CN104303197A - 用于实时的账户访问的系统和方法 - Google Patents

用于实时的账户访问的系统和方法 Download PDF

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Publication number
CN104303197A
CN104303197A CN201380026008.9A CN201380026008A CN104303197A CN 104303197 A CN104303197 A CN 104303197A CN 201380026008 A CN201380026008 A CN 201380026008A CN 104303197 A CN104303197 A CN 104303197A
Authority
CN
China
Prior art keywords
account
request
transaction request
identifier
transaction
Prior art date
Legal status (The legal status 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 status listed.)
Pending
Application number
CN201380026008.9A
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English (en)
Chinese (zh)
Inventor
N·马库斯
R·伍德伯里
P·戈登
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
PayNet Payments Network LLC
Original Assignee
PayNet Payments Network LLC
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 PayNet Payments Network LLC filed Critical PayNet Payments Network LLC
Priority to CN202010667629.7A priority Critical patent/CN111899010A/zh
Publication of CN104303197A publication Critical patent/CN104303197A/zh
Pending legal-status Critical Current

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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
    • G06Q20/08—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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/30—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
    • G06Q20/356—Aspects of software for card 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Meter Arrangements (AREA)
  • Telephonic Communication Services (AREA)
CN201380026008.9A 2012-03-19 2013-03-15 用于实时的账户访问的系统和方法 Pending CN104303197A (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010667629.7A CN111899010A (zh) 2012-03-19 2013-03-15 用于处理支付交易的方法和系统

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201261612897P 2012-03-19 2012-03-19
US61/612,897 2012-03-19
PCT/US2013/032130 WO2013142334A1 (en) 2012-03-19 2013-03-15 Systems and methods for real-time account access

Related Child Applications (1)

Application Number Title Priority Date Filing Date
CN202010667629.7A Division CN111899010A (zh) 2012-03-19 2013-03-15 用于处理支付交易的方法和系统

Publications (1)

Publication Number Publication Date
CN104303197A true CN104303197A (zh) 2015-01-21

Family

ID=49158574

Family Applications (2)

Application Number Title Priority Date Filing Date
CN202010667629.7A Pending CN111899010A (zh) 2012-03-19 2013-03-15 用于处理支付交易的方法和系统
CN201380026008.9A Pending CN104303197A (zh) 2012-03-19 2013-03-15 用于实时的账户访问的系统和方法

Family Applications Before (1)

Application Number Title Priority Date Filing Date
CN202010667629.7A Pending CN111899010A (zh) 2012-03-19 2013-03-15 用于处理支付交易的方法和系统

Country Status (10)

Country Link
US (4) US10552807B2 (enExample)
EP (1) EP2828810A4 (enExample)
CN (2) CN111899010A (enExample)
AU (3) AU2013235387A1 (enExample)
BR (1) BR112014023264A2 (enExample)
CA (3) CA3204698A1 (enExample)
HK (1) HK1206466A1 (enExample)
IN (1) IN2014DN08214A (enExample)
MX (1) MX362174B (enExample)
WO (1) WO2013142334A1 (enExample)

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CN107710253A (zh) * 2015-05-14 2018-02-16 万事达卡国际股份有限公司 用于虚拟卡交易的部分批准的方法和系统
CN107836004A (zh) * 2015-07-21 2018-03-23 万事达卡国际股份有限公司 用于处理对支付账户的交易的系统和方法
CN108345516A (zh) * 2018-01-09 2018-07-31 阿里巴巴集团控股有限公司 一种账户回迁方法、装置及设备
CN108701325A (zh) * 2015-12-21 2018-10-23 星茶瓦公司 自调节交易系统以及用于该系统的方法
CN108713211A (zh) * 2016-03-09 2018-10-26 万事达卡国际股份有限公司 用于在支付账户之间转移资金的系统和方法
CN109313756A (zh) * 2016-06-15 2019-02-05 万事达卡国际公司 桥接的支付系统的交易流程和交易处理
CN113519003A (zh) * 2019-06-06 2021-10-19 维萨国际服务协会 直接扩展覆盖系统和方法
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CN119343892A (zh) * 2022-08-03 2025-01-21 1080网络有限公司 用于执行基于网络的无凭证通信交换的系统、方法和计算平台

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US11042850B2 (en) 2014-12-31 2021-06-22 Fiserv, Inc. Card account identifiers associated with conditions for temporary use
US10185946B2 (en) 2014-12-31 2019-01-22 Fiserv, Inc. Facilitating presentation of content relating to a financial transaction
US11068866B1 (en) 2015-02-17 2021-07-20 Wells Fargo Bank, N.A. Real-time interbank transactions systems and methods
JP2016212704A (ja) * 2015-05-11 2016-12-15 富士通株式会社 情報提供システムおよび情報提供方法
US11195176B2 (en) * 2017-08-23 2021-12-07 Visa International Service Association System, method, and computer program product for stand-in processing
RU2761419C1 (ru) * 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Способ и система для перевода денежных средств со счета на счет
US12067606B2 (en) 2020-12-17 2024-08-20 The Toronto-Dominion Bank Real-time provisioning of targeted, alternative product information based on structured messaging data
US12136079B2 (en) 2020-12-17 2024-11-05 The Toronto-Dominion Bank Real-time provisioning of targeted recommendations based on decomposed structured messaging data
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US20200273004A1 (en) 2020-08-27
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US11562334B2 (en) 2023-01-24
US10552807B2 (en) 2020-02-04
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CA2867697A1 (en) 2013-09-26
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