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MX2016003314A - Sistema y metodo de pago mediante dispositivo movil. - Google Patents

Sistema y metodo de pago mediante dispositivo movil.

Info

Publication number
MX2016003314A
MX2016003314A MX2016003314A MX2016003314A MX2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A MX 2016003314 A MX2016003314 A MX 2016003314A
Authority
MX
Mexico
Prior art keywords
token
payment
business
payment system
mobile payment
Prior art date
Application number
MX2016003314A
Other languages
English (en)
Inventor
Cristobal Pereda Granados Juan
Velasco Rodriguez Elena
Urbano Prada Carmen
Original Assignee
Pomo Posibilidades S A
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 Pomo Posibilidades S A filed Critical Pomo Posibilidades S A
Publication of MX2016003314A publication Critical patent/MX2016003314A/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

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 Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

El sistema comprende: - un dispositivo móvil (4) con una aplicación para generar tokens en función de un dato temporal que determina la caducidad del token, una contraseña de usuario y un número secreto almacenado en el dispositivo móvil; - un terminal de venta .(5) de un comercio (1), que recibe el token, datos de identificación del usuario y el importe de la compra, y remitir (108) dicha información a un servidor (8); - el servidor (8) encargado de: • acceder a una base de datos de usuarios (6) para validar el token y obtener información bancaria para efectuar el pago; • acceder a una base de datos de comercios (7) para obtener información bancaria para efectuar el abono al comercio (1); • enviar a una pasarela de medio de pago (9) la orden de pago.
MX2016003314A 2013-09-13 2014-09-12 Sistema y metodo de pago mediante dispositivo movil. MX2016003314A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ES201331331A ES2531386B1 (es) 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil
PCT/ES2014/070695 WO2015036642A1 (es) 2013-09-13 2014-09-12 Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único

Publications (1)

Publication Number Publication Date
MX2016003314A true MX2016003314A (es) 2016-10-28

Family

ID=51842549

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2016003314A MX2016003314A (es) 2013-09-13 2014-09-12 Sistema y metodo de pago mediante dispositivo movil.

Country Status (5)

Country Link
CL (1) CL2016000603A1 (es)
DO (1) DOP2016000065A (es)
ES (1) ES2531386B1 (es)
MX (1) MX2016003314A (es)
WO (1) WO2015036642A1 (es)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12125054B2 (en) 2018-09-25 2024-10-22 Valideck International Corporation System, devices, and methods for acquiring and verifying online information

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12452065B2 (en) 2023-04-26 2025-10-21 T-Mobile Usa, Inc. Authorization tokens for an authenticated user accessing an application

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1231578A3 (de) * 2001-02-01 2004-03-10 Siemens Aktiengesellschaft Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungsaktion
JP4874251B2 (ja) * 2004-08-18 2012-02-15 マスターカード インターナシヨナル インコーポレーテツド 動的認証コードを用いて取引を認証する方法及び装置
GB2425621A (en) 2005-03-18 2006-11-01 Hewlett Packard Development Co An electronic token for authorising payment at a retail outlet
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
US20080103984A1 (en) 2006-10-30 2008-05-01 Mobilekash, Inc. System, Method, and Computer-Readable Medium for Mobile Payment Authentication and Authorization
US7848980B2 (en) 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US8620260B2 (en) 2007-04-27 2013-12-31 American Express Travel Related Services Company, Inc. Payment application download to mobile phone and phone personalization
US8301500B2 (en) * 2008-04-02 2012-10-30 Global 1 Enterprises Ghosting payment account data in a mobile telephone payment transaction system
US10454693B2 (en) 2009-09-30 2019-10-22 Visa International Service Association Mobile payment application architecture
US8380177B2 (en) 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
WO2011153505A1 (en) * 2010-06-04 2011-12-08 Visa International Service Association Payment tokenization apparatuses, methods and systems
WO2012003842A1 (en) 2010-07-08 2012-01-12 Ashraf Abdel Salam Mohammed El Disoky Method and system for payment and processing all financial operations using wireless, landline and mobile phone credit as alternative to carrying money or credit cards
US20120173431A1 (en) * 2010-12-30 2012-07-05 First Data Corporation Systems and methods for using a token as a payment in a transaction
US9883387B2 (en) * 2011-03-24 2018-01-30 Visa International Service Association Authentication using application authentication element
EP2718887A1 (en) * 2011-06-10 2014-04-16 Swedbank AB Electronic transactions

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US12125054B2 (en) 2018-09-25 2024-10-22 Valideck International Corporation System, devices, and methods for acquiring and verifying online information

Also Published As

Publication number Publication date
WO2015036642A1 (es) 2015-03-19
CL2016000603A1 (es) 2016-11-25
ES2531386A1 (es) 2015-03-13
ES2531386B1 (es) 2015-12-22
DOP2016000065A (es) 2016-06-30

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