013018020A2 (pt) 2011-01-14 2012-01-17 sistema e método para a composição de itens e autorização de transações

Country Status (7)

Country Link
US (3) US9613343B2 (pt)
EP (1) EP2663959A2 (pt)
JP (1) JP2014502770A (pt)
CN (1) CN103443818A (pt)
BR (1) BR112013018020A2 (pt)
CA (1) CA2824841A1 (pt)
WO (1) WO2012097369A2 (pt)

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US9852406B2 (en) 2012-01-17 2017-12-26 Deluxe Small Business Sales, Inc. System and method for managing financial transactions based on electronic check data
US11222313B2 (en) 2008-01-11 2022-01-11 Deluxe Small Business Sales, Inc. System and method for managing financial transactions based on electronic check data
EP2663959A2 (en) 2011-01-14 2013-11-20 Paul F Doyle System and method for compositing items and authorizing transactions
US20150248676A1 (en) * 2014-02-28 2015-09-03 Sathish Vaidyanathan Touchless signature
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US20160012426A1 (en) * 2014-07-11 2016-01-14 Google Inc. Hands-free transactions with a challenge and response
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US9892455B2 (en) * 2014-11-04 2018-02-13 Bank Of America Corporation Systems and methods for enriching the searchability of a transaction
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
AU2021299440A1 (en) * 2020-06-30 2022-12-22 Stripe, Inc. A machine learning framework and method for using the same

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US5677955A (en) 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US7533064B1 (en) * 1998-10-07 2009-05-12 Paypal Inc. E-mail invoked electronic commerce
JP4911740B2 (ja) * 1998-10-08 2012-04-04 コニカミノルタホールディングス株式会社 電子手形コンピュータシステム及びコンピュータを用いた電子手形の実施方法
JP5116920B2 (ja) * 1999-04-30 2013-01-09 ペイパル， インコーポレイテッド 分散型ユーザ間で価値を電子的に交換するためのシステムおよび方法
US7072862B1 (en) * 2000-01-14 2006-07-04 H&R Block Tax Services, Inc. Spending vehicles for payments
CA2331476A1 (en) * 2000-01-19 2001-07-19 Thomas A. Arnold Accepting and processing electronic checks authorized via a public network
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US20010037318A1 (en) 2000-05-26 2001-11-01 Helena Lindskog Third party payment in e-commerce
US20080215472A1 (en) * 2000-06-27 2008-09-04 Nicholas Ahthony Lindsay Brown Variable use advanced messaging system and method
US6592029B2 (en) * 2001-02-16 2003-07-15 Ghassan Brikho System and method for gathering customer information for completing check cashing transactions
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JP2006268636A (ja) 2005-03-25 2006-10-05 Toppan Printing Co Ltd コンテンツ提供システム、方法、プログラム、及びそのプログラムを記録した記録媒体
US20070185822A1 (en) 2005-12-28 2007-08-09 Santosh Kaveti System and method for online third-party payment processing
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US7925588B2 (en) * 2006-05-18 2011-04-12 Pitney Bowes Inc. Image based positive pay checking system
US20090248555A1 (en) 2006-08-30 2009-10-01 Cardit, Llc System and Method for Third Party Payment Processing of Credit Cards
US20080247629A1 (en) * 2006-10-10 2008-10-09 Gilder Clark S Systems and methods for check 21 image replacement document enhancements
US8626661B2 (en) * 2006-10-10 2014-01-07 Global Standard Financial, Inc. Electronic lockbox using digitally originated checks
US20080249951A1 (en) 2006-10-10 2008-10-09 Gilder Clark S Security systems and methods for digital payments
US7792748B1 (en) * 2007-09-19 2010-09-07 Capital One Financial Corporation Method and system for performing a financial transaction using a user interface
US9852406B2 (en) 2012-01-17 2017-12-26 Deluxe Small Business Sales, Inc. System and method for managing financial transactions based on electronic check data
US20090319427A1 (en) 2008-06-23 2009-12-24 Jeffrey Gardner Methods for electronic payments using a third party facilitator
US20100198733A1 (en) 2009-02-04 2010-08-05 Qualcomm Incorporated Enabling Payment Using Paperless Image Of A Check
SI23227A (sl) * 2010-03-10 2011-05-31 Margento R&D D.O.O. Brezžični mobilni transakcijski sistem in postopek izvedbe transakcije z mobilnim telefonom
US20110264558A1 (en) 2010-04-26 2011-10-27 Alexandrou Alexandros P Third party transaction payment processing
US8590779B2 (en) * 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
EP2663959A2 (en) 2011-01-14 2013-11-20 Paul F Doyle System and method for compositing items and authorizing transactions
US20120310782A1 (en) 2011-06-03 2012-12-06 Ebay Inc. System for user to user payments facilitated by a third party
US20130060679A1 (en) 2011-09-06 2013-03-07 Rawllin International Inc. Third-party payments for electronic commerce

Also Published As

Publication number Publication date
US20170243174A1 (en) 2017-08-24
CN103443818A (zh) 2013-12-11
CA2824841A1 (en) 2012-07-19
WO2012097369A3 (en) 2012-11-01
JP2014502770A (ja) 2014-02-03
EP2663959A2 (en) 2013-11-20
WO2012097369A2 (en) 2012-07-19
US20120185387A1 (en) 2012-07-19
US9613343B2 (en) 2017-04-04
US20210042714A1 (en) 2021-02-11

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Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [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 2543 DE 01-10-2019 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.