MX2017002595A - Sistema y metodo para pagos electronicos. - Google Patents
Sistema y metodo para pagos electronicos.Info
- Publication number
- MX2017002595A MX2017002595A MX2017002595A MX2017002595A MX2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A
- Authority
- MX
- Mexico
- Prior art keywords
- transaction
- token
- responder
- initiator
- server system
- Prior art date
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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
-
- 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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/38—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
-
- 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
- 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]
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Se describe un sistema y un método para llevar a cabo transacciones electrónicas de pago entre iniciadores de transacciones y respondedores de transacciones. El sistema comprende un sistema de servidor en comunicación con la infraestructura transaccional de los iniciadores de transacciones y los respondedores de transacciones, y permite que un iniciador de transacciones inicie una transacción mediante el envío de una solicitud de inicio de transacción al sistema de servidor, que a su vez genera un primer token independiente del respondedor que representa la transacción. El primer token entonces se almacena y se comunica con la infraestructura transaccional del iniciador de transacciones, desde donde se comunica con el respondedor de transacciones. El respondedor de transacciones a su vez transmite una solicitud de respuesta, la cual incluye el primer token, al sistema de servidor, por medio de un canal independiente, en donde se extrae el token y se compara con el token generado originalmente. Si se comprueba que los tokens corresponden, se completa la transacción entre el iniciador y el respondedor.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
ZA201406362 | 2014-08-29 | ||
PCT/IB2015/056537 WO2016030862A1 (en) | 2014-08-29 | 2015-08-28 | System and method for electronic payments |
Publications (1)
Publication Number | Publication Date |
---|---|
MX2017002595A true MX2017002595A (es) | 2017-10-11 |
Family
ID=55398838
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
MX2017002595A MX2017002595A (es) | 2014-08-29 | 2015-08-28 | Sistema y metodo para pagos electronicos. |
Country Status (11)
Country | Link |
---|---|
US (1) | US20170255908A1 (es) |
EP (1) | EP3186762A4 (es) |
KR (1) | KR20170058950A (es) |
CN (1) | CN106716469A (es) |
AP (1) | AP2017009835A0 (es) |
AU (1) | AU2015308090B2 (es) |
BR (1) | BR112017003991A2 (es) |
MX (1) | MX2017002595A (es) |
SG (1) | SG11201701510WA (es) |
WO (1) | WO2016030862A1 (es) |
ZA (1) | ZA201701874B (es) |
Families Citing this family (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10311413B2 (en) | 2015-07-01 | 2019-06-04 | Mastercard International Incorporated | By-item bill payments |
US10535067B2 (en) | 2015-07-01 | 2020-01-14 | Mastercard International Incorporated | Electronic incremental payments |
US10621567B2 (en) | 2015-07-01 | 2020-04-14 | Mastercard International Incorporation | Electronic grace period billing |
SG10201605789VA (en) * | 2016-07-14 | 2018-02-27 | Mastercard International Inc | Methods and systems for securing a payment initiated by a payee |
US11023897B1 (en) * | 2017-12-05 | 2021-06-01 | Worldpay, Llc | Systems and methods for optimizing transaction conversion rate using measured feedback |
US20200097931A1 (en) * | 2018-09-21 | 2020-03-26 | Mastercard International Incorporated | Payment transaction process employing invoice token |
CN110569408B (zh) * | 2019-09-04 | 2022-03-11 | 广州大学 | 一种数字货币溯源方法及系统 |
CN111242594B (zh) * | 2020-01-13 | 2021-11-16 | 支付宝实验室(新加坡)有限公司 | 跨地域离线支付的注册、付款方法和装置 |
Family Cites Families (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6957199B1 (en) * | 2000-08-30 | 2005-10-18 | Douglas Fisher | Method, system and service for conducting authenticated business transactions |
CN1186741C (zh) * | 2002-08-19 | 2005-01-26 | 中国科学院计算技术研究所 | 交互式的多功能数字身份令牌装置 |
US20060235795A1 (en) * | 2005-04-19 | 2006-10-19 | Microsoft Corporation | Secure network commercial transactions |
US8838503B2 (en) * | 2008-12-08 | 2014-09-16 | Ebay Inc. | Unified identity verification |
AU2013205575A1 (en) * | 2008-12-31 | 2013-05-16 | Paypal, Inc. | Unified identity verification |
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 |
US20140372319A1 (en) * | 2011-09-28 | 2014-12-18 | Lionel Wolovitz | Methods and apparatus for brokering a transaction |
US20140297533A1 (en) * | 2011-11-13 | 2014-10-02 | Millind Mittal | System and method of electronic payment using payee provided transaction identification codes |
US20130238503A1 (en) * | 2012-02-29 | 2013-09-12 | Upen Patel | System and method to manage information for conducting secure transactions |
CN102663586B (zh) * | 2012-03-21 | 2016-07-06 | 华为技术有限公司 | 一种通过两个移动终端完成支付的方法 |
US20140310171A1 (en) * | 2013-04-12 | 2014-10-16 | Bank Of America Corporation | Certified person-to-person payment system |
CN105556553B (zh) * | 2013-07-15 | 2020-10-16 | 维萨国际服务协会 | 安全的远程支付交易处理 |
CN103854173A (zh) * | 2014-03-28 | 2014-06-11 | 紫光股份有限公司 | 一种用于现场购物的移动支付方法 |
CN103985038A (zh) * | 2014-04-16 | 2014-08-13 | 深圳市亚略特生物识别科技有限公司 | 基于指纹识别的移动终端的支付方法 |
-
2015
- 2015-08-28 US US15/507,078 patent/US20170255908A1/en not_active Abandoned
- 2015-08-28 WO PCT/IB2015/056537 patent/WO2016030862A1/en active Application Filing
- 2015-08-28 AU AU2015308090A patent/AU2015308090B2/en active Active
- 2015-08-28 EP EP15836443.0A patent/EP3186762A4/en active Pending
- 2015-08-28 SG SG11201701510WA patent/SG11201701510WA/en unknown
- 2015-08-28 CN CN201580052184.9A patent/CN106716469A/zh active Pending
- 2015-08-28 MX MX2017002595A patent/MX2017002595A/es unknown
- 2015-08-28 KR KR1020177008480A patent/KR20170058950A/ko unknown
- 2015-08-28 AP AP2017009835A patent/AP2017009835A0/en unknown
- 2015-08-28 BR BR112017003991A patent/BR112017003991A2/pt not_active Application Discontinuation
-
2017
- 2017-03-16 ZA ZA2017/01874A patent/ZA201701874B/en unknown
Also Published As
Publication number | Publication date |
---|---|
CN106716469A (zh) | 2017-05-24 |
AU2015308090B2 (en) | 2018-03-29 |
KR20170058950A (ko) | 2017-05-29 |
WO2016030862A1 (en) | 2016-03-03 |
AU2015308090A1 (en) | 2017-04-13 |
EP3186762A4 (en) | 2017-07-26 |
SG11201701510WA (en) | 2017-03-30 |
ZA201701874B (en) | 2019-06-26 |
AP2017009835A0 (en) | 2017-03-31 |
BR112017003991A2 (pt) | 2018-02-20 |
EP3186762A1 (en) | 2017-07-05 |
US20170255908A1 (en) | 2017-09-07 |
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