BRPI0507070A - métodos para a condução de uma transação financeira segura e sistemas para condução de uma transação financeira segura entre um comerciante e o proprietário de uma conta - Google Patents

métodos para a condução de uma transação financeira segura e sistemas para condução de uma transação financeira segura entre um comerciante e o proprietário de uma conta

Info

Publication number
BRPI0507070A
BRPI0507070A BRPI0507070-8A BRPI0507070A BRPI0507070A BR PI0507070 A BRPI0507070 A BR PI0507070A BR PI0507070 A BRPI0507070 A BR PI0507070A BR PI0507070 A BRPI0507070 A BR PI0507070A
Authority
BR
Brazil
Prior art keywords
financial transaction
conducting
secure financial
merchant
systems
Prior art date
Application number
BRPI0507070-8A
Other languages
English (en)
Inventor
John Wankmueller
Original Assignee
Mastercard International 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
Priority claimed from US10/764,099 external-priority patent/US7360694B2/en
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of BRPI0507070A publication Critical patent/BRPI0507070A/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
    • G06Q20/02—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
    • G06Q20/12—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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/22—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
    • G06Q20/38—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
    • 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
    • G06Q20/4014—Identity check for transactions
    • 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
    • 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
    • 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
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS TECHNIQUES OR SPEECH SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING TECHNIQUES; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/22—Procedures used during a speech recognition process, e.g. man-machine dialogue

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computational Linguistics (AREA)
  • Health & Medical Sciences (AREA)
  • Audiology, Speech & Language Pathology (AREA)
  • Human Computer Interaction (AREA)
  • Acoustics & Sound (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

MéTODOS PARA A CONDUçãO DE UMA TRANSAçãO FINANCEIRA SEGURA E SISTEMAS PARA A CONDUçãO DE UMA TRANSAçãO FINANCEIRA SEGURA ENTRE UM COMERCIANTE E O PROPRIETáRIO DE UMA CONTA A presente invenção refere-se a um sistema de pagamento eletrónico seguro e a um método para a condução de uma transação financeira segura usando a autenticação. o computador do comerciante transmite a solicitação de autorização a um servidor e controle de acesso. o controle de acesso obtém a autenticação para confirmar a identidade do computador, por exemplo, por meio de um formulário eletrónico ou de um sistema de resposta de voz interativo. O servidor de controle de acesso transmite então uma resposta ao computador do comerciante. Se o comprador for autorizado a acessar a conta, o pagamento é processado pelo comerciante e a transação financeira é concluída.
BRPI0507070-8A 2004-01-23 2005-01-24 métodos para a condução de uma transação financeira segura e sistemas para condução de uma transação financeira segura entre um comerciante e o proprietário de uma conta BRPI0507070A (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US53876104P 2004-01-23 2004-01-23
US10/764,099 US7360694B2 (en) 2003-01-23 2004-01-23 System and method for secure telephone and computer transactions using voice authentication
PCT/US2005/002591 WO2005072382A2 (en) 2004-01-23 2005-01-24 System and method for secure telephone and computer transactions

Publications (1)

Publication Number Publication Date
BRPI0507070A true BRPI0507070A (pt) 2007-06-19

Family

ID=34830467

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0507070-8A BRPI0507070A (pt) 2004-01-23 2005-01-24 métodos para a condução de uma transação financeira segura e sistemas para condução de uma transação financeira segura entre um comerciante e o proprietário de uma conta

Country Status (8)

Country Link
EP (1) EP1709566A4 (pt)
JP (1) JP2007523405A (pt)
KR (1) KR20060135726A (pt)
AU (1) AU2005208908B2 (pt)
BR (1) BRPI0507070A (pt)
CA (1) CA2554173A1 (pt)
IL (1) IL176961A0 (pt)
WO (1) WO2005072382A2 (pt)

Families Citing this family (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102005061632B4 (de) * 2005-12-19 2015-11-19 T-Online International Ag Verfahren und Vorrichtung zur Autorisierung
KR20080107400A (ko) 2006-03-02 2008-12-10 비자 인터내셔날 써비스 어쏘시에이션 통신 판매 및 전화 판매 트랜잭션에서 2개의 팩터 인증을 실행하는 방법 및 시스템
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
CN106936587B (zh) * 2006-06-19 2020-05-12 维萨美国股份有限公司 消费者认证系统和方法
BRPI0808630A2 (pt) 2007-03-16 2014-08-05 Thomson Licensing Interceptação de chamadas no nível de uma base
US9443253B2 (en) 2009-07-27 2016-09-13 Visa International Service Association Systems and methods to provide and adjust offers
US10546332B2 (en) * 2010-09-21 2020-01-28 Visa International Service Association Systems and methods to program operations for interaction with users
US9697520B2 (en) 2010-03-22 2017-07-04 Visa U.S.A. Inc. Merchant configured advertised incentives funded through statement credits
US8359274B2 (en) 2010-06-04 2013-01-22 Visa International Service Association Systems and methods to provide messages in real-time with transaction processing
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
US9679299B2 (en) 2010-09-03 2017-06-13 Visa International Service Association Systems and methods to provide real-time offers via a cooperative database
US9477967B2 (en) 2010-09-21 2016-10-25 Visa International Service Association Systems and methods to process an offer campaign based on ineligibility
US10055745B2 (en) 2010-09-21 2018-08-21 Visa International Service Association Systems and methods to modify interaction rules during run time
US9558502B2 (en) 2010-11-04 2017-01-31 Visa International Service Association Systems and methods to reward user interactions
US10438299B2 (en) 2011-03-15 2019-10-08 Visa International Service Association Systems and methods to combine transaction terminal location data and social networking check-in
US10223707B2 (en) 2011-08-19 2019-03-05 Visa International Service Association Systems and methods to communicate offer options via messaging in real time with processing of payment transaction
US9466075B2 (en) 2011-09-20 2016-10-11 Visa International Service Association Systems and methods to process referrals in offer campaigns
US10380617B2 (en) 2011-09-29 2019-08-13 Visa International Service Association Systems and methods to provide a user interface to control an offer campaign
US10290018B2 (en) 2011-11-09 2019-05-14 Visa International Service Association Systems and methods to communicate with users via social networking sites
US10497022B2 (en) 2012-01-20 2019-12-03 Visa International Service Association Systems and methods to present and process offers
US10672018B2 (en) 2012-03-07 2020-06-02 Visa International Service Association Systems and methods to process offers via mobile devices
US10489754B2 (en) 2013-11-11 2019-11-26 Visa International Service Association Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits
US10419379B2 (en) 2014-04-07 2019-09-17 Visa International Service Association Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface
US20150317630A1 (en) * 2014-04-30 2015-11-05 MasterCard Incorporated International Method and system for authentication token generation
US10354268B2 (en) 2014-05-15 2019-07-16 Visa International Service Association Systems and methods to organize and consolidate data for improved data storage and processing
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NL1001387C2 (nl) * 1995-10-10 1997-04-11 Nederland Ptt Stelsel voor het elektronisch bestellen en betalen van diensten via een communicatienetwerk.
US6266640B1 (en) * 1996-08-06 2001-07-24 Dialogic Corporation Data network with voice verification means
GB2366432A (en) * 2000-09-04 2002-03-06 Sonera Smarttrust Oy Secure electronic payment system
US20020116333A1 (en) * 2001-02-20 2002-08-22 Mcdonnell Joseph A. Method of authenticating a payment account user
ATE345619T1 (de) * 2001-03-08 2006-12-15 Rsa Security Inc Transaktionssystem
JP2002366869A (ja) * 2001-06-11 2002-12-20 Sony Corp 電子商取引支援方法及びそれを用いた電子商取引方法
US7707120B2 (en) * 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service

Also Published As

Publication number Publication date
EP1709566A4 (en) 2007-07-18
EP1709566A2 (en) 2006-10-11
AU2005208908A1 (en) 2005-08-11
IL176961A0 (en) 2006-12-10
CA2554173A1 (en) 2005-08-11
WO2005072382A3 (en) 2006-01-19
JP2007523405A (ja) 2007-08-16
WO2005072382A2 (en) 2005-08-11
AU2005208908B2 (en) 2011-08-11
KR20060135726A (ko) 2006-12-29

Similar Documents

Publication Publication Date Title
BRPI0507070A (pt) métodos para a condução de uma transação financeira segura e sistemas para condução de uma transação financeira segura entre um comerciante e o proprietário de uma conta
WO2007016114A3 (en) Methods and systems for improved security for financial transactions through a trusted third party entity
US10089606B2 (en) System and method for trusted mobile device payment
BRPI0514505A (pt) método e sistema para autorizar uma transação
WO2008014321A3 (en) System for managing multiple credit accounts
MX2009002148A (es) Metodo y sistema para procesar transacciones de compra por internet.
WO2003065164A3 (en) System and method for conducting secure payment transaction
US20150120538A1 (en) Dynamic Card Verification Values and Credit Transactions
BR0008315A (pt) Sistema e método de validação de cartão de crédito
WO2006076503A3 (en) Pre-funding system and method
WO2008157184A3 (en) Payment system and method using ic identification card
WO2007148234A3 (en) System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
WO2004107096A3 (en) Accepting travel related payments from consumer
WO2005091788A3 (en) Method, system and computer readable medium for web site account and e-commerce management from a central location
TW200411572A (en) Secure biometric verification of identity cross reference to related applications
WO2005048032A3 (en) Managing attempts to initiate authentication of electronic commerce card transactions
KR20180006338A (ko) 식별 가능 태그와 인공지능을 이용한 결제수단과 문서 전산관리 방법 및 시스템
WO2008073572A3 (en) Batch settlement transactions system and method
WO2011031886A3 (en) System and method using predicted consumer behavior to reduce use of transaction risk analysis and transaction denials
WO2005084100A3 (en) Access control system for information services based on a hardware and software signature of a requesting device
AU2005271884A8 (en) System and method for securing a credit account
BRPI0411005A (pt) sistemas para a autenticação de uma transação comercial de cliente e método para autenticação remota de um cliente que participa de uma transação comercial eletrÈnica utilizando o dispositivo de acesso de rede
EP1207506A3 (en) Payment processing method and system
FR2882878B1 (fr) Dispositif, procede et systeme de securite pour transactions financieres, reposant sur l'identification d'un individu grace a son profil biometrique, et utilisant une carte a microprocesseur
EP1424664A3 (en) Secure payment system and method having one-time use authorization

Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE AO NAO RECOLHIMENTO DA 8A ANUIDADE.

B08G Application fees: restoration [chapter 8.7 patent gazette]
B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL