BR112021021547A2 - Processamento de pagamento - Google Patents

Processamento de pagamento

Info

Publication number
BR112021021547A2
BR112021021547A2 BR112021021547A BR112021021547A BR112021021547A2 BR 112021021547 A2 BR112021021547 A2 BR 112021021547A2 BR 112021021547 A BR112021021547 A BR 112021021547A BR 112021021547 A BR112021021547 A BR 112021021547A BR 112021021547 A2 BR112021021547 A2 BR 112021021547A2
Authority
BR
Brazil
Prior art keywords
account
user
transaction
payment processing
merchant
Prior art date
Application number
BR112021021547A
Other languages
English (en)
Inventor
Ryan Caldwell John
Original Assignee
Mx Tech 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 Mx Tech Inc filed Critical Mx Tech Inc
Publication of BR112021021547A2 publication Critical patent/BR112021021547A2/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
    • G06Q20/30—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
    • G06Q20/02—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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/08—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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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]
    • 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]
    • G06Q20/3224—Transactions dependent on location of 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
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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

Landscapes

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

Abstract

processamento de pagamento. são revelados aparelhos, métodos, produtos de programas de computador, e sistemas para processamento de pagamento. um aparelho inclui um ou mais processadores e uma ou mais memórias que armazenam código executável pelo um ou mais processadores para trocar informações de pagamento para uma transação sem fio entre um dispositivo de computação de hardware móvel (102) para um usuário (402) e um terminal de pagamento de hardware (112) para um comerciante (108, 404), para validar uma disponibilidade de fundos para a transação usando uma interface eletrônica para uma conta para o usuário (402) em uma instituição de terceiros (114), e para transferir eletronicamente os fundos diretamente da conta para o usuário para uma conta para o comerciante (108, 404) para completar a transação.
BR112021021547A 2020-01-16 2021-01-19 Processamento de pagamento BR112021021547A2 (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US202062962172P 2020-01-16 2020-01-16
US202062980899P 2020-02-24 2020-02-24
PCT/US2021/014011 WO2021146727A1 (en) 2020-01-16 2021-01-19 Payment processing

Publications (1)

Publication Number Publication Date
BR112021021547A2 true BR112021021547A2 (pt) 2021-12-28

Family

ID=76864470

Family Applications (1)

Application Number Title Priority Date Filing Date
BR112021021547A BR112021021547A2 (pt) 2020-01-16 2021-01-19 Processamento de pagamento

Country Status (6)

Country Link
US (1) US20210241256A1 (pt)
EP (1) EP3915078A4 (pt)
JP (1) JP7494210B2 (pt)
AU (1) AU2021208013A1 (pt)
BR (1) BR112021021547A2 (pt)
WO (1) WO2021146727A1 (pt)

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US11004139B2 (en) 2014-03-31 2021-05-11 Monticello Enterprises LLC System and method for providing simplified in store purchases and in-app purchases using a use-interface-based payment API
US12008629B2 (en) 2014-03-31 2024-06-11 Monticello Enterprises LLC System and method for providing a social media shopping experience
US20240013283A1 (en) 2014-03-31 2024-01-11 Monticello Enterprises LLC System and method for providing a social media shopping experience
US11282131B2 (en) 2014-03-31 2022-03-22 Monticello Enterprises LLC User device enabling access to payment information in response to user input
US10511580B2 (en) 2014-03-31 2019-12-17 Monticello Enterprises LLC System and method for providing a social media shopping experience
US11250493B2 (en) * 2014-03-31 2022-02-15 Monticello Enterprises LLC System and method for performing social media cryptocurrency transactions
US11080777B2 (en) 2014-03-31 2021-08-03 Monticello Enterprises LLC System and method for providing a social media shopping experience
US10878421B2 (en) * 2017-07-22 2020-12-29 Plaid Inc. Data verified deposits
US11868983B2 (en) * 2019-11-27 2024-01-09 Ncr Voyix Corporation Systems and methods enabling communication and signaling devices
US20210256488A1 (en) * 2020-02-13 2021-08-19 Tonolio Carlson Facilitating digital asset transactions
US11556912B2 (en) * 2021-01-28 2023-01-17 Bank Of America Corporation Smartglasses-to-smartglasses payment systems
US11734665B2 (en) 2021-02-08 2023-08-22 Bank Of America Corporation Card-to-smartglasses payment systems
US12002022B2 (en) 2021-03-31 2024-06-04 Toast, Inc. Interchange code prediction system for processing credit card transactions
US11983731B2 (en) * 2021-03-31 2024-05-14 Toast, Inc. Optimized interchange code prediction system for processing credit card transactions
US11861666B2 (en) 2021-03-31 2024-01-02 Toast, Inc. Stochastic apparatus and method for estimating credit card type when predicting interchange code to process credit card transactions
US11775969B2 (en) 2021-03-31 2023-10-03 Toast, Inc. Low latency bank card type prediction system for estimation of interchange codes during transaction processing
US11587092B2 (en) 2021-03-31 2023-02-21 Toast, Inc. System for dynamic prediction of interchange rates for credit card transaction processing
US11764976B2 (en) * 2021-04-29 2023-09-19 Triplecyber Corp. System and method for secure internet communications
US20230214822A1 (en) * 2022-01-05 2023-07-06 Mastercard International Incorporated Computer-implemented methods and systems for authentic user-merchant association and services
US11770330B1 (en) * 2022-04-13 2023-09-26 Truist Bank Automatically routing network requests between computer subsystems
US11875015B2 (en) 2022-04-13 2024-01-16 Truist Bank Access card with configurable transaction rules
US20240249259A1 (en) * 2023-01-24 2024-07-25 Capital One Services, Llc Touch phone transactions
US20240281809A1 (en) * 2023-02-22 2024-08-22 My Life Kit Ltd. Systems and methods to authenticate a user’s financial credentials

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US20140019352A1 (en) * 2011-02-22 2014-01-16 Visa International Service Association Multi-purpose virtual card transaction apparatuses, methods and systems
JP2006004264A (ja) * 2004-06-18 2006-01-05 Hitachi Ltd 携帯情報端末及び携帯情報端末を用いた電子決済方法
US20090171852A1 (en) * 2007-12-28 2009-07-02 Scott Taylor Method and System for Providing Secure Processing of Electronic Transactions
EP2192540A1 (fr) * 2008-11-28 2010-06-02 Gemalto Canada Inc. Objet portable comportant un afficheur et application à la réalisation de transactions électroniques
WO2011163525A1 (en) * 2010-06-23 2011-12-29 Obopay, Inc. Mobile networked payment system
WO2012154915A1 (en) * 2011-05-10 2012-11-15 Dynamics Inc. Systems, devices, and methods for mobile payment acceptance, mobile authorizations, mobile wallets, and contactless communication mechanisms
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Also Published As

Publication number Publication date
JP2023510056A (ja) 2023-03-13
US20210241256A1 (en) 2021-08-05
AU2021208013A1 (en) 2021-11-18
EP3915078A4 (en) 2022-10-19
JP7494210B2 (ja) 2024-06-03
WO2021146727A1 (en) 2021-07-22
EP3915078A1 (en) 2021-12-01

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