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WO2008065271A3 - Procede et systeme de retrait d'argent a l'aide d'un telephone mobile - Google Patents

Procede et systeme de retrait d'argent a l'aide d'un telephone mobile Download PDF

Info

Publication number
WO2008065271A3
WO2008065271A3 PCT/FR2007/001819 FR2007001819W WO2008065271A3 WO 2008065271 A3 WO2008065271 A3 WO 2008065271A3 FR 2007001819 W FR2007001819 W FR 2007001819W WO 2008065271 A3 WO2008065271 A3 WO 2008065271A3
Authority
WO
WIPO (PCT)
Prior art keywords
withdrawal
mobile
atm
mobile telephone
subscriber
Prior art date
Application number
PCT/FR2007/001819
Other languages
English (en)
Other versions
WO2008065271A2 (fr
Inventor
Serge Barthelemy
Original Assignee
Paycool Int Ltd
Serge Barthelemy
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 Paycool Int Ltd, Serge Barthelemy filed Critical Paycool Int Ltd
Publication of WO2008065271A2 publication Critical patent/WO2008065271A2/fr
Publication of WO2008065271A3 publication Critical patent/WO2008065271A3/fr

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]
    • G07F19/203—Dispensing operations within 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
    • 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
    • G06Q20/327—Short range or proximity payments by means of 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
    • G06Q20/38—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
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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]

Landscapes

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

Abstract

L'invention concerne un procédé de retrait de billets de banque par un demandeur d'un retrait auprès d'un DAB (21) d'une banque (A), caractérisé en ce qu'il comporte les étapes consistant à : permettre la sélection par le demandeur du retrait, parmi les transactions possibles sur le DAB, d'une transaction dite de Retrait Mobile; préparer une demande de Retrait Mobile sur le DAB et la transmettre au Téléphone Mobile (41) d'un abonné (43) à un Service de Paiement Mobile d'un Opérateur de Paiement Mobile, puis permettre à l'abonné de valider ou de refuser la demande de Retrait Mobile par l'intermédiaire de son Téléphone Mobile; en cas de validation du Retrait Mobile par l'abonné, commander au DAB (21) de remettre les billets au demandeur du retrait. L' invention concerne également un Système apte à mettre en œuvre le procédé ci-dessus.
PCT/FR2007/001819 2006-11-08 2007-11-04 Procede et systeme de retrait d'argent a l'aide d'un telephone mobile WO2008065271A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0609741A FR2908211B1 (fr) 2006-11-08 2006-11-08 Procede et systeme de retrait d'argent a l'aide d'un telephone mobile
FR0609741 2006-11-08

Publications (2)

Publication Number Publication Date
WO2008065271A2 WO2008065271A2 (fr) 2008-06-05
WO2008065271A3 true WO2008065271A3 (fr) 2008-09-25

Family

ID=38244847

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2007/001819 WO2008065271A2 (fr) 2006-11-08 2007-11-04 Procede et systeme de retrait d'argent a l'aide d'un telephone mobile

Country Status (2)

Country Link
FR (1) FR2908211B1 (fr)
WO (1) WO2008065271A2 (fr)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2009157003A1 (fr) * 2008-06-26 2009-12-30 Suresh Babubhai Kapadia Système et procédé pour empêcher le détournement d'une carte de crédit/carte de débit volée, perdue, reproduite, falsifiée ou contrefaite
FR3021142B1 (fr) * 2014-05-19 2016-05-27 Sesame Touch Authentification ubiquitaire
US11062316B2 (en) 2017-08-14 2021-07-13 Feedzai—Consultadoria e Inovaçâo Tecnológica, S.A. Computer memory management during real-time fraudulent transaction analysis
CN111986405B (zh) * 2020-09-01 2022-04-26 中国银行股份有限公司 一种基于自助取款机的共有财产取款验证方法和装置
EP3971851A1 (fr) * 2020-09-22 2022-03-23 IPCO 2012 Limited Dispositif électronique, procédé et produit programme informatique permettant d'ordonner l'exécution d'une transaction demandée à un guichet automatique
US20250209893A1 (en) * 2023-12-20 2025-06-26 Fidelity Information Services, Llc Systems and methods for currency amount determination in touchless atm services

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5386104A (en) * 1993-11-08 1995-01-31 Ncr Corporation System and method for detecting user fraud in automated teller machine transactions
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire
WO2000042581A1 (fr) * 1999-01-13 2000-07-20 Sonera Oyj Procede et systeme de gestion de paiements
EP1134705A2 (fr) * 2000-02-18 2001-09-19 NRC International Inc. Terminal libre service
WO2002009001A1 (fr) * 2000-07-20 2002-01-31 Citicorp Development Center, Inc. Procede et systeme permettant d'effectuer une transaction au comptant a l'aide d'un terminal de transactions financieres libre-service
US20030004827A1 (en) * 1998-04-27 2003-01-02 Wang Ynjiun P. Payment system
GB2396472A (en) * 2002-12-18 2004-06-23 Ncr Int Inc System for cash withdrawal
US20040122771A1 (en) * 2002-12-19 2004-06-24 International Business Machines Corporation Automated teller machine for use with computing devices
WO2005098770A1 (fr) * 2004-04-08 2005-10-20 Patch Pte Ltd Appareil d'identification, d'autorisation et/ou de notification

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2801995B1 (fr) * 1999-12-07 2005-09-09 Bruno Duval Procede et systeme de gestion d'une transaction securisee a travers un reseau de communication
DE10039569C5 (de) * 2000-08-09 2007-04-26 Vodafone Ag Verfahren zur Bezahlung an beliebigen Verkaufs- bzw. Dienstleistungsstellen mit Mobiltelefon

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5386104A (en) * 1993-11-08 1995-01-31 Ncr Corporation System and method for detecting user fraud in automated teller machine transactions
WO1999014711A2 (fr) * 1997-09-17 1999-03-25 Andrasev Akos Procede de controle de l'utilisation legitime d'une carte de debit ou d'un moyen similaire donnant droit a disposer d'un compte bancaire
US20030004827A1 (en) * 1998-04-27 2003-01-02 Wang Ynjiun P. Payment system
WO2000042581A1 (fr) * 1999-01-13 2000-07-20 Sonera Oyj Procede et systeme de gestion de paiements
EP1134705A2 (fr) * 2000-02-18 2001-09-19 NRC International Inc. Terminal libre service
WO2002009001A1 (fr) * 2000-07-20 2002-01-31 Citicorp Development Center, Inc. Procede et systeme permettant d'effectuer une transaction au comptant a l'aide d'un terminal de transactions financieres libre-service
GB2396472A (en) * 2002-12-18 2004-06-23 Ncr Int Inc System for cash withdrawal
US20040122771A1 (en) * 2002-12-19 2004-06-24 International Business Machines Corporation Automated teller machine for use with computing devices
WO2005098770A1 (fr) * 2004-04-08 2005-10-20 Patch Pte Ltd Appareil d'identification, d'autorisation et/ou de notification

Also Published As

Publication number Publication date
FR2908211A1 (fr) 2008-05-09
FR2908211B1 (fr) 2009-02-20
WO2008065271A2 (fr) 2008-06-05

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