WO2023101632A1 - Money transfer system via application - Google Patents
Money transfer system via application Download PDFInfo
- Publication number
- WO2023101632A1 WO2023101632A1 PCT/TR2022/050698 TR2022050698W WO2023101632A1 WO 2023101632 A1 WO2023101632 A1 WO 2023101632A1 TR 2022050698 W TR2022050698 W TR 2022050698W WO 2023101632 A1 WO2023101632 A1 WO 2023101632A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- data
- money transfer
- transaction
- application
- banking application
- 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
- G06Q20/30—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
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
-
- 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
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
Definitions
- the present invention relates to a system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer.
- data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer.
- Electronic banking transactions substitute for physical banking transactions by being executed on mobile devices and personal computers and provide convenience for users. Transactions of money transfer are one of the most common transactions carried out on electronic banking transactions and web pages.
- US2020151688A1 an application in the state of the art, discloses a system and method for performing fast money transfer by enabling data transmission between an instant message application and a payment application.
- the said invention enables an electronic device to establish connection with a payment application via an application interface while executing an instant message application in order to provide a convenient money transfer without requiring any account login or creation activities, and a sender to transfer a specified amount to one or more recipients by using the senders’ phone numbers.
- An objective of the present invention is to realize a system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer in the state of the art.
- Figure l is a schematic block diagram of the inventive system.
- the inventive system (1) system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address directly to a banking application and carrying out transaction of fast money transfer comprises:
- At least one application (2) which is configured to be run on an electronic device (EC); to receive and/or save data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address; and to share the selected data with a selected party;
- EC electronic device
- - at least one banking application (3) which is configured to be run on an electronic device (EC); to establish communication with the application (2); to receive the data shared by the application (2); to parse the data that will enable to initiate the money transfer by analysing the received data; to initiate transaction of fast money transfer by using the parsed data; to ensure that the transaction of money transfer can be viewed by the user over the user interface; - at least one banking application server (4) which is configured to establish communication with the banking application (3); to receive the parsed data with respect to the transaction of fast money transfer initiated, the amount to be transferred, the date of transfer; and to carry out the transaction of money transfer.
- EC electronic device
- the application (2) included in the inventive system (1) is configured to be run on an electronic device (EC); to receive and/or save data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address; and to share the selected data with a selected party.
- the application (2) is configured to receive data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code from applications (2) being run on the electronic devices (EC) of other users, in written or visual form.
- the application (2) is configured to save mobile phone number, ID number, e-mail address data.
- the banking application (3) included in the inventive system (1) is configured to be run on an electronic device (EC); to establish communication with the application (2); to receive the data shared by the application (2); to parse the data that will enable to initiate the money transfer by analysing the received data; to initiate transaction of fast money transfer by using the parsed data; to ensure that the transaction of money transfer can be viewed by the user over the user interface.
- the banking application (3) is configured to receive at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are selected by the users so as to share on the application (2).
- the banking application (3) is configured to process the account number, IBAN number, mobile phone number, ID number, e-mail address data in visual form by means of with optical character recognition techniques and then to transform them into a written form.
- the banking application (3) is configured to process the two-dimensional code image in the form of QR code and then to parse the data such as account number, IBAN number, mobile phone number, ID number, e-mail address inside the QR code.
- the banking application (3) is configured to initiate transaction of fast money transfer by using at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address in written form, as a recipient data.
- the banking application (3) is configured to determine the amount to be transferred and the date of transfer in an initiated transaction of fast money transfer, by means of the data input provided by means of the user interface that is displayed over the user’s electronic device (EC). In one preferred embodiment of the invention, the banking application (3) is configured to present the information about the transaction of money transfer completed to the user over the user interface.
- the banking application server (4) included in the inventive system (1) is configured to establish communication with the banking application (3); to receive the parsed data with respect to the transaction of fast money transfer initiated, the amount to be transferred, the date of transfer; and to carry out the transaction of money transfer.
- the banking application server (4) is configured to process the data such as account number, IBAN number in written form -that is sent with respect to the transaction of fast money transfer initiated- directly as a recipient account number.
- the banking application server (4) is configured to process at least one data such as mobile phone number, ID number, e-mail address in written form -that is sent with respect to the transaction of fast money transfer initiated- by converting it into the recipient account number with which it is matched for fast money transfer.
- the banking application server (4) is configured to carry out transaction of money transfer with the determined recipient account number, the amount to be transferred and the date of transfer.
- the user selects at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are transmitted via an application (2) being his/her electronic device (EC) or at least one data such as mobile phone number, ID number, e-mail address saved on an application (2) and shares it with the banking application (3).
- at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are transmitted via an application (2) being his/her electronic device (EC) or at least one data such as mobile phone number, ID number, e-mail address saved on an application (2) and shares it with the banking application (3).
- the banking application (3) uses at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address in written form, as a recipient data by processing data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form by means of optical character recognition or QR code recognition techniques and then initiates the transaction of fast money transfer.
- the banking application (3) determines the amount to be transferred and the date of transfer in an initiated transaction of fast money transfer, by means of the data input provided by means of the user interface that is displayed over the user’s electronic device (EC) and the transaction of fast money transfer is transmitted to the banking application server (4).
- the banking application server (4) processes the data such as account number, IBAN number in written form - that is sent with respect to the transaction of fast money transfer- as a recipient account number; processes at least one data such as mobile phone number, ID number, e-mail address in written form -that is sent with respect to the transaction of fast money transfer initiated- by converting it into the recipient account number with which it is matched for fast money transfer; and carries out transaction of money transfer with the determined recipient account number, the amount to be transferred and the date of transfer.
- the inventive system (1) enables to facilitate transaction of money transfer upon the data shares carried out by users among applications are processed and the recipient account number is determined from different data correctly and fast.
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a system (1) for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address –which are transmitted via at least one application (2) and recorded on at least one application (2) – directly to a banking application (3) and carrying out transaction of fast money transfer.
Description
MONEY TRANSFER SYSTEM VIA APPLICATION
Technical Field
The present invention relates to a system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer.
Background of the Invention
Electronic banking transactions substitute for physical banking transactions by being executed on mobile devices and personal computers and provide convenience for users. Transactions of money transfer are one of the most common transactions carried out on electronic banking transactions and web pages.
Users send the bank information whereby money transfer will be performed by means of applications through which they communicate via their electronic devices, to each other and transaction of money transfer is carried out in order to make payments with these information. Users need to transfer the received account information manually to electronic banking applications or web pages they use in their electronic devices. The fact that information are entered incorrectly or incompletely while transferring the said account information manually causes the transaction of money transfer to be unrealizable or to transfer money into a wrong account.
Considering the deficiencies of money transfer transactions in electronic banking applications included in the current technique; it is understood that there is need for a system for transferring data such as account number, IBAN number, two- dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer in the state of the art.
The United States patent document no. US2020151688A1, an application in the state of the art, discloses a system and method for performing fast money transfer by enabling data transmission between an instant message application and a payment application. The said invention enables an electronic device to establish connection with a payment application via an application interface while executing an instant message application in order to provide a convenient money transfer without requiring any account login or creation activities, and a sender to transfer a specified amount to one or more recipients by using the senders’ phone numbers.
Summary of the Invention
An objective of the present invention is to realize a system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address -which are transmitted via at least one application and recorded on at least one application- directly to a banking application and carrying out transaction of fast money transfer in the state of the art.
Detailed Description of the Invention
“A Money Transfer System via Application” realized to fulfil the objective of the present invention is shown in the figure attached, in which:
Figure l is a schematic block diagram of the inventive system.
The components illustrated in the figure are individually numbered, where the numbers refer to the following:
1. System
2. Application
3. Banking application
4. Banking application server
EC: Electronic device
The inventive system (1) system for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address directly to a banking application and carrying out transaction of fast money transfer comprises:
- at least one application (2) which is configured to be run on an electronic device (EC); to receive and/or save data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address; and to share the selected data with a selected party;
- at least one banking application (3) which is configured to be run on an electronic device (EC); to establish communication with the application (2); to receive the data shared by the application (2); to parse the data that will enable to initiate the money transfer by analysing the received data; to initiate transaction of fast money transfer by using the parsed data; to ensure that the transaction of money transfer can be viewed by the user over the user interface;
- at least one banking application server (4) which is configured to establish communication with the banking application (3); to receive the parsed data with respect to the transaction of fast money transfer initiated, the amount to be transferred, the date of transfer; and to carry out the transaction of money transfer.
The application (2) included in the inventive system (1) is configured to be run on an electronic device (EC); to receive and/or save data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address; and to share the selected data with a selected party. In one preferred embodiment of the invention, the application (2) is configured to receive data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code from applications (2) being run on the electronic devices (EC) of other users, in written or visual form. In one preferred embodiment of the invention, the application (2) is configured to save mobile phone number, ID number, e-mail address data.
The banking application (3) included in the inventive system (1) is configured to be run on an electronic device (EC); to establish communication with the application (2); to receive the data shared by the application (2); to parse the data that will enable to initiate the money transfer by analysing the received data; to initiate transaction of fast money transfer by using the parsed data; to ensure that the transaction of money transfer can be viewed by the user over the user interface. In one preferred embodiment of the invention, the banking application (3) is configured to receive at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are selected by the users so as to share on the application (2). In one preferred embodiment of the invention, the banking application (3) is configured to process the account
number, IBAN number, mobile phone number, ID number, e-mail address data in visual form by means of with optical character recognition techniques and then to transform them into a written form. In one preferred embodiment of the invention, the banking application (3) is configured to process the two-dimensional code image in the form of QR code and then to parse the data such as account number, IBAN number, mobile phone number, ID number, e-mail address inside the QR code. In one preferred embodiment of the invention, the banking application (3) is configured to initiate transaction of fast money transfer by using at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address in written form, as a recipient data. In one preferred embodiment of the invention, the banking application (3) is configured to determine the amount to be transferred and the date of transfer in an initiated transaction of fast money transfer, by means of the data input provided by means of the user interface that is displayed over the user’s electronic device (EC). In one preferred embodiment of the invention, the banking application (3) is configured to present the information about the transaction of money transfer completed to the user over the user interface.
The banking application server (4) included in the inventive system (1) is configured to establish communication with the banking application (3); to receive the parsed data with respect to the transaction of fast money transfer initiated, the amount to be transferred, the date of transfer; and to carry out the transaction of money transfer. In one preferred embodiment of the invention, the banking application server (4) is configured to process the data such as account number, IBAN number in written form -that is sent with respect to the transaction of fast money transfer initiated- directly as a recipient account number. In one preferred embodiment of the invention, the banking application server (4) is configured to process at least one data such as mobile phone number, ID number, e-mail address in written form -that is sent with respect to the transaction of fast money transfer initiated- by converting it into the recipient account number with
which it is matched for fast money transfer. In one preferred embodiment of the invention, the banking application server (4) is configured to carry out transaction of money transfer with the determined recipient account number, the amount to be transferred and the date of transfer.
Industrial Application of the Invention
In the inventive system (1), the user selects at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are transmitted via an application (2) being his/her electronic device (EC) or at least one data such as mobile phone number, ID number, e-mail address saved on an application (2) and shares it with the banking application (3). The banking application (3) uses at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address in written form, as a recipient data by processing data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form by means of optical character recognition or QR code recognition techniques and then initiates the transaction of fast money transfer. The banking application (3) determines the amount to be transferred and the date of transfer in an initiated transaction of fast money transfer, by means of the data input provided by means of the user interface that is displayed over the user’s electronic device (EC) and the transaction of fast money transfer is transmitted to the banking application server (4). The banking application server (4) processes the data such as account number, IBAN number in written form - that is sent with respect to the transaction of fast money transfer- as a recipient account number; processes at least one data such as mobile phone number, ID number, e-mail address in written form -that is sent with respect to the transaction of fast money transfer initiated- by converting it into the recipient account number with which it is matched for fast money transfer; and carries out
transaction of money transfer with the determined recipient account number, the amount to be transferred and the date of transfer.
The inventive system (1) enables to facilitate transaction of money transfer upon the data shares carried out by users among applications are processed and the recipient account number is determined from different data correctly and fast.
Within these basic concepts; it is possible to develop various embodiments of the inventive “Money Transfer System via Application (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.
Claims
1. A system (1) for transferring data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address directly to a banking application and carrying out transaction of fast money transfer; comprising
- at least one application (2) which is configured to be run on an electronic device (EC); to receive and/or save data such as account number, IBAN number, two-dimensional code image in the form of QR code, mobile phone number, ID number, e-mail address; and to share the selected data with a selected party; and characterized by
- at least one banking application (3) which is configured to be run on an electronic device (EC); to establish communication with the application (2); to receive the data shared by the application (2); to parse the data that will enable to initiate the money transfer by analysing the received data; to initiate transaction of fast money transfer by using the parsed data; to ensure that the transaction of money transfer can be viewed by the user over the user interface;
- at least one banking application server (4) which is configured to establish communication with the banking application (3); to receive the parsed data with respect to the transaction of fast money transfer initiated, the amount to be transferred, the date of transfer; and to carry out the transaction of money transfer.
2. A system (1) according to Claim 1; characterized by the application (2) which is configured to receive data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two- dimensional code image in the form of QR code from applications (2)
8
being run on the electronic devices (EC) of other users, in written or visual form.
3. A system (1) according to Claim 1 or 2; characterized by the application (2) which is configured to save mobile phone number, ID number, e-mail address data.
4. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to receive at least one data such as account number, IBAN number, mobile phone number, ID number, e-mail address and two-dimensional code image in the form of QR code, in written or visual form that are selected by the users so as to share on the application (2).
5. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to process the account number, IBAN number, mobile phone number, ID number, e-mail address data in visual form by means of with optical character recognition techniques and then to transform them into a written form.
6. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to process the two- dimensional code image in the form of QR code and then to parse the data such as account number, IBAN number, mobile phone number, ID number, e-mail address inside the QR code.
7. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to initiate transaction of fast money transfer by using at least one data such as account number,
9
IBAN number, mobile phone number, ID number, e-mail address in written form, as a recipient data.
8. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to determine the amount to be transferred and the date of transfer in an initiated transaction of fast money transfer, by means of the data input provided by means of the user interface that is displayed over the user’s electronic device (EC).
9. A system (1) according to any of the preceding claims; characterized by the banking application (3) which is configured to present the information about the transaction of money transfer completed to the user over the user interface.
10. A system (1) according to any of the preceding claims; characterized by the banking application server (4) which is configured to is configured to process the data such as account number, IBAN number in written form - that is sent with respect to the transaction of fast money transfer initiated- directly as a recipient account number.
11. A system (1) according to any of the preceding claims; characterized by the banking application server (4) which is configured to process at least one data such as mobile phone number, ID number, e-mail address in written form -that is sent with respect to the transaction of fast money transfer initiated- by converting it into the recipient account number with which it is matched for fast money transfer.
12. A system (1) according to any of the preceding claims; characterized by the banking application server (4) which is configured to carry out
10
transaction of money transfer with the determined recipient account number, the amount to be transferred and the date of transfer.
11
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
TR2021/018862 | 2021-12-01 | ||
TR2021/018862A TR2021018862A2 (en) | 2021-12-01 | 2021-12-01 | MONEY TRANSFER SYSTEM ON THE APPLICATION |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2023101632A1 true WO2023101632A1 (en) | 2023-06-08 |
Family
ID=85114233
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/TR2022/050698 WO2023101632A1 (en) | 2021-12-01 | 2022-07-01 | Money transfer system via application |
Country Status (2)
Country | Link |
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TR (1) | TR2021018862A2 (en) |
WO (1) | WO2023101632A1 (en) |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20140129428A1 (en) * | 2012-11-05 | 2014-05-08 | Mfoundry, Inc. | Qr code-enabled p2p payment systems and methods |
US20160110714A1 (en) * | 2014-10-21 | 2016-04-21 | Kim Ramsoe Norland | Encapsulated Digital Remittance Solution Within Messaging Application |
WO2016069958A1 (en) * | 2014-10-31 | 2016-05-06 | Square, Inc. | Money transfer by use of a payment proxy |
-
2021
- 2021-12-01 TR TR2021/018862A patent/TR2021018862A2/en unknown
-
2022
- 2022-07-01 WO PCT/TR2022/050698 patent/WO2023101632A1/en unknown
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20140129428A1 (en) * | 2012-11-05 | 2014-05-08 | Mfoundry, Inc. | Qr code-enabled p2p payment systems and methods |
US20160110714A1 (en) * | 2014-10-21 | 2016-04-21 | Kim Ramsoe Norland | Encapsulated Digital Remittance Solution Within Messaging Application |
WO2016069958A1 (en) * | 2014-10-31 | 2016-05-06 | Square, Inc. | Money transfer by use of a payment proxy |
Also Published As
Publication number | Publication date |
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TR2021018862A2 (en) | 2021-12-21 |
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