ES2531386B1 - Sistema y método de pago mediante dispositivo móvil - Google Patents

Sistema y método de pago mediante dispositivo móvil Download PDF

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Publication number
ES2531386B1
ES2531386B1 ES201331331A ES201331331A ES2531386B1 ES 2531386 B1 ES2531386 B1 ES 2531386B1 ES 201331331 A ES201331331 A ES 201331331A ES 201331331 A ES201331331 A ES 201331331A ES 2531386 B1 ES2531386 B1 ES 2531386B1
Authority
ES
Spain
Prior art keywords
payment
mobile device
token
server
access
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.)
Expired - Fee Related
Application number
ES201331331A
Other languages
English (en)
Other versions
ES2531386A1 (es
Inventor
Juan Cristóbal PEREDA GRANADOS
Elena VELASCO RODRÍGUEZ
Carmen URBANO PRADA
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.)
POMO POSIBILIDADES S A
POMO POSIBILIDADES SA
Original Assignee
POMO POSIBILIDADES S A
POMO POSIBILIDADES SA
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 POMO POSIBILIDADES S A, POMO POSIBILIDADES SA filed Critical POMO POSIBILIDADES S A
Priority to ES201331331A priority Critical patent/ES2531386B1/es
Priority to PCT/ES2014/070695 priority patent/WO2015036642A1/es
Priority to MX2016003314A priority patent/MX2016003314A/es
Publication of ES2531386A1 publication Critical patent/ES2531386A1/es
Application granted granted Critical
Publication of ES2531386B1 publication Critical patent/ES2531386B1/es
Priority to DO2016000065A priority patent/DOP2016000065A/es
Priority to CL2016000603A priority patent/CL2016000603A1/es
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Sistema y método de pago mediante dispositivo móvil. El sistema comprende:#- un dispositivo móvil (4) con una aplicación para generar tokens en función de un dato temporal que determina la caducidad del token, una contraseña de usuario y un número secreto almacenado en el dispositivo móvil;#- un terminal de venta (5) de un comercio (1), que recibe el token, datos de identificación del usuario y el importe de la compra, y remitir (108) dicha información a un servidor (8);#- el servidor (8) encargado de:#- acceder a una base de datos de usuarios (6) para validar el token y obtener información bancaria para efectuar el pago;#- acceder a una base de datos de comercios (7) para obtener información bancaria para efectuar el abono al comercio (1);#- enviar a una pasarela de medio de pago (9) la orden de pago.

Description

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Claims (1)

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ES201331331A 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil Expired - Fee Related ES2531386B1 (es)

Priority Applications (5)

Application Number Priority Date Filing Date Title
ES201331331A ES2531386B1 (es) 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil
PCT/ES2014/070695 WO2015036642A1 (es) 2013-09-13 2014-09-12 Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único
MX2016003314A MX2016003314A (es) 2013-09-13 2014-09-12 Sistema y metodo de pago mediante dispositivo movil.
DO2016000065A DOP2016000065A (es) 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil
CL2016000603A CL2016000603A1 (es) 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ES201331331A ES2531386B1 (es) 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil

Publications (2)

Publication Number Publication Date
ES2531386A1 ES2531386A1 (es) 2015-03-13
ES2531386B1 true ES2531386B1 (es) 2015-12-22

Family

ID=51842549

Family Applications (1)

Application Number Title Priority Date Filing Date
ES201331331A Expired - Fee Related ES2531386B1 (es) 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil

Country Status (5)

Country Link
CL (1) CL2016000603A1 (es)
DO (1) DOP2016000065A (es)
ES (1) ES2531386B1 (es)
MX (1) MX2016003314A (es)
WO (1) WO2015036642A1 (es)

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1231578A3 (de) * 2001-02-01 2004-03-10 Siemens Aktiengesellschaft Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungsaktion
AU2005277198A1 (en) * 2004-08-18 2006-03-02 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code
GB2425621A (en) 2005-03-18 2006-11-01 Hewlett Packard Development Co An electronic token for authorising payment at a retail outlet
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
US20080103984A1 (en) 2006-10-30 2008-05-01 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US8301500B2 (en) * 2008-04-02 2012-10-30 Global 1 Enterprises Ghosting payment account data in a mobile telephone payment transaction system
US10454693B2 (en) 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US8380177B2 (en) 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
AU2011261259B2 (en) * 2010-06-04 2015-05-14 Visa International Service Association Payment tokenization apparatuses, methods and systems
WO2012003842A1 (en) 2010-07-08 2012-01-12 Ashraf Abdel Salam Mohammed El Disoky Method and system for payment and processing all financial operations using wireless, landline and mobile phone credit as alternative to carrying money or credit cards
US20120173431A1 (en) * 2010-12-30 2012-07-05 First Data Corporation Systems and methods for using a token as a payment in a transaction
US9883387B2 (en) * 2011-03-24 2018-01-30 Visa International Service Association Authentication using application authentication element
EP2718887A1 (en) * 2011-06-10 2014-04-16 Swedbank AB Electronic transactions

Also Published As

Publication number Publication date
ES2531386A1 (es) 2015-03-13
CL2016000603A1 (es) 2016-11-25
WO2015036642A1 (es) 2015-03-19
MX2016003314A (es) 2016-10-28
DOP2016000065A (es) 2016-06-30

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