WO2009009852A3 - Système et procédé pour transférer des crédits à l'aide d'un dispositif mobile - Google Patents

Système et procédé pour transférer des crédits à l'aide d'un dispositif mobile Download PDF

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Publication number
WO2009009852A3
WO2009009852A3 PCT/BR2008/000209 BR2008000209W WO2009009852A3 WO 2009009852 A3 WO2009009852 A3 WO 2009009852A3 BR 2008000209 W BR2008000209 W BR 2008000209W WO 2009009852 A3 WO2009009852 A3 WO 2009009852A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile device
credit
data
otps
payee
Prior art date
Application number
PCT/BR2008/000209
Other languages
English (en)
Other versions
WO2009009852A2 (fr
Inventor
Mara Regina Morelli
Fabrizio Vargas De Moraes
Original Assignee
Itautec S.A. - Grupo Itautec
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 Itautec S.A. - Grupo Itautec filed Critical Itautec S.A. - Grupo Itautec
Publication of WO2009009852A2 publication Critical patent/WO2009009852A2/fr
Publication of WO2009009852A3 publication Critical patent/WO2009009852A3/fr

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

Landscapes

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

Abstract

L'invention concerne un système et un procédé pour transférer des crédits à l'aide d'un dispositif mobile, utilisant les ressources fournies par des réseaux de communication sans fil et les ressources de traitement présentes dans des dispositifs mobiles tel que des téléphones cellulaires, des ordinateurs de poche, des ordinateurs portatifs et des dispositifs similaires. Le système comprend une unité d'autorisation de crédit (18), un fournisseur (16) comprenant une mémoire capable de stocker au moins une application logicielle spécifique capable de générer des mots de passe à usage unique (OTP) ainsi que des moyens pour transférer ladite application logicielle à la mémoire d'un dispositif mobile (15) porté par un bénéficiaire, et aussi une unité d'authentification (17) de mot de passe à usage unique (OTP). Ledit dispositif mobile comprend des moyens pour traiter des programmes logiciels et des données, ainsi qu'une possibilité d'établir des liaisons de communication sans fil. Le procédé comprend le chargement dans ledit dispositif mobile (15) d'un logiciel capable de générer des mots de passe à usage unique (OTP) sur la base de données exclusives du bénéficiaire, ces données pouvant en outre comprendre la valeur du crédit utilisé et d'autres informations. Le crédit peut être utilisé à un endroit où le crédit doit être rendu disponible, comprenant un guichet automatique bancaire (ATM), un terminal de point de vente, un comptoir de caissier d'une institution financière ou similaire.
PCT/BR2008/000209 2007-07-19 2008-07-21 Système et procédé pour transférer des crédits à l'aide d'un dispositif mobile WO2009009852A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
BRPI0703112-2 2007-07-19
BRPI0703112-2A BRPI0703112A2 (pt) 2007-07-19 2007-07-19 sistema e método para transferência de créditos com uso de dispositivo móvel

Publications (2)

Publication Number Publication Date
WO2009009852A2 WO2009009852A2 (fr) 2009-01-22
WO2009009852A3 true WO2009009852A3 (fr) 2009-11-12

Family

ID=40260115

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/BR2008/000209 WO2009009852A2 (fr) 2007-07-19 2008-07-21 Système et procédé pour transférer des crédits à l'aide d'un dispositif mobile

Country Status (2)

Country Link
BR (1) BRPI0703112A2 (fr)
WO (1) WO2009009852A2 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NO332479B1 (no) * 2009-03-02 2012-09-24 Encap As Fremgangsmåte og dataprogram for verifikasjon av engangspassord mellom tjener og mobil anordning med bruk av flere kanaler
US9536240B2 (en) 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001031840A1 (fr) * 1999-10-29 2001-05-03 Nokia Corporation Procede et dispositif d'identification fiable d'un utilisateur dans un systeme informatique
US20030204725A1 (en) * 2002-04-26 2003-10-30 Masayuki Itoi Method and system for verifying identity
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
US20060136739A1 (en) * 2004-12-18 2006-06-22 Christian Brock Method and apparatus for generating one-time password on hand-held mobile device
EP1772832A1 (fr) * 2004-07-30 2007-04-11 José Ignacio Bas Bayod Procede pour effectuer des transactions de paiement securisees, au moyen de telephones mobiles

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001031840A1 (fr) * 1999-10-29 2001-05-03 Nokia Corporation Procede et dispositif d'identification fiable d'un utilisateur dans un systeme informatique
US20030204725A1 (en) * 2002-04-26 2003-10-30 Masayuki Itoi Method and system for verifying identity
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
EP1772832A1 (fr) * 2004-07-30 2007-04-11 José Ignacio Bas Bayod Procede pour effectuer des transactions de paiement securisees, au moyen de telephones mobiles
US20060136739A1 (en) * 2004-12-18 2006-06-22 Christian Brock Method and apparatus for generating one-time password on hand-held mobile device

Also Published As

Publication number Publication date
BRPI0703112A2 (pt) 2009-07-21
WO2009009852A2 (fr) 2009-01-22

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