WO2016075502A1 - Converting mobile phone credits to cash and payment options - Google Patents
Converting mobile phone credits to cash and payment options Download PDFInfo
- Publication number
- WO2016075502A1 WO2016075502A1 PCT/IB2013/002458 IB2013002458W WO2016075502A1 WO 2016075502 A1 WO2016075502 A1 WO 2016075502A1 IB 2013002458 W IB2013002458 W IB 2013002458W WO 2016075502 A1 WO2016075502 A1 WO 2016075502A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- cash
- tranzact
- account
- user
- credit
- Prior art date
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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
- G06Q20/08—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]
- G06Q20/3223—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
- 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
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- 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
Definitions
- Converting mobile phone credits to cash and payment options is a method of deriving physical cash and making electronic payment without direct connection to user's existing bank account; it is the deduction of cash or payment volume equivalent from mobile phone units/credits balance.
- This method differs from the present modes of mobile money transfers because all existing mobile money transfers requires direct connection to initiators/sender's bank account thorough secured/protected internet connection. It is not internet dependent nor requires any attachment to the sender/ initiators bank account.
- Converting mobile phone credit/unit to cash and payment is developed on both GUI (graphic user interface) and simple text (text messaging) platform designed to enable instant credit into customer's bank accounts, debit cards for automated teller machines or card-less automated teller machines withdrawals.
- GUI graphic user interface
- simple text text messaging
- Mobile phone electronic device used for communication between two people via audio transmission or text messaging. It comes in various shapes and sizes and easy to carry around
- Mobile network service provider medium of telecommunications radio waves exchange to aid the audio and text transmission for the purpose of communication
- Credit-switch platform this is the platform that receives transfer authorizations from clients and routes the authorization through the approval of the service initiator's mobile service provider for authentication, mobile unit-transfer volume adequacy, mobile unit deduction and cash equivalent dispatch to designated receiver.
- Withdrawal cash point medium of cash collection over the counter teller point or the use of automated teller machines. This is the end point of the service delivery as customer or designated receiver picks up stipulated cash volume as initiated by the sender. Customer sends transfer message using mobile phone which is able to send the message across via the mobile network service provider to designated parties for credit-cash switching which in turn makes cash available to destination client or receiver via withdrawal cash point.
- This invention is in the field of mobile payment also referred to as mobile money transfer generally referring to payment services based on an electronic wallet and performed via a mobile device .
- mobile payment is being accepted all over the world in “unbanked” and “under banked” communities in different ways as payment solutions.
- sms/ussd-based transactional payments which has been used to facilitate digital purchases via multi-media messaging service.
- the invention is simply based on the application of already existing technologies in a way never before used. In this case, the use of mobile phones to send money between people, organizations, etc without the need to debit customer bank account is proffered. Customer is provided with the advantage of having his/ her credit units being debited to the volume equivalent of money/ cash to be sent to receiver. This opens up an already closed end transaction of mobile unit purchase and provides mobile phone users across the world with the opportunity to convert mobile credit units back to cash in full scale use as payment options for goods and services furthermore money transfer within personal accounts and between peoples accounts depending on the mode of application employed by the service initiator.
- the structure of this invention allows all phone types (graphic user interface capable or simple text based) to carry out this function and enjoy the various applications it presents with and without internet usage.
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A mobile phone can be used to transmit information to a beneficiary, whereby credit somehow stored on the phone or related to it (i.e. in a bank account from which the mobile phone bill is paid) may be remitted via transmission of data from the phone to another party, who may then retrieve the amount transferred via either his own mobile device or by presenting some data at a bank or withdrawal point. Converting mobile phone credits/units to cash and payment options are the direct deduction of mobile credit units/credits equivalent volume from the sender to third parties in form of cash and, or payment for goods and services. Credits/units are converted to either cash or used in payment for goods and services.
Description
DESCRIPTION
Description of Invention:
Converting mobile phone credits to cash and payment options is a method of deriving physical cash and making electronic payment without direct connection to user's existing bank account; it is the deduction of cash or payment volume equivalent from mobile phone units/credits balance.
In another way, it is a method of money transfer to/by the service initiator (user/sender) and third parties and registered person/user/receiver without the involvement or direct connection to user existing bank account, but by the deduction of transfer volume equivalent from mobile phone unit/credit balance.
This method differs from the present modes of mobile money transfers because all existing mobile money transfers requires direct connection to initiators/sender's bank account thorough secured/protected internet connection. It is not internet dependent nor requires any attachment to the sender/ initiators bank account.
Technical Description:
Converting mobile phone credit/unit to cash and payment is developed on both GUI (graphic user interface) and simple text (text messaging) platform designed to enable instant credit into customer's bank accounts, debit cards for automated teller machines or card-less automated teller machines withdrawals.
It requires the use of:
Mobile phone: electronic device used for communication between two people via audio transmission or text messaging. It comes in various shapes and sizes and easy to carry around
Mobile network service provider: medium of telecommunications radio waves exchange to aid the audio and text transmission for the purpose of communication
Credit-switch platform: this is the platform that receives transfer authorizations from clients and routes the authorization through the approval of the service initiator's mobile service provider for authentication, mobile unit-transfer volume adequacy, mobile unit deduction and cash equivalent dispatch to designated receiver.
Withdrawal cash point: medium of cash collection over the counter teller point or the use of automated teller machines. This is the end point of the service delivery as customer or designated receiver picks up stipulated cash volume as initiated by the sender.
Customer sends transfer message using mobile phone which is able to send the message across via the mobile network service provider to designated parties for credit-cash switching which in turn makes cash available to destination client or receiver via withdrawal cash point.
Field Description:
This invention is in the field of mobile payment also referred to as mobile money transfer generally referring to payment services based on an electronic wallet and performed via a mobile device .mobile payment is being accepted all over the world in "unbanked" and "under banked" communities in different ways as payment solutions. In the specific section of sms/ussd-based transactional payments which has been used to facilitate digital purchases via multi-media messaging service.
Disclosure of Invention:
The invention is simply based on the application of already existing technologies in a way never before used. In this case, the use of mobile phones to send money between people, organizations, etc without the need to debit customer bank account is proffered. Customer is provided with the advantage of having his/ her credit units being debited to the volume equivalent of money/ cash to be sent to receiver. This opens up an already closed end transaction of mobile unit purchase and provides mobile phone users across the world with the opportunity to convert mobile credit units back to cash in full scale use as payment options for goods and services furthermore money transfer within personal accounts and between peoples accounts depending on the mode of application employed by the service initiator.
The structure of this invention allows all phone types (graphic user interface capable or simple text based) to carry out this function and enjoy the various applications it presents with and without internet usage.
Claims
STATEMENT OF FEATURES FOR WHICH PROTECTION IS SOUGHT
Converting mobile phone credits/units to cash and payment options is the direct deduction of mobile credit units/credits equivalent volume from the sender to third parties in form of cash and, or payment for goods and services. That is, credits/units are converted to either cash or used in payment for goods and services.
Converting mobile phone units/credits to cash and payment options is a method of payment on credit-cash switch platform for goods and services.
Basically, mobile phone units/credits are converted to physical cash by deducting cash volume equivalent and making available equivalent cash volume to customer account or direct collection via any preferred mode i.e. either automated teller machine or in banks over the counter.
It is the conversion of mobile credits/units by the sender to the recipient for payment or cash transfer purposes.
The inventor claims all modes of application of this means or method of money transfer developed for any form of transaction be it directly financial, indirectly financial or third-party financial applications.
CONVERVERTING MOBILE PHONE CREDIT TO CASH AND PAYMENT OPTIONS REGISTRATION
It entails a simple method (text enabled) via mobile phones, designed to be applicable to all mobile phone service provider users
It follows a process thus:
User, send register - full name - Cash Tranzact to cash transact obtained short code on mobile service provider partnership e.g. 333
Cash Tranzact response: registration confirmed and account number stated. Send yes to proceed
(account number generated i.e. mobile phone number + cash Tranzact generated sort code as database track code. For example a mobile phone number 12345 will have an account no 12345447 with 447 as the cash tranzact sort code)
User, confirms receipt of account number and confirms registration, then proceeds by sending YES to cash transact short code (333 as used above)
Cash Tranzact: please enter account pin.
User, enters account pin
Cash Tranzact: re-enter pin for confirmation
User: enters pin
Cash Tranzact: your registration is completed+ welcome message (name, account number stipulated). Disclaimers stipulated and service de-activation option also stipulated.
END
Other modes of registration are mobile graphic user interface and web-base entries. These methods ensure the registration process is executed without the use of text inputs
CONVERTING MOBILE PHONE CREDIT TO CASH AND PAYMENT OPTIONS FLOW BRIEF
Customer initiates service use.
For funds transfer to bank accounts:
Its process follows thus:
• customer sends text: transfer - amount to - bank account no - bank name - pin to cash tranzact short-code (333) as used above.
• Cash Tranzact: response: transfer volume + transaction charge is stipulated ... send yes to proceed.
• User: yes
• Cash Tranzact: re-enter pin
• User: enters pin
• Transaction alert is sent out: debit to sender and credit alert in bank account designated accounts will be issued to the client by the bank.
For funds transfer to non-account holders/card-less ATM withdrawals
Its process follows thus:
• customer sends text: transfer -amount- phone number- full name - pin. to cash tranzact short-code ( 333) as used above.
• Cash Tranzact: response: transfer volume + transaction charge is stipulated...send yes to proceed.
5
• User: yes
. · Cash Tranzact: re-enter pin
• User: enters pin
• Transaction alert is sent out: debit to sender and credit alert is sent to receivers stipulated phone number with transaction number and withdrawal pin for card-less automated teller machine withdrawal
CONVERTING MOBILE PHONE CREDIT TO CASH AND PAYMENT OPTIONS SERVICE DELIVERY FUNCTION FLOW DDIAGRAM
METHOD 1
This is a simple breakdown of how the service of money transfer by cash tranzact is designed to be efficient, speedy, reliable and secure.
Method 1 of the interplay between core players of the process is stipulated below step by step: STAGE 1:
• Customer initiates transaction by sending prototype text message to cash tranzact via her short code as indicated in Cash Tranzact money transfer flow brief
• Cash Tranzact receives message and verifies cash tranzact account number, sort code and pin; TRANZACTION ENDS FOR WRONG PIN AND UNREGISTERD ACCOUNT.
• Cash Tranzact sends inquiry on user/ client's mobile credit unit balance.
• Mobile service provider in turn responds in text stipulating user balance
• Cash Tranzact sends response message to service initiator i.e user/ client stipulating mobile credit unit balance and indicates transaction volume in the form : transaction volume + service charge TO PROCEED, SEND YES
• TRANZACTION ENDS AT THIS POINT FOR CLIENTS WITH INSUFFICIEN MOBILE UNIT BALALNCE
STAGE 2:
CLIENTS WITH ADEQUATE/ SUFFICIENT MOBILE UNIT BALANCE PROCEED
• On confirmation of pin and mobile unit balance adequacy,
• User/client sends YES to Cash Tranzact short code 333
Cash Tranzact receives client/ user authorization to proceed.
• Cash Tranzact sends authorization for transaction total sum value deduction from client/ user
• mobile unit balance to mobile service provider.
• Mobile service provider deducts client transaction sum equivalent from mobile credit unit
• Mobile service provider sends confirmation of mobile credit unit deduction to the tune of transaction sum equivalent to cash Tranzact thus; authorization to pay
• Cash tranzact indicates debit notification via text alert to client/user funds transfer to bank accounts:
• Cash Tranzact credits client/ user stipulated receiver account in the process thus:
• Cash tranzact issues credit order to her cash officer at annex of the stipulated transfer destination bank.
• Cash tranzact officer generates transaction equivalent payment voucher on "cash tranzact -bank" partnered intra-network platform for electronic payment issuance, verification, tracking and balancing.
• Cash tranzact cash officer issues voucher to bank teller for destination account instant credit.
• Receiver's bank issues a transaction credit alert to their customer. funds transfer to non-account holders/ card-less ATM withdrawals
• Cash Tranzact credits client/ user stipulated receiver account in the process thus:
• Cash Tranzact credits her electronically generated account on the approved financial bank switch company for country's platform e.g. interswitch for Nigeria.
• Interswitch (as used above) generates transaction code and access pin for funds credited in the temporary electronic account access.
• Cash tranzact forwards funds availability notification containing transaction pin and code to the client/user stipulated receiver's mobile phone number.
CONVERTING MOBILE PHONE CREDIT TO CASH AND PAYMENT OPTIONS SERVICE DELIVERY FUNCTION FLOW DIAGRAM
METHOD 2
This is a simple breakdown of how the service of money transfer by cash tranzact is designed to be efficient, speedy, reliable and secure.
Method 2 of the interplay between core players of the process is stipulated below step by step: STAGE 1:
• Customer initiates transaction by sending prototype text message to cash tranzact via her short code as indicated in Cash Tranzact money transfer flow brief
• Mobile service provider receives text/ verifies client/ user mobile credit unit balance for sufficiency to the tune of transaction sum (transaction volume +service charge).
• TRANZACTION ENDS AT THIS POINT FOR CLIENTS/ USERS WITH INSUFFICIENT MOBILE CREDIT UNIT with the message "insufficient balance" as response to user /client
STAGE 2:
• On confirmation of credit unit adequacy,
• Client/user receives response message from mobile service provider "send YES to proceed"
• User/client sends YES ( note that the message destination remains the Cash Tranzact short-code 333 from stage 1)
• Mobile service provider forwards user proceed message "yes" to cash Tranzact
• Cash Tranzact verifies client / user registration and pin
• TRANZACTION ENDS AT THIS POINT FOR WRONG PIN AND UNREGISTERED ACCOUNT with response message" wrong pin" or "your account is unregistered kindly register by sending register-Cash Tranzact to 333"...as the case may be.
STAGE 3:
FOR REGISTERED CLIENTS/USERS WITH CORRECT PIN
• Cash Tranzact sends message to client / user mobile service provider authorizing transaction sum equivalent deduction from the mobile credit unit.
• Mobile service provider confirms unit sum deduction thus; authorization to pay in a response message to cash Tranzact.
• Client/ user receives debit alert
• Cash Tranzact credits client/user stipulated receiver
For funds transfer to receiver's bank accounts:
• Cash Tranzact credits client/ user stipulated receiver account in the process thus:
• Cash tranzact issues credit order to her cash officer at annex of the stipulated transfer destination bank.
• Cash tranzact officer generates transaction equivalent payment voucher on "cash tranzact -bank" partnered intra-network platform for electronic payment issuance, verification, tracking and balancing.
• Cash tranzact cash officer issues voucher to bank teller for destination account instant credit.
• Receiver's bank issues a transaction credit alert to their customer.
For funds transfer to receivers; non-account holders/ card-less ATM withdrawals
• Cash Tranzact credits client/user stipulated receiver account in the process thus:
• Cash Tranzact credits her electronically generated account on the approved financial bank switch company for country's platform e.g. interswitch for Nigeria.
• Interswitch (as used above) generates transaction code and access pin for funds credited in the temporary electronic account access.
• Cash tranzact forwards funds availability notification containing transaction pin and code to the client/user stipulated receiver's mobile phone number
CONVERTING MOBILE PHONE CREDITS TO CASH AND PAYMENT OPTIONS SERVICE PROVIDER FINANCIAL RESOLUTION
A simple breakdown of the method of cash-back payment to cash tranzact, participating parties upon service delivery at agreed intervals. For example, a day, a week, etc.
Step 1: Total volume of transaction is confirmed by cash-tranzact and mobile service provider database synchronization/ comparison.
Step 2: Total percentile cut for mobile service provider services as agreed is calculated and deducted from the overall total of concluded/ ascertained transaction volume.
Step 3: total volume left after mobile service provider percentile cut deduction is then paid to cash Tranzact in cash.
Step 4: Cash Tranzact then pays other partners (e.g. bank) in service delivery dependent on the mode of service delivery adopted i.e. either method 1 or method 2.
Significant features and best mode of carrying out the invention and industrial application:
The invention is best carried out using text format of service initiation. The transfer sequence on text format is available on all phone types thus cuts across all financial sects of a society. This method is prompt message-exchange based. Text exchange between user / service initiator and credit-switch company ensures the success of the transactions.
This method of money transfer is applied in various modes of electronic payment such as: Self-account credit: clients can credit their personal accounts using this method for various reasons there-in. For example converting mobile unit to cash for instant withdrawals at automated teller machines in emergencies, or the top up of account balance to a volume withdraw able via the automated teller account
Money transfer to other accounts: client can use this invention to send money to a third party anywhere in the world irrespective of account type.
Money transfer to receivers without bank accounts (the use of cashless withdrawal machines): this invention can also ensure payment to third party/ receivers without bank accounts or the need to route the money through their bank account. Card-less automated teller machine withdrawals and code over the counter teller point collection have been incorporated into the design of service delivery.
Online payment for goods and services either electronic or physical: this payment method can also be used for online payments. It is a safer mode of online payment as it ensures that the client/user does not need to enter or input account details, credit or debit cards details and pin attached to bank account/accounts into any online log for payment. The risk of cyber fraud via information collection by numerous methods employed by electronic fraud-stars is totally eliminated as all clients or users need do is to enter phone number details and authorize mobile unit deduction volume equivalent to total charges, fees applicable to the service or goods being paid for via the credit-switch platform as the payment option for services or goods.
Switch platform/payment option for financial institutions and companies: this is similar to the above illustrated but is the actual core on which online payments is developed. The technology
10
provides the credit-switch platform the advantage of being a switch platform of electronic payment to companies, banks, etc. organizations simply need have an account with the credit- switch platform company and all payments can be made to them via the platform, it is similar to already existing pay-platforms like web-pay, mater card, etc but in this case, there is no attachment to any bank account but mobile phone credit unit of the user. There is also no mandatory need to have an existing bank account or have a pay-card.
This function allows clients the privilege to carry out financial activities such as individual thrifts, group thrifts, etc to / with their choice banks using the platform as a switch for accounts credits with ease and at the comfort of their phones irrespective of its type, country or educational background of user since it is easy, simple and straight forward.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/IB2013/002458 WO2016075502A1 (en) | 2013-11-04 | 2013-11-04 | Converting mobile phone credits to cash and payment options |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/IB2013/002458 WO2016075502A1 (en) | 2013-11-04 | 2013-11-04 | Converting mobile phone credits to cash and payment options |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2016075502A1 true WO2016075502A1 (en) | 2016-05-19 |
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ID=49917670
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/IB2013/002458 WO2016075502A1 (en) | 2013-11-04 | 2013-11-04 | Converting mobile phone credits to cash and payment options |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2016075502A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11276055B1 (en) | 2017-10-11 | 2022-03-15 | Wells Fargo Bank, N.A. | Cash delivery service |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010125577A1 (en) * | 2009-04-27 | 2010-11-04 | Shrivastav Shourabh | Cardless financial transaction |
| WO2012142131A2 (en) * | 2011-04-11 | 2012-10-18 | Visa International Service Association | Interoperable financial transactions via mobile devices |
-
2013
- 2013-11-04 WO PCT/IB2013/002458 patent/WO2016075502A1/en active Application Filing
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010125577A1 (en) * | 2009-04-27 | 2010-11-04 | Shrivastav Shourabh | Cardless financial transaction |
| WO2012142131A2 (en) * | 2011-04-11 | 2012-10-18 | Visa International Service Association | Interoperable financial transactions via mobile devices |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11276055B1 (en) | 2017-10-11 | 2022-03-15 | Wells Fargo Bank, N.A. | Cash delivery service |
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