EP3210178A1 - Système et procédé de paiement différé mobile - Google Patents

Système et procédé de paiement différé mobile

Info

Publication number
EP3210178A1
EP3210178A1 EP15817608.1A EP15817608A EP3210178A1 EP 3210178 A1 EP3210178 A1 EP 3210178A1 EP 15817608 A EP15817608 A EP 15817608A EP 3210178 A1 EP3210178 A1 EP 3210178A1
Authority
EP
European Patent Office
Prior art keywords
mobile
check
payer
bank
payee
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP15817608.1A
Other languages
German (de)
English (en)
Inventor
Gurhan CAM
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Denizbank AS
Original Assignee
Denizbank AS
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 Denizbank AS filed Critical Denizbank AS
Publication of EP3210178A1 publication Critical patent/EP3210178A1/fr
Withdrawn legal-status Critical Current

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
    • G06Q20/08—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
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • 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]
    • G06Q20/3221—Access to banking information through M-devices
    • 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
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/407—Cancellation of a transaction

Definitions

  • the present invention relates to a mobile payment system and method which enables to solve bouncing problems in deferred payment transactions and to follow the payment which is made.
  • check is method for payment used for a person to pay another person.
  • the payer has a check book given by the bank, they write a due date and sign it, the payee goes to the related bank with the check when its due date comes, and withdraws the money from the payer account.
  • the payer should go the bank branch and request for a check book, and should wait for the delivery process for the bank.
  • the check book ends the process starts over. Additionally, in case there is no sufficient amount in the payer's account, the checks cannot be written since the payee cannot be paid.
  • United States Patent Document no US2010198733 an application known in the state of the art, discloses a payment method realized for a paperless check.
  • mobile devices of two people are used for payment.
  • the checks can be endorsed over a third party by using mobile devices.
  • Another objective of the present invention is to provide a mobile deferred payment system and method which enables to guarantee that the payee receives the payment in time.
  • a further objective of the present invention is to provide a mobile deferred payment system and method wherein there is no obligation to be a bank customer in order to receive payment and transfer the received payments.
  • Yet another objective of the present invention is to provide a mobile deferred payment system and method in which the users can become indebted in an instant with time by means of the overdraft account limit with their smart mobile devices and can make transaction with payment guarantee for the payee.
  • Figure 1 is steps of the mobile deferred payment method.
  • Figure 2 is the steps of mobile endorsing method.
  • Figure 3 is the steps of mobile check cancellation method.
  • Figure 4 is the steps of mobile check allowance method.
  • the former check holder entering to a mobile application via a smart device
  • the payer entering to a mobile application via a smart device 302.
  • the payer entering the check cancellation request to the mobile application 302.
  • the bank depositing the related amount to the account of the check holder.
  • a mobile deferred payment system which enables to make money transfer 7/24 and follow the transactions that are made via a mobile application, essentially comprises
  • At least one smart device which the payer and/or payee uses,
  • At least one application server which is on the smart device and enables wireless data communication
  • At least one bank server which transfers the information which are entered to the bank.
  • data transfer is made via internet by using data network.
  • a mobile deferred payment method (100) which enables to make money transfer 7/24 and follow the transactions that are made via a mobile application, essentially comprises
  • the information are entered through the application and the mobile check is prepared virtually, in one embodiment of the invention the limit of the mobile check is determined according to the overdraft account (OA) limit allocated by the bank.
  • OA overdraft account
  • the inventive mobile deferred payment method (100) when the user registers to the application as the payer or the payee, preferably half of the amount of the noncash loan limit, if there is determined by the bank to them is determined.
  • This credit limit can be called as mobile term in the application.
  • the users can increase this credit limit through the bank branch.
  • OA is a kind of non-cash credit.
  • the payee enters into the mobile application through a smart device (101).
  • the smart device can be a phone or a tablet. They enter the mobile phone number of the payee and the due date in order to send a check to the payee (102).
  • name or e-mail address of the payee can be entered. The said phone number, name, and the e-mail address are associated with the drawing account of the user, this information is requested from the payer during application and the users are registered to the application server with their phone numbers.
  • the use of the inventive mobile deferred payment method (100) is not limited to certain days and periods.
  • the user can make check payment or check collection whenever they want.
  • the data entered to the mobile application are transferred to a bank server through an application (103).
  • the mobile check limit of the payer is queried in the bank server (104).
  • the information is sent to the application server as a result of the query performed by the bank server if the mobile check limit of the payer is sufficient (105).
  • the amount transferred by the payer is blocked by the bank server in the drawing account of the payer (106).
  • the application server transfers the mobile check generated by the payer to the smart device of the payee in order to present to the confirmation of the payee (107).
  • the process of sending for the confirmation of the user is performed through the application in the smart device in an embodiment of the invention, while confirmation is made via SMS in another embodiment of the invention.
  • the payer can cancel the check through the mobile application.
  • the payee application server informs. In one embodiment of the invention, this notification can be sent to the payee's phone via SMS, or it can be followed through the application server.
  • due checks are collected from the drawing account if the balance of the payer is enough, and they are collected from the overdraft account (OA) generated for credit limit called as granted date opened for them by the bank if the balance is not enough; the drawing account used according to the payment sent by the payer is closed.
  • OA is a non-cash credit limit
  • other non-cash credit limits can be used in other embodiments of the present invention. For example, if the payer writes a check of 1000 TL, a limit of 1000 TL in the granted limit is blocked. If the payee is a bank client, the amount which is sent is transferred to the client account; if they are not bank client, the amount is transferred to a bag account formed for project. By means of this payment form, the payments that are made are guaranteed by the bank.
  • the payer is notified by the application server.
  • the limit blocked by the bank is again opened to the use of the payer.
  • the inventive mobile deferred payment method (100) there is no obligation that the payee uses a mobile application. If the payee does not use the mobile application, the received payments and the transactions can be confirmed via SMS.
  • the check holder can turn over the check to another person with mobile endorsing method (200).
  • the former check holder enters to the mobile application through a smart device (201).
  • the former check holder enters the mobile phone number of the new check holder (202).
  • the name of the new payee, the amount to be transferred or the due date information can be entered as well as the mobile phone number.
  • the entered data are transferred to a bank server through an application server (203).
  • the application server transfers the check turned over by the former check holder to the smart device of the new check holder in order to present it for the confirmation of the new check holder (204). If the new check holder confirms the check, the check turnover transaction is performed.
  • the check confirmed by the new payee is listed under the step of "Endorsed checks" present in the mobile application. In case the new check holder does not confirm the check, the former check holder is notified by the application server.
  • mobile check cancellation method (300) is performed through a mobile application.
  • the payer enters to a mobile application via a smart device (301).
  • the payer enters the check cancellation request to the mobile application (302).
  • the check cancellation request is transferred to the payee through the application server (303). If the check cancellation request is accepted by the payer, the application server transfers this data to the bank server (304). The limit blocked by the bank is presented to the use of the payer again (305).
  • the check cancellation method (300) if the payee does not accept the check cancellation request sent by the payer through mobile application, cancellation is not realized.
  • the check is collected from the account of the payer when the check arrives at maturity.
  • the check holder can lend the check on security to the bank with the mobile check allowance method (400) and can request credit in cash.
  • This method comprises the steps of the check holder entering to a mobile application via a smart device if they are bank client (401), the check holder requesting a check allowance transaction through the mobile application (402), transferring the allowance request of the check holder to the bank server through the application server (403), the bank depositing the related amount to the account of the check holder (404).
  • the check holder realizes allowance transaction at the bank branch if they are not bank client; the amount is paid to the check holder in cash.

Landscapes

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

Abstract

La présente invention concerne un système et un procédé de paiement différé mobile (100) qui permet de réaliser et de recevoir un transfert d'argent différé (chèque) 24h/24 7j/7 et par l'intermédiaire desquels les informations (date d'échéance, montant, titulaire/tireur, etc.) des chèques peuvent être approuvées, écrites ou reçues par l'intermédiaire d'une application mobile, et qui fonctionnent dans des dispositifs intelligents. Le procédé de paiement différé mobile (100) comprend les étapes d'entrée dans un dispositif mobile par l'intermédiaire d'un dispositif intelligent (101), d'entrée du numéro de téléphone mobile du bénéficiaire et de la date d'échéance (102), de transfert des données entrées à un serveur de banque par l'intermédiaire d'une application (103), de demande de la limitation de chèque mobile du payeur dans le serveur de banque (104), d'envoi des informations au serveur d'application en conséquence de l'interrogation quant au point de savoir si la limite de chèque mobile du payeur est ou non suffisante (105), de blocage du montant transféré par le payeur par le serveur de banque dans le compte de retraits (106), de transfert du chèque mobile généré par le payeur au dispositif intelligent du bénéficiaire de façon à le présenter pour la confirmation du bénéficiaire (107).
EP15817608.1A 2014-10-22 2015-10-22 Système et procédé de paiement différé mobile Withdrawn EP3210178A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR201412392 2014-10-22
PCT/TR2015/050146 WO2016064365A1 (fr) 2014-10-22 2015-10-22 Système et procédé de paiement différé mobile

Publications (1)

Publication Number Publication Date
EP3210178A1 true EP3210178A1 (fr) 2017-08-30

Family

ID=55066733

Family Applications (1)

Application Number Title Priority Date Filing Date
EP15817608.1A Withdrawn EP3210178A1 (fr) 2014-10-22 2015-10-22 Système et procédé de paiement différé mobile

Country Status (2)

Country Link
EP (1) EP3210178A1 (fr)
WO (1) WO2016064365A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2020101602A2 (fr) * 2018-11-13 2020-05-22 Turkiye Garanti Bankasi Anonim Sirketi Système pour fournir une gestion financière entre des comptes bancaires

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7185805B1 (en) * 2004-08-10 2007-03-06 Transmodus, Inc. Wireless check authorization
MA30612B1 (fr) 2008-01-08 2009-08-03 Nadere Lahoucine Procede permettant la verification en temps reel de la solvabilite bancaire d'un client
US20100198733A1 (en) 2009-02-04 2010-08-05 Qualcomm Incorporated Enabling Payment Using Paperless Image Of A Check
US20110196783A1 (en) * 2010-01-11 2011-08-11 Gad Liwerant Wireless payment platform and mobile reseller system

Also Published As

Publication number Publication date
WO2016064365A1 (fr) 2016-04-28

Similar Documents

Publication Publication Date Title
US11961055B1 (en) Bill payment using direct funds transfer
US20160132884A1 (en) Real-time payments through financial institution
TWI646478B (zh) 匯款系統及方法
US20140201070A1 (en) Monetary transaction system
US20070005467A1 (en) System and method for carrying out a financial transaction
US20140244486A1 (en) Method and system of performing a money transfer
Alampay et al. Mobile 2.0: M-money for the BoP in the Philippines
JP2021135904A (ja) データ処理装置およびデータ処理方法
KR20150013950A (ko) 모바일 송금/결제
JP2013541106A5 (fr)
KR100773918B1 (ko) 모바일 전자지갑의 결제기능을 이용한 대금 청구 및 납부서비스 방법 및 그 시스템
CN110097346A (zh) 一种基于区块链的支付方式及装置
KR101464665B1 (ko) 경조금 전달 대행 서비스 시스템 및 방법
WO2016064365A1 (fr) Système et procédé de paiement différé mobile
CN113450093B (zh) 基于锥体区块链的数字零钱钱包实时共识认证方法及系统
KR102472450B1 (ko) 전자지갑을 이용한 결제대금 즉시 정산 서비스 제공 시스템
US20190188680A1 (en) Method and system applied to financial transactions via mobile or embedded devices
KR20160149596A (ko) 가상 계좌를 이용한 금융 거래 서비스 제공 방법
TW201917647A (zh) 虛擬錢包帳戶支付方法
KR20170028784A (ko) 국외 송금 서비스를 제공하는 방법 및 이를 수행하는 카드사 서버
TWI703522B (zh) 用以便利匯款之系統及方法
JP2006113816A (ja) 貯金口座自動引落システム
JP2020149316A (ja) データ処理装置、データ処理方法およびプログラム
TW202022736A (zh) 跨境繳費系統
JP7449435B1 (ja) 決済サーバ、決済方法および決済プログラム

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20170503

AK Designated contracting states

Kind code of ref document: A1

Designated state(s): AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR

AX Request for extension of the european patent

Extension state: BA ME

RIN1 Information on inventor provided before grant (corrected)

Inventor name: CAM, GURHAN

DAV Request for validation of the european patent (deleted)
DAX Request for extension of the european patent (deleted)
STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN

18D Application deemed to be withdrawn

Effective date: 20171212