BRPI0703112A2 - system and method for mobile credit transfer - Google Patents
system and method for mobile credit transferInfo
- Publication number
- BRPI0703112A2 BRPI0703112A2 BRPI0703112-2A BRPI0703112A BRPI0703112A2 BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2 BR PI0703112 A BRPI0703112 A BR PI0703112A BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2
- Authority
- BR
- Brazil
- Prior art keywords
- credit
- mobile device
- otp
- well
- payee
- Prior art date
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—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
- G06Q20/30—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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
Abstract
SISTEMA E METODO PARA TRANSFERENCIA DE CRéDITOS COM USO DE DISPOSITIVO MóVEL. Sistema e método de transferência de créditos com uso de dispositivo móvel, utilizando os recursos oferecidos pelas redes de comunicação sem fio e as facilidades de processamento presentes em dispositivos móveis tais como celulares, paim tops, computadores de mão e assemelhados. O sistema compreende uma unidade autorizadora de crédito (18), um provedor (16) dotado de memória capaz de armazenar pelo menos um aplicativo específico capaz de gerar senhas de uso único (OTP) bem como meios de transferir dito aplicativo para a memória de um dispositivo móvel (15) portado por um favorecido, bem como uma unidade validadora (17) de senhas de uso único (OTP). O dito dispositivo móvel possui meios de processamento de programas e de dados, bem como capacidade de estabelecer enlaces de comunicações sem fio. O método compreende o carregamento no dito dispositivo móvel (15) de um software capaz de gerar senhas de uso único (OTP) a partir de dados exclusivos do favorecido podendo estes dados incluir, ainda, o valor do crédito utilizado e outras informações. O crédito pode ser utilizado num local de disponibilização de crédito provido de ATM, terminal de ponto de venda, guichê de instituição financeira ou equivalente.CREDIT TRANSFER SYSTEM AND METHOD WITH MOBILE DEVICE. System and method of credit transfer using a mobile device, utilizing the capabilities offered by wireless communication networks and the processing facilities present in mobile devices such as cell phones, palm tops, handheld computers and the like. The system comprises a credit authorization unit (18), a memory provider (16) capable of storing at least one specific application capable of generating single use passwords (OTP) as well as means of transferring that application to the memory of a mobile device (15) carried by a payee as well as a one-time password validator (17) unit (OTP). Said mobile device has program and data processing means as well as the ability to establish wireless communications links. The method comprises loading on said mobile device (15) a software capable of generating one-time passwords (OTP) from the payee's exclusive data and may include the amount of credit used and other information. The credit may be used at a credit facility provided with an ATM, point of sale terminal, financial institution window or equivalent.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
BRPI0703112-2A BRPI0703112A2 (en) | 2007-07-19 | 2007-07-19 | system and method for mobile credit transfer |
PCT/BR2008/000209 WO2009009852A2 (en) | 2007-07-19 | 2008-07-21 | A system and a method for transferring credits using a mobile device |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
BRPI0703112-2A BRPI0703112A2 (en) | 2007-07-19 | 2007-07-19 | system and method for mobile credit transfer |
Publications (1)
Publication Number | Publication Date |
---|---|
BRPI0703112A2 true BRPI0703112A2 (en) | 2009-07-21 |
Family
ID=40260115
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
BRPI0703112-2A BRPI0703112A2 (en) | 2007-07-19 | 2007-07-19 | system and method for mobile credit transfer |
Country Status (2)
Country | Link |
---|---|
BR (1) | BRPI0703112A2 (en) |
WO (1) | WO2009009852A2 (en) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
NO332479B1 (en) * | 2009-03-02 | 2012-09-24 | Encap As | Procedure and computer program for verifying one-time password between server and mobile device using multiple channels |
US9536240B2 (en) | 2014-07-21 | 2017-01-03 | Paypal, Inc. | Secure cardless cash withdrawal |
Family Cites Families (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI19992343A (en) * | 1999-10-29 | 2001-04-30 | Nokia Mobile Phones Ltd | A method and arrangement for reliably identifying a user on a computer system |
JP3678417B2 (en) * | 2002-04-26 | 2005-08-03 | 正幸 糸井 | Personal authentication method and system |
US20040139014A1 (en) * | 2003-01-09 | 2004-07-15 | Yuh-Shen Song | Anti-fraud remote cash transaction system |
ES2263344B1 (en) * | 2004-07-30 | 2007-11-16 | Jose Ignacio Bas Bayod | METHOD FOR PERFORMING SECURE PAYMENT OR COLLECTION TRANSACTIONS, USING PROGRAMMABLE MOBILE PHONES. |
US20060136739A1 (en) * | 2004-12-18 | 2006-06-22 | Christian Brock | Method and apparatus for generating one-time password on hand-held mobile device |
-
2007
- 2007-07-19 BR BRPI0703112-2A patent/BRPI0703112A2/en not_active Application Discontinuation
-
2008
- 2008-07-21 WO PCT/BR2008/000209 patent/WO2009009852A2/en active Application Filing
Also Published As
Publication number | Publication date |
---|---|
WO2009009852A2 (en) | 2009-01-22 |
WO2009009852A3 (en) | 2009-11-12 |
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Legal Events
Date | Code | Title | Description |
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B06G | Technical and formal requirements: other requirements [chapter 6.7 patent gazette] |
Free format text: SOLICITA-SE A REGULARIZACAO DA PROCURACAO, UMA VEZ QUE BASEADO NO ARTIGO 216 1O DA LPI, O DOCUMENTO DE PROCURACAO DEVE SER APRESENTADO EM SUA FORMA AUTENTICADA; OU SEGUNDO O PARECER DA PROCURADORIA NO 074/93, DEVE CONSTAR UMA DECLARACAO DE VERACIDADE, A QUAL DEVE SER ASSINADA POR UMA PESSOA DEVIDAMENTE AUTORIZADA A REPRESENTAR O INTERESSADO, DEVENDO A MESMA CONSTAR NO INSTRUMENTO DE PROCURACAO, OU NO SEU SUBSTABELECIMENTO. |
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B03A | Publication of a patent application or of a certificate of addition of invention [chapter 3.1 patent gazette] | ||
B25G | Requested change of headquarter approved |
Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP) |
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B25G | Requested change of headquarter approved |
Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP) |
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B25A | Requested transfer of rights approved |
Owner name: BR INDUSTRIA E COMERCIO DE PRODUTOS E TECNOLOGIA E |
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B25D | Requested change of name of applicant approved |
Owner name: OKI BRASIL INDUSTRIA E COMERCIO DE PRODUTOS E TECN |
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B07A | Application suspended after technical examination (opinion) [chapter 7.1 patent gazette] | ||
B15K | Others concerning applications: alteration of classification |
Ipc: G06F 21/31 (2013.01), G06Q 20/06 (2012.01), G06Q 2 |
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B09B | Patent application refused [chapter 9.2 patent gazette] | ||
B09B | Patent application refused [chapter 9.2 patent gazette] |
Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL |