ECSP12012081A - Sistema y método para la realización de transacciones financieras - Google Patents
Sistema y método para la realización de transacciones financierasInfo
- Publication number
- ECSP12012081A ECSP12012081A ECSP12012081A ECSP12012081A EC SP12012081 A ECSP12012081 A EC SP12012081A EC SP12012081 A ECSP12012081 A EC SP12012081A EC SP12012081 A ECSP12012081 A EC SP12012081A
- Authority
- EC
- Ecuador
- Prior art keywords
- allows
- present
- standard
- allow users
- mobile
- Prior art date
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
- G06Q20/108—Remote banking, e.g. home banking
-
- 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]
- G06Q20/3221—Access to banking information through 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
- G06Q20/32—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]
- G06Q20/3223—Realising banking transactions through 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
- 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)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Los sistemas y métodos de la presente invención incluyen una arquitectura de sistema integral que permite el acceso a instituciones financieras no bancarias (NFBIs) y bancos a través de dispositivos en punto de venta y teléfonos móviles, por ejemplo. La presente invención involucra el uso de un estándar ISO 8583 modificado para permitir a los usuarios hacer interfase con un sistema de procesamiento de front end directamente desde los dispositivos no tradicionales. La presente invención también permite banca móvil con los NBFI a través del uso de una aplicación que reside en un teléfono móvil de un usuario, que permite el encapsulamiento de información del usuario como XML, por ejemplo, y la transmisión de ellos sobre http mientras cumple con el estándar ISO 8583, y además permite la encriptación de ciertos datos de usuario, sin que tenga que recurrir al acceso a la página web de banca móvil. En un aspecto de la invención, una aplicación POS puede ejecutarse en la parte superior de PCI para permitir a los usuarios hacer compras utilizando fondos pre-depositados en una cuenta NBFI.
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13/217,634 US20130054468A1 (en) | 2011-08-25 | 2011-08-25 | System and method for conducting financial transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
ECSP12012081A true ECSP12012081A (es) | 2014-01-31 |
Family
ID=47745048
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
ECSP12012081 ECSP12012081A (es) | 2011-08-25 | 2012-08-02 | Sistema y método para la realización de transacciones financieras |
Country Status (6)
Country | Link |
---|---|
US (1) | US20130054468A1 (es) |
AR (1) | AR087449A1 (es) |
CO (1) | CO6840292A1 (es) |
DO (1) | DOP2012000213A (es) |
EC (1) | ECSP12012081A (es) |
PE (1) | PE20130629A1 (es) |
Families Citing this family (25)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
AU2011216221B2 (en) * | 2010-02-15 | 2013-10-24 | Visa U.S.A. Inc. | Prepaid account funds transfer apparatuses, methods and systems |
US9940614B2 (en) * | 2013-04-11 | 2018-04-10 | Mx Technologies, Inc. | Syncing two separate authentication channels to the same account or data using a token or the like |
AU2014264204B2 (en) * | 2013-05-10 | 2019-04-18 | Truteq International (Pty) Ltd | A method and system for communicating banking-related security messages |
US11694256B1 (en) | 2013-10-10 | 2023-07-04 | Wells Fargo Bank, N.A. | Mobile enabled activation of a bank account |
US10515347B2 (en) * | 2014-01-31 | 2019-12-24 | Ncr Corporation | Techniques for kiosk transactions |
US10311434B2 (en) * | 2014-05-29 | 2019-06-04 | Paypal, Inc. | Systems and methods for reporting compromised card accounts |
US20160005023A1 (en) * | 2014-07-07 | 2016-01-07 | Google Inc. | Conducting financial transactions by telephone |
DOP2015000010A (es) * | 2015-01-14 | 2015-06-15 | Any Micel Lopez Castillo | Sistema de venta digital de impuestos |
US10963850B2 (en) * | 2015-03-30 | 2021-03-30 | Ncr Corporation | Inter-network remote assist |
US10679285B1 (en) | 2015-07-13 | 2020-06-09 | Wells Fargo Bank, N.A. | Systems and methods for real time credit extension and bill pay configuration |
US10529015B1 (en) | 2016-04-01 | 2020-01-07 | Wells Fargo Bank, N.A. | Systems and methods for onboarding customers through a short-range communication channel |
WO2017218489A1 (en) * | 2016-06-15 | 2017-12-21 | Mastercard International Incorporated | System and method of payment of merchants on behalf of payment card system transaction acquirers |
JP6803692B2 (ja) * | 2016-06-30 | 2020-12-23 | グローリー株式会社 | 現金処理システム、現金処理方法及び携帯端末 |
US10600108B2 (en) * | 2016-09-26 | 2020-03-24 | Target Brands, Inc. | Web session security and computational load management |
US11042852B1 (en) | 2017-06-23 | 2021-06-22 | Wells Fargo Bank, N.A. | Sender authenticated remittance via an automatic teller machine |
CN108055266A (zh) * | 2017-12-15 | 2018-05-18 | 南京邮电大学盐城大数据研究院有限公司 | 一种基于位置偏移的解析8583数据报文的方法及系统 |
US11468427B2 (en) * | 2018-08-29 | 2022-10-11 | Mastercard International Incorporated | Systems and methods for use in contactless communication |
US11676149B2 (en) | 2019-04-11 | 2023-06-13 | Ncr Corporation | Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets |
US11636454B2 (en) * | 2019-04-11 | 2023-04-25 | Ncr Corporation | Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets |
US10937014B2 (en) * | 2019-05-31 | 2021-03-02 | Worldpay, Llc | Methods and systems for dual-to-single message conversion in electronic transactions |
CN110263045B (zh) * | 2019-06-25 | 2022-10-04 | 江苏梦嘉控股集团有限公司 | 一种客户管理系统 |
CN110995754B (zh) * | 2019-12-19 | 2022-08-16 | 福建新大陆支付技术有限公司 | 一种数据报文索引的管理方法和装置以及设备 |
CN112036860B (zh) * | 2020-08-31 | 2024-06-21 | 百富计算机技术(深圳)有限公司 | 一种安全设备 |
US11373239B1 (en) | 2020-09-30 | 2022-06-28 | Wells Fargo Bank, N.A. | Real-time currency exchange system |
US20220366407A1 (en) * | 2021-05-13 | 2022-11-17 | Mastercard International Incorporated | Method and system for privacy oriented provenance at the point of sale |
Family Cites Families (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB0809382D0 (en) * | 2008-05-23 | 2008-07-02 | Vidicom Ltd | Funds transfer electronically |
US7890425B2 (en) * | 2008-09-18 | 2011-02-15 | Wells Fargo Bank N.A. | Card-less financial transaction |
-
2011
- 2011-08-25 US US13/217,634 patent/US20130054468A1/en not_active Abandoned
-
2012
- 2012-07-16 PE PE2012001008A patent/PE20130629A1/es not_active Application Discontinuation
- 2012-07-19 CO CO12121806A patent/CO6840292A1/es unknown
- 2012-08-02 DO DO2012000213A patent/DOP2012000213A/es unknown
- 2012-08-02 EC ECSP12012081 patent/ECSP12012081A/es unknown
- 2012-08-03 AR ARP120102842A patent/AR087449A1/es unknown
Also Published As
Publication number | Publication date |
---|---|
DOP2012000213A (es) | 2013-03-15 |
PE20130629A1 (es) | 2013-05-24 |
US20130054468A1 (en) | 2013-02-28 |
CO6840292A1 (es) | 2014-01-20 |
AR087449A1 (es) | 2014-03-26 |
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