BRPI0418951A - método para a retirada de dinheiro em caixas eletrÈnicos sem cartão, por meio de uma ordem de pagamento via sms - Google Patents

método para a retirada de dinheiro em caixas eletrÈnicos sem cartão, por meio de uma ordem de pagamento via sms

Info

Publication number
BRPI0418951A
BRPI0418951A BRPI0418951-5A BRPI0418951A BRPI0418951A BR PI0418951 A BRPI0418951 A BR PI0418951A BR PI0418951 A BRPI0418951 A BR PI0418951A BR PI0418951 A BRPI0418951 A BR PI0418951A
Authority
BR
Brazil
Prior art keywords
money
sms
atms
card
cash
Prior art date
Application number
BRPI0418951-5A
Other languages
English (en)
Inventor
Aurora Mateo Delgado
Pilar Fernandez Hermosilla
Juan Perez Gomez
Original Assignee
Bankinter Sa
Caja De Ahorros De Galicia
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 Bankinter Sa, Caja De Ahorros De Galicia filed Critical Bankinter Sa
Publication of BRPI0418951A publication Critical patent/BRPI0418951A/pt

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
    • G06Q20/38—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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving 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
    • 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]
    • 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
    • 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)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

MéTODO PARA A RETIRADA DE DINHEIRO EM CAIXAS ELETRÈNICOS SEM CARTãO, POR MEIO DE UMA ORDEM DE PAGAMENTO VIA SMS, o método é descrito para a retirada de dinheiro em caixas eletrónicos no qual o beneficiário do pagamento não precisa fazer uso de um cartão, conta ou qualquer outro instrumento para obter dinheiro, e sem a necessidade de se realizar qualquer transferência de findos. O método contempla que o dinheiro deve ser retirado por meio de uma ordem de pagamento via SMS, permitindo ao titular de uma conta bancária utilizar um telefone celular para solicitar o pagamento de uma determinada quantia de dinheiro a um terceiro que, graças à informação recebida no seu telefone celular, pode retirar esta quantia em qualquer caixa eletrónico habilitado para este propósito, tendo como um meio de segurança um código ou PIN exclusivo para cada operação conhecido somente pelo titular da conta e o beneficiário. O método de pagamento via SMS contemplado pela presente invenção é especialmente aplicável à rede de caixas eletrónicos e serviços existente atualmente.
BRPI0418951-5A 2004-07-05 2004-07-05 método para a retirada de dinheiro em caixas eletrÈnicos sem cartão, por meio de uma ordem de pagamento via sms BRPI0418951A (pt)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2004/000321 WO2006013218A1 (es) 2004-07-05 2004-07-05 Método para la disposición de efectivo en cajeros sin tarjeta, mediante una orden de pago vía sms

Publications (1)

Publication Number Publication Date
BRPI0418951A true BRPI0418951A (pt) 2007-12-11

Family

ID=35786890

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0418951-5A BRPI0418951A (pt) 2004-07-05 2004-07-05 método para a retirada de dinheiro em caixas eletrÈnicos sem cartão, por meio de uma ordem de pagamento via sms

Country Status (15)

Country Link
US (1) US8725640B2 (pt)
EP (1) EP1783676A1 (pt)
CN (1) CN1998016A (pt)
AR (1) AR050073A1 (pt)
AU (1) AU2004322079B2 (pt)
BR (1) BRPI0418951A (pt)
CA (1) CA2612618C (pt)
IL (1) IL180583A0 (pt)
IS (1) IS8601A (pt)
MD (1) MD3964C2 (pt)
MX (1) MX2007000038A (pt)
NO (1) NO20070652L (pt)
PE (1) PE20060413A1 (pt)
UY (1) UY29001A1 (pt)
WO (1) WO2006013218A1 (pt)

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Also Published As

Publication number Publication date
US20100042543A1 (en) 2010-02-18
UY29001A1 (es) 2005-08-31
IS8601A (is) 2007-02-02
NO20070652L (no) 2007-04-02
US8725640B2 (en) 2014-05-13
WO2006013218A8 (es) 2006-03-30
EP1783676A1 (en) 2007-05-09
PE20060413A1 (es) 2006-05-26
AU2004322079B2 (en) 2010-10-07
WO2006013218A1 (es) 2006-02-09
IL180583A0 (en) 2007-06-03
MX2007000038A (es) 2007-09-25
MD3964C2 (ro) 2010-04-30
CA2612618A1 (en) 2006-02-09
MD3964B2 (en) 2009-09-30
CA2612618C (en) 2013-08-13
AR050073A1 (es) 2006-09-27
CN1998016A (zh) 2007-07-11
AU2004322079A1 (en) 2006-02-09

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B25F Entry of change of name and/or headquarter and transfer of application, patent and certif. of addition of invention: change of name on requirement

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B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B25F Entry of change of name and/or headquarter and transfer of application, patent and certif. of addition of invention: change of name on requirement

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