Desarrollo e implementación de tecnologías informáticas para procesos de pago inmediato de bajo monto a través de transferencias electrónicas

Abstract

The article shows the result of the innovation project developed by ACH Colombia, where a new service for immediate transfers of low amounts person to person was designed, supported by computer platforms adopting highest technological level tools available, such as Blockchain (chain of blocks), warranting high levels of reliability and security.  A payment ecosystem was integrated associating the main Colombian financial entities in order to provide immediate payment services among their users, reducing the use of cash.  This proposal takes advantage of the wide adoption of mobile phones and internet access to develop a system of transactional processes that facilitate the purchase and payment operations of end users.  In this article, a review of the characteristics and technologies to take into account in the design of means of payment is executed, a review of cases of immediate payment systems is accomplished, the methodological implementation of this payment system is shown, and the results obtained.