MX2016003314A - Mobile payment system and method based on a single use token. - Google Patents

Mobile payment system and method based on a single use token.

Info

Publication number
MX2016003314A
MX2016003314A MX2016003314A MX2016003314A MX2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A
Authority
MX
Mexico
Prior art keywords
token
payment
business
payment system
mobile payment
Prior art date
Application number
MX2016003314A
Other languages
Spanish (es)
Inventor
Cristobal Pereda Granados Juan
Velasco Rodriguez Elena
Urbano Prada Carmen
Original Assignee
Pomo Posibilidades S A
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 filed Critical Pomo Posibilidades S A
Publication of MX2016003314A publication Critical patent/MX2016003314A/en

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)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (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)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a mobile payment system and method, said system comprising: a mobile device (4) having an application for generating tokens according to an item of temporal data that determines the expiration date of the token, a user password and a secret number stored in the mobile device; and a point-of-sale terminal (5) of a business (1), for receiving the token, user identification data and the amount of the purchase, and for sending (108) said information to a server (8). The server (8): accesses a user database (6) to validate the token and retrieve bank information to carry out the payment; accesses a business database (7) to retrieve bank information in order to credit the business (1); and sends the payment order to a payment gateway (9).
MX2016003314A 2013-09-13 2014-09-12 Mobile payment system and method based on a single use token. MX2016003314A (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ES201331331A ES2531386B1 (en) 2013-09-13 2013-09-13 System and method of payment via mobile device
PCT/ES2014/070695 WO2015036642A1 (en) 2013-09-13 2014-09-12 Mobile payment system and method based on a single use token

Publications (1)

Publication Number Publication Date
MX2016003314A true MX2016003314A (en) 2016-10-28

Family

ID=51842549

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2016003314A MX2016003314A (en) 2013-09-13 2014-09-12 Mobile payment system and method based on a single use token.

Country Status (5)

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

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12125054B2 (en) 2019-09-25 2024-10-22 Valideck International Corporation System, devices, and methods for acquiring and verifying online information

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020161708A1 (en) * 2001-02-01 2002-10-31 Gero Offer Method and apparatus for performing a cashless payment transaction
CN101048794A (en) * 2004-08-18 2007-10-03 万事达卡国际股份有限公司 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
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
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

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12125054B2 (en) 2019-09-25 2024-10-22 Valideck International Corporation System, devices, and methods for acquiring and verifying online information

Also Published As

Publication number Publication date
WO2015036642A1 (en) 2015-03-19
CL2016000603A1 (en) 2016-11-25
DOP2016000065A (en) 2016-06-30
ES2531386B1 (en) 2015-12-22
ES2531386A1 (en) 2015-03-13

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