MX2013014673A - Sistema y metodo de consulta de saldo multifactorial y transferencia electronica de fondos. - Google Patents

Sistema y metodo de consulta de saldo multifactorial y transferencia electronica de fondos.

Info

Publication number
MX2013014673A
MX2013014673A MX2013014673A MX2013014673A MX2013014673A MX 2013014673 A MX2013014673 A MX 2013014673A MX 2013014673 A MX2013014673 A MX 2013014673A MX 2013014673 A MX2013014673 A MX 2013014673A MX 2013014673 A MX2013014673 A MX 2013014673A
Authority
MX
Mexico
Prior art keywords
balance inquiry
financial account
balance
electronic funds
funds transfer
Prior art date
Application number
MX2013014673A
Other languages
English (en)
Other versions
MX353645B (es
Inventor
Shashi Kapur
Gary Palmer
Ralph A Bianco
Terry Dooley
Eric Means
Original Assignee
Adaptive Payments 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 Adaptive Payments Inc filed Critical Adaptive Payments Inc
Publication of MX2013014673A publication Critical patent/MX2013014673A/es
Publication of MX353645B publication Critical patent/MX353645B/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
    • G06Q20/322—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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Un sistema y método para procesar consultas de saldo y transferencias electrónicas de fondos (EF'T) utilizando autentificación multifactorial. El método puede incluir recibir un identificador de una cuenta financiera e información de contacto asociada con la cuenta financiera e iniciar una comunicación mediante la información de contacto. Al recibir una autentificación mediante la comunicación, el método puede incluir procesar una consulta de saldo y/o EFT de la cuenta financiera basándose en el identificador y la autentificación. El método puede incluir determinar un saldo de la cuenta financiera basándose en la consulta de saldo y/o hacer que los fondos sean transferidos electrónicamente. El sistema y método también pueden facilitar una consulta de saldo desde un dispositivo móvil hasta un proveedor de EFT.
MX2013014673A 2011-06-14 2012-06-13 Sistema y metodo de consulta de saldo multifactorial y transferencia electronica de fondos. MX353645B (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US13/159,936 US20120323762A1 (en) 2011-06-14 2011-06-14 System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer
PCT/US2012/042188 WO2012174071A2 (en) 2011-06-14 2012-06-13 System and method of multi-factor balance inquiry and electronic funds transfer

Publications (2)

Publication Number Publication Date
MX2013014673A true MX2013014673A (es) 2014-07-10
MX353645B MX353645B (es) 2018-01-22

Family

ID=47354482

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2013014673A MX353645B (es) 2011-06-14 2012-06-13 Sistema y metodo de consulta de saldo multifactorial y transferencia electronica de fondos.

Country Status (8)

Country Link
US (1) US20120323762A1 (es)
EP (1) EP2721569A4 (es)
KR (1) KR20140037213A (es)
CN (1) CN103999106A (es)
BR (1) BR112013032215A2 (es)
CA (1) CA2838983A1 (es)
MX (1) MX353645B (es)
WO (1) WO2012174071A2 (es)

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Also Published As

Publication number Publication date
WO2012174071A3 (en) 2014-05-08
CN103999106A (zh) 2014-08-20
US20120323762A1 (en) 2012-12-20
WO2012174071A2 (en) 2012-12-20
EP2721569A4 (en) 2016-07-20
BR112013032215A2 (pt) 2016-12-20
KR20140037213A (ko) 2014-03-26
EP2721569A2 (en) 2014-04-23
MX353645B (es) 2018-01-22
CA2838983A1 (en) 2012-12-20

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