BRPI0512468A - método, aparelho e sistema para processar uma transação de pagamento; banco de dados; dispositivo passivo; programa de computador; mìdia legìvel por computador; método para o lançamento de aplicações de software; e método ou organizador de uma fila - Google Patents

método, aparelho e sistema para processar uma transação de pagamento; banco de dados; dispositivo passivo; programa de computador; mìdia legìvel por computador; método para o lançamento de aplicações de software; e método ou organizador de uma fila

Info

Publication number
BRPI0512468A
BRPI0512468A BRPI0512468-9A BRPI0512468A BRPI0512468A BR PI0512468 A BRPI0512468 A BR PI0512468A BR PI0512468 A BRPI0512468 A BR PI0512468A BR PI0512468 A BRPI0512468 A BR PI0512468A
Authority
BR
Brazil
Prior art keywords
transaction
payment
merchant
processing
processing system
Prior art date
Application number
BRPI0512468-9A
Other languages
English (en)
Inventor
Ian Charles Ogilvy
Original Assignee
Ian Charles Ogilvy
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
Priority claimed from AU2004903470A external-priority patent/AU2004903470A0/en
Application filed by Ian Charles Ogilvy filed Critical Ian Charles Ogilvy
Publication of BRPI0512468A publication Critical patent/BRPI0512468A/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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING 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
    • G06Q20/08—Payment architectures
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/327—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
    • G06Q20/40—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

Landscapes

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

Abstract

MéTODO, APARELHO E SISTEMA PARA PROCESSAR UMA TRANSAçãO DE PAGAMENTO; BANCO DE DADOS; DISPOSITIVO PASSIVO; PROGRAMA DE COMPUTADOR; MìDIA LEGìVEL POR COMPUTADOR; MéTODO PARA O LANçAMENTO DE APLICAçõES DE SOFTWARE; E MéTODO OU ORGANIZADOR DE UMA FILA. O presente invento se refere a processamento de transações para processamento de pagamentos entre pagadores (normalmente pessoas físicas) e beneficiários (normalmente comerciantes). Convencionalmente, uma transação de pagamento envolve informações sobre a conta do usuário, que são fornecidas para um dispositivo do comerciante (ex.: passando um cartão no leitor de cartão do dispositivo do comerciante). Em seguida, o dispositivo do comerciante prepara uma mensagem da transação, incluindo informações tais como identificação da conta do usuário, identificação do comerciante e informações sobre o pagamento, e envia essa mensagem para um sistema de processamento de transações, que pode incluir um adquirente da transação e um banco emissor. O sistema de processamento de transações aprova o pagamento e envia a confirmação para o comerciante. No presente invento passa a ser envolvido no processo da transação de pagamento um dispositivo associado ao pagador que, em uma representação preferencial, é um telefone móvel devidamente adaptado. Em um nível, o sistema de processamento de transações solicita do dispositivo eletrónico do pagador a confirmação de que a transação deverá prosseguir e que o pagador tecle o respectivo Número de Identificação Pessoal (Personal ldentification Number - PIN) para autorizar a transação. Em outro nível, todas as informações para o processamento da transação são fornecidas pelo dispositivo eletrónico pagador para o sistema de processamento de transações e, em seguida, o sistema de processamento de transações ou o dispositivo eletrónico pagador confirma para o dispositivo do comerciante que a transação está autorizada. Isso evita, para o comerciante, o trabalho do processamento da transação e, além disso, aumenta a segurança da transação, uma vez que a mesma está sob o controle do pagador. Em uma outra representação, o dispositivo eletrónico pagador poderá também carregar (upload) de listas de produtos e selecionar produtos simultaneamente ao pagamento dos mesmos, informando o beneficiário (comerciante) sobre o produto selecionado.
BRPI0512468-9A 2004-06-25 2005-06-24 método, aparelho e sistema para processar uma transação de pagamento; banco de dados; dispositivo passivo; programa de computador; mìdia legìvel por computador; método para o lançamento de aplicações de software; e método ou organizador de uma fila BRPI0512468A (pt)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
AU2004903470A AU2004903470A0 (en) 2004-06-25 A system and method of making a payment
AU2004903997A AU2004903997A0 (en) 2004-07-19 A system and method of making a payment
AU2004904941A AU2004904941A0 (en) 2004-08-30 A system and method of making a payment
AU2005901230A AU2005901230A0 (en) 2005-03-14 A system and method of making a payment
PCT/AU2005/000902 WO2006000021A1 (en) 2004-06-25 2005-06-24 A transaction processing method, apparatus and system

Publications (1)

Publication Number Publication Date
BRPI0512468A true BRPI0512468A (pt) 2008-03-11

Family

ID=35781498

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0512468-9A BRPI0512468A (pt) 2004-06-25 2005-06-24 método, aparelho e sistema para processar uma transação de pagamento; banco de dados; dispositivo passivo; programa de computador; mìdia legìvel por computador; método para o lançamento de aplicações de software; e método ou organizador de uma fila

Country Status (8)

Country Link
US (6) US8543500B2 (pt)
EP (1) EP1817729A4 (pt)
BR (1) BRPI0512468A (pt)
CA (1) CA2572227C (pt)
MY (1) MY167082A (pt)
NZ (1) NZ552892A (pt)
SG (2) SG10201404410XA (pt)
WO (1) WO2006000021A1 (pt)

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