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WO2012003842A1 - Procédé et système de paiement et de traitement de toutes les opérations financières à l'aide d'un crédit de téléphone sans fil, à fil et mobile, en tant qu'alternative au transport d'argent ou de cartes de crédit - Google Patents

Procédé et système de paiement et de traitement de toutes les opérations financières à l'aide d'un crédit de téléphone sans fil, à fil et mobile, en tant qu'alternative au transport d'argent ou de cartes de crédit Download PDF

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Publication number
WO2012003842A1
WO2012003842A1 PCT/EG2011/000015 EG2011000015W WO2012003842A1 WO 2012003842 A1 WO2012003842 A1 WO 2012003842A1 EG 2011000015 W EG2011000015 W EG 2011000015W WO 2012003842 A1 WO2012003842 A1 WO 2012003842A1
Authority
WO
WIPO (PCT)
Prior art keywords
accordance
credit
account
phone
party
Prior art date
Application number
PCT/EG2011/000015
Other languages
English (en)
Inventor
Ashraf Abdel Salam Mohammed El Disoky
Original Assignee
Ashraf Abdel Salam Mohammed El Disoky
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 Ashraf Abdel Salam Mohammed El Disoky filed Critical Ashraf Abdel Salam Mohammed El Disoky
Publication of WO2012003842A1 publication Critical patent/WO2012003842A1/fr

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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
    • G06Q20/30—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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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

Definitions

  • This disclosure relates to telecommunication field, money transfer field, finance field, trading filed and commercial field.
  • Method and system for conducting transactions and processes such as commercial, financial, procurement and payment, transfer of money using mobile phone call credit(s) can be the good alternative to carrying cash or credit cards or money, wherein the 1st party who is a buyer or payer or transferor will transfer a phone call credit(s) or balancers) to the second party who is a seller or payee or transferee in exchange with goods or service or as a donation or as any trading or financial transaction or operation.
  • the data comprising the second party phone number, and amount of transferred phone call credit(s) and the telecommunication network service provider will debit the value of transferred phone call credit from the 1st party account and credit it to the 2nd party account. Then the seller or payee or transferee receives this phone credit on his account on a telecommunication network service provider then he can exchange this phone credit with money from a bank or service provider or money exchange office.
  • the 1 st party sends or transfers mobile phone credits), or mobile phone balance, or credit or balance from a separate account to the seller or transferee or payee phone, as an example is shown in the FIG.1 , a person who owns a mobile phone, phone, or iPhone ® or ® Blackberry or a Palm ® or PDA or a landline or PC connected to telecommunication network, or any communications device in which mere is balance or account or phone credit 300, and here he is the buyer 100, mis person bought a good or service from the 2nd party, here he is the seller, and wanted to pay for it through the phone call credit or balance, say the price of this good or service is 20 dollars, then the buyer will transfer phone credit or balance equal to 20 dollar from his mobile phone, to the seller mobile phone, via dialing specific number predetermined for the phone credit transfer, and follow the voice instructions 400, the voice instructions may be as; to transfer phone credit to pay a good or service price press digit 1, to money transfer press digit 2, to transfer phone credit to pay a
  • He may transfer also by credit transfer service 500, existing in most mobile phone networks, or by contacting customer service or contacting a specific number 600, in which the operator will reply to the call and ask him for the data as the amount of credit(s)he needs to transfer, and payee phone number, also he may transfer by Send a short message 700, SMS to a specific number with the value of phone call credit to be transferred and the transferee phone number, and by using a convenient digital communication protocol the operation conducted.
  • credit transfer service 500 existing in most mobile phone networks
  • a specific number 600 in which the operator will reply to the call and ask him for the data as the amount of credit(s)he needs to transfer
  • payee phone number also he may transfer by Send a short message 700, SMS to a specific number with the value of phone call credit to be transferred and the transferee phone number, and by using a convenient digital communication protocol the operation conducted.
  • both transferee and payee receive a confirmation message, or by pressing a digit order or numeric shortcut 800, such as * # 666 * transferred phone credit value* transferee phone number*pin code# .
  • phone credit may be transferred via an application or software on SIM card that may require the transferee to enter the phone credit value and transferee number and pin code.
  • the present invention allows also performing money transfer with the same steps, wherein the transferor will transfer phone call credit that received in the transferee telecommunication account then exchange it with money.
  • the telecommunication account or phone call credit account may be an account on a mobile phone network service provider, or landline phone network service provider, or wireless phone network service provider.
  • the phone call credit may be a credit for national or international phone calls.
  • the present invention allows also performing financial and commercial operations using a separate account and it will be especially for these operations only and its credits used in these operations, wherein the 1st party sends credits to the 2nd party account on a telecommunication network via a convenient digital protocol, and the credits units for this account may be purchased from a service provider or a bank or money exchange office or a retail or any other entity, this account may transfer credits to phone call accounts and vice versa, as shown in FIG.2 for example: the buyer or transferor or payer 100, can buy a credit 1000, used in this account, and can be purchased from mobile phone network provider 1100, or a retail 1200, or money exchange office 1300, or a bank 1400, or any other entity 1500, this credit will added to the special account 1700, which used for transferring and paying and trading operations and may be used in purchasing operations or can be transferred to phone call account 1600, via digit order or digit shortcut 800, as he can press *#06*2*credit value to be transferred into phone call credit *# or via SMS 700, as
  • the financial and commercial operations may include: goods or services sale(s), purchase(s), entitlement(s), introduction's payment(s), fine(s), fee(s), donation(s), taxes, grant(s), salary(s), wage(s), pension(s) salary payments,
  • the 1 st party and 2°" party may be: individual or trade entity or governmental organization or governmental department or nongovernmental organization or nonprofit organization or bank or retail or money Exchange Company or telecommunication service provider or mobile phone service provider or internet website or POS.
  • the Terminal device connected to the telecommunication network include: mobile phone or landline phone or wireless phone or pc or pc with connected to SIM card or usb modem or iPhone ® or ® Blackberry or a Palm ® or PDA or any device that can be connected to a telecommunication network.
  • These accounts may be postpaid or prepaid, in case of prepaid phone call credit account, it can be charged via the same prepaid phone cards, or via special cards for mis service only, or via a bank, or mobile phone networks service provider, or retail, or any other entity.
  • the prepaid account 1800 can be charged by prepaid cards, or special cards for this service 2000, or buying credit from retail 1200, or buying credit from special machine or device 2100, in which this machine or device have screen and keyboard and may have money slot and may be connected to mobile phone service provider via a server or computer 2200, by entering the cash money via a special slot in the device or machine then press a digit to enter the phone number of the required phone to be transferred the credit or charged 2300, the device or the machine check the entered money and connected to the mobile phone service provider via any convenient communication protocol to send the phone credit to the transferee account .
  • this device or machine may be used also in credit transferring or paying to a certain number for example via the same steps .also you can purchase credit from ATM 2
  • Service provider may send a success SMS to the transferee or payee.
  • These transactions and transfers can be conducted via the same telecommunication service provider inside the same country, or in different countries, or between different telecommunications service providers inside the same country, or in different countries
  • the phone call credits can be exchanged with money via banks or money exchange company or any entity provides this service, for example: as shown in FIG 4 the transferor or buyer or payer will transfer phone credit 1600, or credit from separate account 1700, via the same telecommunication network service provider 2500, or another service provider 2600, inside he same country or in another country through the previously detailed method and the network service providers in this case connected with convenient digital protocol to exchange the phone credit and they can do a Liquidation or a balance via banks.
  • the present invention allows also to perform paying bills, as the biller may have a record(s) for subscribers) phone numbers) and when he/they pay bill(s) via transferring phone credits) or transferring separate account(s) credit(s),a software on biller computers) can identify them through his/their phone numbers then proceed and finish the bill(s) payment(s),Also the payer can inquire the bill value via the biller website or calling the biller, then send the value as a phone credits to the biller respective phone number which may be connected to a software that can determine the phone number of the client then complete the bill payment process, the bill(s) payer(s) can complete the payment via transferring phone credit(s) or transferring separate account(s) credit(s),he/they send SMS to the biller(s) respective phone number, data comprising payment operation numbers) and bill number and invoices) or bill(s) number to be confirmed from the biller(s) and finish the process of payment
  • bill(s) payer(s) can complete the payment via transferring phone credit(s) or transferring separate account(s) credit(s),he they call the biller(s) respective phone number and the respective employee answer the call and asking him for payment operation numbers) and bill number and invoices) or bill(s) number then confirm the payment operation.
  • the bills may be paid via transferring phone credits) or transferring separate account(s) credit(s), conducted through softwares) or application(s) on SIM card, and the paying process conducted via interactive process in which the software or application asks him to choose bill(s) payment service and/or choose the biller or enter the biller code number and/or his bills account number, for example, the software displays the option of paying bills, if the user chooses it Then will have another option to choose the biller or enter the biller code, for example, example he chooses gas bills or enters 002226 as gas biller code.
  • the telecommunication network service provider computers is/are connected to the biller computer(s) via convenient digital protocol and display the bill(s) value to die payer, for example, die value is 50$ and die software asks the user to confirm the payment via transferring phone credits) or transferring separate accounts) credit(s) exactlyif the user choose die option of paying via transferring phone call credit,
  • the telecommunication network service provider complete die process and debit the payer account(s) and credit the biller account(s) via connecting to biller bank account, via a convenient digital protocol.
  • the telecommunication service providers may send a confirmation SMS to the payeris) and the biller(s).
  • the present invention allows also to perform paying bills via ATM via cash money or credit card in which the ATM is connected to the biller computer or server example: the payer enters cash money or visa card in ATM then choose the service from ATM men choose the bitter men confirm tbe paying order men the ATM debit the bills value from the credit card or debit card or the cash money and credit the value to the bitter bank account(s) and notify the bitter that the bills had been paid via convent digital protocol and notify the payer on the ATM screen that the process is succeeded.
  • the call credit(s) or separate account credit(s) transfer can conducted via sending SMS to respective phone number and may be interactive
  • the reply SMS may have options for example: the 1st party want to transfer money to 2nd party then he send SMS to phone number 12227656 then the system will reply him by another SMS asking him to choose the service: press 1 to pay bills, press 2 to transfer money, press 3 to pay a good or service price, then the user choose to press digit 2,another interactive window appear on user mobile phone screen, asking him to enter the transferee mobile phone number then he enter 127676565 then interactive message ask him to enter the value of phone credits he need to transfer, he enter $20 the system check his account balance if it has sufficient amount will ask him to enter pin code, he enter the predetermined pin which is 5538 the system check the pin code, if it's correct then display a final confirmation message say :to confirm transferring $5 to
  • the present invention allows also performing paying to a website in which the website account may be belonged to individual(s) or entity or entities.
  • the website account may be connected to a computer (s) or server(s) the website account may be connected to telecommunication network service providers) and/or bank accounts), for example when he wants to pay $5 to the website as a price of buying software.
  • the website will ask him to enter his mobile phone number and amount of phone credit to be transferred and the id of the item he wants to purchase, when he fills the data, the website will send a request to the telecommunication network service providers) to debit the user phone credit by $S, The telecommunication network service providers) will send SMS to the user to confirm the process, if he confirms, the telecommunication network service providers) will send the confirmation to the website with special code and will credit the website account, and will send SMS to the user with confirmation code. The user will enter the code in the website.
  • the software in the website will identify the payment and complete the process.
  • the present invention allows also performing charging mobile phone credit(s) via ATM by cash money and choosing the service fiom ATM and enters the mobile phone number to be charged and the amount of credits) to be charged and enters the cash money from cash slot
  • the charging process can be conducted by using credit card or debit card and may be requiring pin code or information as the date of birth and/or social security number and or address.
  • ATM sends data to
  • the present invention allows also performing the commercial and financial transaction(s) or operations) conducted via ATM, which connected with the telecommunication network service provider, by depositing cash money into the ATM, and choosing the service from ATM, and enters the mobile phone number to be charged and the amount of credit(s) to be charged and enters the cash money from cash slot
  • the charging process can be conducted by using credit card or debit card and may be requiring pin code or information as the date of birth and/or social security number and/or address.
  • ATM sends data to telecommunication network service provider(s) to complete the process(s).
  • ATM credits the telecommunication network service providers) bank account(s), ATM may apply fees.
  • the telecommunication network service provider(s) may send confirmation SMS.
  • the present invention allows also performing transferring phone credit to ATM connected to service provider and may being SIM and having phone number then the ATM will exchange the phone credit to money and get out the money from the money slot
  • the present invention allows also to perform withdrawal cash money from ATM without using credit cards or debit cards by choosing the service fiom ATM, and ft asks him to enter the bank account number and money value and pin code, and may ask him for another security information as national number or birth date or address or national security number or any other information, and the ATM identifies the information via communicating with the bank server or computer using convenient digital protocol, and debit the value from his bank account and get out the cash money from the money slot It may determine a maximum amount per day.
  • the present invention allows also to perform transfer or payment via the payer bank account
  • the postpaid account in case of using the postpaid account, it may be connected with the user bank account then debit the value from his bank account, when the client needs to charge his account, he can dial predetermined number or via an application on SIM card or via SMS or calling customer service then enter his bank account number and pin code and any required security information.
  • the present invention allows also performing the commercial and financial transactions) or operation(s) conducted via POS.
  • the POS may be connected to account(s) from mentioned accounts or have a special account on a telecommunication service providers).
  • the POS may connect to bank account(s) and telecommunication service providers), Or SIM card.
  • the buyer transfer the credit to a phone number respected to POS. and the telecommunication service provider s) credit the respective POS bank account(s).or the POS may exchange the transferred creditf s) by money later on, the telecommunication service provider(s)may send confirmation SMS to the buyer and the buyer can confirm the transaction.
  • the POS confirms the payment and processes the receipt
  • the processfs) may be conducted via a software or application on POS or on computer connected to it
  • the telecommunication service providers) sends success SMS.
  • a special SIM may be connected to the POS and may have
  • telecommunication service providers can credit the respective POS bank account men the softwares) or application(s) on POS or on connected computer, can identify the transaction.
  • POS phone number 2700 mis phone is connected to POS 2800, this POS can be connect with a bank 1400, and service provider 1100, and the telecommunication service providers) credit the respective POS bank account and complete the process.
  • a method and system for withdrawal cash money from ATM using bank account number and pin or security code without using any credit cards or debit cards comprising the bank client chose the service of withdrawal from ATM and enters his bank account number and enters his pin or security code and enters the amount of money to be withdrawal and ATM identify the data if his account has a sufficient amount of money the withdrawal process and the client take the cash money from ATM.
  • the withdrawal process not required any credit card(s) or debit card(s).
  • the withdrawal process has daily and or monthly limit
  • the credit(s) transferring service can be hold when reach predetermined number of security errors.
  • the service can be reactivated upon the user request
  • the telecommunication service providers may send a transaction detailed SMS every transaction.
  • the user can request the deactivation and reactivation of credit transferring service.
  • the predetermining maximum amounts) for transferred credit(s) can be predetermined from user(s) side, or telecommunication service providers) side.
  • the predetermining maximum amount(s) for transferred credits) can be increased upon user(s) request
  • the transferor accounts can be associated with his bank(s) account(s).
  • the user may be transfer money (s) from his bank account(s) to his phone account(s).
  • FIG. 1 is a flowchart of the conducting commercial and financial transactions using phone call credit(s).
  • FIG.2 is a flowchart of the performing financial and commercial operations using separate account.
  • FIG. 3 is a flowchart of the charging the different accounts with ATM and Special device.
  • FIG.4 is a flowchart of the exchanging phone credits by money and international transactions.
  • FIG. 5 is a flowchart of the performing the commercial and financial transaction(s) or operation(s) conducted via POS.
  • FIG.6 is a flowchart of the performing the commercial and financial transaction(s) or operation(s) conducted via ATM.

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

Abstract

L'invention porte sur un procédé et un système de paiement, traitant toutes les opérations commerciales et financières, telles que : le paiement, l'achat, le transfert d'argent et le paiement de factures, à l'aide d'un crédit et d'un compte de téléphone à fil, sans fil et mobile en tant qu'alternative financière au transport d'argent ou de cartes de crédit, comprenant également : le traitement de toutes les opérations commerciales par l'intermédiaire de : Internet, un guichet automatique bancaire (GAB) et un point de vente (PDV), le traitement et la détermination des taux de change pour l'échange de crédit de téléphone avec de l'argent et vice versa, le transfert et l'achat de crédit de téléphone mobile avec de l'argent retiré dans un guichet automatique bancaire (GAB), le transfert d'un crédit de téléphone mobile entre les mêmes opérateurs ou des opérateurs différents dans des pays différents.
PCT/EG2011/000015 2010-07-08 2011-07-07 Procédé et système de paiement et de traitement de toutes les opérations financières à l'aide d'un crédit de téléphone sans fil, à fil et mobile, en tant qu'alternative au transport d'argent ou de cartes de crédit WO2012003842A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
EG2010071160 2010-07-08
EG2010071160 2010-07-08

Publications (1)

Publication Number Publication Date
WO2012003842A1 true WO2012003842A1 (fr) 2012-01-12

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PCT/EG2011/000015 WO2012003842A1 (fr) 2010-07-08 2011-07-07 Procédé et système de paiement et de traitement de toutes les opérations financières à l'aide d'un crédit de téléphone sans fil, à fil et mobile, en tant qu'alternative au transport d'argent ou de cartes de crédit

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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015036642A1 (fr) 2013-09-13 2015-03-19 Pomo Posibilidades S.A. Système et procédé de paiement au moyen d'un dispositif mobile basé sur l'utilisation d'un jeton d'authentification à usage unique
US10621572B2 (en) 2012-12-21 2020-04-14 Sqwin Sa Online transaction system
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US11321689B2 (en) 2019-10-14 2022-05-03 Mastercard International Incorporated System and method for securely transacting over a landline
EP4016426A1 (fr) 2020-12-15 2022-06-22 Lucian-Manuel Ciubotaru Procédé et système d'échange de sms, de mms et/ou de appels en argent ou en fonds sur un compte bancaire
US12386641B2 (en) 2023-04-28 2025-08-12 T-Mobile Usa, Inc. Virtual assistant for facilitating actions in omnichannel telecommunications environment

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US20020069170A1 (en) * 2000-07-20 2002-06-06 Rizzo Carol J. Method and system for performing a cash transaction with a self-service financial transaction terminal
GB2372615A (en) * 2000-12-27 2002-08-28 Robert Joseph Gerard Macnamee Telephone based payment system
WO2004019151A2 (fr) * 2002-08-20 2004-03-04 Teimuraz Tchkadua Procede et systeme pour transferer de l'argent par un reseau de telecommunication
WO2008033960A2 (fr) * 2006-09-12 2008-03-20 Akos Technology Corporation Systèmes et procédés pour transférer des fonds à partir d'un compte expéditeur
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages
US20100042543A1 (en) * 2004-07-05 2010-02-18 Bankinter, S.A. Method for the withdrawal of funds at cash dispensers without a card, by means of a payment order via sms

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020069170A1 (en) * 2000-07-20 2002-06-06 Rizzo Carol J. Method and system for performing a cash transaction with a self-service financial transaction terminal
GB2372615A (en) * 2000-12-27 2002-08-28 Robert Joseph Gerard Macnamee Telephone based payment system
WO2004019151A2 (fr) * 2002-08-20 2004-03-04 Teimuraz Tchkadua Procede et systeme pour transferer de l'argent par un reseau de telecommunication
US20100042543A1 (en) * 2004-07-05 2010-02-18 Bankinter, S.A. Method for the withdrawal of funds at cash dispensers without a card, by means of a payment order via sms
WO2008033960A2 (fr) * 2006-09-12 2008-03-20 Akos Technology Corporation Systèmes et procédés pour transférer des fonds à partir d'un compte expéditeur
DE102008011192A1 (de) * 2008-02-26 2009-08-27 Wincor Nixdorf International Gmbh Verfahren und Diensterechner sowie System zur Transaktion eines Geldbetrages

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10621572B2 (en) 2012-12-21 2020-04-14 Sqwin Sa Online transaction system
WO2015036642A1 (fr) 2013-09-13 2015-03-19 Pomo Posibilidades S.A. Système et procédé de paiement au moyen d'un dispositif mobile basé sur l'utilisation d'un jeton d'authentification à usage unique
US11037114B2 (en) 2018-03-22 2021-06-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US11727372B2 (en) 2018-03-22 2023-08-15 Diebold Nixdorf, Incorporated System and method for financial transactions
US11321689B2 (en) 2019-10-14 2022-05-03 Mastercard International Incorporated System and method for securely transacting over a landline
EP4016426A1 (fr) 2020-12-15 2022-06-22 Lucian-Manuel Ciubotaru Procédé et système d'échange de sms, de mms et/ou de appels en argent ou en fonds sur un compte bancaire
US12386641B2 (en) 2023-04-28 2025-08-12 T-Mobile Usa, Inc. Virtual assistant for facilitating actions in omnichannel telecommunications environment

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