MX2009011631A - Sistema y metodo para realizar transferencias de fondos de persona a persona via comunicaciones inalambricas. - Google Patents

Sistema y metodo para realizar transferencias de fondos de persona a persona via comunicaciones inalambricas.

Info

Publication number
MX2009011631A
MX2009011631A MX2009011631A MX2009011631A MX2009011631A MX 2009011631 A MX2009011631 A MX 2009011631A MX 2009011631 A MX2009011631 A MX 2009011631A MX 2009011631 A MX2009011631 A MX 2009011631A MX 2009011631 A MX2009011631 A MX 2009011631A
Authority
MX
Mexico
Prior art keywords
buyer
processor
person
financial account
account held
Prior art date
Application number
MX2009011631A
Other languages
English (en)
Inventor
Blayn W Beenau
Jessica U Jones
Lee J Peart
Original Assignee
American Express Travel Relate
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 American Express Travel Relate filed Critical American Express Travel Relate
Publication of MX2009011631A publication Critical patent/MX2009011631A/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
    • 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
    • G06Q20/326—Payment applications installed on the mobile 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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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]
    • 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
    • G06Q20/3278—RFID or NFC payments by means of 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)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La presente invención se refiere a un sistema de transferencia de fondos que incluye un procesador y una lógica de control de almacenamiento de memoria para causar que el procesador haga posible que un comprador transfiera fondos a un vendedor vía un teléfono móvil. La lógica de control incluye código de programa para causar que el procesador reciba una solicitud de pago transmitida desde un teléfono móvil del comprador. La solicitud de pago es para una transferencia de fondos de una cuenta financiera poseída por el comprador a una cuenta financiera poseída por el vendedor, y la solicitud de pago se transmite desde una aplicación de pago almacenada en el teléfono móvil del comprador. La solicitud de pago identifica una cantidad de compra que se transfiere, e información que identifica la cuenta financiera poseída por el comprador. La lógica de control también incluye código de programa para causar que el procesador cargue la cantidad de compra a la cuenta financiera poseída por el comprador y transfiera la cantidad de compra a una cuenta financiera poseída por el vendedor. Adicionalmente, la lógica de control incluye código de programa para causar que el procesador proporcione un reconocimiento de pago al teléfono móvil del comprador y al vendedor.
MX2009011631A 2007-04-27 2008-04-21 Sistema y metodo para realizar transferencias de fondos de persona a persona via comunicaciones inalambricas. MX2009011631A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/741,170 US8688570B2 (en) 2007-04-27 2007-04-27 System and method for performing person-to-person funds transfers via wireless communications
PCT/US2008/060970 WO2008134275A1 (en) 2007-04-27 2008-04-21 System and method for performing person-to-person funds transfers via wireless communications

Publications (1)

Publication Number Publication Date
MX2009011631A true MX2009011631A (es) 2009-11-10

Family

ID=39888159

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2009011631A MX2009011631A (es) 2007-04-27 2008-04-21 Sistema y metodo para realizar transferencias de fondos de persona a persona via comunicaciones inalambricas.

Country Status (6)

Country Link
US (4) US8688570B2 (es)
EP (1) EP2156394A4 (es)
AU (1) AU2008245878B2 (es)
CA (1) CA2685459C (es)
MX (1) MX2009011631A (es)
WO (1) WO2008134275A1 (es)

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CA2685459C (en) 2017-08-22
US20190156308A1 (en) 2019-05-23
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US20240013171A1 (en) 2024-01-11
US8688570B2 (en) 2014-04-01
WO2008134275A1 (en) 2008-11-06
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