MD3964C2 - Procedeu de extragere a numerarului de la bancomate, fără card, folosind ordinul de plată prin SMS - Google Patents

Procedeu de extragere a numerarului de la bancomate, fără card, folosind ordinul de plată prin SMS Download PDF

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Publication number
MD3964C2
MD3964C2 MDA20070032A MD20070032A MD3964C2 MD 3964 C2 MD3964 C2 MD 3964C2 MD A20070032 A MDA20070032 A MD A20070032A MD 20070032 A MD20070032 A MD 20070032A MD 3964 C2 MD3964 C2 MD 3964C2
Authority
MD
Moldova
Prior art keywords
cash
withdrawal
card
via sms
order via
Prior art date
Application number
MDA20070032A
Other languages
English (en)
Russian (ru)
Other versions
MD3964B2 (ro
Inventor
ДЕЛГАДО Аврора МАТЕО
Пилар ФЕРНАНДИ ХЕРМОСИЛЛА
Жуан ПЕРЕЗ ГОМЕЗ
Original Assignee
Bankinter А.О.
Caja De Ahorros De Galicia
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 Bankinter А.О., Caja De Ahorros De Galicia filed Critical Bankinter А.О.
Publication of MD3964B2 publication Critical patent/MD3964B2/ro
Publication of MD3964C2 publication Critical patent/MD3964C2/ro

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • 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]

Landscapes

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

Abstract

Invenţia se referă la procedeele de extragere a numerarului de la bancomate, fără a utiliza un card, un cont sau alt mijloc de extragere a banilor.Conform procedeului, numerarul se extrage în urma ordinului de plată transmis prin SMS, iar un administrator sau client foloseşte un telefon mobil pentru a transmite ordinul de plată pentru extragerea unei anumite sume de bani de către o terţă parte care, datorită informaţiei primite prin telefonul mobil, poate extrage suma de bani respectivă de la orice bancomat potrivit pentru acest scop, având ca mijloc de securitate un cod PIN exclusiv pentru fiecare operaţiune, care este cunoscut doar de administrator sau client şi de beneficiar.
MDA20070032A 2004-07-05 2004-07-05 Procedeu de extragere a numerarului de la bancomate, fără card, folosind ordinul de plată prin SMS MD3964C2 (ro)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2004/000321 WO2006013218A1 (es) 2004-07-05 2004-07-05 Método para la disposición de efectivo en cajeros sin tarjeta, mediante una orden de pago vía sms

Publications (2)

Publication Number Publication Date
MD3964B2 MD3964B2 (ro) 2009-09-30
MD3964C2 true MD3964C2 (ro) 2010-04-30

Family

ID=35786890

Family Applications (1)

Application Number Title Priority Date Filing Date
MDA20070032A MD3964C2 (ro) 2004-07-05 2004-07-05 Procedeu de extragere a numerarului de la bancomate, fără card, folosind ordinul de plată prin SMS

Country Status (15)

Country Link
US (1) US8725640B2 (ro)
EP (1) EP1783676A1 (ro)
CN (1) CN1998016A (ro)
AR (1) AR050073A1 (ro)
AU (1) AU2004322079B2 (ro)
BR (1) BRPI0418951A (ro)
CA (1) CA2612618C (ro)
IL (1) IL180583A0 (ro)
IS (1) IS8601A (ro)
MD (1) MD3964C2 (ro)
MX (1) MX2007000038A (ro)
NO (1) NO20070652L (ro)
PE (1) PE20060413A1 (ro)
UY (1) UY29001A1 (ro)
WO (1) WO2006013218A1 (ro)

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TWI703528B (zh) * 2018-01-15 2020-09-01 玉山商業銀行股份有限公司 視覺化呈現自動提款機佈點營運狀態的方法
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Also Published As

Publication number Publication date
CA2612618C (en) 2013-08-13
US8725640B2 (en) 2014-05-13
CA2612618A1 (en) 2006-02-09
NO20070652L (no) 2007-04-02
PE20060413A1 (es) 2006-05-26
IS8601A (is) 2007-02-02
MD3964B2 (ro) 2009-09-30
MX2007000038A (es) 2007-09-25
AU2004322079A1 (en) 2006-02-09
UY29001A1 (es) 2005-08-31
US20100042543A1 (en) 2010-02-18
IL180583A0 (en) 2007-06-03
AR050073A1 (es) 2006-09-27
AU2004322079B2 (en) 2010-10-07
WO2006013218A8 (es) 2006-03-30
EP1783676A1 (en) 2007-05-09
CN1998016A (zh) 2007-07-11
BRPI0418951A (pt) 2007-12-11
WO2006013218A1 (es) 2006-02-09

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