UY29001A1 - Metodo para la disposicinn de efectivo en cajeros sin tarjeta mediante una orden de pago via sms - Google Patents

Metodo para la disposicinn de efectivo en cajeros sin tarjeta mediante una orden de pago via sms

Info

Publication number
UY29001A1
UY29001A1 UY29001A UY29001A UY29001A1 UY 29001 A1 UY29001 A1 UY 29001A1 UY 29001 A UY29001 A UY 29001A UY 29001 A UY29001 A UY 29001A UY 29001 A1 UY29001 A1 UY 29001A1
Authority
UY
Uruguay
Prior art keywords
cash
payment
card
via sms
cashiers
Prior art date
Application number
UY29001A
Other languages
English (en)
Inventor
Aurora Mateo Delgado
Pilar Fernandez Hermosilla
Juan Perez Gomez
Original Assignee
Bankinter Sa
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 Sa filed Critical Bankinter Sa
Publication of UY29001A1 publication Critical patent/UY29001A1/es

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
    • G06Q20/38—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; 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
    • G06Q20/30—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; 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]
    • 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
    • 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

Se describe un mctodo para la disposicinn de efectivo en cajeros en el que no es necesario el empleo, por parte del beneficiario del pago, de una tarjeta, cuenta o cualquier otro instrumento para la obtencinn de efectivo, y sin necesidad de que se realice transferencia alguna de fondo.El mctodo prevc que la disposicinn de efectivo se realice mediante una orden de pago vea SMS, permitiendo que un ordenador ordene, por medio de un telcfono mnvil, el pago de una cierta cantidad de dfinero a una tercera persona que, merced a la informacinn recibida en su telcfono mnvil, puede disponer de esa cantidad en un cajero cualquiera habilitado al efecto, disponiendo como medio de seguridad un codigo o PIN exclusivo para cada operacinn de pago concreta, y conocido unicamente por el ordenante y el beneficiario. El mctodo de pago via SMS planteado por la invencinn es especialmente aplicable a la red de cajeros y servicios ya existentes.
UY29001A 2004-07-05 2005-07-04 Metodo para la disposicinn de efectivo en cajeros sin tarjeta mediante una orden de pago via sms UY29001A1 (es)

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 (1)

Publication Number Publication Date
UY29001A1 true UY29001A1 (es) 2005-08-31

Family

ID=35786890

Family Applications (1)

Application Number Title Priority Date Filing Date
UY29001A UY29001A1 (es) 2004-07-05 2005-07-04 Metodo para la disposicinn de efectivo en cajeros sin tarjeta mediante una orden de pago via sms

Country Status (15)

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

Families Citing this family (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0704396D0 (en) * 2007-03-07 2007-04-11 Royal Bank Of Scotland Plc The Cash dispensing methods and systems
MD3666G2 (ro) * 2007-04-24 2009-07-31 Михаил БУКС Procedeu de stimulare a volumului de comercializare a mărfurilor în reţelele de comerţ cu amănuntul
EP2026266B1 (en) * 2007-07-27 2011-02-16 NTT DoCoMo, Inc. Method and apparatus for performing delegated transactions
US20090106148A1 (en) * 2007-10-17 2009-04-23 Christian Prada Pre-paid financial system
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
JO2532B1 (en) * 2008-03-09 2010-09-05 أنس محمود السهلي محمود SIM card banking system and method
WO2010125577A1 (en) * 2009-04-27 2010-11-04 Shrivastav Shourabh Cardless financial transaction
CN101882343A (zh) * 2009-05-05 2010-11-10 中国移动通信集团公司 一种对自动柜员机进行无卡操作的方法、系统及设备
US8332315B2 (en) 2009-12-08 2012-12-11 Visa International Service Association Payment message routing using geo-location
WO2011096783A1 (ru) * 2009-12-25 2011-08-11 Zhaksylykov Kayrat Khayrullovich Способ предоставления информации посредством мобильной связи
RU2459264C2 (ru) * 2010-04-16 2012-08-20 Эй-Би-Эс-Эй Бенк Лтд Снятие переведенных электронным способом средств без использования карточки
ZA201102847B (en) * 2010-04-16 2012-01-25 Absa Bank Ltd Transfer of funds to multiple recipients for cardless redemption
FR2960675B1 (fr) * 2010-05-27 2015-05-22 Christian Rene Marie Soulez Procede et systeme de teletransmission securisee
WO2012003842A1 (en) * 2010-07-08 2012-01-12 Ashraf Abdel Salam Mohammed El Disoky Method and system for payment and processing all financial operations using wireless, landline and mobile phone credit as alternative to carrying money or credit cards
US20130159191A1 (en) * 2010-08-30 2013-06-20 Infosys Limited Method and system for limiting risk in banking transactions
EP2450858A1 (en) 2010-11-04 2012-05-09 Fundosa Technosite S.A. System and method of interaction between a user and an automatic teller machine
SI23818A (sl) * 2011-07-25 2013-01-31 Marko JaneĹľiÄŤ Postopek brezgotovinskega prenosa denarnih sredstev s pomočjo plačilne kode
GB2494436A (en) 2011-09-08 2013-03-13 Royal Bank Scotland Plc Wireless payment using blind identifier
US20130268435A1 (en) * 2012-04-10 2013-10-10 Ebay Inc. Friendly funding source messaging
CN103679528A (zh) * 2012-09-26 2014-03-26 中国银联股份有限公司 给予持卡用户脱卡账号的方法及系统
FR2996663A1 (fr) * 2012-10-04 2014-04-11 Naama Bak Procede de transfert de fonds d'une personne a une autre personne
US9367837B2 (en) * 2013-03-27 2016-06-14 Glory Global Solutions (International) Limited Cash and/or financial document handling system
CN103745346A (zh) * 2013-12-27 2014-04-23 郑志豪 一种移动银行的实现方法及系统
US10515367B2 (en) * 2014-03-31 2019-12-24 Ncr Corporation Fraud detection in self-service terminal
US9536240B2 (en) * 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal
CN104269000A (zh) * 2014-10-21 2015-01-07 中国建设银行股份有限公司 一种无介质现金业务处理方法及系统
US10614442B2 (en) 2014-12-03 2020-04-07 Mastercard International Incorporated System and method of facilitating cash transactions at an ATM system without an ATM card using mobile
CN104680361B (zh) * 2015-02-05 2018-05-15 王钧 一种基于第三方平台的取现方法和系统
SG10201508945YA (en) 2015-10-29 2017-05-30 Mastercard International Inc Method and system for cardless use of an automated teller machine (atm)
CN105279694A (zh) * 2015-11-18 2016-01-27 深圳怡化电脑股份有限公司 一种处理用户取款信息的方法及装置
TWI598848B (zh) * 2016-06-01 2017-09-11 Suntech Holding Company Cardless withdrawal system with information security mechanism and its data processing method
SG11201809689VA (en) * 2016-06-29 2018-11-29 Mastercard International Inc Method and system for cardless disbursement from an automated teller machine
EP3507754A1 (en) 2016-09-04 2019-07-10 Mastercard International Incorporated Method and system for cardless atm transaction via mobile device
US20180218345A1 (en) * 2017-01-28 2018-08-02 Mastercard International Incorporated Systems and methods for processing preauthorized automated banking machine-related transactions
JP2018128975A (ja) * 2017-02-10 2018-08-16 グローリー株式会社 顧客取引システム、自動取引装置及び顧客取引方法
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
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
EP3761246A1 (en) 2018-10-31 2021-01-06 Finansoportes Consulting, S.L. Automatic cash machine set for obtaining credit and a validation machine thereof in premises with gaming machines
US11803827B2 (en) 2019-11-01 2023-10-31 Mastercard International Incorporated Method and system for enabling cardless transactions at an ATM for any institutional entity
CN111583028B (zh) * 2020-05-08 2024-01-23 孙颐 一种委托取款业务处理方法及系统

Family Cites Families (20)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB9121995D0 (en) * 1991-10-16 1991-11-27 Jonhig Ltd Value transfer system
US5650604A (en) * 1995-02-22 1997-07-22 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds
US5963647A (en) * 1997-02-14 1999-10-05 Citicorp Development Center, Inc. Method and system for transferring funds from an account to an individual
DE19718103A1 (de) * 1997-04-29 1998-06-04 Kim Schmitz Verfahren zur Autorisierung in Datenübertragungssystemen
JPH1139538A (ja) * 1997-07-15 1999-02-12 Toshiba Corp 自動取引装置と自動取引方法
US6304860B1 (en) * 1997-10-03 2001-10-16 Joseph B. Martin, Jr. Automated debt payment system and method using ATM network
US6081791A (en) * 1997-12-23 2000-06-27 U S West, Inc Enhanced ATM for facilitating telephony access
US6173272B1 (en) * 1998-04-27 2001-01-09 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
AU1206300A (en) * 1998-10-13 2000-05-01 Karen Macaluso Financial transaction system and method
US6488203B1 (en) * 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
US7617157B2 (en) * 2002-01-03 2009-11-10 The Western Union Company Method for receiving electronically transferred funds using an automated teller machine
US8065226B2 (en) * 2000-07-20 2011-11-22 Citicorp Development Center, Inc. Method and system for performing a cash transaction with a self-service financial transaction terminal
GB0027922D0 (en) 2000-11-15 2001-01-03 Haidar Mahmoud N Y Electronic payment and associated systems
US7680738B2 (en) * 2000-11-22 2010-03-16 American Express Travel Related Services Company, Inc. System and method for executing cash payments via a computer network
GB2379040A (en) 2001-08-22 2003-02-26 Int Computers Ltd Controlling user access to a remote service by sending a one-time password to a portable device after normal login
GB2379525A (en) * 2001-09-08 2003-03-12 Int Computers Ltd Electronic payment authorisation
JP2003123126A (ja) * 2001-10-16 2003-04-25 Hitachi Ltd 現金自動取引システム
US20030078987A1 (en) * 2001-10-24 2003-04-24 Oleg Serebrennikov Navigating network communications resources based on telephone-number metadata
US20040024696A1 (en) * 2002-08-02 2004-02-05 Federico Alves System for automatically transferring funds
RU2278412C1 (ru) * 2004-11-01 2006-06-20 Институт системного анализа РАН Автоматизированная система проведения финансовых платежей между участниками торговых сделок

Also Published As

Publication number Publication date
MX2007000038A (es) 2007-09-25
CA2612618C (en) 2013-08-13
BRPI0418951A (pt) 2007-12-11
US20100042543A1 (en) 2010-02-18
CA2612618A1 (en) 2006-02-09
AR050073A1 (es) 2006-09-27
EP1783676A1 (en) 2007-05-09
WO2006013218A1 (es) 2006-02-09
IL180583A0 (en) 2007-06-03
AU2004322079A1 (en) 2006-02-09
CN1998016A (zh) 2007-07-11
NO20070652L (no) 2007-04-02
AU2004322079B2 (en) 2010-10-07
IS8601A (is) 2007-02-02
PE20060413A1 (es) 2006-05-26
WO2006013218A8 (es) 2006-03-30
MD3964C2 (ro) 2010-04-30
US8725640B2 (en) 2014-05-13
MD3964B2 (en) 2009-09-30

Similar Documents

Publication Publication Date Title
UY29001A1 (es) Metodo para la disposicinn de efectivo en cajeros sin tarjeta mediante una orden de pago via sms
EP2353130A4 (en) SYSTEM AND METHOD FOR PROVIDING A MOBILE PORTFOLIO AT A MOBILE PHONE
MX2008012504A (es) Sistema movil de pago de persona a persona.
JP2017515248A (ja) 無線デジタルウォレット実装の方法とシステム
MX2014000434A (es) Sistema y metodo para habilitar transacciones en una red asociada.
MX2010013504A (es) Sitema de pago movil.
AR062269A1 (es) Transacciones de transferencia de dinero via dispositivos de comunicaciones inalambricas de prepago
US20180158048A1 (en) Data security systems configured to detect microcontrollers in physical wallets
EP3132405A1 (en) Device, system and method for efficiently servicing high volume electronic transactions
JP2009123013A (ja) 情報通信システム、通信装置、二次元バーコードおよび電子クーポン発行管理方法
CN103106578A (zh) 移动互联网支付方法
Cheney An examination of mobile banking and mobile payments: building adoption as experience goods?
MA31070B1 (fr) Verification de l'identite d'une partie initiant une transaction.
AR121795A1 (es) Sistema y método de transacción financiera
WO2009059337A3 (en) Credit card security system
NI200700001A (es) Método para la disposición de efectivo en cajeros sin tarjetas, mediante una orden de pago vía sms.
US20170323287A1 (en) System and method for providing payment service
RU2016100237A (ru) Система и способ для содействия осуществлению транзакций
RU2016120753A (ru) Способ оплаты проезда в общественном транспорте
GEP20084556B (en) Method for obtaining cash at cardless teller machines without card using a payment order via sms
ES2555709A1 (es) Sistema de pago mediante un dispositivo móvil y procedimiento de pago asociado
Müller-Török et al. The Corona Warning App of the German Federal Government–How perceived data protection issues hindered any effectiveness
Kopala Mobile banking: A tool of financial inclusion for India
US20230419328A1 (en) Method and system for generating a dynamic card verification value for processing a transaction
FI3369062T3 (fi) Menetelmä rahakortilla maksamiseksi

Legal Events

Date Code Title Description
RDES Application refused

Effective date: 20181011