DOP2016000065A - Sistema y método de pago mediante dispositivo móvil - Google Patents

Sistema y método de pago mediante dispositivo móvil

Info

Publication number
DOP2016000065A
DOP2016000065A DO2016000065A DO2016000065A DOP2016000065A DO P2016000065 A DOP2016000065 A DO P2016000065A DO 2016000065 A DO2016000065 A DO 2016000065A DO 2016000065 A DO2016000065 A DO 2016000065A DO P2016000065 A DOP2016000065 A DO P2016000065A
Authority
DO
Dominican Republic
Prior art keywords
payment
mobile device
token
server
access
Prior art date
Application number
DO2016000065A
Other languages
English (en)
Inventor
Elena Velasco Rodriguez
Carmen Urbano Prada
Juan Cristobal Pereda Granados
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 DOP2016000065A publication Critical patent/DOP2016000065A/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. EL SISTEMA COMPRENDE: - UN DISPOSITIVO MÓVIL (4) CON UNA APLICACIÓN PARA GENERAR TOKENS EN FUNCIÓN 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 (5) DE UN COMERCIO (1), QUE RECIBE EL TOKEN, DATOS DE IDENTIFICACIÓN DEL USUARIO Y EL IMPORTE DE LA COMPRA, Y REMITIR (108) DICHA INFORMACIÓN A UN SERVIDOR (8); - EL SERVIDOR (8) ENCARGADO DE: • ACCEDER A UNA BASE DE DATOS DE USUARIOS (6) PARA VALIDAR EL TOKEN Y OBTENER INFORMACIÓN BANCARIA PARA EFECTUAR EL PAGO; • ACCEDER A UNA BASE DE DATOS DE COMERCIOS (7) PARA OBTENER INFORMACIÓN BANCARIA PARA EFECTUAR EL ABONO AL COMERCIO (1); • ENVIAR A UNA PASARELA DE MEDIO DE PAGO (9) LA ORDEN DE PAGO. FIG. 1 CIP: G06Q 20/38, G06Q 20/32
DO2016000065A 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil DOP2016000065A (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
DOP2016000065A true DOP2016000065A (es) 2016-06-30

Family

ID=51842549

Family Applications (1)

Application Number Title Priority Date Filing Date
DO2016000065A DOP2016000065A (es) 2013-09-13 2016-03-14 Sistema y método de pago mediante dispositivo móvil

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
US20020161708A1 (en) * 2001-02-01 2002-10-31 Gero Offer Method and apparatus for performing a cashless payment transaction
JP4874251B2 (ja) * 2004-08-18 2012-02-15 マスターカード インターナシヨナル インコーポレーテツド 動的認証コードを用いて取引を認証する方法及び装置
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
US8301500B2 (en) * 2008-04-02 2012-10-30 Global 1 Enterprises Ghosting payment account data in a mobile telephone payment transaction system
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
ES2531386A1 (es) 2015-03-13
WO2015036642A1 (es) 2015-03-19
MX2016003314A (es) 2016-10-28
ES2531386B1 (es) 2015-12-22
CL2016000603A1 (es) 2016-11-25

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