BR112013032215A2 - método e sistema para processamento de consultas de saldo de contas financeiras - Google Patents

método e sistema para processamento de consultas de saldo de contas financeiras

Info

Publication number
BR112013032215A2
BR112013032215A2 BR112013032215A BR112013032215A BR112013032215A2 BR 112013032215 A2 BR112013032215 A2 BR 112013032215A2 BR 112013032215 A BR112013032215 A BR 112013032215A BR 112013032215 A BR112013032215 A BR 112013032215A BR 112013032215 A2 BR112013032215 A2 BR 112013032215A2
Authority
BR
Brazil
Prior art keywords
financial account
account balance
processing financial
balance queries
queries
Prior art date
Application number
BR112013032215A
Other languages
English (en)
Inventor
Eric Means
Gary Palmer
Ralph A Bianco
Shashi Kapur
Terry Dooley
Original Assignee
Adaptive Payments Inc
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 Adaptive Payments Inc filed Critical Adaptive Payments Inc
Publication of BR112013032215A2 publication Critical patent/BR112013032215A2/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
    • G06Q20/10—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
    • G06Q20/30—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]
    • G06Q20/3221—Access to banking information 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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

abstract not avaible
BR112013032215A 2011-06-14 2012-06-13 método e sistema para processamento de consultas de saldo de contas financeiras BR112013032215A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/159,936 US20120323762A1 (en) 2011-06-14 2011-06-14 System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer
PCT/US2012/042188 WO2012174071A2 (en) 2011-06-14 2012-06-13 System and method of multi-factor balance inquiry and electronic funds transfer

Publications (1)

Publication Number Publication Date
BR112013032215A2 true BR112013032215A2 (pt) 2016-12-20

Family

ID=47354482

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112013032215A BR112013032215A2 (pt) 2011-06-14 2012-06-13 método e sistema para processamento de consultas de saldo de contas financeiras

Country Status (8)

Country Link
US (1) US20120323762A1 (pt)
EP (1) EP2721569A4 (pt)
KR (1) KR20140037213A (pt)
CN (1) CN103999106A (pt)
BR (1) BR112013032215A2 (pt)
CA (1) CA2838983A1 (pt)
MX (1) MX353645B (pt)
WO (1) WO2012174071A2 (pt)

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US20140019367A1 (en) * 2012-07-13 2014-01-16 Apple Inc. Method to send payment data through various air interfaces without compromising user data
US20140188728A1 (en) 2012-12-31 2014-07-03 Fiserv, Inc. Systems and methods for performing financial transactions
AU349934S (en) * 2013-02-23 2013-07-29 Samsung Electronics Co Ltd Display screen for an electronic device
US10726668B2 (en) * 2013-03-01 2020-07-28 Igt Transfer verification of mobile payments
USD757055S1 (en) * 2013-03-13 2016-05-24 Clinkle Corporation Display screen or portion thereof with graphical user interface
USD757056S1 (en) * 2013-03-14 2016-05-24 Clinkle Corporation Display screen or portion thereof with an animated graphical user interface
US9940608B2 (en) * 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
US20150006390A1 (en) * 2013-06-26 2015-01-01 Visa International Service Association Using steganography to perform payment transactions through insecure channels
USD747335S1 (en) * 2013-11-15 2016-01-12 Tecent Technology (Shenzhen) Company Limited Display screen with animated graphical user interface
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US9648164B1 (en) 2014-11-14 2017-05-09 United Services Automobile Association (“USAA”) System and method for processing high frequency callers
US10185946B2 (en) 2014-12-31 2019-01-22 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
USD797774S1 (en) * 2015-05-14 2017-09-19 Lg Electronics Inc. Cellular phone with graphical user interface
USD778306S1 (en) * 2015-05-14 2017-02-07 Lg Electronics Inc. Cellular phone screen with graphical user interface
USD778307S1 (en) * 2015-05-15 2017-02-07 Lg Electronics Inc. Cellular phone screen with graphical user interface
CN106355390A (zh) * 2015-07-16 2017-01-25 阿里巴巴集团控股有限公司 信息处理的方法和系统
US10217317B2 (en) * 2016-08-09 2019-02-26 Igt Gaming system and method for providing incentives for transferring funds to and from a mobile device
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
US12045809B1 (en) 2018-08-30 2024-07-23 Wells Fargo Bank, N.A. Biller consortium enrollment and transaction management engine
US20200143465A1 (en) * 2018-10-17 2020-05-07 Comenity Llc Out-of-band verification for an electronic application
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
US20210209716A1 (en) * 2020-06-29 2021-07-08 Wallace K. Stuart Resell wager market
USD955406S1 (en) 2020-07-13 2022-06-21 Professional Holding Corp. Display screen with graphical user interface for an account identifier
USD946594S1 (en) * 2020-07-20 2022-03-22 Bank Of America Corporation Device display screen with graphical user interface for payments
US11995621B1 (en) 2021-10-22 2024-05-28 Wells Fargo Bank, N.A. Systems and methods for native, non-native, and hybrid registration and use of tags for real-time services

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BRPI0917347A2 (pt) * 2008-08-26 2015-11-17 Adaptive Payments Inc método e sistema de autenticar uma transação de pagamento.
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Also Published As

Publication number Publication date
MX2013014673A (es) 2014-07-10
CA2838983A1 (en) 2012-12-20
WO2012174071A3 (en) 2014-05-08
EP2721569A4 (en) 2016-07-20
WO2012174071A2 (en) 2012-12-20
KR20140037213A (ko) 2014-03-26
EP2721569A2 (en) 2014-04-23
CN103999106A (zh) 2014-08-20
US20120323762A1 (en) 2012-12-20
MX353645B (es) 2018-01-22

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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