BR112018008396A2 - método para executar pagamentos a uma estação de pagamentos de um vendedor mediante a utilização de um dispositivo móvel de um comprador, sistema para executar um método para executar pagamentos e cartão de débito - Google Patents

método para executar pagamentos a uma estação de pagamentos de um vendedor mediante a utilização de um dispositivo móvel de um comprador, sistema para executar um método para executar pagamentos e cartão de débito

Info

Publication number
BR112018008396A2
BR112018008396A2 BR112018008396A BR112018008396A BR112018008396A2 BR 112018008396 A2 BR112018008396 A2 BR 112018008396A2 BR 112018008396 A BR112018008396 A BR 112018008396A BR 112018008396 A BR112018008396 A BR 112018008396A BR 112018008396 A2 BR112018008396 A2 BR 112018008396A2
Authority
BR
Brazil
Prior art keywords
mobile device
terminal
buyer
debit card
payment
Prior art date
Application number
BR112018008396A
Other languages
English (en)
Inventor
Rietschel Johannes
Original Assignee
Qibixx Ag
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 Qibixx Ag filed Critical Qibixx Ag
Publication of BR112018008396A2 publication Critical patent/BR112018008396A2/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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • 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
    • G06Q20/08—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
    • G06Q20/32—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
    • G06Q20/32—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
    • G06Q20/30—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
    • 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
    • G06Q20/3415—Cards acting autonomously as pay-media
    • 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

Landscapes

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

Abstract

será descrito um procedimento para facilitar e garantir a execução de pagamentos a uma estação de contas de um vendedor mediante a utilização de um dispositivo móvel (mg) de um comprador. desta forma, a estação de contas disponibilizará um terminal (t) para cartões de débito (d), e o terminal (t) será equipado com uma entrada para cartões, display, equipamento de inserção e interface para uma instituição de pagamento (zi). um dos terminais (t) será equipado com o cartão de débito apropriado e/ou o terminal (t) terá elementos (qr, b) para a transmissão sem fio de informações de identificação específicas para cartões de débito (id) para o dispositivo móvel (mg). a execução do pagamento identificará no mínimo as seguintes etapas: a transmissão das informações de identificação para o dispositivo móvel (mg); a transmissão ou inserção da soma comprada ao terminal (t); a conexão do cartão de débito ao terminal (t) pela entrada de cartão; a transmissão da soma comprada e informações de identificação (id) do cartão de débito ao terminal (t) para a instituição de pagamento (zi); a transmissão da soma comprada e informação de identificação (id) da instituição de pagamento (zi) para uma instância de coordenação (ki), contanto que a instituição de pagamento (zi) não seja a própria instância de coordenação (ki); a classificação da informação de identificação (id) para o dispositivo móvel (mg) e a transmissão da soma comprada ao dispositivo móvel (mg) para autorização; no caso da verificação pendente do comprador no dispositivo móvel (mg), a interrupção do processo e a verificação do comprador no dispositivo móvel (mg); transmissão da autorização do dispositivo móvel (mg) pela instância de coordenação (ki) para a instituição de pagamento (zi) e a autorização de débito da conta do comprador no escopo da soma comprada, inclusive eventuais taxas geradas; transmissão da aprovação do pagamento da instituição de pagamento (zi) ao terminal (t).
BR112018008396A 2015-10-29 2016-10-24 método para executar pagamentos a uma estação de pagamentos de um vendedor mediante a utilização de um dispositivo móvel de um comprador, sistema para executar um método para executar pagamentos e cartão de débito BR112018008396A2 (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
EP15192180 2015-10-29
CH17132015 2015-11-24
PCT/EP2016/075515 WO2017072067A1 (de) 2015-10-29 2016-10-24 Verfahren und system zur zahlungsabwicklung

Publications (1)

Publication Number Publication Date
BR112018008396A2 true BR112018008396A2 (pt) 2018-10-23

Family

ID=57190024

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112018008396A BR112018008396A2 (pt) 2015-10-29 2016-10-24 método para executar pagamentos a uma estação de pagamentos de um vendedor mediante a utilização de um dispositivo móvel de um comprador, sistema para executar um método para executar pagamentos e cartão de débito

Country Status (4)

Country Link
US (1) US20180336545A1 (pt)
EP (1) EP3369060A1 (pt)
BR (1) BR112018008396A2 (pt)
WO (1) WO2017072067A1 (pt)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AT521646A1 (de) * 2018-08-24 2020-03-15 Res Industrial Systems Engineering Rise Forschungs Entwicklungs Und Grossprojektberatung Gmbh System zum Verarbeiten von Anfragen mobiler Geräte

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102007005427A1 (de) * 2007-01-30 2008-07-31 Hischam Telib Verfahren und Vorrichtung zur elektronischen Zahlung
EP2088548A1 (en) * 2008-02-11 2009-08-12 Accenture Global Services GmbH Point of sale payment method
US8756161B2 (en) * 2008-02-11 2014-06-17 Accenture Global Services Limited Customer initiated payment method using mobile device

Also Published As

Publication number Publication date
US20180336545A1 (en) 2018-11-22
EP3369060A1 (de) 2018-09-05
WO2017072067A1 (de) 2017-05-04

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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