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1. WO2020070721 - SYSTEM AND METHOD FOR EASY AND SECURE TRANSACTIONS IN SOCIAL NETWORKS FOR MOBILE DEVICES

Publication Number WO/2020/070721
Publication Date 09.04.2020
International Application No. PCT/IB2019/058495
International Filing Date 04.10.2019
IPC
G06F 21/31 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
G06Q 20/10 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer systems; specially adapted for home banking systems
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
CPC
G06F 21/31
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
G06Q 20/40
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
Applicants
  • BANCO DAVIVIENDA S.A. [CO]/[CO]
Inventors
  • DIAZGRANADOS BOLÍVAR, Camila Andrea
  • ESPINEL PINZÓN, Rafael Esteban
  • ESPINOSA ALARCÓN, José Israel
  • GALVIS GUTÍERREZ, Diana Maritza
  • GUERRERO CALDERÓN, David Guillermo
  • MOSQUERA FERNANDEZ DE CASTRO, Juan Pablo Alfonso
  • PADILLA YAÑEZ, Yesika
  • SÁNCHEZ CUADROS, Rafael
Agents
  • OLARTE, Carlos R.
Priority Data
NC2018/001077405.10.2018CO
Publication Language Spanish (ES)
Filing Language Spanish (ES)
Designated States
Title
(EN) SYSTEM AND METHOD FOR EASY AND SECURE TRANSACTIONS IN SOCIAL NETWORKS FOR MOBILE DEVICES
(ES) SISTEMA Y MÉTODO PARA TRANSACCIONES FÁCILES Y SEGURAS EN REDES SOCIALES PARA DISPOSITIVOS MÓVILES
(FR) SYSTÈME ET PROCÉDÉ POUR TRANSACTIONS SIMPLES ET SÉCURISÉES SUR DES RÉSEAUX SOCIAUX POUR DISPOSITIFS MOBILES
Abstract
(EN)
The present invention relates to a system and a method for easy and secure transactions in social networks for mobile devices, such as a mobile phone, a tablet, or any other device with Internet access, which form part of the system, and also using technical elements, such as a computer or other electronic device with communication elements that has Internet access, which are located elsewhere and which, in turn, form part of the same system, receive, process, convert and/or emit data. The method is performed to carry out an easy, secure and immediate financial transaction by means of social networks, on the basis of commands marked with predefined labels, taking necessary information from the emitter and receiver of the transaction and generating the validation and authorisation of the transaction through an application, which can be a non-native progressive Web application or a conventional native application, wherein the system is the tangible part that allows the method to be performed to carry out a secure, easy and immediate transaction using social networks.
(ES)
La presente divulgación, se refiere a un sistema y un método para transacciones fáciles y seguras en redes sociales para dispositivos móviles tales como un teléfono móvil, una tableta, o cualquier otro dispositivo con acceso a internet el cual hacen parte del sistema, asimismo, mediante elementos técnicos tales como un computador u otro dispositivo electrónico con elementos de comunicación que tenga acceso a internet que se encuentran ubicados en otro lugar y que a su vez hacen parte del mismo sistema, reciben, procesan, transforman, y/o emiten datos en donde se lleva a cabo el método para realizar una transacción financiera fácil, segura e inmediata por medio de redes sociales a partir de comandos marcados con etiquetas predefinidas, que toma información necesaria tanto del emisor como del receptor de la transacción y genera la validación y autorización de la transacción a través de una aplicación, que puede ser una aplicación web progresiva no nativa o una aplicación nativa convencional, en donde el sistema es la parte tangible que permite realizar el método para efectuar una transacción segura, fácil e inmediata, mediante el empleo de redes sociales.
(FR)
La présente invention concerne un système et un procédé pour des transactions simples et sécurisées sur des réseaux sociaux pour dispositifs mobiles tels qu'un téléphone mobile, une tablette ou un quelconque autre dispositif à accès à Internet, lesquels font partie du système, au moyen d'éléments techniques comme un ordinateur ou un autre dispositif électronique avec des éléments de communication qui ont accès à Internet, sont situés à un autre endroit et, à la fois, font partie du même système, reçoivent, traitent, transforment et/ou émettent des données. Le procédé est exécuté pour effectuer une transaction financière simple, sûre et immédiate par le biais des réseaux sociaux à partir de commandes marquées avec des étiquettes prédéfinies, prélève les informations nécessaires aussi bien de l'émetteur que du destinataire de la transaction et génère la validation et l'autorisation de la transaction par l'intermédaire d'une application, qui peut être une application web progressive non native ou une application native classique, ledit système constituant la partie tangible qui permet de réaliser le procédé pour effectuer une transaction sûre, facile et immédiate, au moyen des réseaux sociaux.
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