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AR102772A1 - Método y sistema para tarjeta de pago híbrida, habilitada para transporte - Google Patents

Método y sistema para tarjeta de pago híbrida, habilitada para transporte

Info

Publication number
AR102772A1
AR102772A1 ARP150103840A ARP150103840A AR102772A1 AR 102772 A1 AR102772 A1 AR 102772A1 AR P150103840 A ARP150103840 A AR P150103840A AR P150103840 A ARP150103840 A AR P150103840A AR 102772 A1 AR102772 A1 AR 102772A1
Authority
AR
Argentina
Prior art keywords
validation
payment
prepaid balance
transaction
transaction amount
Prior art date
Application number
ARP150103840A
Other languages
English (en)
Inventor
Acosta Marina
Original Assignee
Mastercard International 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
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of AR102772A1 publication Critical patent/AR102772A1/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un método para procesar una transacción de pago utilizando una tarjeta de pago híbrida incluye: almacenar, un perfil de cuenta, el perfil incluye datos relacionados con una tarjeta de pago híbrida que incluye un saldo de prepago y una asignación de crédito, recibir una solicitud de validación, la solicitud incluye una cantidad de transacción; procesar, la solicitud de validación recibida, el procesamiento incluye: generar una respuesta de validación positiva y una transacción de validación que indique que se hace el pago utilizando el saldo de prepago si el saldo de prepago es mayor que la cantidad de transacción, generar una respuesta de validación positiva y una transacción de validación que indique que se hace el pago utilizando la asignación de crédito si el saldo de prepago es menor que la cantidad de transacción y si la asignación de crédito es mayor que la cantidad de transacción, y generar una respuesta de validación negativa si el saldo de prepago y la asignación de crédito son menores que la cantidad de transacción; y transmitir la respuesta de validación generada.
ARP150103840A 2014-11-26 2015-11-24 Método y sistema para tarjeta de pago híbrida, habilitada para transporte AR102772A1 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US14/554,540 US10210509B2 (en) 2014-11-26 2014-11-26 Method and system for hybrid transportation-enabled payment card

Publications (1)

Publication Number Publication Date
AR102772A1 true AR102772A1 (es) 2017-03-22

Family

ID=54705118

Family Applications (1)

Application Number Title Priority Date Filing Date
ARP150103840A AR102772A1 (es) 2014-11-26 2015-11-24 Método y sistema para tarjeta de pago híbrida, habilitada para transporte

Country Status (10)

Country Link
US (1) US10210509B2 (es)
EP (1) EP3026619A1 (es)
AR (1) AR102772A1 (es)
CL (1) CL2015003457A1 (es)
HK (1) HK1225484A1 (es)
MX (1) MX363933B (es)
PE (1) PE20170754A1 (es)
SA (1) SA115370095B1 (es)
UY (1) UY36409A (es)
WO (1) WO2016085603A1 (es)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10210509B2 (en) 2014-11-26 2019-02-19 Mastercard International Incorporated Method and system for hybrid transportation-enabled payment card
CN108604346B (zh) * 2016-10-31 2022-05-10 华为技术有限公司 一种交易方法、支付设备、验证设备和服务器
US11544781B2 (en) 2017-12-23 2023-01-03 Mastercard International Incorporated Leveraging a network “positive card” list to inform risk management decisions
US20230059546A1 (en) * 2021-08-17 2023-02-23 Mastercard Asia/Pacific Pte. Ltd. Access Control System
CN114219494A (zh) * 2021-12-07 2022-03-22 中信银行股份有限公司 一种重复型支付指令验证方法及系统
CN114881770A (zh) * 2022-05-31 2022-08-09 中国银行股份有限公司 基于区块链的交易数据处理方法、装置和服务器

Family Cites Families (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020021488A (ko) 2000-09-15 2002-03-21 이경우 직불 겸용 방식의 신용 카드 결제 시스템 및 방법
US20070136194A1 (en) * 2005-12-14 2007-06-14 David Sloan Hybrid card
KR20070072807A (ko) 2006-01-02 2007-07-05 주식회사 비즈모델라인 체크카드(또는 직불카드)의 결제 승인처리 방법 및 시스템과 이를 위한 기록매체
US20100057580A1 (en) 2008-08-28 2010-03-04 Radha Raghunathan Unified payment card
US8751376B1 (en) * 2008-09-15 2014-06-10 Galileo Processing, Inc. Financial instrument having credit and pre-paid characteristics
US20110276420A1 (en) 2008-09-17 2011-11-10 Robert White Cash card system
KR20080110722A (ko) * 2008-12-02 2008-12-19 주식회사 비즈모델라인 결제 처리 방법
KR20090129385A (ko) 2009-10-28 2009-12-16 주식회사 한국스마트카드 신용카드 결제 기능과 선불카드 결제 기능을 포함하는 스마트카드의 결제 방법
KR101030896B1 (ko) * 2010-03-16 2011-04-22 주식회사 지에스리테일 하이브리드 카드와 하이브리드 카드 결제 시스템 및 이의 동작 방법
CA2726781A1 (en) * 2010-12-29 2012-06-29 Evgeny Lishak Methods of offline fare collection for open-loop and hybrid card systems
US8458094B2 (en) * 2011-01-27 2013-06-04 Bank Of America Corporation Secured charge card
US11055686B2 (en) * 2012-08-08 2021-07-06 E2Interactive, Inc. S/M for providing, reloading, and redeeming stored value cards used in transit applications
US20140136353A1 (en) * 2012-11-15 2014-05-15 Wallaby Financial Inc. System and method for optimizing card usage in a payment transaction
US20160012465A1 (en) * 2014-02-08 2016-01-14 Jeffrey A. Sharp System and method for distributing, receiving, and using funds or credits and apparatus thereof
US10210509B2 (en) 2014-11-26 2019-02-19 Mastercard International Incorporated Method and system for hybrid transportation-enabled payment card

Also Published As

Publication number Publication date
SA115370095B1 (ar) 2019-08-26
US10210509B2 (en) 2019-02-19
PE20170754A1 (es) 2017-07-04
UY36409A (es) 2016-01-29
HK1225484A1 (zh) 2017-09-08
US20160148195A1 (en) 2016-05-26
CL2015003457A1 (es) 2016-09-30
WO2016085603A1 (en) 2016-06-02
MX2015015914A (es) 2016-05-26
EP3026619A1 (en) 2016-06-01
MX363933B (es) 2019-04-08

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