MX2008014010A - Metodos y sistemas para gestion de cuentas de clientes de institucion financiera. - Google Patents

Metodos y sistemas para gestion de cuentas de clientes de institucion financiera.

Info

Publication number
MX2008014010A
MX2008014010A MX2008014010A MX2008014010A MX2008014010A MX 2008014010 A MX2008014010 A MX 2008014010A MX 2008014010 A MX2008014010 A MX 2008014010A MX 2008014010 A MX2008014010 A MX 2008014010A MX 2008014010 A MX2008014010 A MX 2008014010A
Authority
MX
Mexico
Prior art keywords
financial institution
customer
transaction
card
relationship
Prior art date
Application number
MX2008014010A
Other languages
English (en)
Inventor
William Johnson
Original Assignee
Citicorp Credit Services 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 Citicorp Credit Services Inc filed Critical Citicorp Credit Services Inc
Publication of MX2008014010A publication Critical patent/MX2008014010A/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
    • G06Q20/04—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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un método implementado por computadora y un sistema de gestión de cuentas de transacción del cliente de la institución financiera que implica la emisión de una tarjeta de presentación de relación con un identificador de relación único para el cliente, que está vinculado a una pluralidad de cuentas de transacción del cliente en la institución financiera por medio de parámetros predefinidos para determinar a cuál de las cuentas vinculadas del cliente asignar las transacciones particulares con la tarjeta de presentación de relación. Después de esto, cuando los datos para una transacción con la tarjeta son recibidos por una plataforma de procesamiento de la institución financiera por medio de un comerciante adquiriente y una red de procesamiento de asociación de tarjeta, la plataforma de procesamiento de tarjeta de la institución financiera identifica una cuenta particular del cliente en la institución financiera a la cual se le debe asignar la transacción de acuerdo con los parámetros predefinidos con base en los datos de la transacción, y destina la transacción a la cuenta del usuario identificada en la institución financiera.
MX2008014010A 2007-11-02 2008-10-31 Metodos y sistemas para gestion de cuentas de clientes de institucion financiera. MX2008014010A (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US99613507P 2007-11-02 2007-11-02

Publications (1)

Publication Number Publication Date
MX2008014010A true MX2008014010A (es) 2009-05-26

Family

ID=40589179

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2008014010A MX2008014010A (es) 2007-11-02 2008-10-31 Metodos y sistemas para gestion de cuentas de clientes de institucion financiera.

Country Status (3)

Country Link
US (1) US11244289B2 (es)
CA (1) CA2642511C (es)
MX (1) MX2008014010A (es)

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Also Published As

Publication number Publication date
CA2642511A1 (en) 2009-05-02
CA2642511C (en) 2016-07-19
US20090119211A1 (en) 2009-05-07
US11244289B2 (en) 2022-02-08

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