MA20150094A2 - Arrangements and methods for instant interpersonal mobile payment - Google Patents

Arrangements and methods for instant interpersonal mobile payment

Info

Publication number
MA20150094A2
MA20150094A2 MA36195A MA36195A MA20150094A2 MA 20150094 A2 MA20150094 A2 MA 20150094A2 MA 36195 A MA36195 A MA 36195A MA 36195 A MA36195 A MA 36195A MA 20150094 A2 MA20150094 A2 MA 20150094A2
Authority
MA
Morocco
Prior art keywords
service
payment
mobile phone
money
interpersonal
Prior art date
Application number
MA36195A
Other languages
French (fr)
Inventor
Jawad Saadi
Original Assignee
Jawad Saadi
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 Jawad Saadi filed Critical Jawad Saadi
Priority to MA36195A priority Critical patent/MA20150094A2/en
Priority to PCT/MA2014/000017 priority patent/WO2015023172A2/en
Publication of MA20150094A2 publication Critical patent/MA20150094A2/en

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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone networks
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • 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
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention porte sur un nouveau service de paiement mobile interpersonnel instantané ( p2p) basé sur de nouveaux agencements et procédés utilisant et associant des cartes dites duales (cd) ou classiques (c) de paiement et de retrait aux guichets automatiques bancaires (gab) rechargeables. L'invention doit permettre de façon générale à un utilisateur de téléphone mobile de transférer de l'argent en toute heure et instantanément à un autre utilisateur de téléphone mobile. Ce dernier peut alors retirer cet argent au premier guichet automatique rencontré (gab) ou le dépenser en payant un service donnée par le biais de sa carte de retrait de paiement. L'invention apporte dès lors une réponse technique au problème majeur de l'instatnéité des virements monétiques mobiles. Sur le plan économique, le service objet de l'invention est de par sa nature un service orienté marché destiné au secteur bancaire. Ce service est susceptible d'application industrielle en plus d'être accessible au plus grand nombre possible d'utilisateurs de téléphones portables et ce qu'ils aient un compte courtant bancaire ou non. Enfin, les nouveaux procédés sous-jacents au service en question relèvent aussi bien du domaine du (m)-payment que du domaine du (m)-banking.A new instant interpersonal mobile payment (p2p) service based on new arrangements and methods using and associating dual (cd) or classic (c) payment and withdrawal cards at ATMs (gab) rechargeable. The invention should generally allow a mobile phone user to transfer money at any time and instantly to another mobile phone user. The latter can then withdraw the money at the first ATM met (gab) or spend it by paying a given service through its debit card. The invention therefore provides a technical answer to the major problem of the instability of mobile money transfers. On the economic level, the service object of the invention is by its nature a market-oriented service for the banking sector. This service is susceptible of industrial application in addition to being accessible to as many mobile phone users as possible and whether they have a bank account or not. Finally, the new processes underlying the service in question fall within the domain of (m) -payment as well as (m) -banking.

MA36195A 2013-08-16 2013-08-16 Arrangements and methods for instant interpersonal mobile payment MA20150094A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
MA36195A MA20150094A2 (en) 2013-08-16 2013-08-16 Arrangements and methods for instant interpersonal mobile payment
PCT/MA2014/000017 WO2015023172A2 (en) 2013-08-16 2014-08-15 Systems and methods for instantaneous interpersonal mobile payment (p2p)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
MA36195A MA20150094A2 (en) 2013-08-16 2013-08-16 Arrangements and methods for instant interpersonal mobile payment

Publications (1)

Publication Number Publication Date
MA20150094A2 true MA20150094A2 (en) 2015-03-31

Family

ID=51862499

Family Applications (1)

Application Number Title Priority Date Filing Date
MA36195A MA20150094A2 (en) 2013-08-16 2013-08-16 Arrangements and methods for instant interpersonal mobile payment

Country Status (2)

Country Link
MA (1) MA20150094A2 (en)
WO (1) WO2015023172A2 (en)

Families Citing this family (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US11615401B1 (en) 2014-04-30 2023-03-28 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
SG11201903337YA (en) * 2016-10-28 2019-05-30 Jpmorgan Chase Bank Na Application of distributed ledgers for network payments as financial exchange settlement and reconciliation
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0514602D0 (en) * 2005-07-15 2005-08-24 Taylor Robert J R A method of enabling a user to purchase a utility and a system therefor

Also Published As

Publication number Publication date
WO2015023172A2 (en) 2015-02-19
WO2015023172A3 (en) 2015-04-09

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