WO2009107102A3 - Near-real-time payment transaction facilitation system - Google Patents

Near-real-time payment transaction facilitation system Download PDF

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Publication number
WO2009107102A3
WO2009107102A3 PCT/IB2009/050803 IB2009050803W WO2009107102A3 WO 2009107102 A3 WO2009107102 A3 WO 2009107102A3 IB 2009050803 W IB2009050803 W IB 2009050803W WO 2009107102 A3 WO2009107102 A3 WO 2009107102A3
Authority
WO
WIPO (PCT)
Prior art keywords
bank
financial institution
banks
payment transaction
case
Prior art date
Application number
PCT/IB2009/050803
Other languages
French (fr)
Other versions
WO2009107102A2 (en
Inventor
Tilak Bandara Dissanayake
Sunil Charita Wijesinghe
Original Assignee
Transact Global (Private) Limited
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 Transact Global (Private) Limited filed Critical Transact Global (Private) Limited
Publication of WO2009107102A2 publication Critical patent/WO2009107102A2/en
Publication of WO2009107102A3 publication Critical patent/WO2009107102A3/en

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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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]

Landscapes

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

Abstract

A near real time payment transaction facilitation system designed for mobile phone or other communication devices. The participant identification is by way of a globally unique code assigned to their communication device with no SIM change at the time of registration with a bank/financial institution. The proposed system enables users to pay for goods or services or cash directly from their existing bank/financial institution accounts with no requirement to open up a new wallet account through a secure payment gateway and the availability of money to the payee in their bank/financial institution account is instant. Settling between banks is performed either via a Central Bank/Monetary Authority in the case of local banks, or via international settlement channels in the case of international banks.
PCT/IB2009/050803 2008-02-29 2009-02-27 Near-real-time payment transaction facilitation system WO2009107102A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
LK14863 2008-02-29
LK1486308 2008-02-29

Publications (2)

Publication Number Publication Date
WO2009107102A2 WO2009107102A2 (en) 2009-09-03
WO2009107102A3 true WO2009107102A3 (en) 2009-10-22

Family

ID=40874985

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2009/050803 WO2009107102A2 (en) 2008-02-29 2009-02-27 Near-real-time payment transaction facilitation system

Country Status (1)

Country Link
WO (1) WO2009107102A2 (en)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9608826B2 (en) * 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
EP2372629A1 (en) * 2010-04-02 2011-10-05 Gemalto SA Method and subscriber identity module for performing financial transactions by use of mobile communication devices.
US20130144756A1 (en) * 2011-12-02 2013-06-06 Juan Farrarons Transaction system
US9946502B2 (en) 2012-09-28 2018-04-17 Hewlett-Packard Development Company, L.P. Using device identification information for payment via a printer
CN107423957A (en) * 2016-12-30 2017-12-01 语联网（武汉）信息技术有限公司 A kind of service operation system of flexibly payment and settlement
CN111383022B (en) * 2018-12-29 2020-12-08 广州市百果园信息技术有限公司 Background architecture method, system, computer equipment and storage medium for aggregated payment
CN112418843A (en) * 2020-12-11 2021-02-26 上海中通吉网络技术有限公司 Method and device for group collection payment

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002046985A2 (en) * 2000-12-07 2002-06-13 Cellport Limited System and method of using wireless communication devices to conduct financial transactions
WO2007001197A1 (en) * 2005-06-27 2007-01-04 Martins Bruno Orlando Nunes Mo Electronic payment method and system implementing said method

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002046985A2 (en) * 2000-12-07 2002-06-13 Cellport Limited System and method of using wireless communication devices to conduct financial transactions
WO2007001197A1 (en) * 2005-06-27 2007-01-04 Martins Bruno Orlando Nunes Mo Electronic payment method and system implementing said method

Also Published As

Publication number Publication date
WO2009107102A2 (en) 2009-09-03

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