SG11201602584YA - Transaction systems and associated methods for enchanced account balance and status management - Google Patents

Transaction systems and associated methods for enchanced account balance and status management

Info

Publication number
SG11201602584YA
SG11201602584YA SG11201602584YA SG11201602584YA SG11201602584YA SG 11201602584Y A SG11201602584Y A SG 11201602584YA SG 11201602584Y A SG11201602584Y A SG 11201602584YA SG 11201602584Y A SG11201602584Y A SG 11201602584YA SG 11201602584Y A SG11201602584Y A SG 11201602584YA
Authority
SG
Singapore
Prior art keywords
enchanced
account balance
status management
associated methods
transaction systems
Prior art date
Application number
SG11201602584YA
Other languages
English (en)
Inventor
James C Noe
Michael J Cowen
Jason Field
Sagitha George
David A Roberts
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 SG11201602584YA publication Critical patent/SG11201602584YA/en

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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/30—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
    • G06Q20/349—Rechargeable 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
    • G06Q20/02—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
    • G06Q20/02—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
    • G06Q20/22—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
    • G06Q20/352—Contactless payments by 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
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Marketing (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
SG11201602584YA 2013-10-02 2014-09-26 Transaction systems and associated methods for enchanced account balance and status management SG11201602584YA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB1317479.2A GB2518862A (en) 2013-10-02 2013-10-02 Transaction systems and associated methods for enhanced account balance and status management
PCT/GB2014/052920 WO2015049493A1 (fr) 2013-10-02 2014-09-26 Systèmes de transaction et procédés associés pour la gestion évoluée de solde de compte et d'état

Publications (1)

Publication Number Publication Date
SG11201602584YA true SG11201602584YA (en) 2016-04-28

Family

ID=49585211

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201602584YA SG11201602584YA (en) 2013-10-02 2014-09-26 Transaction systems and associated methods for enchanced account balance and status management

Country Status (10)

Country Link
US (1) US10049348B2 (fr)
EP (1) EP3053115A1 (fr)
CN (1) CN105849755A (fr)
AU (1) AU2014330898B2 (fr)
BR (1) BR112016007346A2 (fr)
GB (1) GB2518862A (fr)
MX (1) MX370932B (fr)
SG (1) SG11201602584YA (fr)
WO (1) WO2015049493A1 (fr)
ZA (1) ZA201800433B (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105931109A (zh) * 2015-09-18 2016-09-07 中国银联股份有限公司 一种实现账户余额更新的方法及装置
CN110033250B (zh) * 2019-03-08 2023-10-13 创新先进技术有限公司 减少单元化拆分部署记账耗时的方法和系统
CN111784330B (zh) * 2020-07-08 2024-03-15 上海乾臻信息科技有限公司 基于数据库的伪队列结算方法、系统及电子设备
CN112926971B (zh) * 2021-03-23 2023-03-21 支付宝（中国）网络技术有限公司 基于储值卡的支付方法及装置
CN113128792A (zh) * 2021-05-19 2021-07-16 中国银行股份有限公司 一种转账限额的设置方法及装置

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8346639B2 (en) 2007-02-28 2013-01-01 Visa U.S.A. Inc. Authentication of a data card using a transit verification value
US8118223B2 (en) * 2006-09-28 2012-02-21 Visa U.S.A. Inc. Smart sign mobile transit fare payment
US8523069B2 (en) * 2006-09-28 2013-09-03 Visa U.S.A. Inc. Mobile transit fare payment
US8042161B1 (en) 2006-11-22 2011-10-18 Symantec Corporation Automatic sharing of whitelist data
US7866551B2 (en) * 2007-02-15 2011-01-11 Visa U.S.A. Inc. Dynamic payment device characteristics
US8341084B2 (en) 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
CA2738029A1 (fr) * 2008-09-22 2010-03-25 Christian Aabye Gestion sans fil d'une application de paiement installee dans un dispositif mobile

Also Published As

Publication number Publication date
US10049348B2 (en) 2018-08-14
CN105849755A (zh) 2016-08-10
US20150095232A1 (en) 2015-04-02
AU2014330898A1 (en) 2016-04-21
AU2014330898B2 (en) 2017-05-25
WO2015049493A1 (fr) 2015-04-09
EP3053115A1 (fr) 2016-08-10
GB2518862A (en) 2015-04-08
MX370932B (es) 2020-01-09
ZA201800433B (en) 2019-07-31
GB201317479D0 (en) 2013-11-13
BR112016007346A2 (pt) 2017-08-01
MX2016004183A (es) 2017-01-26

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