WO2022075932A1

WO2022075932A1 - Mobile application system and method of use to send money using a mobile phone number or company number

Info

Publication number: WO2022075932A1
Application number: PCT/TR2020/051135
Authority: WO
Inventors: Sami Mehmet ZARBUN
Original assignee: Zarbun Sami Mehmet
Priority date: 2020-10-09
Filing date: 2020-11-19
Publication date: 2022-04-14
Also published as: TR202016108A2

Abstract

The invention relates to a mobile application system, which is available for using in mobile phones, smart phones, tablets, etc. mobile devices and web sites, and its method of use for ensuring the money transfer to the counter person/company by entering the mobile telephone number (if it is a person who is recorded in the telephone directory and uses the application, then the name) of the counter person into the screen of the application or, if the money transfer will be made to a company rather than a person, company number of that company without a need for entering the name (if the money is transferred to a person), bank and branch name, bank account number or IBAN number each time when transferring money by means of the information recorded previously by the users.

Description

MOBILE APPLICATION SYSTEM AND METHOD OF USE TO SEND

MONEY USING A MOBILE PHONE NUMBER OR COMPANY NUMBER

Technical Field

The invention relates to a mobile application system, which is available for using in mobile phones, smart phones, tablets, etc. mobile devices and web sites, and its method of use for ensuring the money transfer to the counter person/company by only entering the mobile telephone number (if it is a name recorded in the user's telephone directory, then the name) of the counter person into the screen of the application or, if the money transfer will be made to a company rather than a person, company number of that company without a need for entering the name (if the money is transferred to a person), bank and branch name, bank account number or IBAN number each time when transferring money by means of the information recorded previously by the users.

Background of the Invention

Mobile applications are special programs that increase the functionality and features of mobile devices, such as mobile phones, smart phones and tablets, and add additional capabilities to that device. Today, these programs touch the lives of all people, make it easier and more practical, and in some certain cases even can be said that they save the lives of the people. Even with mobile applications, money and time can be saved.

Internet technology is starting to take place almost completely in life. People shop online, watch TV series and movies online, listen to music online, share many daily activities, places they go to, food they eat, general or private moments with their loved ones and via social media channels. For all these, there are millions of mobile applications with different content and purpose, and thus internet technology now becomes an integral part of human life. They can easily make money transfers for online transactions by means of the mobile applications. Long and complex numbers such as IBAN numbers or bank account numbers, branch, recipient name, etc. are used to make online money transfers. As these numbers are difficult to remember, using them in every money transfer brings various losses of time and erroneous spelling. Along with incorrect spelling, money is sent back and problems are experienced. Various commission fees may also be reflected by banks for these transactions.

In the current technique; there are many applications that are related to money transfers among mobile applications that are actively in use. There are applications that separately download the applications of each bank for money transfers. Thus, the application belonging to that bank must be installed on devices appropriate for use in mobile devices, such as mobile phones, smart phones, tablets, etc. for each bank and necessary information must be written over and over again, and thus this causes a waste of time.

This invention is a mobile application that ensures the easy money transfer of the users and offer alternative solutions (with individual or business organization options) that can easily perform the transactions through directions. Money transfer transactions to the accounts within the same bank or between different banks will become faster, it will be a faster, more practical, easier and secure alternative to the money transfers realized by signing in the internet branches of the banks, and uninterrupted money transfer service will be ensured as 24/7, including holidays, the money transfers performed will be realized directly between the bank accounts defined in the application or the person making payment to the member companies registered to the application and those companies.

The main objective of the invention is to realize the money transfers between the bank accounts in a fast, practical, easy and secure way by entering the mobile phone of the counter person (if it is recorded in the user's telephone directory, then the name) into the field in the mobile application or by entering the business organization number, if the other person is an organization, for 7 days 24 hours in a fast and commission-free manner. (Whether or not to charge a commission fee or to determine a fee will be at the initiative of the bank that will own the application.) After the person downloads the application to his/her telephone, since s/he will define his/her bank account (IBAN), T.R. identity number and mobile phone number in the application while creating the user profile, if it is a business organization, a company number will be assigned for each business organization willing to be included in the payment system and there will be no need to enter the bank information again while sending or receiving money, therefore the money transfer will be realized only by entering the telephone/company number of the person to whom the money will be transferred.

This invention has an intention to ensure and increase sharing among users, therefore it also has a social network feature. Even for a person who thinks that s/he is incapable of using the technology, this invention will provide a great benefit in terms of sending and receiving money and making payments for shopping due to its convenience basing on simplicity and less number of transactional steps. Since all banks are collected within a single application, this will shorten the transaction time and so facilitate the life.

This invention can be used by a single bank that integrates the application with its infrastructure, or, preferably, with the goal of ensuring wider user participation and a more widespread use of the invention, to establish a platform where more than one bank can participate and act jointly. Furthermore, it can also be used on websites in addition to the mobile applications.

The structural and characteristic specifications and all the advantages of the invention will be more clearly understood by the following figures and the detailed explanation written with reference to these figures, and therefore this evaluation should be carried out by taking these figures and detailed explanation into consideration.

Auxiliary Figures for the Explanation of Invention

Figure 1 : Diagram of the mobile application system and its method of use ensuring the transfer of money to the person by using mobile phone number or company number Figure 2: Diagram of the mobile application system and its method of use ensuring the transfer of money to the business organization by using mobile phone number or company number

Auxiliary References for the Explanation of Invention

1. Money transfer screen of application

2. Telephone/company number of money transfer recipient entry

3. Money amount entry

4. Transfer button

5. Cloud server

6. Money transfer button

7. Request money button

8. List of incoming/outgoing money to the account

9. Amount of incoming/outgoing money

10.Name surname - phone information

11. Profile photo

12.Application home page

13.Selection of method of payment via credit card or bank account

14.Bank account defined for the account

15.Credit card defined for the account

16.Confirmation button

Description of the Invention

This detailed explanation is about the mobile application system that facilitates money transfers between the same or different banks and its method of use, and is presented below without any restrictive effect for a better understanding of the issue.

Invention, if the user is a person, completes the registration process by verifying the mobile telephone number of the user after the application is downloaded by the user and the mobile telephone number is entered to the system along with the personal information such as the name, surname, T.R. identity number and date of birth (10), profile photo (11 ), and optionally e-mail address. By entering the IBAN number, the bank account (optionally credit card account) is defined in the application. As an additional means of communication, the e-mail address of the user can also be registered in the system. If the user is a business organization, a company number will be assigned for each business organization willing to be included in the payment system. By this means, the company number of that business organization will be used during the transfer of money.

The user can display the list of incoming/outgoing money (8) and the amount of incoming/outgoing money (9), as well as the balance of the bank account of the user connected to the application on the application home page (12). By using the money transfer button (6) or request money button (7) located at the top of the application home page (12), the money transfer process or the money request process is initiated.

On the application's money transfer screen (1 ) opened when clicked on the money transfer button (6), the mobile telephone number of the counter person (the name if s/he is recorded in the telephone directory and uses the application) or the company number (2), if it is a company, is entered, then by entering the amount of the money to be transferred in money amount entry (3) field, pressed transfer button (4), and all relevant data are proceeded over cloud server (5) and sent to the counter party.

An instant notification that money has been received is sent to the mobile phone application of the person receiving the money. When the person receiving the money runs the application and opens the application home page (12), s/he can see the list of incoming/outgoing money (8) and the amount of incoming/outgoing money (9) in the section of the incoming/outgoing money (9), as well as the sender and the balance of the bank account.

The money transferred is automatically transferred to the IBAN number given in the registration information when the recipient of the transfer first registers to the application.

When the user wants to make payment not to a person, but to a company, in other words, a business organization, for online shopping or physically for shopping in any store, s/he performs the money transfer transaction by entering the company number (2) on the money transfer screen (1 ). When the company number is entered, the title and logo of the company also become visible, so transferring money to a wrong company is prevented.

When the business organization number (2) belonging to the business organization is entered into the application, the selection of method of payment via credit card or bank account (13) screen is opened.

When selection of method of payment via credit card or bank account (13) option is clicked, the bank account (14) defined for the account and the credit card (15) defined for the account list is displayed. The desired selection is made among these and the confirmation button (16) is clicked.

After this selection, when the transfer button (4) is clicked, the relevant data are processed on the cloud server (5) and sent to the counter party, and the amount paid for the shopping is transferred to the company's account. The company displays the payments received in details by name and surname, T.R. identity number, mobile phone number, date and time of payment, etc. information. Furthermore, the company must not manually enter invoice information for the payment made. Since the necessary information for the invoice to be issued (e-invoice or invoice printed from the printer) is registered in the system, it is automatically filled in and the process is completed in a fast, accurate and practical way. The transactions realized in this way will increase the service quality and speed by shortening the payment and invoicing time at the payment points of the company.

It is obvious that a person skilled in the art can demonstrate the novelty revealed in the invention by using similar embodiments and/or can apply this embodiment in other areas of similar purpose used in the art. It is therefore obvious that such embodiments will not accommodate the criterion of overcoming novelty and in particular the known status of art.

Claims

CLAIMS . This invention relates to a mobile application system, which is available for using in mobile phones, smart phones, tablets, etc. mobile devices, and its method of use to enable persons who use the application perform easy, fast and practical money transfer between the accounts in the same bank or different banks by entering the mobile phone number/company number, and it is characterized by having the following transactional steps of operation:

• Downloading, installation and running of the application by the user,

• The completion of the registration process with the verification, name, surname,

T.R. identity number and date of birth (10), profile photo (11), etc. personal information following the registration of the mobile telephone number in the system via "Registration" screen, identification of the bank account in the application by entering the IBAN number (optionally the credit card information), and the registration of the e-mail address of the user as an alternative means of communication,

• If the user is a business organization, the assignment of a company number for each business organization willing to be included in the payment system,

• By using the money transfer button (6) or request money button (7) located at the top of the application home page (12), initiation of the money transfer process or the money request process,

• Seeing the money received, the sender and the balance of the account in the list of the incoming/outgoing money (8) and the amount of incoming/outgoing money (9) fields,

• On the money transfer screen (1 ) of the application opened when clicked on the transfer money button (6), entering the mobile telephone number of the counter person (if it is a person who is recorded in the telephone directory and also using the application, or recorded in the telephone directory, then the name of the person) (2) and then entering the amount of the money in money amount entry (3) field, and pressing transfer button (4),

• If the counter party is not a person, in other words, for a money transfer to a company/business organization, when a payment will be made for online shopping or physically during a shopping within a shop, opening of the

7 selection of method of payment via credit card or bank account (13) screen when company number entry (2) is made in money transfer screen (1 ), and clicking on confirmation button (16) after making the requested selection among these by displaying the bank account defined to account (14) and credit card defined to account (15) list following the selection of one of the options,

• The performance of the money transfer transaction to the counter party through proceeding the relevant data over cloud server (5) after transfer button (4) is pressed.

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