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MX2017002595A - Sistema y metodo para pagos electronicos. - Google Patents

Sistema y metodo para pagos electronicos.

Info

Publication number
MX2017002595A
MX2017002595A MX2017002595A MX2017002595A MX2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A MX 2017002595 A MX2017002595 A MX 2017002595A
Authority
MX
Mexico
Prior art keywords
transaction
token
responder
initiator
server system
Prior art date
Application number
MX2017002595A
Other languages
English (en)
Inventor
Malan Ruan
Philippus Wolhuter Joubert Jozef
Original Assignee
Ruan & Riana Familie Trust
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 Ruan & Riana Familie Trust filed Critical Ruan & Riana Familie Trust
Publication of MX2017002595A publication Critical patent/MX2017002595A/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • 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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/385—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
    • G06Q20/38—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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Landscapes

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

Abstract

Se describe un sistema y un método para llevar a cabo transacciones electrónicas de pago entre iniciadores de transacciones y respondedores de transacciones. El sistema comprende un sistema de servidor en comunicación con la infraestructura transaccional de los iniciadores de transacciones y los respondedores de transacciones, y permite que un iniciador de transacciones inicie una transacción mediante el envío de una solicitud de inicio de transacción al sistema de servidor, que a su vez genera un primer token independiente del respondedor que representa la transacción. El primer token entonces se almacena y se comunica con la infraestructura transaccional del iniciador de transacciones, desde donde se comunica con el respondedor de transacciones. El respondedor de transacciones a su vez transmite una solicitud de respuesta, la cual incluye el primer token, al sistema de servidor, por medio de un canal independiente, en donde se extrae el token y se compara con el token generado originalmente. Si se comprueba que los tokens corresponden, se completa la transacción entre el iniciador y el respondedor.
MX2017002595A 2014-08-29 2015-08-28 Sistema y metodo para pagos electronicos. MX2017002595A (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA201406362 2014-08-29
PCT/IB2015/056537 WO2016030862A1 (en) 2014-08-29 2015-08-28 System and method for electronic payments

Publications (1)

Publication Number Publication Date
MX2017002595A true MX2017002595A (es) 2017-10-11

Family

ID=55398838

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2017002595A MX2017002595A (es) 2014-08-29 2015-08-28 Sistema y metodo para pagos electronicos.

Country Status (11)

Country Link
US (1) US20170255908A1 (es)
EP (1) EP3186762A4 (es)
KR (1) KR20170058950A (es)
CN (1) CN106716469A (es)
AP (1) AP2017009835A0 (es)
AU (1) AU2015308090B2 (es)
BR (1) BR112017003991A2 (es)
MX (1) MX2017002595A (es)
SG (1) SG11201701510WA (es)
WO (1) WO2016030862A1 (es)
ZA (1) ZA201701874B (es)

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US10311413B2 (en) 2015-07-01 2019-06-04 Mastercard International Incorporated By-item bill payments
US10621567B2 (en) 2015-07-01 2020-04-14 Mastercard International Incorporation Electronic grace period billing
US10535067B2 (en) 2015-07-01 2020-01-14 Mastercard International Incorporated Electronic incremental payments
SG10201605789VA (en) * 2016-07-14 2018-02-27 Mastercard International Inc Methods and systems for securing a payment initiated by a payee
US11023897B1 (en) * 2017-12-05 2021-06-01 Worldpay, Llc Systems and methods for optimizing transaction conversion rate using measured feedback
US20200097931A1 (en) * 2018-09-21 2020-03-26 Mastercard International Incorporated Payment transaction process employing invoice token
CN110569408B (zh) * 2019-09-04 2022-03-11 广州大学 一种数字货币溯源方法及系统
CN114981801A (zh) * 2019-12-27 2022-08-30 维萨国际服务协会 用于履行订单请求的系统和计算机实施的方法
CN111242594B (zh) * 2020-01-13 2021-11-16 支付宝实验室(新加坡)有限公司 跨地域离线支付的注册、付款方法和装置
CA3223583A1 (en) * 2021-06-24 2022-12-29 Sean William HONEYWELL A transaction system and method
CN113657876A (zh) * 2021-08-19 2021-11-16 中国银行股份有限公司 一种公益救助平台及方法
CN115796857A (zh) * 2022-11-19 2023-03-14 陈军 一种订单支付的方法及系统
CN116527311A (zh) * 2023-03-16 2023-08-01 中国工商银行股份有限公司 请求响应方法、装置、电子设备及存储介质

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6957199B1 (en) * 2000-08-30 2005-10-18 Douglas Fisher Method, system and service for conducting authenticated business transactions
CN1186741C (zh) * 2002-08-19 2005-01-26 中国科学院计算技术研究所 交互式的多功能数字身份令牌装置
US20060235795A1 (en) * 2005-04-19 2006-10-19 Microsoft Corporation Secure network commercial transactions
US8838503B2 (en) * 2008-12-08 2014-09-16 Ebay Inc. Unified identity verification
AU2013205575A1 (en) * 2008-12-31 2013-05-16 Paypal, Inc. Unified identity verification
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
US20140372319A1 (en) * 2011-09-28 2014-12-18 Lionel Wolovitz Methods and apparatus for brokering a transaction
US20140297533A1 (en) * 2011-11-13 2014-10-02 Millind Mittal System and method of electronic payment using payee provided transaction identification codes
WO2013130716A1 (en) * 2012-02-29 2013-09-06 Patel Upen System and method to manage information for conducting secure transactions
CN102663586B (zh) * 2012-03-21 2016-07-06 华为技术有限公司 一种通过两个移动终端完成支付的方法
US20140310171A1 (en) * 2013-04-12 2014-10-16 Bank Of America Corporation Certified person-to-person payment system
EP3022700B1 (en) * 2013-07-15 2023-11-01 Visa International Service Association Secure remote payment transaction processing
CN103854173A (zh) * 2014-03-28 2014-06-11 紫光股份有限公司 一种用于现场购物的移动支付方法
CN103985038A (zh) * 2014-04-16 2014-08-13 深圳市亚略特生物识别科技有限公司 基于指纹识别的移动终端的支付方法

Also Published As

Publication number Publication date
EP3186762A4 (en) 2017-07-26
US20170255908A1 (en) 2017-09-07
KR20170058950A (ko) 2017-05-29
SG11201701510WA (en) 2017-03-30
EP3186762A1 (en) 2017-07-05
AU2015308090A1 (en) 2017-04-13
AP2017009835A0 (en) 2017-03-31
CN106716469A (zh) 2017-05-24
BR112017003991A2 (pt) 2018-02-20
ZA201701874B (en) 2019-06-26
WO2016030862A1 (en) 2016-03-03
AU2015308090B2 (en) 2018-03-29

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