CO6650385A2 - Sistema y método para la emisión instantanea de transacciones financieras personalizadas - Google Patents

Sistema y método para la emisión instantanea de transacciones financieras personalizadas

Info

Publication number
CO6650385A2
CO6650385A2 CO13032410A CO13032410A CO6650385A2 CO 6650385 A2 CO6650385 A2 CO 6650385A2 CO 13032410 A CO13032410 A CO 13032410A CO 13032410 A CO13032410 A CO 13032410A CO 6650385 A2 CO6650385 A2 CO 6650385A2
Authority
CO
Colombia
Prior art keywords
card
customer
information
pin
branch
Prior art date
Application number
CO13032410A
Other languages
English (en)
Inventor
Bobby Smith
James White
Original Assignee
Eft Source 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 Eft Source Inc filed Critical Eft Source Inc
Publication of CO6650385A2 publication Critical patent/CO6650385A2/es

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
    • G06Q20/08—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
    • G06Q20/38—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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Accessory Devices And Overall Control Thereof (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

En un método para la emisión instantánea de una tarjeta de transacciones financieras personalizada a un cliente, un empleado del banco recibe información del cliente e información de la tarjeta desde el cliente en una localización de sucursal (15). El operador introduce la información del cliente y al menos parte de la información de la tarjeta en un terminal de procesamiento de datos en la sucursal. La información del cliente y la información de la tarjeta se comunican desde la sucursal a través de una red a un proveedor de servicios de tarjetas (35). En el proveedor de servicios de tarjetas, el número PIN se introduce en una base de datos de números PIN y un número de referencia asociado con el cliente y se genera un denominado PIN offset. El número de referencia se utiliza para recuperar el PIN desde la base de datos de números de PINs. El PIN recuperado se utiliza luego para aplicar cálculos al fichero de tarjetas. Utilizando la información procedente desde el fichero de tarjetas, la tarjeta de transacciones financieras se imprime para el cliente en la localización de la sucursal.
CO13032410A 2010-07-19 2013-02-18 Sistema y método para la emisión instantanea de transacciones financieras personalizadas CO6650385A2 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US36567310P 2010-07-19 2010-07-19

Publications (1)

Publication Number Publication Date
CO6650385A2 true CO6650385A2 (es) 2013-04-15

Family

ID=45467698

Family Applications (1)

Application Number Title Priority Date Filing Date
CO13032410A CO6650385A2 (es) 2010-07-19 2013-02-18 Sistema y método para la emisión instantanea de transacciones financieras personalizadas

Country Status (12)

Country Link
US (6) US8429075B2 (es)
EP (1) EP2596466B1 (es)
CN (1) CN103003832B (es)
AU (1) AU2011282283B2 (es)
BR (1) BR112013000991B8 (es)
CA (1) CA2805436C (es)
CL (1) CL2013000161A1 (es)
CO (1) CO6650385A2 (es)
ES (1) ES2715223T3 (es)
HK (1) HK1177807A1 (es)
TR (1) TR201904066T4 (es)
WO (1) WO2012012421A2 (es)

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US8997203B2 (en) * 2012-08-07 2015-03-31 Blackberry Limited Filtering network packets in multiple forwarding information base systems
JP6011167B2 (ja) * 2012-09-03 2016-10-19 ブラザー工業株式会社 通信中継プログラム、及び、通信中継装置
JP6167502B2 (ja) 2012-10-31 2017-07-26 ブラザー工業株式会社 通信中継プログラム、通信中継装置、及び、画像処理装置
JP6075010B2 (ja) 2012-10-31 2017-02-08 ブラザー工業株式会社 通信中継プログラム、及び、画像処理装置
US9940608B2 (en) * 2013-05-16 2018-04-10 Mts Holdings, Inc. Real time EFT network-based person-to-person transactions
US11367077B2 (en) * 2015-06-11 2022-06-21 Idid Tecnologia Ltda Antifraud resilient transaction identifier datastructure apparatuses, methods and systems
WO2018200327A1 (en) * 2017-04-24 2018-11-01 Cpi Card Group - Tennessee, Inc. Bridge application for user pin selection
DE102018001673A1 (de) 2018-03-02 2019-09-05 Giesecke+Devrient Mobile Security Gmbh Verfahren und System zum Isolieren von sofort ausgegebenen Karten mit visuellen Unzulänglichkeiten
US11461763B2 (en) * 2020-04-16 2022-10-04 Capital One Services Llc Systems and methods for instant bank card issuance

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US4924514A (en) * 1988-08-26 1990-05-08 International Business Machines Corporation Personal identification number processing using control vectors
US5132521A (en) 1989-09-15 1992-07-21 Smith Charles M System and method for acquisition and encoding of ATM card data
US5757431A (en) * 1994-06-20 1998-05-26 Lau Technologies Apparatus for coupling multiple data sources onto a printed document
JP2951844B2 (ja) 1994-06-30 1999-09-20 日本信販株式会社 クレジットカードシステム及び該システムを用いたクレジットカードの発行方法
DE19517818C2 (de) 1995-05-18 1997-12-18 Angewandte Digital Elektronik Verfahren zur Ausgabe von individuellen Chipkarten an eine Mehrzahl von einzelnen Chipkartennutzer unter Verwendung einer neutralen Chipkartenausgabestation
US6144948A (en) 1997-06-23 2000-11-07 Walker Digital, Llc Instant credit card marketing system for reservations for future services
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FR2785694B1 (fr) 1998-11-05 2001-01-12 Gemplus Card Int Systeme de personnalisation de cartes a puce
US6493677B1 (en) 2000-01-19 2002-12-10 Jones Soda Co. Method and apparatus for creating and ordering customized branded merchandise over a computer network
US7111163B1 (en) * 2000-07-10 2006-09-19 Alterwan, Inc. Wide area network using internet with quality of service
US6578761B1 (en) 2000-08-18 2003-06-17 Donald Spector Method for issuance of satellite credit and debit cards
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JP4039061B2 (ja) 2002-01-07 2008-01-30 凸版印刷株式会社 Ｉｃカード発行装置及びｉｃカード発行方法
US20030210696A1 (en) * 2002-04-25 2003-11-13 Globespanvirata Incorporated System and method for routing across segments of a network switch
JP2004013541A (ja) 2002-06-06 2004-01-15 Jcb:Kk オンライン入会によるカード即時発行システム及びカード即時発行方法
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Also Published As

Publication number Publication date
AU2011282283A1 (en) 2013-01-31
BR112013000991B8 (pt) 2021-05-25
BR112013000991A2 (pt) 2017-10-17
HK1177807A1 (en) 2013-08-30
CL2013000161A1 (es) 2013-11-08
EP2596466A4 (en) 2014-10-29
WO2012012421A2 (en) 2012-01-26
CN103003832A (zh) 2013-03-27
BR112013000991B1 (pt) 2021-05-11
AU2011282283B2 (en) 2014-02-20
US20190228392A1 (en) 2019-07-25
US20230259905A1 (en) 2023-08-17
TR201904066T4 (tr) 2019-05-21
CN103003832B (zh) 2015-11-25
US20160328688A1 (en) 2016-11-10
EP2596466A2 (en) 2013-05-29
US8429075B2 (en) 2013-04-23
US12079788B2 (en) 2024-09-03
US20130297505A1 (en) 2013-11-07
ES2715223T3 (es) 2019-06-03
US20210073756A1 (en) 2021-03-11
CA2805436A1 (en) 2012-01-26
WO2012012421A3 (en) 2012-05-18
US10846666B2 (en) 2020-11-24
CA2805436C (en) 2017-01-03
US20120016797A1 (en) 2012-01-19
US11687894B2 (en) 2023-06-27
US10275747B2 (en) 2019-04-30
EP2596466B1 (en) 2018-12-26

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