CL2016000603A1 - Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único - Google Patents

Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único

Info

Publication number
CL2016000603A1
CL2016000603A1 CL2016000603A CL2016000603A CL2016000603A1 CL 2016000603 A1 CL2016000603 A1 CL 2016000603A1 CL 2016000603 A CL2016000603 A CL 2016000603A CL 2016000603 A CL2016000603 A CL 2016000603A CL 2016000603 A1 CL2016000603 A1 CL 2016000603A1
Authority
CL
Chile
Prior art keywords
payment
mobile device
token
user
information
Prior art date
Application number
CL2016000603A
Other languages
English (en)
Inventor
Granados Juan Cristobal Pereda
Rodriguez Elena Velasco
Prada Carmen Urbano
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 CL2016000603A1 publication Critical patent/CL2016000603A1/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

SISTEMA Y MÉTODO DE PAGO MEDIANTE DISPOSITIVO MÓVIL BASADO EN LA UTILIZACIÓN DE UN TOKEN DE USO ÚNICO, EL SISTEMA COMPRENDE UN DISPOSITIVO MÓVIL CON UNA APLICACIÓN DE GENERACIÓN DE TOKENS CONFIGURADA PARA GENERAR UN TOKEN DE UN ÚNICO USO Y VÁLIDO DURANTE UN PERIODO DE TIEMPO DETERMINADO, EL TOKEN GENERADO EN FUNCIÓN AL MENOS 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 DE UN COMERCIO, ENCARGADO DE RECIBIR EL TOKEN GENERADO POR EL DISPOSITIVO MÓVIL, DATOS DE IDENTIFICACIÓN DEL USUARIO Y EL IMPORTE DE LA COMPRA REALIZADA POR EL USUARIO, Y REMITIR DICHA INFORMACIÓN, JUNTO CON DATOS DE IDENTIFICACIÓN DEL COMERCIO, A UN SERVIDOR; EL SERVIDOR, SINCRONIZADO TEMPORALMENTE CON EL DISPOSITIVO MÓVIL Y ENCARGADO DE: ACCEDER A UNA BASE DE DATOS DE USUARIOS PARA: OBTENER, A PARTIR DE LOS DATOS DE IDENTIFICACIÓN DEL USUARIO, LA CONTRASEÑA DE USUARIO Y EL NÚMERO SECRETO ALMACENADO EN EL DISPOSITIVO MÓVIL Y VALIDAR EL TOKEN RECIBIDO A PARTIR DE DICHA INFORMACIÓN Y EL INSTANTE ACTUAL; OBTENER INFORMACIÓN BANCARIA PARA EFECTUAR EL PAGO DEL IMPORTE DE LA COMPRA POR PARTE DEL USUARIO; ACCEDER A UNA BASE DE DATOS DE COMERCIOS PARA OBTENER, A PARTIR DE LOS DATOS DE IDENTIFICACIÓN DEL COMERCIO, LA INFORMACIÓN BANCARIA PARA EFECTUAR EL ABONO DEL IMPORTE DE LA COMPRA; ENVIAR A UNA PASARELA DE MEDIO DE PAGO LA ORDEN DE PAGO CON INFORMACIÓN PARA REALIZAR EL PAGO Y ABONO DEL IMPORTE DE LA COMPRA.
CL2016000603A 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único CL2016000603A1 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
ES201331331A ES2531386B1 (es) 2013-09-13 2013-09-13 Sistema y método de pago mediante dispositivo móvil

Publications (1)

Publication Number Publication Date
CL2016000603A1 true CL2016000603A1 (es) 2016-11-25

Family

ID=51842549

Family Applications (1)

Application Number Title Priority Date Filing Date
CL2016000603A CL2016000603A1 (es) 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil basado en la utilización de un token de uso único

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)

Families Citing this family (2)

* 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
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
CA2577333C (en) * 2004-08-18 2016-05-17 Mastercard International Incorporated Method and system for authorizing a transaction using a dynamic authorization code
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
US20090254479A1 (en) * 2008-04-02 2009-10-08 Pharris Dennis J Transaction server configured to authorize payment transactions using mobile telephone devices
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
AU2011261259B2 (en) * 2010-06-04 2015-05-14 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
AU2012201745B2 (en) * 2011-03-24 2014-11-13 Visa International Service Association Authentication using application authentication element
EP2718887A1 (en) * 2011-06-10 2014-04-16 Swedbank AB Electronic transactions

Also Published As

Publication number Publication date
DOP2016000065A (es) 2016-06-30
MX2016003314A (es) 2016-10-28
ES2531386A1 (es) 2015-03-13
WO2015036642A1 (es) 2015-03-19
ES2531386B1 (es) 2015-12-22

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