BRPI0721715A2 - Método, meio legível por computador, comerciante, e, manipulador de transação - Google Patents

Método, meio legível por computador, comerciante, e, manipulador de transação Download PDF

Info

Publication number
BRPI0721715A2
BRPI0721715A2 BRPI0721715-3A BRPI0721715A BRPI0721715A2 BR PI0721715 A2 BRPI0721715 A2 BR PI0721715A2 BR PI0721715 A BRPI0721715 A BR PI0721715A BR PI0721715 A2 BRPI0721715 A2 BR PI0721715A2
Authority
BR
Brazil
Prior art keywords
account
mentioned
merchant
transaction
request
Prior art date
Application number
BRPI0721715-3A
Other languages
English (en)
Portuguese (pt)
Inventor
Laura Digioacchino
Original Assignee
Visa Usa 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 Visa Usa Inc filed Critical Visa Usa Inc
Publication of BRPI0721715A2 publication Critical patent/BRPI0721715A2/pt

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
BRPI0721715-3A 2007-05-30 2007-11-07 Método, meio legível por computador, comerciante, e, manipulador de transação BRPI0721715A2 (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US11/755,670 US7904389B2 (en) 2007-05-30 2007-05-30 Real time account update
US11/755670 2007-05-30
PCT/US2007/083990 WO2008147444A1 (en) 2007-05-30 2007-11-07 Real time account update

Publications (1)

Publication Number Publication Date
BRPI0721715A2 true BRPI0721715A2 (pt) 2014-02-25

Family

ID=40075422

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0721715-3A BRPI0721715A2 (pt) 2007-05-30 2007-11-07 Método, meio legível por computador, comerciante, e, manipulador de transação

Country Status (6)

Country Link
US (5) US7904389B2 (enExample)
JP (2) JP5351887B2 (enExample)
AU (1) AU2007354254B2 (enExample)
BR (1) BRPI0721715A2 (enExample)
CA (1) CA2688107A1 (enExample)
WO (1) WO2008147444A1 (enExample)

Families Citing this family (59)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7958050B2 (en) * 2007-07-02 2011-06-07 Early Warning Services, Llc Payment account monitoring system and method
US20120296824A1 (en) * 2007-12-28 2012-11-22 Rosano Sharon A Systems and methods for correction of information in card-not-present account-on-file transactions
US20090171839A1 (en) * 2007-12-28 2009-07-02 Rosano Sharon A Systems and methods for processing recurring payment transactions
US20100274567A1 (en) * 2009-04-22 2010-10-28 Mark Carlson Announcing information about payment transactions of any member of a consumer group
US20100274566A1 (en) * 2009-04-22 2010-10-28 Mark Carlson Location based processing of announcements for delivery to an announcement recipient
US20100274627A1 (en) * 2009-04-22 2010-10-28 Mark Carlson Receiving an announcement triggered by location data
US7937291B2 (en) * 2009-04-22 2011-05-03 Visa U.S.A. Inc. Providing an announcement about transactions of a target merchant to a consumer
US20100274625A1 (en) * 2009-04-22 2010-10-28 Mark Carlson Targeting merchant announcements triggered by consumer activity relative to a surrogate merchant
US20100274626A1 (en) * 2009-04-22 2010-10-28 Mark Carlson Receipt of communications from announcement recipients of consumer data
US8543468B2 (en) * 2009-04-22 2013-09-24 Visa U.S.A. Inc. Bidding to receive data after a consumer is in a zone
US8032413B2 (en) 2009-04-22 2011-10-04 Visa U.S.A. Inc. Auctioning of announcements
US8160934B2 (en) * 2009-04-22 2012-04-17 Visa U.S.A. Inc. Notification of resources of interest to members of a consumer group
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US8893967B2 (en) * 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US9841282B2 (en) 2009-07-27 2017-12-12 Visa U.S.A. Inc. Successive offer communications with an offer recipient
US20110035278A1 (en) * 2009-08-04 2011-02-10 Visa U.S.A. Inc. Systems and Methods for Closing the Loop between Online Activities and Offline Purchases
US20110087530A1 (en) * 2009-10-09 2011-04-14 Visa U.S.A. Inc. Systems and Methods to Provide Loyalty Programs
US9342835B2 (en) 2009-10-09 2016-05-17 Visa U.S.A Systems and methods to deliver targeted advertisements to audience
US20110093324A1 (en) 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
US20110093335A1 (en) * 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods for Advertising Services Based on an SKU-Level Profile
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
US10007915B2 (en) 2011-01-24 2018-06-26 Visa International Service Association Systems and methods to facilitate loyalty reward transactions
AU2012225684B2 (en) 2011-03-04 2016-11-10 Visa International Service Association Integration of payment capability into secure elements of computers
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
US9460436B2 (en) * 2012-03-16 2016-10-04 Visa International Service Association Systems and methods to apply the benefit of offers via a transaction handler
US9495690B2 (en) * 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US9530130B2 (en) * 2012-07-30 2016-12-27 Mastercard International Incorporated Systems and methods for correction of information in card-not-present account-on-file transactions
US9947007B2 (en) 2013-01-27 2018-04-17 Barry Greenbaum Payment information technologies
US9785946B2 (en) 2013-03-07 2017-10-10 Mastercard International Incorporated Systems and methods for updating payment card expiration information
KR102221636B1 (ko) 2013-12-19 2021-03-03 비자 인터네셔널 서비스 어소시에이션 클라우드-기반 트랜잭션 방법 및 시스템
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
US12469021B2 (en) 2014-02-18 2025-11-11 Visa International Service Association Limited-use keys and cryptograms
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
WO2015179637A1 (en) 2014-05-21 2015-11-26 Visa International Service Association Offline authentication
US10546293B2 (en) * 2014-05-29 2020-01-28 Apple Inc. Apparatuses and methods for using a random authorization number to provide enhanced security for a secure element
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US11301852B2 (en) 2014-11-03 2022-04-12 Visa International Service Association System and method for updating account information
US9256870B1 (en) 2014-12-02 2016-02-09 Mastercard International Incorporated Methods and systems for updating expiry information of an account
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US10318952B1 (en) 2015-05-23 2019-06-11 Square, Inc. NFC base station and passive transmitter device
US10943216B2 (en) 2015-10-27 2021-03-09 Mastercard International Incorporated Systems and methods for updating stored cardholder account data
US9721123B1 (en) 2015-12-11 2017-08-01 Square, Inc. Microcontroller intercept of EMV card contact switch
CA3031156A1 (en) 2016-08-19 2018-02-22 Visa International Service Association Automated access data change detection
US10909513B2 (en) 2016-10-21 2021-02-02 Mastercard International Incorporated Systems and methods for tracking access data to a data source
US20180114203A1 (en) * 2016-10-21 2018-04-26 Mastercard International Incorporated Systems and methods for regulating access to data stored in a data source
US20180174210A1 (en) * 2016-12-15 2018-06-21 Mastercard International Incorporated Systems and methods for detecting data inconsistencies
US10572914B2 (en) * 2016-12-16 2020-02-25 Mastercard International Incorporated Systems and methods for identifying updated unrequested on-file data
US10402816B2 (en) 2016-12-31 2019-09-03 Square, Inc. Partial data object acquisition and processing
US9858448B1 (en) 2017-01-31 2018-01-02 Square, Inc. Communication protocol speedup and step-down
US10621590B2 (en) 2017-02-22 2020-04-14 Square, Inc. Line-based chip card tamper detection
US10438189B2 (en) 2017-02-22 2019-10-08 Square, Inc. Server-enabled chip card interface tamper detection
US10599628B2 (en) 2017-06-02 2020-03-24 Mastercard International Incorporated Multi-network systems and methods for providing current biographical data of a user to trusted parties
SG11202101281SA (en) * 2018-09-04 2021-03-30 Visa Int Service Ass Identity authentication system and methods
US11270275B2 (en) * 2019-08-16 2022-03-08 Comenity Llc One card

Family Cites Families (71)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3727186A (en) 1971-02-26 1973-04-10 Digital Data Syst Corp Method of and apparatus for credit verification
US5146403A (en) * 1988-12-13 1992-09-08 Postal Buddy Corporation Change of address system and method of using same
US5231569A (en) * 1990-06-12 1993-07-27 Sears Payment Systems, Inc. Account transaction system
US5233655A (en) 1991-02-19 1993-08-03 Shapiro Sanford S Data access verification system
US5483445A (en) * 1992-10-22 1996-01-09 American Express Trs Automated billing consolidation system and method
US5345595A (en) * 1992-11-12 1994-09-06 Coral Systems, Inc. Apparatus and method for detecting fraudulent telecommunication activity
US5649118A (en) * 1993-08-27 1997-07-15 Lucent Technologies Inc. Smart card with multiple charge accounts and product item tables designating the account to debit
US5832068A (en) * 1994-06-01 1998-11-03 Davox Corporation Data processing system with real time priority updating of data records and dynamic record exclusion
US5679938A (en) 1994-12-02 1997-10-21 Telecheck International, Inc. Methods and systems for interactive check authorizations
US5636211A (en) * 1995-08-15 1997-06-03 Motorola, Inc. Universal multimedia access device
US5940813A (en) * 1996-07-26 1999-08-17 Citibank, N.A. Process facility management matrix and system and method for performing batch, processing in an on-line environment
US6980670B1 (en) * 1998-02-09 2005-12-27 Indivos Corporation Biometric tokenless electronic rewards system and method
US7216091B1 (en) 1998-06-26 2007-05-08 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US6757664B1 (en) * 1999-03-02 2004-06-29 Arbitrage Arbitrageur Llc Method and system for verification of checks at a point of sale
WO2001045008A1 (en) * 1999-12-16 2001-06-21 Debit.Net, Inc. Secure networked transaction system
US7386511B2 (en) 2000-04-28 2008-06-10 Netdeposit Inc. Methods and systems for processing financial instrument deposits
JP2001312677A (ja) * 2000-04-28 2001-11-09 Card Commerce Service Kk クレジットカード決済システム
JP2002007738A (ja) * 2000-06-21 2002-01-11 Riikurekkusu:Kk 与信判断支援システム
US7375321B2 (en) * 2000-08-09 2008-05-20 California Institute Of Technology Dynamics bionems sensors and arrays of bionems sensor immersed in fluids
US7996288B1 (en) * 2000-11-15 2011-08-09 Iprivacy, Llc Method and system for processing recurrent consumer transactions
US8260723B2 (en) 2000-12-01 2012-09-04 Carrott Richard F Transactional security over a network
US7039807B2 (en) 2001-01-23 2006-05-02 Computer Associates Think, Inc. Method and system for obtaining digital signatures
US7620592B2 (en) * 2001-02-26 2009-11-17 First Data Corporation Tiered processing method and system for identifying and mitigating merchant risk
US7809650B2 (en) * 2003-07-01 2010-10-05 Visa U.S.A. Inc. Method and system for providing risk information in connection with transaction processing
JP2001243350A (ja) 2001-04-20 2001-09-07 Ntt Data Corp カード取引システムにおける複数口座の管理方法
US7143069B2 (en) * 2001-05-25 2006-11-28 American Express Travel Related Services Co. System and method for interactive secure dialog between card holder and issuer
JP3632051B2 (ja) * 2001-06-20 2005-03-23 ベリトランス株式会社 ネットワーク決済処理システム、ネットワーク決済処理装置、ネットワーク決済処理方法、および、ネットワーク決済処理プログラム
US7383224B2 (en) * 2001-06-29 2008-06-03 Capital One Financial Corporation Systems and methods for processing credit card transactions that exceed a credit limit
US7529700B1 (en) 2001-07-10 2009-05-05 Wageworks, Inc. Single-source multi-conduit apparatuses and methods for adjudicating pretax expenses
US7121471B2 (en) * 2001-07-10 2006-10-17 American Express Travel Related Services Company, Inc. Method and system for DNA recognition biometrics on a fob
US7054430B2 (en) 2001-08-23 2006-05-30 Paymentone Corporation Method and apparatus to validate a subscriber line
US7269737B2 (en) 2001-09-21 2007-09-11 Pay By Touch Checking Resources, Inc. System and method for biometric authorization for financial transactions
US7822679B1 (en) * 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US7958049B2 (en) * 2001-11-01 2011-06-07 Metavante Corporation System and method for obtaining customer bill information and facilitating bill payment at biller websites
US7539645B2 (en) 2001-11-16 2009-05-26 Sap Ag Method and apparatus for computer-implemented processing of electronic payment instructions
US20030130919A1 (en) 2001-11-20 2003-07-10 Randy Templeton Systems and methods for selectively accessing financial account information
US7797233B2 (en) 2002-01-30 2010-09-14 Store Financial Services, Llc Methods and systems for processing, accounting, and administration of stored value cards
KR20020030052A (ko) 2002-03-05 2002-04-22 장문익 공동거래 고객카드 및 고객카드 금융거래 자동화기기
WO2003088113A1 (en) 2002-03-20 2003-10-23 Hiroshi Kawahara Method for credit card payment settlement and system for same
US20030195858A1 (en) 2002-04-10 2003-10-16 Fujio Watanabe Distributed information storage, authentication and authorization system
US20040186783A1 (en) * 2002-04-22 2004-09-23 Paul Knight Time sensitive inventory sales system
US20030225688A1 (en) * 2002-05-28 2003-12-04 Charter One Financial, Inc. Financial account transfer apparatus and method
US7493282B2 (en) * 2002-06-12 2009-02-17 Bank Of America Corporation System and method for automated account management
US7069244B2 (en) 2002-09-17 2006-06-27 First Data Corporation Method and system for merchant processing of purchase card transactions with expanded card type acceptance
US7571140B2 (en) 2002-12-16 2009-08-04 First Data Corporation Payment management
US20040242309A1 (en) 2003-03-13 2004-12-02 Melesko Robert S. Lottery transaction device, system and method
US7742986B2 (en) * 2003-04-29 2010-06-22 Visa U.S.A. Inc. Method and system for facilitating switching of financial institution accounts
US7469224B2 (en) 2003-10-14 2008-12-23 Compucredit Intellectual Property Holdings Corp. Iii Real-time point-of-sale change-of-address processing
MXPA06000174A (es) 2003-07-02 2006-04-11 Mobipay International S A Sistema de transacciones y pagos mediante telefono movil digital.
US20050283436A1 (en) 2003-08-22 2005-12-22 Greer Richard E Point of sale purchase system
US20050080717A1 (en) 2003-09-25 2005-04-14 Boris Belyi Data validation systems and methods for financial transactions
US8036963B2 (en) * 2003-10-07 2011-10-11 Paymentech Lp System and method for updating merchant payment data
US7070092B2 (en) 2003-10-27 2006-07-04 First Data Corporation Systems and methods for managing throughput of point of sale devices
KR101143399B1 (ko) 2004-03-05 2012-05-22 주식회사 비즈모델라인 단일 카드에 복수 카드 기능 부여방법
US7577599B2 (en) 2004-03-12 2009-08-18 First Data Corporation Method and system for processing electronic payment transactions
US7383230B2 (en) 2004-04-23 2008-06-03 Wolff Gregory J System and method for the efficient exchange and pricing of services and intangible works
WO2005114526A2 (en) 2004-05-19 2005-12-01 Worldtax Network Llc Method and system for processing tax pertaining to a goods and services transaction
WO2006009879A2 (en) * 2004-06-18 2006-01-26 Washington Mutual, Inc. System for automatically transferring account information, such as information regarding a financial servicees account
GB0414291D0 (en) 2004-06-25 2004-07-28 Ibm Methods, apparatus and computer programs for data replication
JP4711650B2 (ja) * 2004-07-30 2011-06-29 東日本旅客鉄道株式会社 電子決済システム
CN1277371C (zh) * 2004-08-06 2006-09-27 华为技术有限公司 一种基于分组数据流计费重鉴权的处理方法
US20060282381A1 (en) * 2005-02-11 2006-12-14 Ritchie Brian L Customizable payment system and method
JP2006293503A (ja) * 2005-04-06 2006-10-26 Gmo Payment Gateway Inc クレジットカード洗替代行装置及びクレジットカード洗替代行方法
EP1960896A4 (en) 2005-12-01 2009-03-11 Firestar Software Inc SYSTEM AND METHOD FOR THE EXCHANGE OF INFORMATION BETWEEN EXCHANGE APPLICATIONS
US20070156553A1 (en) * 2005-12-15 2007-07-05 Stuart Zimmerman Credit Proxy System and Method
GB0525741D0 (en) 2005-12-19 2006-01-25 Misys Plc Method for running a batch process in a 24-7 operational environment
US20070187491A1 (en) * 2006-02-13 2007-08-16 Godwin Bryan W Processing Cashless Transactions of Remote Field Assets
US8650080B2 (en) * 2006-04-10 2014-02-11 International Business Machines Corporation User-browser interaction-based fraud detection system
US7505962B2 (en) 2006-05-15 2009-03-17 Microsoft Corporation Rating and settlements engine
US7600676B1 (en) 2006-12-26 2009-10-13 Cellco Partnership Two factor authentications for financial transactions
US8788419B2 (en) * 2006-12-30 2014-07-22 First Data Corporation Method and system for mitigating risk of fraud in internet banking

Also Published As

Publication number Publication date
JP5351887B2 (ja) 2013-11-27
US20110153500A1 (en) 2011-06-23
AU2007354254B2 (en) 2012-08-02
JP2010528391A (ja) 2010-08-19
US20130030972A1 (en) 2013-01-31
AU2007354254A1 (en) 2008-12-04
US20080301050A1 (en) 2008-12-04
CA2688107A1 (en) 2008-12-04
US20090063347A1 (en) 2009-03-05
WO2008147444A1 (en) 2008-12-04
US20090063346A1 (en) 2009-03-05
US7925587B2 (en) 2011-04-12
AU2007354254A2 (en) 2010-01-28
US9727863B2 (en) 2017-08-08
US7904389B2 (en) 2011-03-08
JP2013232250A (ja) 2013-11-14
US7966257B2 (en) 2011-06-21

Similar Documents

Publication Publication Date Title
BRPI0721715A2 (pt) Método, meio legível por computador, comerciante, e, manipulador de transação
US8744921B2 (en) Exchanging value between a service buyer and a service provider
US20250005540A1 (en) Intelligent payment routing and payment generation
US12380498B2 (en) Systems and methods for operating a math-based currency exchange
US20020120537A1 (en) Web based system and method for managing business to business online transactions
US20040181470A1 (en) System, method, and computer program product for taxation of online transactions
CN115345602A (zh) 使用记录保证即时支付的方法和系统
US20160342967A1 (en) Systems and Methods for Banking Platform Isolation
US20160071093A1 (en) Universal funding card and delayed assignment of a funding instrument for a financial transaction
CN107636717A (zh) 提供在线定金、抵押物、债券和/或担保品的自动化担保的融资
KR102129949B1 (ko) 신용거래를 용이하게 하기 위한 방법, 시스템, 및 관련한 컴퓨터 실행가능한 코드
JP7075081B2 (ja) 情報処理装置、情報処理方法及びプログラム
KR20000064226A (ko) 마일리지 포인트 뱅킹시스템 및 뱅킹방법과 이것을 응용한포인트 뱅킹방법
JP4461618B2 (ja) 決済装置及び方法
KR102377256B1 (ko) 부동산 중개 서비스 제공 방법 및 시스템
EP4462334A1 (en) Method and apparatus for handling of refunds in association with a functionally dynamic card
JP2019101657A (ja) 電子記録債権処理装置、電子記録債権処理方法およびプログラム
JP2019095837A (ja) 電子記録債権の割引料補充システム、方法およびプログラム
AU2012244296A1 (en) Real time account update

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 A 8A ANUIDADE.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2343 DE 01-12-2015 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.