BRPI0604381A - métodos e sistema de pagamento - Google Patents

métodos e sistema de pagamento

Info

Publication number
BRPI0604381A
BRPI0604381A BRPI0604381-0A BRPI0604381A BRPI0604381A BR PI0604381 A BRPI0604381 A BR PI0604381A BR PI0604381 A BRPI0604381 A BR PI0604381A BR PI0604381 A BRPI0604381 A BR PI0604381A
Authority
BR
Brazil
Prior art keywords
financial services
transaction
electronic financial
electronic
services
Prior art date
Application number
BRPI0604381-0A
Other languages
English (en)
Inventor
Claudia Von Heesen
Harald Spiegel
Original Assignee
Claudia Von Heesen
Harald Spiegel
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 Claudia Von Heesen, Harald Spiegel filed Critical Claudia Von Heesen
Publication of BRPI0604381A publication Critical patent/BRPI0604381A/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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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

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

Abstract

MéTODO E SISTEMA DE PAGAMENTO. A presente invenção refere-se ao método e sistema para assegurar o manuseio de serviços financeiros eletrónicos com a ajuda de um trocador de serviços financeiros eletrónicos. Definido como um método de trocar, manusear e controlar serviços financeiros eletrónicos, particularmente serviços financeiros eletrónicos móveis de vários provedores de serviço financeiro a usuários autorizados com uma ampla variedade de dispositivos de comunicação (tanto estacionários quanto móveis). O sistema fornece para a troca de serviços financeiros eletrónicos todos os serviços dos sistemas de manuseio de transação 20, 21 dos provedores de serviço financeiro 43, 44 na forma de uma plataforma padronizada por meio de interfaces correspondentes 13,14 irrespectivas da forma em que os sistemas de manuseio de transação individuais 20, 21 são conectados ao trocador de serviços financeiros eletrónicos 10. O princípio do trocador de serviços financeiros eletrónicos 10 agora permite ligação flexível dos diferentes dispositivos de comunicação 30, 31 bem como de vários sistemas de manuseio de transação ligados 20, 21 dos vários provedores de serviço financeiro 43, 44. Os dados confidenciais requerendo uma troca segura são agora não mais feitos diretamente do dispositivo de comunicação 30 para o dispositivo de comunicação 31 mas - se de qualquer modo possível - via ligações de comunicação de segurança máxima padronizadas e do trocador de serviços financeiros eletrónicos 10 no sentido de uma plataforma. Os parceiros da transação, usuários 40 e 41 são estabilizados via um circuito de símbolo (por exemplo circuito de TAN). Para cada transação financeira o trocador de serviços financeiros eletrónicos 10 gera um símbolo (por exemplo TAN) 42 que é comunicado ao usuário 41 na função do iniciador da transação, recebido pelo outro usuário 40 através de uma transação intencional e retomado como confirmação ao trocador de serviços financeiros eletrónicos 10.
BRPI0604381-0A 2006-09-21 2006-10-16 métodos e sistema de pagamento BRPI0604381A (pt)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US84644606P 2006-09-21 2006-09-21

Publications (1)

Publication Number Publication Date
BRPI0604381A true BRPI0604381A (pt) 2008-05-13

Family

ID=37887461

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0604381-0A BRPI0604381A (pt) 2006-09-21 2006-10-16 métodos e sistema de pagamento

Country Status (9)

Country Link
US (2) US20080077532A1 (pt)
EP (1) EP2080159A1 (pt)
AT (1) AT10357U1 (pt)
AU (1) AU2006222701A1 (pt)
BR (1) BRPI0604381A (pt)
CA (1) CA2561479A1 (pt)
DE (1) DE202006015754U1 (pt)
RU (1) RU2452020C2 (pt)
WO (1) WO2008034620A1 (pt)

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US12260396B2 (en) * 2010-01-08 2025-03-25 Blackhawk Network, Inc. System for payment via electronic wallet
US7789294B2 (en) * 2005-02-18 2010-09-07 Ebet Systems Pty Ltd System and method for monitoring a validator
US8996867B2 (en) 2008-02-28 2015-03-31 At&T Intellectual Property I, L.P. Method and device for end-user verification of an electronic transaction
US9462497B2 (en) 2011-07-01 2016-10-04 At&T Mobility Ii Llc Subscriber data analysis and graphical rendering
US20130060680A1 (en) * 2011-09-06 2013-03-07 Rawllin International Inc. Funds management systems and methods
US8776043B1 (en) 2011-09-29 2014-07-08 Amazon Technologies, Inc. Service image notifications
US9626700B1 (en) 2011-09-29 2017-04-18 Amazon Technologies, Inc. Aggregation of operational data for merchandizing of network accessible services
WO2013058678A1 (ru) 2011-10-19 2013-04-25 Ikonomov Artashes Valer Evich Устройство для управления данными пользователя сети
US8909247B2 (en) * 2011-11-08 2014-12-09 At&T Mobility Ii Llc Location based sharing of a network access credential
US20130212024A1 (en) * 2012-02-10 2013-08-15 Protegrity Corporation Tokenization in distributed payment environments
BR112014025965A2 (pt) * 2012-04-18 2018-05-08 Bbp Tecnologia Desenvolvimento De Sist Ltda sistema e método para verificação e autenticação de dados e identidade
WO2014058349A1 (ru) 2012-10-10 2014-04-17 Ikonomov Artashes Valeryevich Электронная платежная система
US9553787B1 (en) 2013-04-29 2017-01-24 Amazon Technologies, Inc. Monitoring hosted service usage
US10511580B2 (en) * 2014-03-31 2019-12-17 Monticello Enterprises LLC System and method for providing a social media shopping experience
RU2566947C1 (ru) * 2014-09-22 2015-10-27 Николай Валерьевич Мишин Система, способ и машиночитаемый носитель для осуществления безналичных транзакций
US20260030660A1 (en) * 2024-07-26 2026-01-29 Anthony St Michael System and method of regulating and compounding of financial and commercial products and services through a reciprocating crowdgifting (RCG) system

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Publication number Priority date Publication date Assignee Title
US7194437B1 (en) * 1999-05-14 2007-03-20 Amazon.Com, Inc. Computer-based funds transfer system
AR029173A1 (es) * 1999-07-20 2003-06-18 Diebold Inc Metodo para el desarrollo de cajeros automaticos
DE19934981A1 (de) * 1999-07-26 2001-02-01 Alcatel Sa Verfahren zur Abgabe einer Ware oder zum Erbringen einer Dienstleistung unter Einsatz eines Mobilfunk-Endgeräts, Mobilfunk-Endgerät zur Durchführung des Verfahrens und Einrichtung zur Abgabe einer Ware oder zum Erbringen einer Dienstleistung
US7051364B1 (en) * 1999-09-09 2006-05-23 Daimlerchrysler Financial Services Americas Llc System and method for preparing, executing, and securely managing electronic documents
GB0001548D0 (en) * 2000-01-24 2000-03-15 Air Pay Limited A method and device for crediting a creditable machine
CA2404481A1 (en) * 2000-03-27 2001-10-04 Steven B. Smith Methods and apparatus for wireless point-of-sale transactions
US10521782B2 (en) * 2000-05-15 2019-12-31 Efunds Corporation System for and method of effecting an electronic transaction
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US8346659B1 (en) * 2001-07-06 2013-01-01 Hossein Mohsenzadeh Secure authentication and payment system
US7784684B2 (en) * 2002-08-08 2010-08-31 Fujitsu Limited Wireless computer wallet for physical point of sale (POS) transactions
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DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
US8774963B2 (en) * 2005-03-15 2014-07-08 Inventor Holdings, Llc Systems and methods for providing network access
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WO2007008860A2 (en) * 2005-07-11 2007-01-18 Conrad Sheehan Secure electronic transactions between a mobile device and other mobile, fixed or virtual devices

Also Published As

Publication number Publication date
AT10357U1 (de) 2009-01-15
US20080077532A1 (en) 2008-03-27
EP2080159A1 (en) 2009-07-22
AU2006222701A1 (en) 2008-04-10
CA2561479A1 (en) 2008-03-21
DE202006015754U1 (de) 2007-03-08
RU2006136310A (ru) 2008-04-20
US20170278105A1 (en) 2017-09-28
WO2008034620A1 (en) 2008-03-27
RU2452020C2 (ru) 2012-05-27

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Legal Events

Date Code Title Description
B03H Publication of an application: rectification

Free format text: REFERENTE A RPI 1949 DE 13/05/2008, QUANTO AO ITEM (54).

B08F Application fees: dismissal - article 86 of industrial property law
B08K Lapse as no evidence of payment of the annual fee has been furnished to inpi (acc. art. 87)