WO2008102329A3 - A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device - Google Patents

A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device Download PDF

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Publication number
WO2008102329A3
WO2008102329A3 PCT/IE2008/000015 IE2008000015W WO2008102329A3 WO 2008102329 A3 WO2008102329 A3 WO 2008102329A3 IE 2008000015 W IE2008000015 W IE 2008000015W WO 2008102329 A3 WO2008102329 A3 WO 2008102329A3
Authority
WO
WIPO (PCT)
Prior art keywords
sms
sms message
receiving device
device
originating
Prior art date
Application number
PCT/IE2008/000015
Other languages
French (fr)
Other versions
WO2008102329A2 (en
Inventor
Thomas Jonathan Power
Original Assignee
Thomas Jonathan Power
Tr2 Holdings Ltd
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
Priority to IE20070110 priority Critical
Priority to IES2007/0110 priority
Application filed by Thomas Jonathan Power, Tr2 Holdings Ltd filed Critical Thomas Jonathan Power
Publication of WO2008102329A2 publication Critical patent/WO2008102329A2/en
Publication of WO2008102329A3 publication Critical patent/WO2008102329A3/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks
    • G06Q20/3255Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks using an SMS for payment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/0853Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using an additional device, e.g. smartcard, SIM or a different communication terminal
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity ; Protecting confidentiality; Key management; Integrity; Mobile application security; Using identity modules; Secure pairing of devices; Context aware security; Lawful interception
    • H04W12/06Authentication

Abstract

A system (1) for facilitating the transfer of funds from an SMS originating device (3) (9) to an SMS receiving device (5) supported by telecommunications networks (10), comprises a detecting circuit (12) in each network (9,10) for detecting an SMS message commencing with a predefined identifying element, namely, a '#' symbol which indicates that the SMS message is to be subjected to processing prior to being delivered to the SMS receiving device (5). It identifies the SMS originating device (3) and the SMS receiving device (5) by both their telephone number. And (14) obtains particulars of the bank accounts associated with the SMS originating (3) and with receiving devices (5) and transfers by electronic banking the amount of funds which is identified in the SMS message as being the amount to be transferred to the bank account of the receiving device (5). By the processing circuit (14) which then transmits an SMS message to both the SMS originating and the SMS receiving device (5) confirming successful transfer of the funds. Topping up the telephone account of an SMS receiving device (5) from an SMS originating device (3), carrying out translation of an SMS message spell checking or determining the location of the SMS originating device (3), are possible.
PCT/IE2008/000015 2007-02-20 2008-02-20 A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device WO2008102329A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
IE20070110 2007-02-20
IES2007/0110 2007-02-20

Publications (2)

Publication Number Publication Date
WO2008102329A2 WO2008102329A2 (en) 2008-08-28
WO2008102329A3 true WO2008102329A3 (en) 2008-11-20

Family

ID=39467220

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IE2008/000015 WO2008102329A2 (en) 2007-02-20 2008-02-20 A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device

Country Status (2)

Country Link
IE (1) IES20080129A2 (en)
WO (1) WO2008102329A2 (en)

Families Citing this family (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8306912B2 (en) 2007-12-19 2012-11-06 Metabank Private label promotion card system, program product, and associated computer-implemented methods
WO2009140520A1 (en) 2008-05-14 2009-11-19 Metabank A pre-paid card transaction computer to load a loan on a pre-paid card
US8090649B2 (en) 2008-12-18 2012-01-03 Metabank Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US8175962B2 (en) 2008-12-18 2012-05-08 Metabank Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US8108279B2 (en) 2007-12-21 2012-01-31 Metabank Computer-implemented methods, program product, and system to enhance banking terms over time
US8583515B2 (en) 2007-12-21 2013-11-12 Metabank Transfer account systems, computer program products, and associated computer-implemented methods
WO2009124262A1 (en) 2008-04-04 2009-10-08 Metabank System, program product and method for performing an incremental automatic credit line draw using a prepaid card
US8788414B2 (en) 2007-12-21 2014-07-22 Metabank Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US8150764B2 (en) 2008-04-04 2012-04-03 Metabank System, program product, and method to authorize draw for retailer optimization
WO2009124264A1 (en) 2008-04-04 2009-10-08 Metabank System, program product, and method for debit card and checking account autodraw
US8538879B2 (en) 2008-05-14 2013-09-17 Metabank System, program product, and computer-implemented method for loading a loan on an existing pre-paid card
US8403211B2 (en) 2008-09-04 2013-03-26 Metabank System, program product and methods for retail activation and reload associated with partial authorization transactions
WO2010028266A1 (en) 2008-09-04 2010-03-11 Metabank System, program product and methods for retail activation and reload associated with partial authorization transactions
US8024242B2 (en) 2008-09-04 2011-09-20 Metabank System, method, and program product for foreign currency travel account
US7594821B1 (en) 2008-09-17 2009-09-29 Yazaki North America, Inc. Sealing gap formed by assembled connector parts
US8371502B1 (en) 2008-10-28 2013-02-12 Metabank Shopping center gift card offer fulfillment machine, program product, and associated methods
US8108977B1 (en) 2008-10-31 2012-02-07 Metabank Machine, methods, and program product for electronic order entry
US9213965B1 (en) 2008-11-26 2015-12-15 Metabank Machine, methods, and program product for electronic inventory tracking
US8286863B1 (en) 2009-02-04 2012-10-16 Metabank System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
US20110060684A1 (en) * 2009-03-25 2011-03-10 Jucht Scott J Machine, program product, and computer-implemented methods for confirming a mobile banking request
US20150026059A1 (en) * 2013-07-19 2015-01-22 Sable and Wolf Limited Money Lending Via A Mobile Device

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO2000058921A1 (en) * 1999-03-30 2000-10-05 Mark Russell Attieh A method of conducting financial transactions
EP1215637A2 (en) * 2000-11-29 2002-06-19 Mobilkom Austria Aktiengesellschaft & Co KG Apparatus for transmitting financial values between participants in a telecommunication network
WO2003107283A1 (en) * 2002-06-18 2003-12-24 Telefonaktiebolaget L M Ericsson (Publ) Parallel coordinated operations in private domains
US20040102956A1 (en) * 2002-11-22 2004-05-27 Levin Robert E. Language translation system and method
US20040266462A1 (en) * 2003-06-30 2004-12-30 Venkatesh Chava System and method for in-transit SMS language translation
GB2406996A (en) * 2003-05-06 2005-04-13 Massone Mobile Advertising Sys Insertion of additional information into SMS/MMS messages
WO2005124621A1 (en) * 2004-06-22 2005-12-29 Paysetter Pte Ltd System and method for transferring credit between subscribers of differing telecommunications carriers
US20060116138A1 (en) * 2004-11-29 2006-06-01 Argela Technologies Value added services creation (vasc) platform

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998042173A2 (en) * 1997-03-24 1998-10-01 Fd Finanssidata Oy Use of banking services in a digital cellular radio system
WO2000058921A1 (en) * 1999-03-30 2000-10-05 Mark Russell Attieh A method of conducting financial transactions
EP1215637A2 (en) * 2000-11-29 2002-06-19 Mobilkom Austria Aktiengesellschaft & Co KG Apparatus for transmitting financial values between participants in a telecommunication network
WO2003107283A1 (en) * 2002-06-18 2003-12-24 Telefonaktiebolaget L M Ericsson (Publ) Parallel coordinated operations in private domains
US20040102956A1 (en) * 2002-11-22 2004-05-27 Levin Robert E. Language translation system and method
GB2406996A (en) * 2003-05-06 2005-04-13 Massone Mobile Advertising Sys Insertion of additional information into SMS/MMS messages
US20040266462A1 (en) * 2003-06-30 2004-12-30 Venkatesh Chava System and method for in-transit SMS language translation
WO2005124621A1 (en) * 2004-06-22 2005-12-29 Paysetter Pte Ltd System and method for transferring credit between subscribers of differing telecommunications carriers
US20060116138A1 (en) * 2004-11-29 2006-06-01 Argela Technologies Value added services creation (vasc) platform

Also Published As

Publication number Publication date
WO2008102329A2 (en) 2008-08-28
IES20080129A2 (en) 2009-08-05

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