WO2009140333A3 - Autorisation de transfert monétaire par l’intermédiaire d’un dispositif mobile - Google Patents
Autorisation de transfert monétaire par l’intermédiaire d’un dispositif mobile Download PDFInfo
- Publication number
- WO2009140333A3 WO2009140333A3 PCT/US2009/043710 US2009043710W WO2009140333A3 WO 2009140333 A3 WO2009140333 A3 WO 2009140333A3 US 2009043710 W US2009043710 W US 2009043710W WO 2009140333 A3 WO2009140333 A3 WO 2009140333A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- mobile device
- monetary transfer
- client
- via mobile
- approve
- Prior art date
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
-
- 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
- G06Q20/30—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]
- G06Q20/3221—Access to banking information 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
- G06Q20/322—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
-
- 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
-
- 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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Mobile Radio Communication Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2011509632A JP2011521359A (ja) | 2008-05-15 | 2009-05-13 | 移動機を介した金銭振替承認 |
AU2009246415A AU2009246415A1 (en) | 2008-05-15 | 2009-05-13 | Monetary transfer approval via mobile device |
BRPI0912723A BRPI0912723A2 (pt) | 2008-05-15 | 2009-05-13 | aprovação de transferência monetária via dispositivo móvel |
CN2009801275136A CN102124477A (zh) | 2008-05-15 | 2009-05-13 | 经由移动设备的货币转帐批准 |
EP09747417A EP2297684A4 (fr) | 2008-05-15 | 2009-05-13 | Autorisation de transfert monétaire par l' intermédiaire d' un dispositif mobile |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US12/121,164 | 2008-05-15 | ||
US12/121,164 US20090287599A1 (en) | 2008-05-15 | 2008-05-15 | Monetary Transfer Approval Via Mobile Device |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2009140333A2 WO2009140333A2 (fr) | 2009-11-19 |
WO2009140333A3 true WO2009140333A3 (fr) | 2010-05-27 |
Family
ID=41317065
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2009/043710 WO2009140333A2 (fr) | 2008-05-15 | 2009-05-13 | Autorisation de transfert monétaire par l’intermédiaire d’un dispositif mobile |
Country Status (8)
Country | Link |
---|---|
US (1) | US20090287599A1 (fr) |
EP (1) | EP2297684A4 (fr) |
JP (1) | JP2011521359A (fr) |
KR (1) | KR20110020820A (fr) |
CN (1) | CN102124477A (fr) |
AU (1) | AU2009246415A1 (fr) |
BR (1) | BRPI0912723A2 (fr) |
WO (1) | WO2009140333A2 (fr) |
Families Citing this family (23)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7146338B2 (en) | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
US20080288376A1 (en) | 2007-04-27 | 2008-11-20 | Cashedge, Inc. | Centralized payment hub method and system |
US20100325048A1 (en) * | 2009-04-28 | 2010-12-23 | Mark Carlson | System and method for providing consumer tip assistance as part of payment transaction |
US8433775B2 (en) * | 2010-03-31 | 2013-04-30 | Bank Of America Corporation | Integration of different mobile device types with a business infrastructure |
CA2704864A1 (fr) | 2010-06-07 | 2010-08-16 | S. Bhinder Mundip | Methode et systeme permettant de controler l'acces a un compte a valeur monetaire |
EP2511861A1 (fr) * | 2011-04-14 | 2012-10-17 | Deutsche Post AG | Système de signature à distance |
EP2772078B1 (fr) * | 2011-10-25 | 2018-02-21 | Salesforce.Com, Inc. | Systèmes et procédés d'authentification à deux facteurs |
US10212588B2 (en) | 2011-10-25 | 2019-02-19 | Salesforce.Com, Inc. | Preemptive authorization automation |
US10225242B2 (en) | 2011-10-25 | 2019-03-05 | Salesforce.Com, Inc. | Automated authorization response techniques |
US9210150B2 (en) | 2011-10-25 | 2015-12-08 | Salesforce.Com, Inc. | Two-factor authentication systems and methods |
US10225264B2 (en) | 2011-10-25 | 2019-03-05 | Salesforce.Com, Inc. | Automated authorization response techniques |
US8881170B2 (en) * | 2012-04-30 | 2014-11-04 | Genesys Telecommunications Laboratories, Inc | Method for simulating screen sharing for multiple applications running concurrently on a mobile platform |
US10984415B2 (en) * | 2012-06-25 | 2021-04-20 | Li Tan | System and methods for using limit-use encrypted code to transfer values securely among users |
US8626659B1 (en) | 2012-09-28 | 2014-01-07 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
US20140122333A1 (en) * | 2012-10-26 | 2014-05-01 | Bank Of America Corporation | Method and apparatus for confirming a transaction on a mobile device |
US20140188728A1 (en) | 2012-12-31 | 2014-07-03 | Fiserv, Inc. | Systems and methods for performing financial transactions |
US8788389B1 (en) * | 2013-04-26 | 2014-07-22 | Quisk, Inc. | Methods and systems for providing a customer controlled account lock feature |
WO2015191360A1 (fr) * | 2014-06-09 | 2015-12-17 | Bravo, Llc | Systèmes et procédés pour donner un pourboire |
RS56400B1 (sr) * | 2014-07-07 | 2017-12-29 | Finpin Tech Gmbh | Postupak i sistem za autentifikaciju korisnika |
US9692752B2 (en) * | 2014-11-17 | 2017-06-27 | Bank Of America Corporation | Ensuring information security using one-time tokens |
US10185946B2 (en) | 2014-12-31 | 2019-01-22 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
US11257090B2 (en) * | 2020-02-20 | 2022-02-22 | Bank Of America Corporation | Message processing platform for automated phish detection |
JP6856908B1 (ja) * | 2020-03-26 | 2021-04-14 | 株式会社エクサウィザーズ | 見守り支援方法、情報処理装置、見守り支援システム及びコンピュータプログラム |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070011104A1 (en) * | 2003-03-21 | 2007-01-11 | Ebay Inc. | Payment transactions via substantially instant communication system |
US20070244811A1 (en) * | 2006-03-30 | 2007-10-18 | Obopay Inc. | Mobile Client Application for Mobile Payments |
US20070255620A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Transacting Mobile Person-to-Person Payments |
US20070255662A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Authenticating Wireless Person-to-Person Money Transfers |
Family Cites Families (15)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
JPS61216084A (ja) * | 1985-03-22 | 1986-09-25 | Hitachi Ltd | 役席検証方式 |
JPH11250164A (ja) * | 1998-03-03 | 1999-09-17 | Hitachi Ltd | 使用料徴収機能を有する電子マネー処理方法および電子マネー格納装置 |
US7870065B2 (en) * | 2000-01-05 | 2011-01-11 | Uniteller Financial Services, Inc. | Money-transfer techniques |
US8412633B2 (en) * | 2002-03-04 | 2013-04-02 | The Western Union Company | Money transfer evaluation systems and methods |
US9076134B2 (en) * | 2001-10-15 | 2015-07-07 | Chequepoint Franchise Corporation | Computerized money transfer system and method |
AU2003243516B2 (en) * | 2002-06-11 | 2009-03-19 | First Data Corporation | Value processing network and methods |
JP2004126974A (ja) * | 2002-10-03 | 2004-04-22 | Bank Of Tokyo-Mitsubishi Ltd | 口座振替処理システム、口座振替処理方法、コンピュータプログラム、プログラム格納媒体 |
US8239319B2 (en) * | 2004-03-22 | 2012-08-07 | The Western Union Company | Equipment to facilitate money transfers into bank accounts |
EP3023894B1 (fr) * | 2006-05-25 | 2017-11-22 | CellTrust Corporation | Procédé de gestion d'informations mobiles sécurisées |
JP2007316959A (ja) * | 2006-05-26 | 2007-12-06 | Hitachi Omron Terminal Solutions Corp | 振り込み方法 |
US20070282739A1 (en) * | 2006-05-30 | 2007-12-06 | Jacob Thomsen | Computer implemented method and system for rapid verification and administration of fund transfers and a computer program for performing said method |
US8160959B2 (en) * | 2006-07-06 | 2012-04-17 | Firethorn Mobile, Inc. | Methods and systems for payment transactions in a mobile environment |
US7933833B2 (en) * | 2006-08-31 | 2011-04-26 | Compucredit Intellectual Property Holdings Corp. Ii | Method and system for rapid loan approval |
US7620596B2 (en) * | 2007-06-01 | 2009-11-17 | The Western Union Company | Systems and methods for evaluating financial transaction risk |
WO2010060661A1 (fr) * | 2008-11-25 | 2010-06-03 | Alcatel Lucent | Transfert d'argent à l'aide de réseaux cellulaires |
-
2008
- 2008-05-15 US US12/121,164 patent/US20090287599A1/en not_active Abandoned
-
2009
- 2009-05-13 KR KR1020107028106A patent/KR20110020820A/ko not_active Application Discontinuation
- 2009-05-13 AU AU2009246415A patent/AU2009246415A1/en not_active Abandoned
- 2009-05-13 JP JP2011509632A patent/JP2011521359A/ja active Pending
- 2009-05-13 EP EP09747417A patent/EP2297684A4/fr not_active Withdrawn
- 2009-05-13 WO PCT/US2009/043710 patent/WO2009140333A2/fr active Application Filing
- 2009-05-13 BR BRPI0912723A patent/BRPI0912723A2/pt not_active IP Right Cessation
- 2009-05-13 CN CN2009801275136A patent/CN102124477A/zh active Pending
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070011104A1 (en) * | 2003-03-21 | 2007-01-11 | Ebay Inc. | Payment transactions via substantially instant communication system |
US20070244811A1 (en) * | 2006-03-30 | 2007-10-18 | Obopay Inc. | Mobile Client Application for Mobile Payments |
US20070255620A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Transacting Mobile Person-to-Person Payments |
US20070255662A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Authenticating Wireless Person-to-Person Money Transfers |
Also Published As
Publication number | Publication date |
---|---|
US20090287599A1 (en) | 2009-11-19 |
EP2297684A2 (fr) | 2011-03-23 |
CN102124477A (zh) | 2011-07-13 |
JP2011521359A (ja) | 2011-07-21 |
KR20110020820A (ko) | 2011-03-03 |
AU2009246415A1 (en) | 2009-11-19 |
WO2009140333A2 (fr) | 2009-11-19 |
EP2297684A4 (fr) | 2011-09-21 |
BRPI0912723A2 (pt) | 2015-10-13 |
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