[go: up one dir, main page]

MX2015015914A - Metodo y sistema para tarjeta de pago hibrida habilitada para transporte. - Google Patents

Metodo y sistema para tarjeta de pago hibrida habilitada para transporte.

Info

Publication number
MX2015015914A
MX2015015914A MX2015015914A MX2015015914A MX2015015914A MX 2015015914 A MX2015015914 A MX 2015015914A MX 2015015914 A MX2015015914 A MX 2015015914A MX 2015015914 A MX2015015914 A MX 2015015914A MX 2015015914 A MX2015015914 A MX 2015015914A
Authority
MX
Mexico
Prior art keywords
validation
transaction
prepaid balance
transaction amount
payment card
Prior art date
Application number
MX2015015914A
Other languages
English (en)
Other versions
MX363933B (es
Inventor
Marina Acosta
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 MX2015015914A publication Critical patent/MX2015015914A/es
Publication of MX363933B publication Critical patent/MX363933B/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un método para procesar una transacción de pago utilizando una tarjeta de pago híbrida incluye: almacenar, un perfil de cuenta, el perfil incluye datos relacionados con una tarjeta de pago híbrida que incluye un saldo de prepago y una asignación de crédito, recibir una solicitud de validación, la solicitud incluye una cantidad de transacción; procesar, la solicitud de validación recibida, el procesamiento incluye: generar una respuesta de validación positiva y una transacción de validación que indique que se hace el pago utilizando el saldo de prepago si el saldo de prepago es mayor que la cantidad de transacción, generar una respuesta de validación positiva y una transacción de validación que indique que se hace el pago utilizando la asignación de crédito si el saldo de prepago es menor que la cantidad de transacción y si la asignación de crédito es mayor que la cantidad de transacción, y generar una respuesta de validación negativa si el saldo de prepago y la asignación de crédito son menores que la cantidad de transacción; y transmitir la respuesta de validación generada.
MX2015015914A 2014-11-26 2015-11-18 Metodo y sistema para tarjeta de pago hibrida habilitada para transporte. MX363933B (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US14/554,540 US10210509B2 (en) 2014-11-26 2014-11-26 Method and system for hybrid transportation-enabled payment card

Publications (2)

Publication Number Publication Date
MX2015015914A true MX2015015914A (es) 2016-05-26
MX363933B MX363933B (es) 2019-04-08

Family

ID=54705118

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2015015914A MX363933B (es) 2014-11-26 2015-11-18 Metodo y sistema para tarjeta de pago hibrida habilitada para transporte.

Country Status (10)

Country Link
US (1) US10210509B2 (es)
EP (1) EP3026619A1 (es)
AR (1) AR102772A1 (es)
CL (1) CL2015003457A1 (es)
HK (1) HK1225484A1 (es)
MX (1) MX363933B (es)
PE (1) PE20170754A1 (es)
SA (1) SA115370095B1 (es)
UY (1) UY36409A (es)
WO (1) WO2016085603A1 (es)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10210509B2 (en) 2014-11-26 2019-02-19 Mastercard International Incorporated Method and system for hybrid transportation-enabled payment card
CN108604346B (zh) * 2016-10-31 2022-05-10 华为技术有限公司 一种交易方法、支付设备、验证设备和服务器
US11544781B2 (en) 2017-12-23 2023-01-03 Mastercard International Incorporated Leveraging a network “positive card” list to inform risk management decisions
US20200027084A1 (en) * 2018-07-23 2020-01-23 Mastercard International Incorporated Method and System for Hybrid Payment Authorization
US20230059546A1 (en) * 2021-08-17 2023-02-23 Mastercard Asia/Pacific Pte. Ltd. Access Control System
US12536538B2 (en) 2021-09-21 2026-01-27 Mastercard Asia/Pacific Pte. Ltd. Method and system for payment device-based access
CN114219494A (zh) * 2021-12-07 2022-03-22 中信银行股份有限公司 一种重复型支付指令验证方法及系统
CN114881770A (zh) * 2022-05-31 2022-08-09 中国银行股份有限公司 基于区块链的交易数据处理方法、装置和服务器

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020021488A (ko) 2000-09-15 2002-03-21 이경우 직불 겸용 방식의 신용 카드 결제 시스템 및 방법
US20070136194A1 (en) * 2005-12-14 2007-06-14 David Sloan Hybrid card
KR20070072807A (ko) 2006-01-02 2007-07-05 주식회사 비즈모델라인 체크카드(또는 직불카드)의 결제 승인처리 방법 및 시스템과 이를 위한 기록매체
US20100057580A1 (en) 2008-08-28 2010-03-04 Radha Raghunathan Unified payment card
US8751376B1 (en) * 2008-09-15 2014-06-10 Galileo Processing, Inc. Financial instrument having credit and pre-paid characteristics
US20110276420A1 (en) 2008-09-17 2011-11-10 Robert White Cash card system
KR20080110722A (ko) * 2008-12-02 2008-12-19 주식회사 비즈모델라인 결제 처리 방법
KR20090129385A (ko) 2009-10-28 2009-12-16 주식회사 한국스마트카드 신용카드 결제 기능과 선불카드 결제 기능을 포함하는 스마트카드의 결제 방법
KR101030896B1 (ko) * 2010-03-16 2011-04-22 주식회사 지에스리테일 하이브리드 카드와 하이브리드 카드 결제 시스템 및 이의 동작 방법
CA2726781A1 (en) * 2010-12-29 2012-06-29 Evgeny Lishak Methods of offline fare collection for open-loop and hybrid card systems
US8458094B2 (en) * 2011-01-27 2013-06-04 Bank Of America Corporation Secured charge card
US11055686B2 (en) * 2012-08-08 2021-07-06 E2Interactive, Inc. S/M for providing, reloading, and redeeming stored value cards used in transit applications
US20140136353A1 (en) * 2012-11-15 2014-05-15 Wallaby Financial Inc. System and method for optimizing card usage in a payment transaction
US20160012465A1 (en) * 2014-02-08 2016-01-14 Jeffrey A. Sharp System and method for distributing, receiving, and using funds or credits and apparatus thereof
US10210509B2 (en) 2014-11-26 2019-02-19 Mastercard International Incorporated Method and system for hybrid transportation-enabled payment card

Also Published As

Publication number Publication date
WO2016085603A1 (en) 2016-06-02
US10210509B2 (en) 2019-02-19
US20160148195A1 (en) 2016-05-26
SA115370095B1 (ar) 2019-08-26
UY36409A (es) 2016-01-29
PE20170754A1 (es) 2017-07-04
MX363933B (es) 2019-04-08
AR102772A1 (es) 2017-03-22
HK1225484A1 (en) 2017-09-08
EP3026619A1 (en) 2016-06-01
CL2015003457A1 (es) 2016-09-30

Similar Documents

Publication Publication Date Title
MX2015015914A (es) Metodo y sistema para tarjeta de pago hibrida habilitada para transporte.
IL304720A (en) A method for a prepaid, debit and credit card security code generating system
MX348069B (es) Métodos y sistemas para proveer una función de bloqueo de cuenta controlada por el cliente.
MX2016015177A (es) Metodos de administracion de la vida util de tokens de autentificacion de pagos en un dispostivo movil.
TN2015000352A1 (en) Systems, apparatus and methods for mobile companion prepaid card
SG11201806344VA (en) Credit payment method and apparatus based on mobile terminal p2p
MX2017008188A (es) Facilitacion de envio y recepcion de pagos de personas a comercios.
MX2018005593A (es) Metodo y sistema de procesamiento de transaccion de cadena de bloques en red de procesamiento de transaccion.
PH12017500712A1 (en) Method and system for direct carrier billing
WO2014149498A3 (en) Remote secure transactions
MX2015004493A (es) Validacion automatica de transacciones entre usuarios.
GB2505382A (en) A system for payment via electronic wallet
HK1206900A1 (en) Systems and methods for processing mobile payments by provisioning credentials to mobile devices without secure elements
MX361793B (es) Método y sistema para la autentificación segura del usuario y el dispositivo móvil sin elementos de seguridad.
NZ628971A (en) Transaction processing system and method
MX363898B (es) Sistemas y metodos para procesar pagos electronicos utilizando un directorio de pago global.
TW201614967A (en) Communication system and method for near field communication
PH12016501866A1 (en) Systems and methods for identity validation and verification
NZ630623A (en) Using a value-ascertainable item to obtain credit at a third-party merchant
MX392027B (es) Sistemas y metodos de pago de modos multiples.
MX2017002595A (es) Sistema y metodo para pagos electronicos.
TW201612812A (en) Apparatus and method for self-service payment
GB2545841A (en) Systems and methods for providing payment hotspots
AU2015362862A8 (en) System and method for providing emergency prepaid card
ZA201901320B (en) Prepaid, debit and credit card security code generation system

Legal Events

Date Code Title Description
FG Grant or registration