BRPI0911807A2 - meio legível por computador, computador servidor, método, e, dispositivo de acesso - Google Patents

meio legível por computador, computador servidor, método, e, dispositivo de acesso

Info

Publication number
BRPI0911807A2
BRPI0911807A2 BRPI0911807A BRPI0911807A BRPI0911807A2 BR PI0911807 A2 BRPI0911807 A2 BR PI0911807A2 BR PI0911807 A BRPI0911807 A BR PI0911807A BR PI0911807 A BRPI0911807 A BR PI0911807A BR PI0911807 A2 BRPI0911807 A2 BR PI0911807A2
Authority
BR
Brazil
Prior art keywords
readable medium
access device
computer readable
computer
server computer
Prior art date
Application number
BRPI0911807A
Other languages
English (en)
Inventor
Ayman Hammad
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 BRPI0911807A2 publication Critical patent/BRPI0911807A2/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]
    • 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
    • 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
    • G06Q20/30—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
    • 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/341—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
    • G06Q20/40—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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233—Method of redeeming a frequent usage reward
BRPI0911807A 2008-04-29 2009-04-28 meio legível por computador, computador servidor, método, e, dispositivo de acesso BRPI0911807A2 (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US4881408P 2008-04-29 2008-04-29
PCT/US2009/041962 WO2009134790A2 (en) 2008-04-29 2009-04-28 Authorization system with split messaging

Publications (1)

Publication Number Publication Date
BRPI0911807A2 true BRPI0911807A2 (pt) 2015-10-06

Family

ID=41214016

Family Applications (2)

Application Number Title Priority Date Filing Date
BRPI0911839A BRPI0911839A2 (pt) 2008-04-29 2009-04-28 dispositivo de consumidor, método, meio legível por computador, computador servidor, dispositivo de acesso, e, sistema.
BRPI0911807A BRPI0911807A2 (pt) 2008-04-29 2009-04-28 meio legível por computador, computador servidor, método, e, dispositivo de acesso

Family Applications Before (1)

Application Number Title Priority Date Filing Date
BRPI0911839A BRPI0911839A2 (pt) 2008-04-29 2009-04-28 dispositivo de consumidor, método, meio legível por computador, computador servidor, dispositivo de acesso, e, sistema.

Country Status (5)

Country Link
US (4) US20090271211A1 (pt)
AU (4) AU2009243169B2 (pt)
BR (2) BRPI0911839A2 (pt)
CA (4) CA2722933A1 (pt)
WO (4) WO2009134781A2 (pt)

Families Citing this family (104)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9135612B1 (en) 2011-04-17 2015-09-15 Proctor Consulting, LLC Proximity detection, virtual detection, or location based triggering of the exchange of value and information
US9846866B2 (en) * 2007-02-22 2017-12-19 First Data Corporation Processing of financial transactions using debit networks
CA2722933A1 (en) * 2008-04-29 2009-11-05 Visa U.S.A. Inc. Device including form factor indicator
US8682717B2 (en) 2008-04-30 2014-03-25 Visa U.S.A. Inc. System and method for processing field 55 customer exclusive data
US7936736B2 (en) 2008-09-08 2011-05-03 Proctor Jr James Arthur Enforcing policies in wireless communication using exchanged identities
EP2172896A1 (fr) * 2008-10-02 2010-04-07 Nagravision S.A. Méthode de gestion d'une valeur dans un dispositif à prépaiement
EP2189933A1 (en) * 2008-11-24 2010-05-26 Research in Motion Electronic payment system including merchant server and associated methods
US20100145855A1 (en) * 2008-12-06 2010-06-10 Fordyce Iii Edward W Payment account processing which conveys non purchase related data exchanges
US8762239B2 (en) * 2009-01-12 2014-06-24 Visa U.S.A. Inc. Non-financial transactions in a financial transaction network
US8556169B2 (en) 2009-01-12 2013-10-15 Visa U.S.A. Inc. Opt in system and method
US9721238B2 (en) 2009-02-13 2017-08-01 Visa U.S.A. Inc. Point of interaction loyalty currency redemption in a transaction
US8567670B2 (en) * 2009-03-27 2013-10-29 Intersections Inc. Dynamic card verification values and credit transactions
US9031859B2 (en) 2009-05-21 2015-05-12 Visa U.S.A. Inc. Rebate automation
AU2010271244B2 (en) * 2009-07-09 2014-12-11 Cubic Corporation Predictive techniques in transit alerting
US20110166914A1 (en) * 2009-07-09 2011-07-07 Cubic Corporation Reloadable prepaid card distribution, reload, and registration in transit
AU2010271242B2 (en) * 2009-07-09 2015-01-22 Cubic Corporation Transit account management with mobile device messaging
US20110035290A1 (en) * 2009-08-10 2011-02-10 Diego Franco Mortillaro System and method for transferring money from a mobile phone account
US10074081B1 (en) * 2009-08-14 2018-09-11 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device
US10515427B1 (en) * 2009-08-14 2019-12-24 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device for a healthcare service or product
US8463706B2 (en) 2009-08-24 2013-06-11 Visa U.S.A. Inc. Coupon bearing sponsor account transaction authorization
US8991699B2 (en) 2009-09-08 2015-03-31 Cubic Corporation Association of contactless payment card primary account number
US9208337B2 (en) 2009-09-22 2015-12-08 Denise G. Tayloe Systems, methods, and software applications for providing and identity and age-appropriate verification registry
GB2476233B (en) 2009-12-14 2018-05-23 Visa Europe Ltd Payment device
US8874638B2 (en) * 2009-12-15 2014-10-28 International Business Machines Corporation Interactive analytics processing
US8892762B2 (en) * 2009-12-15 2014-11-18 International Business Machines Corporation Multi-granular stream processing
US8819183B2 (en) * 2009-12-15 2014-08-26 International Business Machines Corporation Concurrent execution of request processing and analytics of requests
US7992781B2 (en) * 2009-12-16 2011-08-09 Visa International Service Association Merchant alerts incorporating receipt data
US8429048B2 (en) 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US8423467B1 (en) * 2010-03-08 2013-04-16 Jesper M. Johansson Merchant-specific shadow account numbers
WO2011112396A2 (en) * 2010-03-09 2011-09-15 Visa International Service Association System and method including customized linkage rules in payment transactions
WO2011112393A2 (en) * 2010-03-09 2011-09-15 Visa International Service Association System and method including security parameters used for generation of verification value
CA3012391A1 (en) * 2010-04-05 2011-10-13 Cardinalcommerce Corporation Method and system for processing pin debit transactions
US10460316B2 (en) * 2010-04-05 2019-10-29 Paypal, Inc. Two device authentication
US8706620B2 (en) 2010-04-12 2014-04-22 Visa International Service Association Restricted use currency
US10878404B2 (en) * 2010-06-29 2020-12-29 Feitian Technologies Co., Ltd. Method for operating an e-purse
US8453226B2 (en) 2010-07-16 2013-05-28 Visa International Service Association Token validation for advanced authorization
US8626658B1 (en) * 2010-07-28 2014-01-07 Intuit Inc. Methods, systems and apparatus for providing a dynamic account list in an online financial services system
CN102375997B (zh) * 2010-08-20 2015-04-08 阿里巴巴集团控股有限公司 一种基于用户卡的信息发送方法和系统
US11055693B2 (en) * 2010-09-30 2021-07-06 Mastercard International Incorporated Methods, systems and computer readable media for issuing and redeeming co-branded electronic certificates
US8856024B2 (en) 2010-10-26 2014-10-07 Cubic Corporation Determining companion and joint cards in transit
WO2012103128A2 (en) * 2011-01-24 2012-08-02 Visa International Service Association Statement portal with receipt tagging and associated enhanced benefit messaging
US8977251B2 (en) * 2011-01-31 2015-03-10 Bank Of America Corporation Transferring content to a mobile device
WO2012161808A2 (en) 2011-02-25 2012-11-29 Visa International Service Association Direct connection systems and methods
DE102011077770A1 (de) * 2011-06-17 2012-12-20 WR Information Management GmbH Bezahlsystem zur Bezahlung von Waren und Dienstleistungen sowie Verfahren hierfür
US9240011B2 (en) 2011-07-13 2016-01-19 Visa International Service Association Systems and methods to communicate with transaction terminals
US8560447B1 (en) 2011-07-27 2013-10-15 Intuit Inc. Intelligent account selection for electronic bill payment
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
US9152974B1 (en) 2011-08-30 2015-10-06 American Express Travel Related Services Company, Inc. Systems and methods for processing transactions
AU2012322837B2 (en) * 2011-10-11 2015-08-27 Visa International Service Association Systems and methods to provide discount at point of sales terminals
US20130124287A1 (en) * 2011-11-14 2013-05-16 Visa International Service Association Systems and methods to provide discount at point of sales terminals
US10360578B2 (en) 2012-01-30 2019-07-23 Visa International Service Association Systems and methods to process payments based on payment deals
US8880431B2 (en) 2012-03-16 2014-11-04 Visa International Service Association Systems and methods to generate a receipt for a transaction
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
US9922338B2 (en) 2012-03-23 2018-03-20 Visa International Service Association Systems and methods to apply benefit of offers
US9495690B2 (en) 2012-04-04 2016-11-15 Visa International Service Association Systems and methods to process transactions and offers via a gateway
US20130282461A1 (en) * 2012-04-20 2013-10-24 Visa International Service Association Systems and methods to use transaction authorization communications to process offers
US9864988B2 (en) 2012-06-15 2018-01-09 Visa International Service Association Payment processing for qualified transaction items
US8738454B2 (en) 2012-07-23 2014-05-27 Wal-Mart Stores, Inc. Transferring digital receipt data to mobile devices
US8843398B2 (en) 2012-07-23 2014-09-23 Wal-Mart Stores, Inc. Transferring digital receipt data to mobile devices
US9842333B2 (en) 2012-07-23 2017-12-12 Wal-Mart Stores, Inc. Transferring digital receipt data to mobile devices
US9626678B2 (en) 2012-08-01 2017-04-18 Visa International Service Association Systems and methods to enhance security in transactions
US10438199B2 (en) 2012-08-10 2019-10-08 Visa International Service Association Systems and methods to apply values from stored value accounts to payment transactions
US11080701B2 (en) * 2015-07-02 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US11080700B2 (en) 2015-01-19 2021-08-03 Royal Bank Of Canada Secure processing of electronic payments
US9082119B2 (en) 2012-10-17 2015-07-14 Royal Bank of Canada. Virtualization and secure processing of data
US11210648B2 (en) 2012-10-17 2021-12-28 Royal Bank Of Canada Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
US9953305B2 (en) * 2012-10-22 2018-04-24 Oonetic Online payment system and method according to the mirror authorization server principle
US10685367B2 (en) * 2012-11-05 2020-06-16 Visa International Service Association Systems and methods to provide offer benefits based on issuer identity
CN103973340B (zh) * 2013-01-29 2016-05-25 华为终端有限公司 近场通信方法和近场通信设备
US9781598B2 (en) 2013-03-15 2017-10-03 Tyfone, Inc. Personal digital identity device with fingerprint sensor responsive to user interaction
US9319881B2 (en) 2013-03-15 2016-04-19 Tyfone, Inc. Personal digital identity device with fingerprint sensor
US9215592B2 (en) 2013-03-15 2015-12-15 Tyfone, Inc. Configurable personal digital identity device responsive to user interaction
US9436165B2 (en) 2013-03-15 2016-09-06 Tyfone, Inc. Personal digital identity device with motion sensor responsive to user interaction
US9086689B2 (en) 2013-03-15 2015-07-21 Tyfone, Inc. Configurable personal digital identity device with imager responsive to user interaction
US9231945B2 (en) * 2013-03-15 2016-01-05 Tyfone, Inc. Personal digital identity device with motion sensor
US9448543B2 (en) 2013-03-15 2016-09-20 Tyfone, Inc. Configurable personal digital identity device with motion sensor responsive to user interaction
US10558958B2 (en) 2013-05-17 2020-02-11 Visa International Service Association Contactless message transmission
US9870556B2 (en) * 2013-05-22 2018-01-16 Google Llc Split tender in a prepaid architecture
US20140351035A1 (en) 2013-05-22 2014-11-27 Google Inc. Auto-redeemable basket level offers in a prepaid architecture
GB2517183A (en) * 2013-08-14 2015-02-18 Mastercard International Inc Method and system of facilitating payments on a payment card network
US11216871B2 (en) * 2013-09-27 2022-01-04 Insperity Services, L.P. Method, apparatus and system for automated funding
US9990646B2 (en) 2013-10-24 2018-06-05 Visa International Service Association Systems and methods to provide a user interface for redemption of loyalty rewards
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
US9672516B2 (en) 2014-03-13 2017-06-06 Visa International Service Association Communication protocols for processing an authorization request in a distributed computing system
US10242351B1 (en) 2014-05-07 2019-03-26 Square, Inc. Digital wallet for groups
US10026083B1 (en) 2014-05-11 2018-07-17 Square, Inc. Tab for a venue
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
US10650398B2 (en) * 2014-06-16 2020-05-12 Visa International Service Association Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption
CA2963287A1 (en) * 2014-10-10 2016-04-14 Royal Bank Of Canada Systems and methods of processing electronic payments
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
US11354651B2 (en) 2015-01-19 2022-06-07 Royal Bank Of Canada System and method for location-based token transaction processing
US11599879B2 (en) 2015-07-02 2023-03-07 Royal Bank Of Canada Processing of electronic transactions
MX2018004493A (es) * 2015-10-12 2018-11-09 Walmart Apollo Llc Sistemas y metodos de compra dividida.
US10540643B2 (en) * 2016-04-15 2020-01-21 Mastercard International Incorporated Interchange rate processing system and method
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
US10423947B1 (en) 2016-09-09 2019-09-24 Worldpay, Llc User interfaces for using shared databases for managing supplemental payment sources
US10402829B1 (en) * 2016-09-09 2019-09-03 Worldpay, Llc Systems and methods for using shared databases for managing supplemental payment sources
EP3568825A4 (en) * 2017-01-13 2020-07-08 JPMorgan Chase Bank, N.A. SYSTEMS AND METHODS FOR THE MANAGEMENT OF VIRTUAL ACKNOWLEDGED BY ASSETS OR OBLIGATIONS IN A DISTRIBUTED SYSTEM
SG10201800215WA (en) * 2018-01-09 2019-08-27 Mastercard International Inc A tokenisation platform and computer-implemented method for generating a modified payment token for an express payment transaction
US11250407B2 (en) * 2018-08-31 2022-02-15 Visa International Service Association Method, system, and computer program product for providing installment payment options for a payment transaction
US11449872B2 (en) * 2018-11-21 2022-09-20 Synchrony Bank Single entry combined functionality
US11562355B2 (en) 2019-01-31 2023-01-24 Visa International Service Association Method, system, and computer program product for automatically re-processing a transaction
US11875320B1 (en) 2020-02-28 2024-01-16 The Pnc Financial Services Group, Inc. Systems and methods for managing a financial account in a low-cash mode
US11321697B1 (en) * 2021-09-28 2022-05-03 Step Mobile, Inc. Financial services platform with integrated banking, credit, and P2P capabilities

Family Cites Families (86)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4114027A (en) * 1976-09-13 1978-09-12 The Mosler Safe Company On-line/off-line automated banking system
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
JPS6143397A (ja) * 1984-08-08 1986-03-01 東芝テック株式会社 商品販売デ−タ処理システム
US4933842A (en) * 1988-02-29 1990-06-12 Tesseract Corporation Automated investment fund accounting system
JPH09237305A (ja) * 1996-03-04 1997-09-09 Hitachi Ltd カードを用いた複数種の取引処理実行方法
US5949044A (en) * 1997-06-13 1999-09-07 Walker Asset Management Limited Partnership Method and apparatus for funds and credit line transfers
US5914472A (en) * 1997-09-23 1999-06-22 At&T Corp Credit card spending authorization control system
US6808111B2 (en) * 1998-08-06 2004-10-26 Visa International Service Association Terminal software architecture for use with smart cards
GB2343763B (en) * 1998-09-04 2003-05-21 Shell Services Internat Ltd Data processing system
US7716080B2 (en) * 1999-06-23 2010-05-11 Signature Systems, Llc Method and system for using multi-function cards for storing, managing and aggregating reward points
US6963857B1 (en) * 1999-07-12 2005-11-08 Jsa Technologies Network-accessible account system
US7889052B2 (en) * 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7356541B1 (en) * 1999-10-29 2008-04-08 Computer Sciences Corporation Processing business data using user-configured keys
US6325285B1 (en) * 1999-11-12 2001-12-04 At&T Corp. Smart card with integrated fingerprint reader
AU2001243473A1 (en) * 2000-03-07 2001-09-17 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US20100228668A1 (en) * 2000-04-11 2010-09-09 Hogan Edward J Method and System for Conducting a Transaction Using a Proximity Device and an Identifier
CA2406001A1 (en) * 2000-04-14 2001-10-25 American Express Travel Related Services Company, Inc. A system and method for using loyalty points
US6915277B1 (en) * 2000-05-10 2005-07-05 General Electric Capital Corporation Method for dual credit card system
GB2362236A (en) * 2000-05-12 2001-11-14 Int Computers Ltd Method of providing self-service banking
EP1170685A3 (en) * 2000-06-29 2004-03-03 Hitachi, Ltd. IC card, settlement system and method with IC card
US8468071B2 (en) * 2000-08-01 2013-06-18 Jpmorgan Chase Bank, N.A. Processing transactions using a register portion to track transactions
CA2419566A1 (en) * 2000-08-17 2002-02-21 Daniel A. Kern Automated payment system
US7716129B1 (en) * 2000-08-22 2010-05-11 Beng Teck Alvin Tan Electronic payment methods
CA2319919A1 (en) * 2000-09-15 2002-03-15 Twin Lion Systems Inc. On-line payment system
US7337144B1 (en) * 2000-09-28 2008-02-26 Microsoft Corporation Method and system for restricting the usage of payment accounts
US7318049B2 (en) * 2000-11-17 2008-01-08 Gregory Fx Iannacci System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
JP4031989B2 (ja) * 2001-03-13 2008-01-09 富士通株式会社 移動通信端末及び方法
WO2002084569A1 (en) * 2001-03-29 2002-10-24 Ebestcard Ltd. Card transaction system and method on on-line and/or off-line
US7775426B2 (en) * 2001-04-23 2010-08-17 Paul David K Method and system for facilitating electronic funds transactions
US7542942B2 (en) * 2001-07-10 2009-06-02 American Express Travel Related Services Company, Inc. System and method for securing sensitive information during completion of a transaction
US6796497B2 (en) * 2002-04-23 2004-09-28 American Express Travel Related Services Company, Inc. System and method for facilitating a subsidiary card account
EP1265202A1 (en) * 2001-06-04 2002-12-11 Orbis Patents Limited Business-to-business commerce using financial transaction numbers
WO2003001866A1 (en) * 2001-06-27 2003-01-09 Snapcount Limited Transcation processing
US9031880B2 (en) * 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
WO2003010701A1 (en) * 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US6857566B2 (en) * 2001-12-06 2005-02-22 Mastercard International Method and system for conducting transactions using a payment card with two technologies
US7169053B2 (en) * 2002-01-15 2007-01-30 Atronic International Gmbh Centralized smart card money management
US7447657B1 (en) * 2002-03-14 2008-11-04 First Data Corporation Method and systems for handling method level processing in connection with account pricing
US7014104B2 (en) * 2002-05-31 2006-03-21 First Data Corporation Gift matching method
US8630946B2 (en) * 2002-11-04 2014-01-14 The Western Union Company Systems and methods for providing individualized financial access
US20110202465A1 (en) * 2002-11-24 2011-08-18 Ashraf Mashhour System and method for facilitating point of sale transactions with minimal transfer of sensitive data
US7571140B2 (en) * 2002-12-16 2009-08-04 First Data Corporation Payment management
US7316350B2 (en) * 2003-04-22 2008-01-08 First Data Corporation Multi-purse card system and methods
US7797192B2 (en) * 2003-05-06 2010-09-14 International Business Machines Corporation Point-of-sale electronic receipt generation
US8332293B2 (en) * 2004-06-10 2012-12-11 Ronald John Rosenberger End user generated billing cycles
US20080010189A1 (en) * 2003-06-19 2008-01-10 Ronald John Rosenberger Multiple account multiple parameter debit method, apparatus and systems for transaction processor
US7668754B1 (en) * 2003-07-21 2010-02-23 Symbol Technologies, Inc. Architecture for secure reverse mobile commerce
JP2005045675A (ja) * 2003-07-24 2005-02-17 Fujitsu Ltd フレーム転送方法およびフレーム転送装置
US7761374B2 (en) * 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US20050075975A1 (en) * 2003-10-02 2005-04-07 Rosner Warren M. Allocating funds for payment of transactional account statements
US7213750B1 (en) * 2003-11-19 2007-05-08 American Express Travel Related Services Company, Inc. Spending account systems and methods
US6883718B1 (en) * 2004-02-27 2005-04-26 Imation Corp. Credit card sized memory card with host connector
US7584153B2 (en) * 2004-03-15 2009-09-01 Qsecure, Inc. Financial transactions with dynamic card verification values
CA2929921C (en) * 2004-07-15 2017-08-01 Mastercard International Incorporated Method and system using a bitmap for passing contactless payment card transaction variables in standardized data formats
US20060018450A1 (en) * 2004-07-26 2006-01-26 Erik Sandberg-Diment Mobile telephone transaction system employing electronic account card
EP1776675A1 (en) * 2004-08-13 2007-04-25 Telecom Italia S.p.A. Method of and system for secure management of data stored on electronic tags
CA2577333C (en) * 2004-08-18 2016-05-17 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code
US7870071B2 (en) * 2004-09-08 2011-01-11 American Express Travel Related Services Company, Inc. Systems, methods, and devices for combined credit card and stored value transaction accounts
US20060059085A1 (en) * 2004-09-16 2006-03-16 Tucker Scott A Method, system, and computer program for on-demand short term loan processing and overdraft protection
US7812786B2 (en) 2005-01-18 2010-10-12 Nokia Corporation User interface for different displays
US7581678B2 (en) * 2005-02-22 2009-09-01 Tyfone, Inc. Electronic transaction card
KR100659675B1 (ko) * 2005-03-21 2006-12-21 김영수 송금자가 수금자로부터 전송받은 입금요청을 승인하여 계좌이체를 수행하는 계좌이체시스템 및 그 계좌이체방법
US20060213978A1 (en) * 2005-03-25 2006-09-28 Bluko Information Group Method and system of advancing value from credit card account for use with stored value account
US7506804B2 (en) * 2005-05-27 2009-03-24 U.S. Bancorp Licensing, Inc. System and method for an integrated payment and reward card
US8762263B2 (en) * 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
GB0518963D0 (en) * 2005-09-16 2005-10-26 Eagle Eye Solutions Ltd Transaction apparatus,systems and methods
US7657486B2 (en) * 2005-12-09 2010-02-02 Mastercard International Incorporated Techniques for co-existence of multiple stored value applications on a single payment device managing a shared balance
US20070150411A1 (en) * 2005-12-14 2007-06-28 Addepalli Sateesh K Universal payment system
US20070205275A1 (en) * 2006-03-06 2007-09-06 First Data Corporation Portable point of sale systems and methods
US20070255662A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Authenticating Wireless Person-to-Person Money Transfers
US7865141B2 (en) * 2006-06-15 2011-01-04 Silicon Storage Technology, Inc. Chipset for mobile wallet system
US8469277B2 (en) * 2006-07-28 2013-06-25 Mastercard International Incorporated Methods, systems and computer program products for wireless payment transactions
US7469151B2 (en) * 2006-09-01 2008-12-23 Vivotech, Inc. Methods, systems and computer program products for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities
WO2008042302A2 (en) * 2006-09-29 2008-04-10 Narian Technologies Corp. Apparatus and method using near field communications
US20080133350A1 (en) * 2006-10-24 2008-06-05 Brigette White Method and apparatus for reward redemption at the point of interaction
US8682791B2 (en) * 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
US20080272188A1 (en) * 2007-05-02 2008-11-06 I4 Commerce Inc. Distributed system for commerce
US7792748B1 (en) * 2007-09-19 2010-09-07 Capital One Financial Corporation Method and system for performing a financial transaction using a user interface
KR100795142B1 (ko) * 2007-09-21 2008-01-17 주식회사 유비닉스 전자통장 인증 서비스 시스템 및 방법
US8010428B2 (en) * 2007-09-26 2011-08-30 Visa Usa Inc. Form factor identification
MX2010010620A (es) * 2008-03-28 2010-12-14 Celltrust Corp Sistemas y metodos para el servicio de transmision de mensajes cortos y el servicio de transmision de mensajes multimedia seguros.
US20090265273A1 (en) * 2008-04-18 2009-10-22 Ncr Corporation Transaction authorization
CA2722933A1 (en) * 2008-04-29 2009-11-05 Visa U.S.A. Inc. Device including form factor indicator
US7962390B2 (en) * 2008-06-05 2011-06-14 Visa Usa Inc. Field 55 data relationships
US8061592B1 (en) * 2009-11-09 2011-11-22 The Pnc Financial Services Group, Inc. Overdraft threshold analysis and decisioning
US20110246355A1 (en) * 2010-04-01 2011-10-06 Bank Of America Corporation Over limit protection

Also Published As

Publication number Publication date
WO2009134781A3 (en) 2010-03-11
WO2009134789A3 (en) 2010-03-18
AU2009243159B2 (en) 2015-02-05
WO2009134782A2 (en) 2009-11-05
BRPI0911839A2 (pt) 2015-10-06
WO2009134790A3 (en) 2010-03-18
US20090271315A1 (en) 2009-10-29
US8770470B2 (en) 2014-07-08
US20090266881A1 (en) 2009-10-29
CA2722933A1 (en) 2009-11-05
WO2009134790A2 (en) 2009-11-05
WO2009134789A2 (en) 2009-11-05
CA2722947A1 (en) 2009-11-05
US20090271211A1 (en) 2009-10-29
CA2722949A1 (en) 2009-11-05
AU2009243168A1 (en) 2009-11-05
AU2009243169B2 (en) 2014-06-05
AU2009243169A1 (en) 2009-11-05
US20090271262A1 (en) 2009-10-29
AU2009243159A1 (en) 2009-11-05
WO2009134782A3 (en) 2010-03-04
AU2009243158A1 (en) 2009-11-05
CA2722951A1 (en) 2009-11-05
WO2009134781A2 (en) 2009-11-05

Similar Documents

Publication Publication Date Title
BRPI0911807A2 (pt) meio legível por computador, computador servidor, método, e, dispositivo de acesso
BRPI1008645A2 (pt) método, meio legível por computador, e, computador servidor
BRPI0818772A2 (pt) Dispositivo, método, e, meio legível por computador.
BRPI0908057A2 (pt) Método, meio legível por computador, computador servidor, e, dispositivo portátil de consumidor
BRPI0822907A2 (pt) Método implementado por computador, e, meio legível por computador
BRPI1012891A2 (pt) método, meio de armazenamento legível por computador, e, computador servidor.
BRPI0922278A2 (pt) métodos de identificação de comentários, dispositivos e meio legível em computador
BRPI0922309A2 (pt) método, meio legível por computador, e, aparelho.
BRPI0922312A2 (pt) método, e, meio legível por computador
BRPI0822314A2 (pt) Método, sistema, e, meio de armazenagem legível por computador
BRPI0917120A2 (pt) método, e, meio legível por computador.
BRPI0816773A2 (pt) Método, meio legível por computador, servidor, pluralidade de dispositivos de consumidor portáteis, computador servidor, e, aparelho
BRPI1013565A2 (pt) método, meio legível por computador, e, aparelho de computador
BRPI0919724A2 (pt) unidade de processamento, e , meio legível por computador
BRPI0818769A2 (pt) Método, meio legível por computador, computador servidor, e, telefone.
BRPI1012867A2 (pt) metodo, meio legivel por computador, computador servidor, e, sistema
BR112013004072A2 (pt) aparelho, método e meio de armazenamento legível por computador
BRPI1011767A2 (pt) método, meio legível por computador, computador servidor, e, sistema
BRPI0818423A2 (pt) Sistema, método, e, mídia legível por computador
BRPI0822827A2 (pt) Mídia legível por computador, método e sistema
BRPI1007501A2 (pt) método para autenticar com segurança um usuário, meio legível por computador, dispositivo de acesso, e, computador servidor.
BRPI0921124A2 (pt) sistema para autenticar um consumidor, método implementado por computador, meio legível por computador, e, computador servidor.
BR112012003459A2 (pt) "aparelho de processamento de informação, método para controlar um aparelho de processamento de informação, e, meio de armazenamento legível por computador."
BRPI0906086A2 (pt) Método, sistemas e meio legível por computador.
BR112012031695A2 (pt) método, aparelho, meio de armazenamento legível por computador e produto de programa de computador

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 7A 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 2385 DE 20-09-2016 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.