WO2018235006A1 - Transfert de fonds à l'aide d'un appel vocal - Google Patents

Transfert de fonds à l'aide d'un appel vocal Download PDF

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Publication number
WO2018235006A1
WO2018235006A1 PCT/IB2018/054530 IB2018054530W WO2018235006A1 WO 2018235006 A1 WO2018235006 A1 WO 2018235006A1 IB 2018054530 W IB2018054530 W IB 2018054530W WO 2018235006 A1 WO2018235006 A1 WO 2018235006A1
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WO
WIPO (PCT)
Prior art keywords
information
account
user
transfer
control system
Prior art date
Application number
PCT/IB2018/054530
Other languages
English (en)
Inventor
Jean Marc LEVY
Original Assignee
Levy Jean Marc
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 Levy Jean Marc filed Critical Levy Jean Marc
Priority to GB2003991.3A priority Critical patent/GB2593201A/en
Publication of WO2018235006A1 publication Critical patent/WO2018235006A1/fr

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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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/305—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wired telephone 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
    • G06Q20/325—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

Definitions

  • the invention relates to a funds transfer control system and a method of transferring funds using a voice call in real-time.
  • Online services such as Paypal (RTM) allow users to have respective accounts with the online service, and to arrange transfer of funds from the account of one user to the account of another.
  • RTM Online services
  • a user may authenticate themselves at a web interface and then provide an email address of a user who is to receive funds to identify that user.
  • a method of transferring funds from a first account to a second account comprising: receiving, by a transfer control means, over a voice call, transfer data comprising second information identifying the second account and amount information; receiving, by the transfer control means, first information identifying the first account during a setup process for the voice call and/or in the transfer data; updating, by the transfer control means, the first and second accounts based on amount information.
  • a transfer control system for transferring funds from a first account to a second account, comprising: receiving means for receiving, in a voice call, transfer data comprising second information identifying the second account and amount information, wherein the receiving means is configured to receive first information identifying the first account during a setup process for the voice call and/or also in the transfer data; means for updating the first and second accounts based on amount information.
  • FIG. 1 shows illustratively hardware elements of a funds transfer system according to embodiments of the invention
  • FIG. 2 is an illustrative diagram indicating software components of a funds transfer control system in accordance with embodiments
  • Figures 3 A, 3B and 3C is a flowchart indicating steps that occur in use of the funds transfer system;
  • Figure 4 is a flowchart indicating steps that occur when a new user creates an account;
  • Figure 5 is a flowchart indicating steps that occur in a process of determining that a transaction may proceed.
  • Embodiments of the invention relate to a funds transfer system in which a user can arrange transfer of funds from an account of that user to an account of anyone else who has a telephone number, in a secure manner and typically in real-time. Such accounts are often referred to in the art as "wallets".
  • the user wishing to transfer the funds need only have a telephone number and access to a telephone in order to make the transfer.
  • a voice call is initiated, by a first user, wishing to transfer funds, to a transfer control system and a transfer request is received at a funds transfer control system from a first user over a connection for the voice call.
  • the transfer request includes transfer data, which includes information identifying an account of a second user, and amount information.
  • the information identifying the account of the second user is preferably a telephone number of the second user.
  • the transfer data may include a first telephone number associated with an account of the first user, or the transfer control may detect this automatically where the voice call is initiated at a user device having the first telephone number.
  • Embodiments of the invention are not limited to use of the telephone numbers to identify accounts; other numbers may be used.
  • a funds transfer system 100 comprises a transfer control system 102, and first and second user devices 104, 106, both configured for communication over one or more communications networks 108.
  • the first and second user devices 104, 106 are configured to make voice calls.
  • the first and second devices are configured to receive SMS (Short Message Service) messages.
  • the first and second user devices 104, 106 are each a mobile device, such as a mobile phone, to which a SIM (Subscriber Identification Module) is operatively coupled.
  • a telephone number is assigned to the SIM.
  • the first and second user devices 104, 106 may be configured to have other functionality, for example to connect to the internet using Wi-Fi or by a data connection to a base station of a cellular communications network, but such functionality is not necessary for embodiments of the invention.
  • Each of the first and second user devices 104, 106 comprises a first processing unit 110, a first memory unit 112, a user interface 114 and communications apparatus 116, all operatively connected.
  • the user interface 114 includes a microphone and a speaker for use in making voice calls, a keypad, and a display for display of received SMS messages.
  • the keypad is a digital keypad, for example a numerical digital keypad.
  • the communications apparatus 116 enables communication with base stations of a cellular telecommunications network.
  • the transfer control system 102 includes a server unit equipped with interactive voice response (IVR) functionality.
  • the IVR functionality may be provided separately.
  • the server unit comprises a second processing unit 120, a second memory unit 122, input/output ports 124 and a network interface 126, all operatively connected.
  • An input/output port 124 is connected to a telephony board 128.
  • the telephony board 128 and the IVR functionality are together configured to enable connections to be established for voice calls between the telephony board 128 and user devices, and for information to be conveyed to users using a pre-recorded, or otherwise automatically generated, voice.
  • the telephony board 128 is configured to receive information from users using dual-tone multi-frequency (DTMF) signals received from user devices. Thus, information that users input using the keypad of a user device is processed.
  • DTMF dual-tone multi-frequency
  • the transfer control system 102 is configured to process spoken information provided by users, and this is used for communication from the first user device 104 to the transfer control system 102 in place of the DTMF signals.
  • the transfer control system 102 also comprises computer programs stored on the second memory unit 122 that, when processed by the processing unit 120, cause the functionality ascribed herein to the transfer control system 102.
  • Such computer programs include a transfer control engine 200, a transaction data store 202, an account data store 204, a user data store 206, and a rules store 208.
  • the transfer control engine 200 is configured to perform read and write operations in the transaction data store 202, the account data store 204, and the user data store 206.
  • the computer programs also include interactive voice calling and response software 210, configured to cooperate with the transfer control engine 200 and the telephony board 128.
  • the communications networks 108 comprises a telephone network, to which the telephony board 128 is operatively connected, and the internet, to which the server unit is coupled.
  • the transactions data store 202 stores data relating to each transaction, namely, the data received in a transfer request.
  • the transactions data store 202 may be a distributed, decentralised data store making use of blockchain technology.
  • Each user of the funds transfer system 100 has an account.
  • the account of the first user is referred to as the "first account” and the account of the second user is referred to as the "second account”.
  • the accounts data store 204 stores accounts data for each account in association with a respective telephone number.
  • the accounts data includes indication of the amount of money that each account has associated with it. The amount may be zero or in credit. Negative amounts are not permitted, although in variant embodiments negative amounts may be permitted to a limit, and/or may be permitted for predetermined users.
  • Each account has a particular currency associated with it. There is no limitation to any particular currency. Embodiments are used with digital money issued by a central bank, credit institution or e-funds institution.
  • Embodiments of the invention may also be used with digital money in the form of a virtual currency, which is not issued by central bank, credit institution or e-funds institution, but is an alternative to money.
  • Virtual currency is defined as "a digital representation of value that is neither issued by a central bank or a public authority, nor necessarily attached to a fiat currency, but is accepted by natural or legal persons as a means of payment and can be transferred, stored or traded electronically".
  • Virtual currency currently includes cryptocurrencies, although this may not be the case in the future. The accounts do not have to be tied to any particular jurisdiction.
  • Embodiments of the invention are not limited to use with funds. For example, embodiments may be used to transfer other kinds of unit of points or credits, for example points in a loyalty program, such as air miles.
  • the user data store 206 stores data relating to each user, including security information.
  • the security information includes authentication information in the form of a personal identification number associated with each telephone number by which each user can authenticate themselves.
  • authorisation information by which each user can authorise a transaction is also stored.
  • the authorisation information is in the form of questions and answers.
  • the authorisation information may in the art be known as a "signature".
  • the transfer control system 102 may be configured to automatically ask predetermined questions. The answers may be input by the first user using the keypad and communicated to the transfer control system 102 using DTMF signals.
  • the transfer control system may allow the user to record spoken answers to questions which are stored in the user data store 206. Spoken answers can then be matched against the recorded answers.
  • the user data store 206 also includes account information of the user at a third party banking entity; for example the first account may be linked with a debit card, such as a Visa or Mastercard, so that a secure transaction can be performed during the voice call, for example a SWIFT transaction.
  • the account information enables automated debiting of an account of the user with the banking entity. If a transaction request is received instructing transfer of funds from an account of a user to the account of another user, and there are insufficient funds in the account of the user to permit the transfer, the transfer control system 102 is configured to use the account information to debit an appropriate amount from the account of that user with the banking entity to enable the transaction to proceed. If there is no such accounts information for a user, or if such debiting is not authorised, then processing of the transfer is stopped.
  • a feature of embodiments is that a transfer of funds from the first account to the second account can be arranged entirely in a voice call, where DTMF signalling is enabled. Further, even if the first and second users do not have an account, the second user can set up the second account using only a voice call. Telephones enabling voice calls and configured to provide DTMF signals over a voice call connection are ubiquitous. In some embodiments, accounts may be otherwise set up, for example at a web interface where the transfer control system 102 is configured with a web server configured to handle account set up.
  • the rules data store 208 stores rules that have to be met for every transfer of funds, for example, for compliance with local laws and to prevent fraud.
  • the rules may, for example, be anti-money laundering rules intended to prevent money laundering, and be dependent on the law of the country or countries in which the first user is based, the second user is based, or the transfer control system is physically located.
  • At least one of the rules may be configured to detect if a transfer request originates in a country other than a country with which the first telephone number is associated, and decline the transfer if fraud is determined to be likely. Similarly, if the second telephone number is associated with a country to which a history of the first indicates that it is unlikely that funds would be transferred, the transfer may be declined.
  • the first user operates the first device 104 to initiate a voice call to the transfer control system 102 and the voice call is set up at step 302.
  • the first user may operate the first device 104 to call a pre-stored number for the transfer control system 102.
  • the transfer control system 102 attempts to detect the telephone number ("first telephone number" of the first user device 104 from which the call is made. If the first telephone number is detected, the transfer control system 102 attempts at step 308 to identify an account associated with the first telephone number.
  • the transfer control system is configured to request a telephone number associated with an account from which it is wanted to transfer funds at step 310. For example, this may occur if the transfer control system 102 is unable to detect the first telephone number where the first user device 104 is configured to hide that number. If no such account is available, the first user is offered the option to create an account. However, for security reasons, since a telephone number is typically a good identifier of a person, the first user preferably may only be allowed to create an account corresponding to the telephone number from which the voice call was initiated.
  • an account (“the first account") is found corresponding to the first telephone number, the first user is then asked at step 312 if the first user would like to transfer funds from the first account or from another account.
  • the first user If the first user would like to use another account, the first user inputs the telephone number of the other account at the first user device 104 and the process of transferring funds proceeds in the same way as it would with the first account associated with the first telephone number, as indicated at step 314. Thus, no further description of how the funds transfer would proceed with the other number is needed.
  • the transfer control system 102 requests input of transfer data at step 316, namely the telephone number ("second telephone number") of the second user to whom funds are to be transferred, the transfer amount, and a personal identification number (PIN) of the first user.
  • the first user device 104 receives input of the second telephone number, the PIN and amount information and provides it to the transfer control system 102, which receives and stores it in the transaction data store 202 at step 320. Provided the received PIN matches the stored PIN, the first user is authenticated.
  • the transfer control system 102 typically requests the transfer data, that is, the second telephone number, the PIN, the transfer amount and, where appropriate, the first telephone number, in a series of separate questions, following each of which an opportunity is given to input an appropriate part of the transfer data in response.
  • the transfer control system 102 may be configured to handle transfer of funds to a legal entity rather than to a natural person, for example in a physical store in return for goods or service.
  • an account stored in the accounts data store may have a telephone number for the legal entity associated with it, or another kind of entity identifier associated with it rather than a telephone number.
  • the entity identifier may in either case be displayed in the store. Where the entity identifier is not a telephone number, the first user enters the entity identifier in place of the second telephone number, and the transfer control system 102 determines the account using the entity identifier.
  • the transfer can be requested using any user device - it is not required that the first user device 104 is used, since the first telephone number can be input at steps 312 and 310, and thus the first account still identified by the transfer control system 102 and used. Indeed, the transfer can be requested by the first user using a telephone belonging to a third party, for example a telephone in a store.
  • the transfer control system 102 requests authorisation for the transfer from the first user in the voice call. This is performed by causing asking of the first user one or more of the predetermined plurality of questions stored in the user data store 104. The first user then inputs a response at step 322 and the transfer control system 102 then receives the response using the keypad of the first user device 104.
  • the transfer control system 102 determines whether the response is a correct response to the question in accordance with an answer stored in the user data store 104 at step 323. If the answer is correct, the transfer control system 102 determines that the transaction is authorised by the first user at step 334. In some embodiments, steps 321 to 323 may not take place, or may only take place if a rule at 504 indicates that authorisation must be obtained if the transfer is to proceed.
  • the transfer control system 102 determines whether there are sufficient funds in the first account for the transfer to be carried out at step 324. This is done by comparing an amount in the first account with the transfer amount, and determining whether the transfer amount is greater than the amount in the first account.
  • the transfer control system 102 retrieves accounts information from the user data store 204 associated with an account of the first user at a third party banking entity, and automatically debits an appropriate amount at step 325 to permit the transaction to proceed from the account. The funds are received at step 326.
  • the transfer control system 102 also causes an SMS message to be sent to the first user device 104 notifying the first user that this has been done.
  • Steps 324, 325, 326 occur during the voice call. If no accounts information associated with an account of the first user at a third party banking entity is stored in the user data store 204, or if an attempt to debit from such an account is not successful, the transfer control system 102 plays a recorded message to the first user indicating that the transfer of funds cannot proceed, at step 328. Preferably, the first user is given the opportunity to enter valid account information, such that on another attempt funds can be successfully debited.
  • the transfer control system 102 determines if the second user has an account using the telephone number of the second user, at step 330. If the second user does not have an account in the accounts data store, the second account may be created at step 332, as described below with reference to Figure 4 by the second user. Since the second user may not set up the second account in real-time, the transfer control system 102 may play a prerecorded message informing the first user to attempt to make the transfer at a later time.
  • the transfer control system 102 may store a record in the transactions data store 202 of this attempted transaction, and, after the second user creates the second account associated with the second number, the transfer control system 102 may cause an SMS message to be sent to the first user device 104 notifying the second user of such.
  • the transfer control system 102 determines whether the transfer is permitted at step 334, described with reference to Figure 5. If the transfer is not permitted, processing of the transfer ends at step 334 and an SMS is sent to the first user device 104 to notify the first user.
  • the transfer control system 102 updates the first and second accounts on the basis on the transfer amount at step 334.
  • the transfer control system 102 then causes an SMS message to be sent to the first user device 104 confirming the transaction at step 340.
  • the transfer control system 102 also causes an SMS message to be sent to the second user at step 342 notifying the second user device 106 that an amount has been transferred to the second account.
  • the transfer control system 102 may determine, based on the rules in the rules store 208, that authorisation information is required from the first user before the transfer of funds is permitted to proceed. Accordingly, after determining that the second user has an account (the second account) and determining that the transaction is permitted, the transfer control system 102 causes an automated voice to ask the first user to authorise the transaction as described above, for example using stored questions, which are asked, and stored answers, to which one or more answers received from the first user have to be matched in order for the transfer to be authorised.
  • the transfer control system 102 causes, at step 400, an SMS message to be sent to the second user device 106, in which the second user is notified that the first user wishes to transfer funds to the second user and asking the second user to set up an account.
  • the SMS message includes a telephone number that the second user should call to set up the second account.
  • the second user then operates the second user device 106 to initiate a call using the telephone number, and a call is consequently established between the second user device 106 of the second user and the transfer control system 102.
  • the transfer control system 102 uses an automated voice to request information necessary at step 402 from the second user in order to set up the second account.
  • the requested information includes a name and address of the second user, and the telephone number of the second user to be used with the second account.
  • the requested information may include any other information required for compliance with regulatory requirements.
  • the requested information may also include authentication information, that is, a PIN, and the authorisation information, that is, an answer to a predetermined question.
  • the transfer control system 102 then creates a new account (the second account) in the accounts data store 204.
  • the transfer control system 102 may initiate a call to the second user using the second telephone number, in order for the second to set up the second account and thus receive the funds from the first account.
  • the transfer control system 102 may be configured with an automated questioning and answering system for such account set up.
  • the transfer control system 102 determines if the second user is permitted to receive funds and/or if the first user is permitted to send funds. One or both may be black-listed. This may be implemented as one of the rules in the rules store 208. If the first or second user is not permitted, processing of the transaction is halted at step 502.
  • the transfer control system 102 determines at step 504 whether rules in the rules store are met at step 504. At least some of the rules are intended to prevent fraud and/or money laundering. Provided the rules are met, the transfer control system 102 determines that the transaction is permitted to proceed at step 508. As mentioned above, one or more of the rules may indicate that the authorisation for the transfer should be obtained from the first user where authorisation has not already been obtained. In this case, authorisation is sought. If the rules are not complied with, the transaction is prevented at step 506. In the above described embodiments, authorisation information may be sought from the first user in the voice call by an automated voice.
  • the transfer control system 102 may, in some embodiments as an additional security measure, initiate a voice call to the user device to which that first telephone number is assigned in order to obtain the authorisation information from the first user. This may be done after the call initiated in step 300 has been completed, that is, after step 334, and transfer for the funds at step 338 held until the transfer is authorised. Where the first user uses the first user device 104 to instruct the transfer and the first telephone number is assigned to the first user device 104, this may result in the first user device 104 being called by the transfer control system 102 immediately after the call instructing the transfer has ended.
  • the embodiment described above requires the first and second user devices 104, 106 to be configured for voice calls using telephone numbers and for SMS using telephone numbers so that notifications can be sent to the user devices.
  • messages may be sent to the first and second user devices 104, 106 by other means, for example by email.
  • the funds transfer control system 102 may additionally or alternatively be configured to call the first and second users 104, 106 at the first and second numbers and play an automated message conveying the information that would have been in the SMS messages.
  • Fixed landlines or any other telephones without SMS functionality may thus be used to request fund transfers.
  • softphones which enable users to make calls over the internet, may be used to request fund transfers.
  • a currency conversion process may be carried out.
  • an exchange rate is obtained and the first account and the second account are debited and credited appropriated in their respective currencies.
  • Exchange rate information is available from application programming interfaces publicly available via the internet.
  • the currency conversion process may include taking of a commission.
  • the IVR software is preferably configured to detect a language associated with a particular user and provide information and questions in the language. The language may be based on the country with which the first telephone number is associated.
  • Embodiments of the invention are not limited to any particular technology enabling voice calls, but it is to be noted that the voice call connection may be over a dedicated communications channel / be a circuit switched connection between the first user device and the transfer control system. It will be appreciated by persons skilled in the art that various modifications are possible to the embodiments.

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

Abstract

L'invention concerne le transfert de fonds depuis un premier compte vers un second compte mémorisés dans une mémoire de données de comptes utilisateur. Des données de transfert sont reçues (320) dans un appel vocal. Les données de transfert comprennent des secondes informations identifiant le second compte et des informations de montant. Des premières informations sont également reçues et permettent d'identifier le premier compte pendant un processus de configuration pour l'appel vocal et/ou dans les données de transfert. Les premier et second comptes sont ensuite mis à jour (338) en fonction d'informations de montant.
PCT/IB2018/054530 2017-06-20 2018-06-20 Transfert de fonds à l'aide d'un appel vocal WO2018235006A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB2003991.3A GB2593201A (en) 2017-06-20 2018-06-20 Funds transfer using a voice call

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB1709876.5 2017-06-20
GBGB1709876.5A GB201709876D0 (en) 2017-06-20 2017-06-20 Funds transfer using a voice call

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WO2018235006A1 true WO2018235006A1 (fr) 2018-12-27

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PCT/IB2018/054530 WO2018235006A1 (fr) 2017-06-20 2018-06-20 Transfert de fonds à l'aide d'un appel vocal

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WO (1) WO2018235006A1 (fr)

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008027620A1 (fr) * 2006-03-30 2008-03-06 Obopay Inc. Système de paiement mobile entre deux personnes

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008027620A1 (fr) * 2006-03-30 2008-03-06 Obopay Inc. Système de paiement mobile entre deux personnes

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GB201709876D0 (en) 2017-08-02
GB2593201A (en) 2021-09-22
GB202003991D0 (en) 2020-05-06

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