<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1909-8367</journal-id>
<journal-title><![CDATA[Entre Ciencia e Ingeniería]]></journal-title>
<abbrev-journal-title><![CDATA[Entre Ciencia e Ingenieria]]></abbrev-journal-title>
<issn>1909-8367</issn>
<publisher>
<publisher-name><![CDATA[Universidad Católica de Pereira]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1909-83672023000200015</article-id>
<article-id pub-id-type="doi">10.31908/19098367.2775</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[Desarrollo e implementación de tecnologías Informáticas para procesos de pago inmediato de bajo monto a través de transferencias electrónicas]]></article-title>
<article-title xml:lang="en"><![CDATA[Development and implementation of computer technologies, for processes of immediate payment of low amounts, through electronic transfers]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Ayala]]></surname>
<given-names><![CDATA[E. L.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Fuquen]]></surname>
<given-names><![CDATA[H.S.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Sánchez]]></surname>
<given-names><![CDATA[C.M.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Vargas]]></surname>
<given-names><![CDATA[L. M.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Rojas]]></surname>
<given-names><![CDATA[M.]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,ACH Colombia  ]]></institution>
<addr-line><![CDATA[Bogotá ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,COLINNOVACION  ]]></institution>
<addr-line><![CDATA[Bogotá ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af3">
<institution><![CDATA[,COLINNOVACION  ]]></institution>
<addr-line><![CDATA[Bogotá ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af4">
<institution><![CDATA[,ACH Colombia  ]]></institution>
<addr-line><![CDATA[Bogotá ]]></addr-line>
<country>Colombia</country>
</aff>
<aff id="Af5">
<institution><![CDATA[,ACH Colombia  ]]></institution>
<addr-line><![CDATA[Bogotá ]]></addr-line>
<country>Colombia</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>12</month>
<year>2023</year>
</pub-date>
<volume>17</volume>
<numero>34</numero>
<fpage>15</fpage>
<lpage>22</lpage>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_arttext&amp;pid=S1909-83672023000200015&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_abstract&amp;pid=S1909-83672023000200015&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.co/scielo.php?script=sci_pdf&amp;pid=S1909-83672023000200015&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen El presente artículo muestra el resultado del proyecto de innovación desarrollado por ACH Colombia donde se diseña un nuevo servicio de transferencias inmediatas de bajos montos persona a persona sustentado en plataformas informáticas utilizando las herramientas de mayor grado tecnológico disponible como son el Blockchain (cadena de bloques) para asegurar altos niveles de confiabilidad y seguridad. Se crea un ecosistema de pagos al involucrar a las principales entidades financieras colombianas con el fin de brindar servicios de pagos entre sus usuarios de manera inmediata, disminuyendo el uso de efectivo. Esta propuesta aprovecha la amplia adopción de teléfonos móviles y el acceso a internet para desarrollar este sistema de procesos transaccionales que facilitan las operaciones de compra y pagos de usuarios finales. Se realiza una revisión de las tecnologías a tener en cuenta en el desarrollo de medios de pago. También se recapitula una revisión bibliográfica de casos de sistemas de pago inmediato, se muestra la implementación metodológica de este sistema de pagos y se muestran los resultados finales.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[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 the 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 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. A review of characteristics and technologies is shown for the design of means of payment. A recapitulation of cases regarding immediate payment systems is accomplished, and the methodological implementation of this payment system and final results are shown.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[Ciberseguridad]]></kwd>
<kwd lng="es"><![CDATA[transferencias inmediatas]]></kwd>
<kwd lng="es"><![CDATA[Seguridad Informática]]></kwd>
<kwd lng="es"><![CDATA[Servicios Financieros]]></kwd>
<kwd lng="es"><![CDATA[Sistemas de pago persona a persona]]></kwd>
<kwd lng="es"><![CDATA[Transferencias electrónicas bancarias]]></kwd>
<kwd lng="en"><![CDATA[Computer Security]]></kwd>
<kwd lng="en"><![CDATA[Cybersecurity]]></kwd>
<kwd lng="en"><![CDATA[Electronic bank transfers]]></kwd>
<kwd lng="en"><![CDATA[Financial services]]></kwd>
<kwd lng="en"><![CDATA[Immediate payments]]></kwd>
<kwd lng="en"><![CDATA[Mobile payment]]></kwd>
<kwd lng="en"><![CDATA[Person-to-Person payment system]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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