BR112017025206A2 - sistemas e métodos para a extensão de crédito para empresas de pequeno e médio porte - Google Patents
sistemas e métodos para a extensão de crédito para empresas de pequeno e médio porteInfo
- Publication number
- BR112017025206A2 BR112017025206A2 BR112017025206A BR112017025206A BR112017025206A2 BR 112017025206 A2 BR112017025206 A2 BR 112017025206A2 BR 112017025206 A BR112017025206 A BR 112017025206A BR 112017025206 A BR112017025206 A BR 112017025206A BR 112017025206 A2 BR112017025206 A2 BR 112017025206A2
- Authority
- BR
- Brazil
- Prior art keywords
- transaction
- credit
- payment account
- systems
- methods
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/32—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]
- G06Q20/3223—Realising banking transactions 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
- G06Q20/30—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
- G06Q20/40—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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
a presente invenção refere-se a uma conta de crédito que é estabelecida para um comerciante. um limite de crédito variável é definido para a conta de crédito. uma indicação é recebida de que o comerciante aceitou uma transação de conta de pagamento a ser cobrada na conta de pagamento de um cliente. um montante da transação pode ser associado à transação da conta de pagamento. a indicação também pode indicar que a transação da conta de pagamento foi autorizada por um emissor da conta de pagamento do cliente. pode haver uma resposta em tempo real à indicação ao aumentar instantaneamente o limite de crédito variável para a conta de crédito do comerciante por um valor que corresponde ao valor da transação.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US14/735,763 US20160364795A1 (en) | 2015-06-10 | 2015-06-10 | Systems and methods for extending credit to small/medium-sized enterprises |
PCT/US2016/034034 WO2016200609A1 (en) | 2015-06-10 | 2016-05-25 | Systems and methods for extending credit to small/medium-sized enterprises |
Publications (1)
Publication Number | Publication Date |
---|---|
BR112017025206A2 true BR112017025206A2 (pt) | 2018-08-07 |
Family
ID=57504312
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR112017025206A BR112017025206A2 (pt) | 2015-06-10 | 2016-05-25 | sistemas e métodos para a extensão de crédito para empresas de pequeno e médio porte |
Country Status (6)
Country | Link |
---|---|
US (1) | US20160364795A1 (pt) |
EP (1) | EP3308337A4 (pt) |
CN (1) | CN107615319A (pt) |
BR (1) | BR112017025206A2 (pt) |
MX (1) | MX2017015821A (pt) |
WO (1) | WO2016200609A1 (pt) |
Families Citing this family (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20170018029A1 (en) * | 2015-07-16 | 2017-01-19 | Moneygram International, Inc. | Systems and methods for utilizing a money transfer network to facilitate lending |
JP6166834B1 (ja) * | 2016-12-27 | 2017-07-19 | ヤフー株式会社 | 判定装置、判定方法及び判定プログラム |
US11688003B2 (en) * | 2017-09-19 | 2023-06-27 | The Toronto-Dominion Bank | System and method for integrated application and provisioning |
US11514424B2 (en) * | 2017-09-19 | 2022-11-29 | The Toronto-Dominion Bank | System and method for integrated application and provisioning |
US11367070B2 (en) * | 2017-09-19 | 2022-06-21 | The Toronto-Dominion Bank | System and method for provisioning a data transfer application |
US11227354B2 (en) | 2019-05-20 | 2022-01-18 | The Toronto-Dominion Bank | Integration of workflow with digital ID |
US11367059B2 (en) | 2019-10-31 | 2022-06-21 | The Toronto-Dominion Bank | Integrated credit application and merchant transaction including concurrent visualization of transaction details |
Family Cites Families (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JP2002007918A (ja) * | 2000-06-23 | 2002-01-11 | Akesesu:Kk | 決済処理方法 |
KR100353775B1 (ko) * | 2001-07-27 | 2002-09-28 | 이민수 | 매출액을 신용대출 한도와 연계한 신용카드 서비스 시스템및 그 방법 |
JP2005208874A (ja) * | 2004-01-22 | 2005-08-04 | Dainippon Printing Co Ltd | 子カードを利用した店舗代金精算方法 |
EP1861807B1 (en) * | 2005-03-24 | 2012-11-07 | Privaris, Inc. | Biometric identification device with smartcard capabilities |
JP4586051B2 (ja) * | 2007-08-03 | 2010-11-24 | 株式会社日立ハイテクノロジーズ | 走査型電子顕微鏡 |
JP2009252080A (ja) * | 2008-04-09 | 2009-10-29 | Oki Electric Ind Co Ltd | クレジット決済管理装置、クレジット決済管理システム、および方法、並びにプログラム |
US20090327107A1 (en) * | 2008-06-30 | 2009-12-31 | Raghav Lal | Consumer spending threshold evaluation |
US8429048B2 (en) * | 2009-12-28 | 2013-04-23 | Visa International Service Association | System and method for processing payment transaction receipts |
US20130191279A1 (en) * | 2012-01-20 | 2013-07-25 | Bank Of America Corporation | Mobile device with rewritable general purpose card |
US9129278B2 (en) * | 2012-03-30 | 2015-09-08 | Intuit Inc. | Pre-allocating merchant ID in a credit card processor entity system by a master merchant |
CN104680361B (zh) * | 2015-02-05 | 2018-05-15 | 王钧 | 一种基于第三方平台的取现方法和系统 |
-
2015
- 2015-06-10 US US14/735,763 patent/US20160364795A1/en not_active Abandoned
-
2016
- 2016-05-25 BR BR112017025206A patent/BR112017025206A2/pt not_active Application Discontinuation
- 2016-05-25 CN CN201680032827.8A patent/CN107615319A/zh active Pending
- 2016-05-25 EP EP16808018.2A patent/EP3308337A4/en not_active Withdrawn
- 2016-05-25 WO PCT/US2016/034034 patent/WO2016200609A1/en active Application Filing
- 2016-05-25 MX MX2017015821A patent/MX2017015821A/es unknown
Also Published As
Publication number | Publication date |
---|---|
MX2017015821A (es) | 2018-04-30 |
WO2016200609A1 (en) | 2016-12-15 |
EP3308337A4 (en) | 2018-12-19 |
US20160364795A1 (en) | 2016-12-15 |
CN107615319A (zh) | 2018-01-19 |
EP3308337A1 (en) | 2018-04-18 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
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 |