MX337491B - Servicio de acceso a sistema de transferencia de dinero. - Google Patents

Servicio de acceso a sistema de transferencia de dinero.

Info

Publication number
MX337491B
MX337491B MX2013000603A MX2013000603A MX337491B MX 337491 B MX337491 B MX 337491B MX 2013000603 A MX2013000603 A MX 2013000603A MX 2013000603 A MX2013000603 A MX 2013000603A MX 337491 B MX337491 B MX 337491B
Authority
MX
Mexico
Prior art keywords
payment
end user
payment card
services provider
request
Prior art date
Application number
MX2013000603A
Other languages
English (en)
Other versions
MX2013000603A (es
Inventor
Patrick Killian
Sandeep Malhotra
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 MX2013000603A publication Critical patent/MX2013000603A/es
Publication of MX337491B publication Critical patent/MX337491B/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • 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

Abstract

Un método incluye recibir, en una computadora, una solicitud de transacción de un proveedor de servicios de pago; se transfiere un identificador de usuario final incluido en la solicitud a un número de cuenta de un sistema de tarjetas de pago; el identificador de usuario final identifica un usuario final a quien se le ha asignado la cuenta del sistema de tarjetas de pago y quien es suscritor al sistema de pago de circuito cerrado operado por el proveedor de servicios de pago; se acreditan los fondos del proveedor de servicios de pago a una cuenta virtual de tarjeta del sistema de circuito abierto, identificada por el número de cuenta del sistema de tarjetas de pago; una solicitud de autorización para una transacción en el sistema de circuito abierto es enviada a una institución financiera de adquiridores que representa a un negociante con quien está tratando el usuario final, y es recibida de vuelta de un sistema de autorización del sistema de tarjetas de pago por la misma computadora que recibió la solicitud de transacción del proveedor de servicios de pago y que generó la solicitud de autorización.
MX2013000603A 2010-07-16 2011-06-30 Servicio de acceso a sistema de transferencia de dinero. MX337491B (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US36493410P 2010-07-16 2010-07-16
US13/005,872 US20120016799A1 (en) 2010-07-16 2011-01-13 Money transfer system gateway service
PCT/US2011/042516 WO2012009165A1 (en) 2010-07-16 2011-06-30 Money transfer system gateway service

Publications (2)

Publication Number Publication Date
MX2013000603A MX2013000603A (es) 2013-06-05
MX337491B true MX337491B (es) 2016-03-08

Family

ID=45467700

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2013000603A MX337491B (es) 2010-07-16 2011-06-30 Servicio de acceso a sistema de transferencia de dinero.

Country Status (5)

Country Link
US (2) US20120016799A1 (es)
EP (1) EP2593913A4 (es)
BR (1) BR112013001042A2 (es)
MX (1) MX337491B (es)
WO (1) WO2012009165A1 (es)

Families Citing this family (43)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8016185B2 (en) * 2004-07-06 2011-09-13 Visa International Service Association Money transfer service with authentication
GB0901407D0 (en) * 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
AU2010282680A1 (en) * 2009-08-10 2012-03-08 Visa International Service Association Systems and methods for enrolling users in a payment service
US8924297B2 (en) * 2011-02-25 2014-12-30 Visa International Service Association Direct connection systems and methods
US20130006810A1 (en) * 2011-06-30 2013-01-03 Aurelio Elias Method and system for the execution of non-bank Third Party Services Transactions over Financial Networks through Electronic Terminals utilizing a Non-Depository Virtual Account Management System
US9830596B2 (en) * 2011-11-01 2017-11-28 Stripe, Inc. Method for conducting a transaction between a merchant site and a customer's electronic device without exposing payment information to a server-side application of the merchant site
CA3204698A1 (en) * 2012-03-19 2013-09-26 Fidelity Information Services, Llc Systems and methods for real-time account access
US10535064B2 (en) 2012-03-19 2020-01-14 Paynet Payments Network, Llc Systems and methods for real-time account access
US20130282581A1 (en) * 2012-04-18 2013-10-24 Infosys Limited Mobile device-based cardless financial transactions
US8639619B1 (en) 2012-07-13 2014-01-28 Scvngr, Inc. Secure payment method and system
US10096020B2 (en) * 2012-08-30 2018-10-09 Worldpay, Llc Combination payment card and methods thereof
US20160155112A1 (en) * 2012-10-10 2016-06-02 Mastercard International Incorporated Barcode-triggered payment method and system
US20140214649A1 (en) * 2013-01-25 2014-07-31 Brian J. DuCharme Pay to any account service
US8770478B2 (en) 2013-07-11 2014-07-08 Scvngr, Inc. Payment processing with automatic no-touch mode selection
AU2014256396B2 (en) * 2013-11-15 2020-08-20 Fidelity Information Services, Llc Systems and methods for real-time account access
CN105450583B (zh) 2014-07-03 2019-07-05 阿里巴巴集团控股有限公司 一种信息认证的方法及装置
CN105446992A (zh) 2014-07-08 2016-03-30 阿里巴巴集团控股有限公司 建立商品对象回收信息数据库、确定价值信息方法及装置
CN105450411B (zh) 2014-08-14 2019-01-08 阿里巴巴集团控股有限公司 利用卡片特征进行身份验证的方法、装置及系统
CN105719183A (zh) 2014-12-03 2016-06-29 阿里巴巴集团控股有限公司 定向转账方法及其装置
CN105869043A (zh) * 2015-01-19 2016-08-17 阿里巴巴集团控股有限公司 分散热点的数据库账户转入、转出的记账方法及装置
CN105989467A (zh) 2015-02-03 2016-10-05 阿里巴巴集团控股有限公司 无线支付方法与装置及交通工具乘坐费检验方法与系统
US11636462B2 (en) 2015-03-20 2023-04-25 Block, Inc. Context-aware peer-to-peer transfers of items
US10410194B1 (en) 2015-08-19 2019-09-10 Square, Inc. Customized tipping flow
CN106570009B (zh) 2015-10-09 2020-07-28 阿里巴巴集团控股有限公司 导航类目更新方法及装置
US20170236102A1 (en) * 2016-02-12 2017-08-17 D+H Usa Corporation Peer-to-Peer Financial Transactions Using A Private Distributed Ledger
CN106127568A (zh) * 2016-06-15 2016-11-16 中国人民银行清算总中心 跨行支付系统的清算业务队列解救方法及装置
CN109313754A (zh) * 2016-06-15 2019-02-05 万事达卡国际公司 使用别名向受益方账户推送支付的系统和方法
SG10201609847PA (en) * 2016-11-23 2018-06-28 Mastercard International Inc System And Method For Processing Payment
EP3340143A1 (en) * 2016-12-22 2018-06-27 Mastercard International Incorporated Configuring a transaction device
US10645175B2 (en) * 2017-03-30 2020-05-05 Cameros Bay Capital, LLC Proxy device for routing electronic messages
US11042852B1 (en) * 2017-06-23 2021-06-22 Wells Fargo Bank, N.A. Sender authenticated remittance via an automatic teller machine
US20190197506A1 (en) * 2017-09-14 2019-06-27 Robert Jay McShirley Merchant service for real-time settlement apparatus and method
CN108734371A (zh) 2018-02-12 2018-11-02 阿里巴巴集团控股有限公司 一种针对风控指令的处理方法、装置及设备
CN108632348B (zh) 2018-03-19 2020-02-18 阿里巴巴集团控股有限公司 一种业务校验方法和装置
US11361284B1 (en) 2018-05-31 2022-06-14 Stripe, Inc. Payment processing method and apparatus using an intermediary platform
US11244322B2 (en) * 2018-09-18 2022-02-08 Mastercard International Incorporated Methods and apparatus for chargebacks of push payment transactions
US20220141180A1 (en) * 2018-12-21 2022-05-05 Visa International Service Association Method for processing via conditional authorization
US11196737B2 (en) 2019-04-30 2021-12-07 Bank Of America Corporation System for secondary authentication via contactless distribution of dynamic resources
US11234235B2 (en) 2019-04-30 2022-01-25 Bank Of America Corporation Resource distribution hub generation on a mobile device
US10998937B2 (en) 2019-04-30 2021-05-04 Bank Of America Corporation Embedded tag for resource distribution
US11620586B2 (en) 2020-04-07 2023-04-04 United Airlines, Inc. Offline authorization of airline ticketing requests
US11509481B2 (en) * 2020-07-01 2022-11-22 Visa International Service Association Token processing with selective de-tokenization for proximity based access device interactions
US11663563B2 (en) * 2020-07-07 2023-05-30 Mastercard International Incorporated Methods and systems of providing interoperability between incompatible payment systems

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070022375A1 (en) 2000-10-19 2007-01-25 David Walker Apparatus, system, and method for an electronic payment system
US7292999B2 (en) * 2001-03-15 2007-11-06 American Express Travel Related Services Company, Inc. Online card present transaction
US20070214080A1 (en) * 2006-02-28 2007-09-13 Rene Pierre Babi Intermediary payment system and method
US20070203832A1 (en) * 2006-02-28 2007-08-30 Rene Pierre Babi Intermediary payment system and method for gaming
US8510223B2 (en) * 2006-08-03 2013-08-13 The Western Union Company Money transfer transactions via pre-paid wireless communication devices
US8762211B2 (en) * 2007-10-03 2014-06-24 Mastercard International Incorporated System for personalized payments via mobile devices
US8046268B2 (en) * 2008-07-14 2011-10-25 Shop Ma, Inc. Multi-merchant payment system
US8152060B2 (en) * 2009-02-09 2012-04-10 Giftcards.Com, Llc System and method for processing closed loop cards and codes

Also Published As

Publication number Publication date
WO2012009165A1 (en) 2012-01-19
US9767442B2 (en) 2017-09-19
MX2013000603A (es) 2013-06-05
US20150066756A1 (en) 2015-03-05
BR112013001042A2 (pt) 2020-08-25
EP2593913A1 (en) 2013-05-22
EP2593913A4 (en) 2014-03-05
US20120016799A1 (en) 2012-01-19

Similar Documents

Publication Publication Date Title
MX337491B (es) Servicio de acceso a sistema de transferencia de dinero.
WO2009137789A3 (en) Communication device including multi-part alias identifier
MX365511B (es) Metodo para controlar un sistema de comunicacion.
WO2009124204A3 (en) Third-party methods and systems for managing merchant validation screening
MX2018005736A (es) Metodo y sistema para liquidacion bruta mediante el uso de una cadena de bloques opaca.
NZ606895A (en) Systems and methods for the payment of customer bills utilizing payment platform of biller
GB2491076A (en) System and method for transaction payments using a mobile device
WO2009095795A3 (en) Method, device, and system for completing on-line financial transactions
WO2012103413A3 (en) Merchant payment system and method for mobile phones
WO2010091238A3 (en) Push payment system and method including billing file exchange
GB2490466A (en) Transferring funds using mobile devices
JP2014508978A5 (es)
GB2468817A (en) System and method for data completion including push identifier
MX362174B (es) Sistemas y metodos para el acceso a cuentas en tiempo real.
GB2516590A8 (en) Mobile payment via a virtual peripheral device
WO2008092010A3 (en) Payer direct hub
WO2008061151A3 (en) Mobile-to-mobile payment system and method
WO2010117567A3 (en) Virtual terminal for mobile devices
SG160388A1 (en) Payment card based remittance system with delivery of anti-money laundering information to originating financial institution
MY180889A (en) Systems and methods of direct bank transfer
WO2013055805A3 (en) Method and system for enabling use of loyalty program points as form of payment
AU2015362862A8 (en) System and method for providing emergency prepaid card
MX2018001892A (es) Metodo y sistemas para creditos en una red social.
KR20160103726A (ko) 가상 화폐를 통한 국가간 대금 지급 관리 시스템
WO2014043283A8 (en) Self-reconciled multi-part transaction

Legal Events

Date Code Title Description
FG Grant or registration