BRPI0911344A2 - dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador. - Google Patents

dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador.

Info

Publication number
BRPI0911344A2
BRPI0911344A2 BRPI0911344A BRPI0911344A BRPI0911344A2 BR PI0911344 A2 BRPI0911344 A2 BR PI0911344A2 BR PI0911344 A BRPI0911344 A BR PI0911344A BR PI0911344 A BRPI0911344 A BR PI0911344A BR PI0911344 A2 BRPI0911344 A2 BR PI0911344A2
Authority
BR
Brazil
Prior art keywords
consumer device
portable consumer
transaction
computer readable
processing
Prior art date
Application number
BRPI0911344A
Other languages
English (en)
Inventor
Aabye Christian
William Wilson David
Original Assignee
Visa Int Service Ass
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 Int Service Ass filed Critical Visa Int Service Ass
Publication of BRPI0911344A2 publication Critical patent/BRPI0911344A2/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
    • G06Q20/34—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
    • G06Q20/349—Rechargeable 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/30—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
    • G06Q20/30—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
    • G06Q20/343—Cards including a counter
    • 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
    • G06Q20/352—Contactless payments by 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G07F7/12—Card verification
    • G07F7/127—Card verification in which both online and offline card verification can take place

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador" 5 um dispositivo de consumidor portátil pode ter dinheiro armazenado nele, que pode ser calculado usando um registro do acumulador. o registro do acumulador pode ser incrementado pela quantidade de qualquer transação usando o dispositivo de consumidor portátil. o registro do acumulador pode reter o valor das transações anteriores, quando fundos 10 monetários adicionais estão sendo coletados no dispositivo de consumidor portátil.
BRPI0911344A 2008-04-22 2009-04-22 dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador. BRPI0911344A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US4696708P 2008-04-22 2008-04-22
PCT/US2009/041417 WO2009132112A2 (en) 2008-04-22 2009-04-22 Prepaid portable consumer device including accumulator

Publications (1)

Publication Number Publication Date
BRPI0911344A2 true BRPI0911344A2 (pt) 2019-02-26

Family

ID=41201932

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0911344A BRPI0911344A2 (pt) 2008-04-22 2009-04-22 dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador.

Country Status (5)

Country Link
US (1) US20090265271A1 (pt)
AU (1) AU2009239396B2 (pt)
BR (1) BRPI0911344A2 (pt)
CA (1) CA2722163A1 (pt)
WO (1) WO2009132112A2 (pt)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP5710350B2 (ja) * 2011-04-12 2015-04-30 日本電信電話株式会社 決済システム及び決済方法
IN2014CN03582A (pt) * 2011-10-24 2015-10-09 Google Inc
US8898088B2 (en) * 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
US8959034B2 (en) * 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) * 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
WO2014116191A1 (en) * 2013-01-24 2014-07-31 Ekmekçi̇ İsmail A virtual wallet
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system
US10032158B2 (en) * 2013-07-10 2018-07-24 Nec Corporation Settlement system, server device, terminal device, method and program
US8886570B1 (en) * 2013-10-29 2014-11-11 Quisk, Inc. Hacker-resistant balance monitoring
US9311632B1 (en) 2015-03-03 2016-04-12 Bank Of America Corporation Proximity-based notification of a previously abandoned and pre-queued ATM transaction
US11551221B2 (en) 2020-03-12 2023-01-10 Bank Of America Corporation Authentication decision engine for real-time resource transfer
US11991294B2 (en) 2021-11-12 2024-05-21 Gridplus, Inc. Peer-to-peer secure conditional transfer of cryptographic data

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4910696A (en) * 1988-01-27 1990-03-20 Grossman Kurt W Computerized personal portable account register
US4985833A (en) * 1988-08-24 1991-01-15 First City, Texas- N. A. Extended coverage monetary regulation system
US5264689A (en) * 1989-01-11 1993-11-23 Gemplus Card International Rechargeable prepaid memory card with both unit and page counters
US5010485A (en) * 1989-01-31 1991-04-23 Jbh Ventures Apparatus, system and method for creating credit vouchers usable at point of purchase stations
US6557752B1 (en) * 1996-06-12 2003-05-06 Q-International, Inc. Smart card for recording identification, and operational, service and maintenance transactions
EP0851396A1 (en) * 1996-12-23 1998-07-01 Koninklijke KPN N.V. System for increasing a value of an electronic payment card
US6375084B1 (en) * 1999-03-29 2002-04-23 Transmo Limited Card charging systems
US20030222138A1 (en) * 2002-05-31 2003-12-04 Carole Oppenlander System and method for authorizing transactions
KR20040017396A (ko) * 2002-08-21 2004-02-27 케이비 테크놀러지 (주) 선불/후불형 겸용 전자화폐 지불처리방법 및 그 장치
US20040063494A1 (en) * 2002-09-27 2004-04-01 Scott Oram Prepaid gaming card method
KR100503944B1 (ko) * 2003-02-14 2005-07-26 (주)씨파트너스 통합 승인 처리, 새로운 충전 기능들 및 카드간송금 기능을 구비하는 선불카드 시스템 및 방법
SG120112A1 (en) * 2003-08-06 2006-03-28 Oneempower Pte Ltd Transaction method and system
US7159002B2 (en) * 2003-08-29 2007-01-02 Texas Instruments Incorporated Biquad digital filter operating at maximum efficiency
KR20060063026A (ko) * 2004-12-07 2006-06-12 이정환 지불 및 충전 동시 통합 처리에 의한 선불가치수단 간 가치 이전 방법 및 시스템
US7290714B2 (en) * 2005-01-18 2007-11-06 Target Brands, Inc. Stored-value card with light
US20080208762A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Payments using a mobile commerce device
US9123204B2 (en) * 2007-02-27 2015-09-01 Igt Secure smart card operations

Also Published As

Publication number Publication date
CA2722163A1 (en) 2009-10-29
US20090265271A1 (en) 2009-10-22
WO2009132112A3 (en) 2010-01-07
AU2009239396B2 (en) 2014-09-04
AU2009239396A1 (en) 2009-10-29
WO2009132112A2 (en) 2009-10-29

Similar Documents

Publication Publication Date Title
BRPI0911344A2 (pt) dispositivo de consumidor portátil, método para processar uma transação com um dispositivo de consumidor portátil, e, meio legível por computador.
CL2011000309A1 (es) Tarjeta de transaccion financiera que entrega una orientacion hacia otra posicion
WO2007011787A3 (en) System and method for immediate issuance of transaction cards
BR112012014597A2 (pt) Método de avaliação de transação, sistema de computador e meio legível em computador
WO2007053468A3 (en) Electronic physician's order entering system
WO2006036955A3 (en) Gift registry system
MX2010007035A (es) Sistemas, metodos y productos de programas para computadora para realizar transacciones mercantiles de transporte publico.
WO2009137076A3 (en) A one card system
ATE525695T1 (de) Durchführen eines datenschreibvorgangs auf einer speicheranordnung
MX2009006641A (es) Virtualizacion de comportamiento de cliente como un instrumento financiero.
WO2009155023A3 (en) Graduation function for stored value card
Amutio et al. Stress and irrational beliefs in college students.
TW200943089A (en) Methods and systems for maintaining personal data trusts
GB2467665A (en) Methods and systems of predicting mortgage payment risk
Biemiller Gifts to Colleges Rose 8.2% in 2011, Survey Finds.
Clark Relations between empathy, gender and charitable behavior
Gogol Evaluating the prospect of discharge trading within the Greater Vancouver Regional District (British Columbia)
Khaz’al Nashoor Analysis of trends in the housing crisis in the province of Basrah
Thomas et al. Which catchment properties determine runoff behavior in small catchments?
Renaud et al. Targeted loss reduction for Water Supply Systems to achieve savings in water resources
CR8894A (es) Metodo para la disposicion de efectivo en cajeros sin tarjeta mediante una orden de pago via sms
محمد مزعل الراوي et al. sensitivity analysis
ANSARI et al. JUSTIFICATION OF USING MONEY LAUNDERING DETECTION SYSTEMS (MLDS) IN AN ELECTRONIC BANKING ENVIRONMENT
One Thesis Application 480 (Thesis) 490 (Honors Thesis)
Moshiri et al. An Analysis of Central Bank Intervention in Foreign Exchange Market Using the Markov Switching and Probit Models

Legal Events

Date Code Title Description
B08F Application fees: application dismissed [chapter 8.6 patent gazette]

Free format text: REFERENTE AS 9A E 10A ANUIDADES.

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 2513 DE 06-03-2019 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.

B350 Update of information on the portal [chapter 15.35 patent gazette]