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FI20116222A7 - System for money transfer - Google Patents

System for money transfer Download PDF

Info

Publication number
FI20116222A7
FI20116222A7 FI20116222A FI20116222A FI20116222A7 FI 20116222 A7 FI20116222 A7 FI 20116222A7 FI 20116222 A FI20116222 A FI 20116222A FI 20116222 A FI20116222 A FI 20116222A FI 20116222 A7 FI20116222 A7 FI 20116222A7
Authority
FI
Finland
Prior art keywords
user
transfer
account
payment request
server
Prior art date
Application number
FI20116222A
Other languages
Finnish (fi)
Swedish (sv)
Inventor
Simo Salminen
Tuomo Kajava
Hannu Matilainen
Original Assignee
Onsun Oy
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 Onsun Oy filed Critical Onsun Oy
Priority to FI20116222A priority Critical patent/FI20116222A7/en
Priority to PCT/FI2012/051177 priority patent/WO2013079793A1/en
Priority to EP12852479.0A priority patent/EP2786327A4/en
Publication of FI20116222A7 publication Critical patent/FI20116222A7/en

Links

Classifications

    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING 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
    • 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
    • G06Q20/325—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
    • 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
    • G06Q20/38—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 Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Uppfinningen avser ett system för penningöverföring, vilket system (10) omfattar - en mobil terminal (112) av en användare (112') kopplad till ett mobilnät (130) för sändning av en betalningsbegäran, - användarens (112') nätterminal (132) för registrering av användaren (112'), och - en server (114) omfattande en minnesenhet och en Internet-server (126) med en nättillämpning (116), och i vilket system (10) penningöverföringen är anpassad att utföras i tre steg, av vilka det första är registrering av användaren (112'), det andra är en mobilbetalningsbegäran, och det tredje är en kontoöverföring. I systemet servern (114) omfattar programmerbara medel anpassade - att administrera systemets flera egna bankkonton, - att välja minst ett källbankkonto av sagda systemets egna bankkonton för betalningen genom att använda en automatisk algoritm på basis av information om penningmottagarens (128) konto, - att sända en betalningsbegäran för överföring av pengar.The invention relates to a system for money transfer, which system (10) comprises - a mobile terminal (112) of a user (112') connected to a mobile network (130) for sending a payment request, - the user's (112') network terminal (132) for registering the user (112'), and - a server (114) comprising a memory unit and an Internet server (126) with a network application (116), and in which system (10) the money transfer is adapted to be carried out in three steps, the first of which is registration of the user (112'), the second is a mobile payment request, and the third is an account transfer. In the system, the server (114) comprises programmable means adapted to - administer the system's multiple own bank accounts, - select at least one source bank account from said system's own bank accounts for the payment by using an automatic algorithm based on information about the payee's (128) account, - send a payment request for the transfer of money.

FI20116222A 2011-12-02 2011-12-02 System for money transfer FI20116222A7 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
FI20116222A FI20116222A7 (en) 2011-12-02 2011-12-02 System for money transfer
PCT/FI2012/051177 WO2013079793A1 (en) 2011-12-02 2012-11-29 Electronic payment system
EP12852479.0A EP2786327A4 (en) 2011-12-02 2012-11-29 ELECTRONIC PAYMENT SYSTEM

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FI20116222A FI20116222A7 (en) 2011-12-02 2011-12-02 System for money transfer

Publications (1)

Publication Number Publication Date
FI20116222A7 true FI20116222A7 (en) 2013-06-03

Family

ID=48534732

Family Applications (1)

Application Number Title Priority Date Filing Date
FI20116222A FI20116222A7 (en) 2011-12-02 2011-12-02 System for money transfer

Country Status (3)

Country Link
EP (1) EP2786327A4 (en)
FI (1) FI20116222A7 (en)
WO (1) WO2013079793A1 (en)

Families Citing this family (19)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11574300B1 (en) 2014-04-30 2023-02-07 Wells Fargo Bank, N.A. Mobile wallet systems and methods using trace identifier using card networks
US11461766B1 (en) 2014-04-30 2022-10-04 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11288660B1 (en) 2014-04-30 2022-03-29 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US9652770B1 (en) 2014-04-30 2017-05-16 Wells Fargo Bank, N.A. Mobile wallet using tokenized card systems and methods
US11748736B1 (en) 2014-04-30 2023-09-05 Wells Fargo Bank, N.A. Mobile wallet integration within mobile banking
US10997592B1 (en) 2014-04-30 2021-05-04 Wells Fargo Bank, N.A. Mobile wallet account balance systems and methods
US11663599B1 (en) 2014-04-30 2023-05-30 Wells Fargo Bank, N.A. Mobile wallet authentication systems and methods
US11610197B1 (en) 2014-04-30 2023-03-21 Wells Fargo Bank, N.A. Mobile wallet rewards redemption systems and methods
US10445739B1 (en) 2014-08-14 2019-10-15 Wells Fargo Bank, N.A. Use limitations for secondary users of financial accounts
US11853919B1 (en) 2015-03-04 2023-12-26 Wells Fargo Bank, N.A. Systems and methods for peer-to-peer funds requests
US11468414B1 (en) 2016-10-03 2022-10-11 Wells Fargo Bank, N.A. Systems and methods for establishing a pull payment relationship
US11295297B1 (en) 2018-02-26 2022-04-05 Wells Fargo Bank, N.A. Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet
US11074577B1 (en) 2018-05-10 2021-07-27 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US11775955B1 (en) 2018-05-10 2023-10-03 Wells Fargo Bank, N.A. Systems and methods for making person-to-person payments via mobile client application
US12045809B1 (en) 2018-08-30 2024-07-23 Wells Fargo Bank, N.A. Biller consortium enrollment and transaction management engine
US12254463B1 (en) 2018-08-30 2025-03-18 Wells Fargo Bank, N.A. Biller directory and payments engine architecture
US11551190B1 (en) 2019-06-03 2023-01-10 Wells Fargo Bank, N.A. Instant network cash transfer at point of sale
US12229735B1 (en) 2021-08-17 2025-02-18 Wells Fargo Bank, N.A. Multi-modal parameterization of digital tokens involving multiple entities in defined networks
US11995621B1 (en) 2021-10-22 2024-05-28 Wells Fargo Bank, N.A. Systems and methods for native, non-native, and hybrid registration and use of tags for real-time services

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070005498A1 (en) * 2000-11-06 2007-01-04 Cataline Glen R System and method for optimized funding of electronic transactions
KR100930457B1 (en) * 2004-08-25 2009-12-08 에스케이 텔레콤주식회사 Authentication and payment system and method using mobile communication terminal
US8160959B2 (en) * 2006-07-06 2012-04-17 Firethorn Mobile, Inc. Methods and systems for payment transactions in a mobile environment
GB0804803D0 (en) * 2008-03-14 2008-04-16 British Telecomm Mobile payments
US8606706B2 (en) * 2009-02-13 2013-12-10 Bank Of America Corporation Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing

Also Published As

Publication number Publication date
EP2786327A4 (en) 2015-08-05
EP2786327A1 (en) 2014-10-08
WO2013079793A1 (en) 2013-06-06

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