WO2022015268A3 - Système de partage de solde de compte - Google Patents

Système de partage de solde de compte Download PDF

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Publication number
WO2022015268A3
WO2022015268A3 PCT/TR2021/050501 TR2021050501W WO2022015268A3 WO 2022015268 A3 WO2022015268 A3 WO 2022015268A3 TR 2021050501 W TR2021050501 W TR 2021050501W WO 2022015268 A3 WO2022015268 A3 WO 2022015268A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
enables
service
account balance
sharing system
Prior art date
Application number
PCT/TR2021/050501
Other languages
English (en)
Other versions
WO2022015268A2 (fr
Inventor
Fatih TOSMUR
Original Assignee
Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi
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
Priority claimed from US16/926,728 external-priority patent/US20200342425A1/en
Priority claimed from EP21150739.7A external-priority patent/EP3848826A1/fr
Priority claimed from US17/231,023 external-priority patent/US20210233163A1/en
Application filed by Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi filed Critical Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi
Publication of WO2022015268A2 publication Critical patent/WO2022015268A2/fr
Publication of WO2022015268A3 publication Critical patent/WO2022015268A3/fr

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
    • G06Q20/229—Hierarchy of users of accounts
    • G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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]
    • 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
    • G06Q20/30—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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of 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
    • G06Q20/38—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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

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

Abstract

La présente invention se rapporte à un système de partage de solde de compte qui permet à l'utilisateur final d'effectuer un paiement au nom d'utilisateurs ajoutés à l'application au moyen du module d'ajout d'utilisateurs simplement en utilisant un dispositif mobile ou similaire sans être porteur d'une carte de crédit physique; qui permet à ces utilisateurs de définir une limite temporaire sur au moins une carte de crédit qui est définie dans le système et qui est possédée par l'utilisateur; et qui permet à la limite temporaire définie d'être dépensée dans des magasins participants par les utilisateurs membres pour lesquels cette limite temporaire est définie. Le système de partage de solde de compte développé dans la présente invention fonctionne comme « sur les lieux » ainsi que dans différentes configurations telles qu'une infrastructure en tant que service (IaaS), une plate-forme en tant que service (PaaS), un logiciel en tant que service (SaaS), les serveurs mentionnés pouvant être dans une structure virtuelle, et comprend au moins un ou plusieurs dispositifs utilisateurs, au moins un ou plusieurs réseaux, au moins une ou plusieurs bases de données, au moins un ou plusieurs serveurs d'application; et comprend au moins une ou plusieurs interfaces utilisateur graphiques (GUI), au moins un ou plusieurs réseaux de communication et plusieurs modules pour gérer le processus de partage de comptes.
PCT/TR2021/050501 2020-07-12 2021-05-27 Système de partage de solde de compte WO2022015268A2 (fr)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US16/926,728 US20200342425A1 (en) 2018-01-12 2020-07-12 Account balance sharing system
US16/926,728 2020-07-12
EP21150739.7 2021-01-08
EP21150739.7A EP3848826A1 (fr) 2020-01-09 2021-01-08 Système de partage de solde de compte
US17/231,023 US20210233163A1 (en) 2018-01-12 2021-04-15 Account balance sharing system
US17/231,023 2021-04-15

Publications (2)

Publication Number Publication Date
WO2022015268A2 WO2022015268A2 (fr) 2022-01-20
WO2022015268A3 true WO2022015268A3 (fr) 2022-04-28

Family

ID=79555769

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2021/050501 WO2022015268A2 (fr) 2020-07-12 2021-05-27 Système de partage de solde de compte

Country Status (1)

Country Link
WO (1) WO2022015268A2 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230065342A1 (en) * 2021-09-01 2023-03-02 Capital One Services, Llc Using quick response code to extend access to an account
CN116703570B (zh) * 2023-07-04 2023-12-15 梅州客商银行股份有限公司 一种清算账户余额校准核对的方法、装置及电子设备

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070255652A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
US20110313897A1 (en) * 2010-06-18 2011-12-22 Ebay Inc. Pay group

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070255652A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
US20110313897A1 (en) * 2010-06-18 2011-12-22 Ebay Inc. Pay group

Also Published As

Publication number Publication date
WO2022015268A2 (fr) 2022-01-20

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