MXPA04001796A - Sistema y metodo de transaccion financiera usando mensajeria electronica. - Google Patents

Sistema y metodo de transaccion financiera usando mensajeria electronica.

Info

Publication number
MXPA04001796A
MXPA04001796A MXPA04001796A MXPA04001796A MXPA04001796A MX PA04001796 A MXPA04001796 A MX PA04001796A MX PA04001796 A MXPA04001796 A MX PA04001796A MX PA04001796 A MXPA04001796 A MX PA04001796A MX PA04001796 A MXPA04001796 A MX PA04001796A
Authority
MX
Mexico
Prior art keywords
electronic messaging
facility
banking account
party
server
Prior art date
Application number
MXPA04001796A
Other languages
English (en)
Inventor
Mendiola Dennis
Original Assignee
Paysetter Pte Ltd
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 Paysetter Pte Ltd filed Critical Paysetter Pte Ltd
Publication of MXPA04001796A publication Critical patent/MXPA04001796A/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
    • G07F7/10—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
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q50/40—
    • 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
    • G07F7/1025—Identification of user by a PIN code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2101/00—Indexing scheme associated with group H04L61/00
    • H04L2101/60—Types of network addresses
    • H04L2101/618—Details of network addresses
    • H04L2101/663—Transport layer addresses, e.g. aspects of transmission control protocol [TCP] or user datagram protocol [UDP] ports
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L61/00—Network arrangements, protocols or services for addressing or naming

Abstract

Un metodo y un sistema para realizar transacciones financieras entre partes que tengan clientes (15a, 15b) con una instalacion para mensajeria electronica y un servicio de cuenta bancaria con una institucion financiera. Donde cada parte tiene una direccion de mensajeria electronica (CIN, por sus siglas en ingles) asociada con el la instalacion para mensajeria electronica y un numero de cuenta bancaria (CAN, por sus siglas en ingles) asociado con el servicio de cuenta bancaria (27) del mismo. Un servidor del proveedor del servicio financiero (13) se interconecta con la instalacion para mensajeria electronica para manejar las comunicaciones entre los clientes (15a, 15b) de las partes y tambien se interconecta con los servicios de cuentas bancarias (27) de las partes para realizar la transaccion financiera. La direccion de mensajeria electronica (CIN) de cada parte se enlaza con el servicio de cuentas bancarias del mismo, y de este modo el (los) numero(s) de cuenta(s) bancaria(s) (CAN) del mismo, dentro de una base de datos (45) asociada con el servidor (13) para facilitar la transaccion financiera. El servidor (13) realiza un proceso de autenticacion dentro de una y/o la otra parte usando la instalacion para mensajeria electronica requiriendo la confirmacion de un PIN tambien almacenado en la base de datos (45). El proceso de autenticacion es caracterizado por el servidor (13) proporcionado al cliente (15a) de la parte uno provocando la transaccion financiera con una direccion de mensajeria electronica diferente para "responder" cuando se solicite el PIN, de la direccion de mensajeria electronica original del servidor (13) usado por la misma parte para iniciar la transaccion financiera, para ampliar la seguridad de la transaccion.
MXPA04001796A 2001-08-31 2002-08-01 Sistema y metodo de transaccion financiera usando mensajeria electronica. MXPA04001796A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200105268 2001-08-31
PCT/SG2002/000172 WO2003019445A1 (en) 2001-08-31 2002-08-01 Financial transaction system and method using electronic messaging

Publications (1)

Publication Number Publication Date
MXPA04001796A true MXPA04001796A (es) 2005-03-07

Family

ID=20430823

Family Applications (1)

Application Number Title Priority Date Filing Date
MXPA04001796A MXPA04001796A (es) 2001-08-31 2002-08-01 Sistema y metodo de transaccion financiera usando mensajeria electronica.

Country Status (14)

Country Link
US (1) US20050044042A1 (es)
EP (1) EP1433103A1 (es)
JP (1) JP2005527871A (es)
KR (1) KR20040037074A (es)
CN (1) CN1578962A (es)
BR (1) BR0212627A (es)
CA (1) CA2458088A1 (es)
FI (1) FI20045047A (es)
GB (1) GB2395044B (es)
IL (1) IL160579A0 (es)
MX (1) MXPA04001796A (es)
RU (1) RU2004109577A (es)
SE (1) SE0400438L (es)
WO (1) WO2003019445A1 (es)

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US20050044042A1 (en) 2005-02-24
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JP2005527871A (ja) 2005-09-15
CN1578962A (zh) 2005-02-09
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IL160579A0 (en) 2004-07-25
BR0212627A (pt) 2004-08-17

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