BR112013026408A2 - montagem e método para tratar de transações - Google Patents

montagem e método para tratar de transações

Info

Publication number
BR112013026408A2
BR112013026408A2 BR112013026408A BR112013026408A BR112013026408A2 BR 112013026408 A2 BR112013026408 A2 BR 112013026408A2 BR 112013026408 A BR112013026408 A BR 112013026408A BR 112013026408 A BR112013026408 A BR 112013026408A BR 112013026408 A2 BR112013026408 A2 BR 112013026408A2
Authority
BR
Brazil
Prior art keywords
transaction
electronic
payment
transaction order
order
Prior art date
Application number
BR112013026408A
Other languages
English (en)
Inventor
Eugène Raymond Ten Cate
Original Assignee
Sepasoft B V
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 Sepasoft B V filed Critical Sepasoft B V
Publication of BR112013026408A2 publication Critical patent/BR112013026408A2/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
    • G06Q20/08—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
    • G06Q20/02—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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

abstract the invention relates to an assembly for handling transactions between a merchant and a consumer, comprising: - a cash register for generating and sending invoice data representative of the one or more products and/or one or more services relating to a transaction; - at least one payment terminal for generating and sending an electronic transaction order; - a payment system for electronic transfer of the transaction amount from the bank account of the consumer to the bank account of the merchant; - a transaction order processor for electronic clearing and settlement of the transaction amount associated with the transaction order, - a payment management system adapted to receive the invoice data and the electronic transaction order and to store at least a part thereof on a storage medium, wherein the payment management system is further adapted to control a transaction order processor in order to perform the transaction on the payment system. tradução do resumo resumo patente de invenção: "montagem e método para tratar de transações". a invenção refere-se a uma montagem para tratar de transações entre um comerciante e um consumidor que compreende: - uma caixa registradora para gerar e enviar dados de fatura representativos do um ou mais produtos e/ou um ou mais serviços referentes a uma transação; - pelo menos um terminal de pagamento para gerar e enviar uma ordem de transação eletrônica; - um sistema de pagamento para a transferência eletrônica da quantidade de transação da conta bancária do consumidor para a conta bancária do comerciante; - um processador de ordem de transação para a compensação e liquidação eletrônicas da quantidade de transação associada à ordem de transação, - um sistema de gerenciamento de pagamento adaptado para receber os dados de fatura e a ordem de transação eletrônica e para armazenar pelo menos uma parte dos mesmos em um meio de armazenamento, em que o sistema de gerenciamento de pagamento é adicionalmente adaptado para controlar um processador de ordem de transação para realizar a transação no sistema de pagamento.
BR112013026408A 2011-04-14 2012-04-16 montagem e método para tratar de transações BR112013026408A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
NL2006609A NL2006609C2 (nl) 2011-04-14 2011-04-14 Samenstel en werkwijze voor het afhandelen van transacties.
PCT/NL2012/050249 WO2012141589A1 (en) 2011-04-14 2012-04-16 Assembly and method of handling transactions

Publications (1)

Publication Number Publication Date
BR112013026408A2 true BR112013026408A2 (pt) 2016-12-20

Family

ID=46022612

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112013026408A BR112013026408A2 (pt) 2011-04-14 2012-04-16 montagem e método para tratar de transações

Country Status (5)

Country Link
US (1) US20140172596A1 (pt)
BR (1) BR112013026408A2 (pt)
MX (1) MX337748B (pt)
NL (1) NL2006609C2 (pt)
WO (1) WO2012141589A1 (pt)

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US8589295B2 (en) 2007-12-21 2013-11-19 Metabank Transfer account systems, computer program products, and associated computer-implemented methods
US10515405B2 (en) 2008-03-03 2019-12-24 Metabank Person-to-person lending program product, system, and associated computer-implemented methods
US11227331B2 (en) 2008-05-14 2022-01-18 Metabank System, program product, and computer-implemented method for loading a loan on an existing pre-paid card
US20110082737A1 (en) * 2009-09-28 2011-04-07 Crowe Andrew B Computer-implemented methods, computer program products, and systems for management and control of a loyalty rewards network
US20140025571A1 (en) * 2012-07-23 2014-01-23 Its, Inc. System and method for dual message consumer authentication value-based eft transactions
US10430771B2 (en) 2012-07-31 2019-10-01 Worldpay, Llc Systems and methods for payment processing on platforms
CN104268750B (zh) * 2014-10-30 2018-08-07 中国建设银行股份有限公司 一种缴费方法及系统、电子商务平台
US11164188B2 (en) * 2017-11-14 2021-11-02 Intel Corporation Methods and apparatus to securely handle chip cards
JP7329582B2 (ja) * 2021-12-07 2023-08-18 株式会社エヌ・ティ・ティ・データ 決済システム、決済方法、プログラム

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US5181238A (en) * 1989-05-31 1993-01-19 At&T Bell Laboratories Authenticated communications access service
US6876971B1 (en) * 2000-07-05 2005-04-05 Every Penny Counts, Inc. Funds distribution system connected with point of sale transaction
WO1996034471A2 (en) * 1995-04-17 1996-10-31 Katz Aron B Fraud resistant remote purchasing system
WO2002101512A2 (en) * 2001-06-12 2002-12-19 Paytronix Systems, Inc. Customer identification, loyalty and merchant payment gateway system
US7131571B2 (en) * 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7853525B2 (en) * 2003-07-15 2010-12-14 Microsoft Corporation Electronic draft capture
BRPI0512468A (pt) * 2004-06-25 2008-03-11 Ian Charles Ogilvy método, aparelho e sistema para processar uma transação de pagamento; banco de dados; dispositivo passivo; programa de computador; mìdia legìvel por computador; método para o lançamento de aplicações de software; e método ou organizador de uma fila
US7566002B2 (en) * 2005-01-06 2009-07-28 Early Warning Services, Llc Identity verification systems and methods
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Also Published As

Publication number Publication date
MX337748B (es) 2016-03-17
MX2013011881A (es) 2014-03-26
NL2006609C2 (nl) 2012-10-16
WO2012141589A1 (en) 2012-10-18
US20140172596A1 (en) 2014-06-19

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Legal Events

Date Code Title Description
B06F Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette]
B06U Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]
B11B Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements