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BRPI0703112A2 - system and method for mobile credit transfer - Google Patents

system and method for mobile credit transfer

Info

Publication number
BRPI0703112A2
BRPI0703112A2 BRPI0703112-2A BRPI0703112A BRPI0703112A2 BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2 BR PI0703112 A BRPI0703112 A BR PI0703112A BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2
Authority
BR
Brazil
Prior art keywords
credit
mobile device
otp
well
payee
Prior art date
Application number
BRPI0703112-2A
Other languages
Portuguese (pt)
Inventor
Mara Regina Morelli
De Moraes Fabrizio Vargas
Original Assignee
Itautec Sa Grupo Itautec
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 Itautec Sa Grupo Itautec filed Critical Itautec Sa Grupo Itautec
Priority to BRPI0703112-2A priority Critical patent/BRPI0703112A2/en
Priority to PCT/BR2008/000209 priority patent/WO2009009852A2/en
Publication of BRPI0703112A2 publication Critical patent/BRPI0703112A2/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Landscapes

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

Abstract

SISTEMA E METODO PARA TRANSFERENCIA DE CRéDITOS COM USO DE DISPOSITIVO MóVEL. Sistema e método de transferência de créditos com uso de dispositivo móvel, utilizando os recursos oferecidos pelas redes de comunicação sem fio e as facilidades de processamento presentes em dispositivos móveis tais como celulares, paim tops, computadores de mão e assemelhados. O sistema compreende uma unidade autorizadora de crédito (18), um provedor (16) dotado de memória capaz de armazenar pelo menos um aplicativo específico capaz de gerar senhas de uso único (OTP) bem como meios de transferir dito aplicativo para a memória de um dispositivo móvel (15) portado por um favorecido, bem como uma unidade validadora (17) de senhas de uso único (OTP). O dito dispositivo móvel possui meios de processamento de programas e de dados, bem como capacidade de estabelecer enlaces de comunicações sem fio. O método compreende o carregamento no dito dispositivo móvel (15) de um software capaz de gerar senhas de uso único (OTP) a partir de dados exclusivos do favorecido podendo estes dados incluir, ainda, o valor do crédito utilizado e outras informações. O crédito pode ser utilizado num local de disponibilização de crédito provido de ATM, terminal de ponto de venda, guichê de instituição financeira ou equivalente.CREDIT TRANSFER SYSTEM AND METHOD WITH MOBILE DEVICE. System and method of credit transfer using a mobile device, utilizing the capabilities offered by wireless communication networks and the processing facilities present in mobile devices such as cell phones, palm tops, handheld computers and the like. The system comprises a credit authorization unit (18), a memory provider (16) capable of storing at least one specific application capable of generating single use passwords (OTP) as well as means of transferring that application to the memory of a mobile device (15) carried by a payee as well as a one-time password validator (17) unit (OTP). Said mobile device has program and data processing means as well as the ability to establish wireless communications links. The method comprises loading on said mobile device (15) a software capable of generating one-time passwords (OTP) from the payee's exclusive data and may include the amount of credit used and other information. The credit may be used at a credit facility provided with an ATM, point of sale terminal, financial institution window or equivalent.

BRPI0703112-2A 2007-07-19 2007-07-19 system and method for mobile credit transfer BRPI0703112A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
BRPI0703112-2A BRPI0703112A2 (en) 2007-07-19 2007-07-19 system and method for mobile credit transfer
PCT/BR2008/000209 WO2009009852A2 (en) 2007-07-19 2008-07-21 A system and a method for transferring credits using a mobile device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
BRPI0703112-2A BRPI0703112A2 (en) 2007-07-19 2007-07-19 system and method for mobile credit transfer

Publications (1)

Publication Number Publication Date
BRPI0703112A2 true BRPI0703112A2 (en) 2009-07-21

Family

ID=40260115

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0703112-2A BRPI0703112A2 (en) 2007-07-19 2007-07-19 system and method for mobile credit transfer

Country Status (2)

Country Link
BR (1) BRPI0703112A2 (en)
WO (1) WO2009009852A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NO332479B1 (en) 2009-03-02 2012-09-24 Encap As Procedure and computer program for verifying one-time password between server and mobile device using multiple channels
US9536240B2 (en) 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI19992343A7 (en) * 1999-10-29 2001-04-30 Nokia Mobile Phones Ltd Method and arrangement for reliable user identification in a computer system
JP3678417B2 (en) * 2002-04-26 2005-08-03 正幸 糸井 Personal authentication method and system
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
ES2263344B1 (en) * 2004-07-30 2007-11-16 Jose Ignacio Bas Bayod METHOD FOR PERFORMING SECURE PAYMENT OR COLLECTION TRANSACTIONS, USING PROGRAMMABLE MOBILE PHONES.
US20060136739A1 (en) * 2004-12-18 2006-06-22 Christian Brock Method and apparatus for generating one-time password on hand-held mobile device

Also Published As

Publication number Publication date
WO2009009852A3 (en) 2009-11-12
WO2009009852A2 (en) 2009-01-22

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Legal Events

Date Code Title Description
B06G Technical and formal requirements: other requirements [chapter 6.7 patent gazette]

Free format text: SOLICITA-SE A REGULARIZACAO DA PROCURACAO, UMA VEZ QUE BASEADO NO ARTIGO 216 1O DA LPI, O DOCUMENTO DE PROCURACAO DEVE SER APRESENTADO EM SUA FORMA AUTENTICADA; OU SEGUNDO O PARECER DA PROCURADORIA NO 074/93, DEVE CONSTAR UMA DECLARACAO DE VERACIDADE, A QUAL DEVE SER ASSINADA POR UMA PESSOA DEVIDAMENTE AUTORIZADA A REPRESENTAR O INTERESSADO, DEVENDO A MESMA CONSTAR NO INSTRUMENTO DE PROCURACAO, OU NO SEU SUBSTABELECIMENTO.

B03A Publication of a patent application or of a certificate of addition of invention [chapter 3.1 patent gazette]
B25G Requested change of headquarter approved

Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP)

B25G Requested change of headquarter approved

Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP)

B25A Requested transfer of rights approved

Owner name: BR INDUSTRIA E COMERCIO DE PRODUTOS E TECNOLOGIA E

B25D Requested change of name of applicant approved

Owner name: OKI BRASIL INDUSTRIA E COMERCIO DE PRODUTOS E TECN

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B15K Others concerning applications: alteration of classification

Ipc: G06F 21/31 (2013.01), G06Q 20/06 (2012.01), G06Q 2

B09B Patent application refused [chapter 9.2 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL