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WO2009009852A3 - A system and a method for transferring credits using a mobile device - Google Patents

A system and a method for transferring credits using a mobile device Download PDF

Info

Publication number
WO2009009852A3
WO2009009852A3 PCT/BR2008/000209 BR2008000209W WO2009009852A3 WO 2009009852 A3 WO2009009852 A3 WO 2009009852A3 BR 2008000209 W BR2008000209 W BR 2008000209W WO 2009009852 A3 WO2009009852 A3 WO 2009009852A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile device
credit
data
otps
payee
Prior art date
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/BR2008/000209
Other languages
French (fr)
Other versions
WO2009009852A2 (en
Inventor
Mara Regina Morelli
Fabrizio Vargas De Moraes
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Itautec SA
Original Assignee
Itautec SA
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 filed Critical Itautec SA
Publication of WO2009009852A2 publication Critical patent/WO2009009852A2/en
Publication of WO2009009852A3 publication Critical patent/WO2009009852A3/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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

The invention relates to a system and method for transferring credits with the use of a mobile device, using the resources provided by wireless communication networks and the processing resources present in mobile devices such as cellular telephones, palm tops, handheld computers and similar devices. The system comprises a credit authorization unit (18), a provider (16) comprising a memory able to store at least one specific software application capable of generating one-time passwords (OTPs) as well as means to transfer the said software application to the memory of a mobile device (15) carried by a payee, and also a one-time password (OTP) authentication unit (17). The said mobile device comprises means for processing software programs and data, as well as a capability to establish wireless communication links. The method comprises the loading in the said mobile device (15) of a software capable of generating one-time passwords (OTPs) based on exclusive data of the payee, where such data may further include the value of the credit used and other information. The credit can be used at a location where the credit is to be made available, provided with an ATM, a point of sale terminal, a teller desk of a financial institution or similar
PCT/BR2008/000209 2007-07-19 2008-07-21 A system and a method for transferring credits using a mobile device Ceased WO2009009852A2 (en)

Applications Claiming Priority (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
BRPI0703112-2 2007-07-19

Publications (2)

Publication Number Publication Date
WO2009009852A2 WO2009009852A2 (en) 2009-01-22
WO2009009852A3 true WO2009009852A3 (en) 2009-11-12

Family

ID=40260115

Family Applications (1)

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

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

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001031840A1 (en) * 1999-10-29 2001-05-03 Nokia Corporation Method and arrangement for reliably identifying a user in a computer system
US20030204725A1 (en) * 2002-04-26 2003-10-30 Masayuki Itoi Method and system for verifying identity
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
US20060136739A1 (en) * 2004-12-18 2006-06-22 Christian Brock Method and apparatus for generating one-time password on hand-held mobile device
EP1772832A1 (en) * 2004-07-30 2007-04-11 José Ignacio Bas Bayod Method of making secure payment or collection transactions using programmable mobile telephones

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001031840A1 (en) * 1999-10-29 2001-05-03 Nokia Corporation Method and arrangement for reliably identifying a user in a computer system
US20030204725A1 (en) * 2002-04-26 2003-10-30 Masayuki Itoi Method and system for verifying identity
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
EP1772832A1 (en) * 2004-07-30 2007-04-11 José Ignacio Bas Bayod Method of making secure payment or collection transactions using programmable mobile telephones
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
BRPI0703112A2 (en) 2009-07-21
WO2009009852A2 (en) 2009-01-22

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