BRPI0411878A - método para autorizar ordens de pagamento, em particular por cartões de crédito, e aparelhos relacionados - Google Patents

método para autorizar ordens de pagamento, em particular por cartões de crédito, e aparelhos relacionados

Info

Publication number
BRPI0411878A
BRPI0411878A BRPI0411878-2A BRPI0411878A BRPI0411878A BR PI0411878 A BRPI0411878 A BR PI0411878A BR PI0411878 A BRPI0411878 A BR PI0411878A BR PI0411878 A BRPI0411878 A BR PI0411878A
Authority
BR
Brazil
Prior art keywords
user
credit
identification data
issuing institution
money
Prior art date
Application number
BRPI0411878-2A
Other languages
English (en)
Inventor
Piero Protti
Original Assignee
Piero Protti
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 Piero Protti filed Critical Piero Protti
Publication of BRPI0411878A publication Critical patent/BRPI0411878A/pt

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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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]
    • 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
    • G06Q20/325—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 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
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Credit Cards Or The Like (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

"MéTODO PARA AUTORIZAR ORDENS DE PAGAMENTO, EM PARTICULAR POR CARTõES DE CRéDITO, E APARELHOS RELACIONADOS". A presente invenção refere-se a um método e a um aparelho relacionado para autorizar ordens de pagamento através de instrumentos de crédito, em que um usuário compra pelo menos um item de mercadorias e/ou pelo menos um serviço em um site comercial em troca do pagamento de uma quantia em dinheiro, o usuário sendo o proprietário de pelo menos um instrumento de crédito, que é emitido por uma instituição emitente (21) e univocamente determinado pelos dados de identificação de instrumento de crédito,e de um telefone (20), que é fornecido com a funcionalidade de enviar e receber mensagens de radiotelefonia, o método compreendendo as fases de: A. a instituição emitente verificar a validade do instrumento de crédito, e B. a instituição emitente enviar ao site comercial uma confirmação ou recusa de autorização da ordem de pagamento, dependendo do resultado da verificação, o método sendo caracterizado pelo fato de que compreende a fase preliminar seguinte: C. enviar do telefone do usuário para um dispositivo de gerenciamento de mensagem de radiotelefonia (22) de um centro de serviço (21) da instituição emitente uma mensagem de radiotelefonia compreendendo um código de identificação do site comercial, a quantia de dinheiro e/ou dados de identificação de instrumento e/ou dados de identificação do usuário e/ou dados de identificação de telefone, o código de identificação do site comercial e a quantia em dinheiro sendo introduzidos pelo usuário durante a composição da mensagem.
BRPI0411878-2A 2003-06-23 2004-06-21 método para autorizar ordens de pagamento, em particular por cartões de crédito, e aparelhos relacionados BRPI0411878A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IT000311A ITRM20030311A1 (it) 2003-06-23 2003-06-23 Metodo per l'autorizzazione di delegazioni di pagamento,
PCT/IT2004/000357 WO2004114230A1 (en) 2003-06-23 2004-06-21 Method for autorising mandates of payment by credit cards and related apparatuses

Publications (1)

Publication Number Publication Date
BRPI0411878A true BRPI0411878A (pt) 2006-08-08

Family

ID=29765884

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0411878-2A BRPI0411878A (pt) 2003-06-23 2004-06-21 método para autorizar ordens de pagamento, em particular por cartões de crédito, e aparelhos relacionados

Country Status (9)

Country Link
US (1) US20070112673A1 (pt)
EP (1) EP1636768A1 (pt)
JP (1) JP2007521556A (pt)
CN (1) CN1809847A (pt)
AU (1) AU2004250444B2 (pt)
BR (1) BRPI0411878A (pt)
CA (1) CA2530269A1 (pt)
IT (1) ITRM20030311A1 (pt)
WO (1) WO2004114230A1 (pt)

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RU2530323C2 (ru) * 2012-11-06 2014-10-10 Пэйче Лтд. Способ безопасного использования банковских карт (варианты)
WO2014175760A1 (ru) * 2013-04-23 2014-10-30 Scherbakov Andrei Yuryevich Способ получения наличных денежных средств и выдачи кредитов при помощи мобильного устройства пользователя
WO2014182188A1 (ru) * 2013-05-06 2014-11-13 Scherbakov Andrei Yuryevich Способ получения наличных денежных средств и выдачи кредитов
RU2014142262A (ru) * 2013-05-21 2016-05-10 Андрей Юрьевич Щербаков Способ операций с наличными денежными средствами при помощи мобильного устройства
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Also Published As

Publication number Publication date
CA2530269A1 (en) 2004-12-29
ITRM20030311A1 (it) 2004-12-24
CN1809847A (zh) 2006-07-26
AU2004250444A1 (en) 2004-12-29
ITRM20030311A0 (it) 2003-06-23
US20070112673A1 (en) 2007-05-17
JP2007521556A (ja) 2007-08-02
EP1636768A1 (en) 2006-03-22
AU2004250444B2 (en) 2011-11-03
WO2004114230A1 (en) 2004-12-29

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Legal Events

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B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

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B08G Application fees: restoration [chapter 8.7 patent gazette]
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

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B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: EM VIRTUDE DO ARQUIVAMENTO PUBLICADO NA RPI 2343 DE 01-12-2015 E CONSIDERANDO AUSENCIA DE MANIFESTACAO DENTRO DOS PRAZOS LEGAIS, INFORMO QUE CABE SER MANTIDO O ARQUIVAMENTO DO PEDIDO DE PATENTE, CONFORME O DISPOSTO NO ARTIGO 12, DA RESOLUCAO 113/2013.