MX2021007745A - Procesamiento de pago electrónico utilizando tasa de intercambio ajustada. - Google Patents

Procesamiento de pago electrónico utilizando tasa de intercambio ajustada.

Info

Publication number
MX2021007745A
MX2021007745A MX2021007745A MX2021007745A MX2021007745A MX 2021007745 A MX2021007745 A MX 2021007745A MX 2021007745 A MX2021007745 A MX 2021007745A MX 2021007745 A MX2021007745 A MX 2021007745A MX 2021007745 A MX2021007745 A MX 2021007745A
Authority
MX
Mexico
Prior art keywords
algorithm
payment
merchant
settlement
payment processing
Prior art date
Application number
MX2021007745A
Other languages
English (en)
Inventor
Dean Michael Leavitt
James Edward Lister
Original Assignee
Boost Payment Solutions Inc
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 US16/725,595 external-priority patent/US11514435B2/en
Application filed by Boost Payment Solutions Inc filed Critical Boost Payment Solutions Inc
Publication of MX2021007745A publication Critical patent/MX2021007745A/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • 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
    • 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
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

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 Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Se recibe un mensaje de pago cifrado de un comprador relacionado con una transacción con un comerciante. El mensaje de pago se analiza utilizando un primer algoritmo de análisis para obtener información de identificación del comerciante. La información de identificación del comerciante se asocia con al menos un segundo algoritmo de análisis o al menos un algoritmo de liquidación. El mensaje de pago se analiza utilizando el segundo algoritmo de análisis para obtener información de pago para la transacción. Se aplica un primer algoritmo de liquidación a la información de pago para determinar una tasa de cambio ajustada. La información de pago que incluye la tasa de cambio ajustada se presenta a un procesador de liquidación de un tercero en nombre del comerciante, utilizando un algoritmo de pago. Un segundo algoritmo de liquidación aplicado a la información de pago determina un reembolso del comprador que se puede presentar al procesador de liquidación. Se reporta un resultado de transacción a por lo menos uno del comerciante o el comprador.
MX2021007745A 2018-12-24 2019-12-24 Procesamiento de pago electrónico utilizando tasa de intercambio ajustada. MX2021007745A (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201862784594P 2018-12-24 2018-12-24
US16/725,595 US11514435B2 (en) 2011-10-12 2019-12-23 Electronic payment processing using adjusted interchange rate
PCT/US2019/068465 WO2020139876A1 (en) 2018-12-24 2019-12-24 Electronic payment processing using adjusted interchange rate

Publications (1)

Publication Number Publication Date
MX2021007745A true MX2021007745A (es) 2021-10-26

Family

ID=71126317

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2021007745A MX2021007745A (es) 2018-12-24 2019-12-24 Procesamiento de pago electrónico utilizando tasa de intercambio ajustada.

Country Status (9)

Country Link
EP (1) EP3903266A4 (es)
AU (2) AU2019416190A1 (es)
BR (1) BR112021012466A2 (es)
CA (1) CA3124679A1 (es)
CO (1) CO2021009458A2 (es)
IL (2) IL317974B2 (es)
MX (1) MX2021007745A (es)
SG (1) SG11202106905WA (es)
WO (1) WO2020139876A1 (es)

Cited By (1)

* 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

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11797962B2 (en) * 2019-06-10 2023-10-24 The Toronto-Dominion Bank Configuring data transfers based on electronic messages

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7603312B2 (en) * 2007-04-25 2009-10-13 Pe Systems, Inc. Altering card-issuer interchange categories
US20090234748A1 (en) * 2008-03-11 2009-09-17 First Data Corporation Interchange fee notification
US20110320354A1 (en) * 2010-06-28 2011-12-29 Coon Jonathan C Systems and methods for asynchronous mobile authorization of credit card purchases
US20120158566A1 (en) * 2010-12-21 2012-06-21 Corinne Fok Transaction rate processing apparatuses, methods and systems
WO2012106655A2 (en) * 2011-02-05 2012-08-09 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
WO2013055933A2 (en) * 2011-10-12 2013-04-18 Boost Payment Solutions, LLC Electronic payment processing
US20140279524A1 (en) * 2013-03-15 2014-09-18 Jeffrey Scott Slusser Interchange Rate Based Convenience Fee, Service Fee, and Surcharge System Patent
US10540643B2 (en) * 2016-04-15 2020-01-21 Mastercard International Incorporated Interchange rate processing system and method

Cited By (1)

* 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

Also Published As

Publication number Publication date
BR112021012466A2 (pt) 2021-09-28
CO2021009458A2 (es) 2021-08-09
IL284337A (en) 2021-08-31
IL317974B1 (en) 2025-11-01
AU2024270636A1 (en) 2024-12-19
AU2019416190A1 (en) 2021-07-15
EP3903266A1 (en) 2021-11-03
IL317974A (en) 2025-02-01
WO2020139876A1 (en) 2020-07-02
IL317974B2 (en) 2026-03-01
SG11202106905WA (en) 2021-07-29
EP3903266A4 (en) 2022-10-05
CA3124679A1 (en) 2020-07-02

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