MXPA02007852A - Metodo y sistema para activacion de cuenta. - Google Patents

Metodo y sistema para activacion de cuenta.

Info

Publication number
MXPA02007852A
MXPA02007852A MXPA02007852A MXPA02007852A MXPA02007852A MX PA02007852 A MXPA02007852 A MX PA02007852A MX PA02007852 A MXPA02007852 A MX PA02007852A MX PA02007852 A MXPA02007852 A MX PA02007852A MX PA02007852 A MXPA02007852 A MX PA02007852A
Authority
MX
Mexico
Prior art keywords
account
response code
pos terminal
denial response
insurer
Prior art date
Application number
MXPA02007852A
Other languages
English (en)
Inventor
Dennis W Bodman
Original Assignee
Mas Inco Corp
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 Mas Inco Corp filed Critical Mas Inco Corp
Publication of MXPA02007852A publication Critical patent/MXPA02007852A/es

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3558—Preliminary personalisation for transfer to user
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

La presente invencion comprende un metodo para activar una cuenta prepagada utilizando una red de transferencia de fondos electronica existente la cual incluye una terminal de punto de venta (POS) (12), infraestructura de procesamiento de tarjeta de debito/credito (30) y un centro de autorizacion de asegurador de cuenta (40); el metodo comprende los pasos de: obtener datos de identificacion referentes a la cuenta que sera activada en la terminal de POS (202); enviar un mensaje de solicitud de activacion que incluye, los datos obtenidos, de la terminal de POS a traves de la infraestructura de procesamiento de tarjeta, hacia el centro de procesamiento de autorizacion de emisor de cuenta (206); recibir el mensaje de solicitud de activacion en el centro de procesamiento de autorizacion de asegurador de cuenta (210), decidir activar o no la cuenta y generar un codigo de negacion/respuesta con base en la decision de activacion, el codigo de negacion/respuesta no da como resultado la transferencia de ningun fondo (212); enviar el codigo de negaciordrespuesta del centro de procesamiento de autorizacion de asegurador de cuenta, a traves de la infraestructura de procesamiento de tarjeta a la terminal de POS (214); y recibir el codigo de negacion/respuesta en la terminal de POS, decodificar el codigo de negacionhespuesta y confirmar en la terminal de POS, el estado de activacion de la cuenta (218); en una modalidad preferida, la cuenta que es activada es una tarjeta, tal como una tarjeta prepagada.
MXPA02007852A 2000-02-14 2001-02-12 Metodo y sistema para activacion de cuenta. MXPA02007852A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US18217100P 2000-02-14 2000-02-14
PCT/US2001/040085 WO2001059597A1 (en) 2000-02-14 2001-02-12 Method and system for account activation

Publications (1)

Publication Number Publication Date
MXPA02007852A true MXPA02007852A (es) 2004-09-10

Family

ID=22667331

Family Applications (1)

Application Number Title Priority Date Filing Date
MXPA02007852A MXPA02007852A (es) 2000-02-14 2001-02-12 Metodo y sistema para activacion de cuenta.

Country Status (5)

Country Link
US (2) US6612487B2 (es)
AU (1) AU2001257572A1 (es)
CA (1) CA2400066C (es)
MX (1) MXPA02007852A (es)
WO (1) WO2001059597A1 (es)

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US6837426B2 (en) 2005-01-04
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US6612487B2 (en) 2003-09-02

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