BR9807556A - Disposição automática direcionada ao cliente para transferência de fundos entre contas usando uma conta de manutenção e processamento local. - Google Patents
Disposição automática direcionada ao cliente para transferência de fundos entre contas usando uma conta de manutenção e processamento local.Info
- Publication number
- BR9807556A BR9807556A BR9807556-0A BR9807556A BR9807556A BR 9807556 A BR9807556 A BR 9807556A BR 9807556 A BR9807556 A BR 9807556A BR 9807556 A BR9807556 A BR 9807556A
- Authority
- BR
- Brazil
- Prior art keywords
- accounts
- local processing
- transferring funds
- automatic customer
- funds
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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]
- G06Q20/023—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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/34—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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
<B>"DISPOSIçãO AUTOMáTICA DIRECIONADA AO CLIENTE PARA TRANSFERêNCIA DE FUNDOS ENTRE CONTAS UTILIZANDO UMA CONTA DE MANUTENçãO E PROCESSAMENTO LOCAL"<D>. Disposição e sistema (20) que permitem a transferência instantânea de fundos para uma conta de modo que os fundos fiquem disponíveis para o beneficiário no momento em que são enviados, baseados nas informações do cliente que podem ser automaticamente acessadas pelo sistema
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/795,355 US5825003A (en) | 1995-07-24 | 1997-02-04 | Customer-directed, automated process for transferring funds between accounts using a holding account and local processing |
PCT/US1998/001566 WO1998036368A1 (en) | 1997-02-04 | 1998-02-04 | A customer-directed, automated process for transferring funds between accounts using a holding account and local processing |
Publications (1)
Publication Number | Publication Date |
---|---|
BR9807556A true BR9807556A (pt) | 2000-02-01 |
Family
ID=25165321
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BR9807556-0A BR9807556A (pt) | 1997-02-04 | 1998-02-04 | Disposição automática direcionada ao cliente para transferência de fundos entre contas usando uma conta de manutenção e processamento local. |
Country Status (7)
Country | Link |
---|---|
US (1) | US5825003A (pt) |
EP (1) | EP0958544A4 (pt) |
AR (1) | AR011628A1 (pt) |
AU (1) | AU718278B2 (pt) |
BR (1) | BR9807556A (pt) |
WO (1) | WO1998036368A1 (pt) |
ZA (1) | ZA98906B (pt) |
Families Citing this family (117)
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US4773001A (en) * | 1985-10-02 | 1988-09-20 | International Business Machines Corp. | Method and apparatus for communicating with remote units of a distributive data processing system |
US4707592A (en) * | 1985-10-07 | 1987-11-17 | Ware Paul N | Personal universal identity card system for failsafe interactive financial transactions |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4766293A (en) * | 1986-06-26 | 1988-08-23 | Visa International Service Association | Portable financial transaction card capable of authorizing a transaction in foreign currencies |
JPS63233458A (ja) * | 1987-03-20 | 1988-09-29 | Sharp Corp | 通貨換算機能付電子機器 |
US5012076A (en) * | 1988-03-02 | 1991-04-30 | Hitachi, Ltd. | Transaction method wherein transaction amount is compared with account balance before ID is entered |
US5025373A (en) * | 1988-06-30 | 1991-06-18 | Jml Communications, Inc. | Portable personal-banking system |
GB9121995D0 (en) * | 1991-10-16 | 1991-11-27 | Jonhig Ltd | Value transfer system |
US5453601A (en) * | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5367561A (en) * | 1992-02-10 | 1994-11-22 | First City Texas-Dallas | Cash access system and method of operation |
US5424938A (en) * | 1992-10-13 | 1995-06-13 | First Chicago Corporation | Method and apparatus for providing access to a plurality of payment networks |
US5267314A (en) * | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US5326960A (en) * | 1992-11-25 | 1994-07-05 | Tannenbaum David H | Currency transfer system and method |
US5350906A (en) * | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
JPH06243158A (ja) * | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | 外国送金業務処理システム |
US5457305A (en) * | 1994-03-31 | 1995-10-10 | Akel; William S. | Distributed on-line money access card transaction processing system |
US5659165A (en) * | 1995-07-24 | 1997-08-19 | Citibank. N.A. | Customer-directed, automated process for transferring funds between accounts via a communications network |
-
1997
- 1997-02-04 US US08/795,355 patent/US5825003A/en not_active Expired - Lifetime
-
1998
- 1998-02-04 BR BR9807556-0A patent/BR9807556A/pt not_active IP Right Cessation
- 1998-02-04 ZA ZA9800906A patent/ZA98906B/xx unknown
- 1998-02-04 AR ARP980100484A patent/AR011628A1/es not_active Application Discontinuation
- 1998-02-04 EP EP98908450A patent/EP0958544A4/en not_active Ceased
- 1998-02-04 WO PCT/US1998/001566 patent/WO1998036368A1/en active IP Right Grant
- 1998-02-04 AU AU66486/98A patent/AU718278B2/en not_active Ceased
Also Published As
Publication number | Publication date |
---|---|
WO1998036368A1 (en) | 1998-08-20 |
ZA98906B (en) | 1999-12-09 |
EP0958544A4 (en) | 2005-04-13 |
AU6648698A (en) | 1998-09-08 |
EP0958544A1 (en) | 1999-11-24 |
AU718278B2 (en) | 2000-04-13 |
US5825003A (en) | 1998-10-20 |
AR011628A1 (es) | 2000-08-30 |
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