MX2017015821A - Sistemas y metodos para extender credito a empresas pequeñas/medianas. - Google Patents

Sistemas y metodos para extender credito a empresas pequeñas/medianas.

Info

Publication number
MX2017015821A
MX2017015821A MX2017015821A MX2017015821A MX2017015821A MX 2017015821 A MX2017015821 A MX 2017015821A MX 2017015821 A MX2017015821 A MX 2017015821A MX 2017015821 A MX2017015821 A MX 2017015821A MX 2017015821 A MX2017015821 A MX 2017015821A
Authority
MX
Mexico
Prior art keywords
credit
systems
medium
methods
small
Prior art date
Application number
MX2017015821A
Other languages
English (en)
Inventor
BHAGAT Deepankar
Denis Mccarthy Michael
Lukas Ekselius Erik
N Savoye Mark
Original Assignee
Mastercard International 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 Mastercard International Inc filed Critical Mastercard International Inc
Publication of MX2017015821A publication Critical patent/MX2017015821A/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
    • 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
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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]
    • G06Q20/3223—Realising banking transactions 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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

Abstract

Una cuenta de crédito se establece para un comerciante. Un límite de crédito variable se establece para la cuenta de crédito. Se recibe una indicación de que el comerciante ha aceptado una transacción de cuenta de pago que es cargada a una cuenta de pago del cliente. Una cantidad de la transacción puede ser asociada con la transacción de cuenta de pago. La indicación también puede señalar que la transacción de cuenta de pago ha sido autorizada por un emisor de la cuenta de pago del cliente. Puede haber una respuesta en tiempo real a la indicación al incrementar instantáneamente el límite de crédito variable para la cuenta de crédito del comerciante por una cantidad que corresponde a la cantidad de la transacción.
MX2017015821A 2015-06-10 2016-05-25 Sistemas y metodos para extender credito a empresas pequeñas/medianas. MX2017015821A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/735,763 US20160364795A1 (en) 2015-06-10 2015-06-10 Systems and methods for extending credit to small/medium-sized enterprises
PCT/US2016/034034 WO2016200609A1 (en) 2015-06-10 2016-05-25 Systems and methods for extending credit to small/medium-sized enterprises

Publications (1)

Publication Number Publication Date
MX2017015821A true MX2017015821A (es) 2018-04-30

Family

ID=57504312

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2017015821A MX2017015821A (es) 2015-06-10 2016-05-25 Sistemas y metodos para extender credito a empresas pequeñas/medianas.

Country Status (6)

Country Link
US (1) US20160364795A1 (es)
EP (1) EP3308337A4 (es)
CN (1) CN107615319A (es)
BR (1) BR112017025206A2 (es)
MX (1) MX2017015821A (es)
WO (1) WO2016200609A1 (es)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20170018029A1 (en) * 2015-07-16 2017-01-19 Moneygram International, Inc. Systems and methods for utilizing a money transfer network to facilitate lending
JP6166834B1 (ja) * 2016-12-27 2017-07-19 ヤフー株式会社 判定装置、判定方法及び判定プログラム
US11367070B2 (en) * 2017-09-19 2022-06-21 The Toronto-Dominion Bank System and method for provisioning a data transfer application
US11688003B2 (en) * 2017-09-19 2023-06-27 The Toronto-Dominion Bank System and method for integrated application and provisioning
US11514424B2 (en) * 2017-09-19 2022-11-29 The Toronto-Dominion Bank System and method for integrated application and provisioning
US11227354B2 (en) 2019-05-20 2022-01-18 The Toronto-Dominion Bank Integration of workflow with digital ID
US11367059B2 (en) 2019-10-31 2022-06-21 The Toronto-Dominion Bank Integrated credit application and merchant transaction including concurrent visualization of transaction details

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002007918A (ja) * 2000-06-23 2002-01-11 Akesesu:Kk 決済処理方法
KR100353775B1 (ko) * 2001-07-27 2002-09-28 이민수 매출액을 신용대출 한도와 연계한 신용카드 서비스 시스템및 그 방법
JP2005208874A (ja) * 2004-01-22 2005-08-04 Dainippon Printing Co Ltd 子カードを利用した店舗代金精算方法
US7481364B2 (en) * 2005-03-24 2009-01-27 Privaris, Inc. Biometric identification device with smartcard capabilities
JP4586051B2 (ja) * 2007-08-03 2010-11-24 株式会社日立ハイテクノロジーズ 走査型電子顕微鏡
JP2009252080A (ja) * 2008-04-09 2009-10-29 Oki Electric Ind Co Ltd クレジット決済管理装置、クレジット決済管理システム、および方法、並びにプログラム
US20090327107A1 (en) * 2008-06-30 2009-12-31 Raghav Lal Consumer spending threshold evaluation
US8429048B2 (en) * 2009-12-28 2013-04-23 Visa International Service Association System and method for processing payment transaction receipts
US20130191279A1 (en) * 2012-01-20 2013-07-25 Bank Of America Corporation Mobile device with rewritable general purpose card
US9129278B2 (en) * 2012-03-30 2015-09-08 Intuit Inc. Pre-allocating merchant ID in a credit card processor entity system by a master merchant
CN104680361B (zh) * 2015-02-05 2018-05-15 王钧 一种基于第三方平台的取现方法和系统

Also Published As

Publication number Publication date
CN107615319A (zh) 2018-01-19
EP3308337A1 (en) 2018-04-18
US20160364795A1 (en) 2016-12-15
BR112017025206A2 (pt) 2018-08-07
WO2016200609A1 (en) 2016-12-15
EP3308337A4 (en) 2018-12-19

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