BRPI0703112A2 - sistema e método para transferência de créditos com uso de dispositivo móvel - Google Patents

sistema e método para transferência de créditos com uso de dispositivo móvel

Info

Publication number
BRPI0703112A2
BRPI0703112A2 BRPI0703112-2A BRPI0703112A BRPI0703112A2 BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2 BR PI0703112 A BRPI0703112 A BR PI0703112A BR PI0703112 A2 BRPI0703112 A2 BR PI0703112A2
Authority
BR
Brazil
Prior art keywords
credit
mobile device
otp
well
payee
Prior art date
Application number
BRPI0703112-2A
Other languages
English (en)
Inventor
Mara Regina Morelli
De Moraes Fabrizio Vargas
Original Assignee
Itautec Sa Grupo Itautec
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 Grupo Itautec filed Critical Itautec Sa Grupo Itautec
Priority to BRPI0703112-2A priority Critical patent/BRPI0703112A2/pt
Priority to PCT/BR2008/000209 priority patent/WO2009009852A2/en
Publication of BRPI0703112A2 publication Critical patent/BRPI0703112A2/pt

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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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

SISTEMA E METODO PARA TRANSFERENCIA DE CRéDITOS COM USO DE DISPOSITIVO MóVEL. Sistema e método de transferência de créditos com uso de dispositivo móvel, utilizando os recursos oferecidos pelas redes de comunicação sem fio e as facilidades de processamento presentes em dispositivos móveis tais como celulares, paim tops, computadores de mão e assemelhados. O sistema compreende uma unidade autorizadora de crédito (18), um provedor (16) dotado de memória capaz de armazenar pelo menos um aplicativo específico capaz de gerar senhas de uso único (OTP) bem como meios de transferir dito aplicativo para a memória de um dispositivo móvel (15) portado por um favorecido, bem como uma unidade validadora (17) de senhas de uso único (OTP). O dito dispositivo móvel possui meios de processamento de programas e de dados, bem como capacidade de estabelecer enlaces de comunicações sem fio. O método compreende o carregamento no dito dispositivo móvel (15) de um software capaz de gerar senhas de uso único (OTP) a partir de dados exclusivos do favorecido podendo estes dados incluir, ainda, o valor do crédito utilizado e outras informações. O crédito pode ser utilizado num local de disponibilização de crédito provido de ATM, terminal de ponto de venda, guichê de instituição financeira ou equivalente.
BRPI0703112-2A 2007-07-19 2007-07-19 sistema e método para transferência de créditos com uso de dispositivo móvel BRPI0703112A2 (pt)

Priority Applications (2)

Application Number Priority Date Filing Date Title
BRPI0703112-2A BRPI0703112A2 (pt) 2007-07-19 2007-07-19 sistema e método para transferência de créditos com uso de dispositivo móvel
PCT/BR2008/000209 WO2009009852A2 (en) 2007-07-19 2008-07-21 A system and a method for transferring credits using a mobile device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
BRPI0703112-2A BRPI0703112A2 (pt) 2007-07-19 2007-07-19 sistema e método para transferência de créditos com uso de dispositivo móvel

Publications (1)

Publication Number Publication Date
BRPI0703112A2 true BRPI0703112A2 (pt) 2009-07-21

Family

ID=40260115

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0703112-2A BRPI0703112A2 (pt) 2007-07-19 2007-07-19 sistema e método para transferência de créditos com uso de dispositivo móvel

Country Status (2)

Country Link
BR (1) BRPI0703112A2 (pt)
WO (1) WO2009009852A2 (pt)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
NO332479B1 (no) 2009-03-02 2012-09-24 Encap As Fremgangsmåte og dataprogram for verifikasjon av engangspassord mellom tjener og mobil anordning med bruk av flere kanaler
US9536240B2 (en) 2014-07-21 2017-01-03 Paypal, Inc. Secure cardless cash withdrawal

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI19992343A (fi) * 1999-10-29 2001-04-30 Nokia Mobile Phones Ltd Menetelmä ja järjestely käyttäjän luotettavaksi tunnistamiseksi tietokonejärjestelmässä
JP3678417B2 (ja) * 2002-04-26 2005-08-03 正幸 糸井 個人認証方法及びシステム
US20040139014A1 (en) * 2003-01-09 2004-07-15 Yuh-Shen Song Anti-fraud remote cash transaction system
ES2263344B1 (es) * 2004-07-30 2007-11-16 Jose Ignacio Bas Bayod Metodo para realizar transacciones de pago o cobro seguras, utilizando telefonos moviles programables.
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
WO2009009852A2 (en) 2009-01-22
WO2009009852A3 (en) 2009-11-12

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Legal Events

Date Code Title Description
B06G Technical and formal requirements: other requirements [chapter 6.7 patent gazette]

Free format text: SOLICITA-SE A REGULARIZACAO DA PROCURACAO, UMA VEZ QUE BASEADO NO ARTIGO 216 1O DA LPI, O DOCUMENTO DE PROCURACAO DEVE SER APRESENTADO EM SUA FORMA AUTENTICADA; OU SEGUNDO O PARECER DA PROCURADORIA NO 074/93, DEVE CONSTAR UMA DECLARACAO DE VERACIDADE, A QUAL DEVE SER ASSINADA POR UMA PESSOA DEVIDAMENTE AUTORIZADA A REPRESENTAR O INTERESSADO, DEVENDO A MESMA CONSTAR NO INSTRUMENTO DE PROCURACAO, OU NO SEU SUBSTABELECIMENTO.

B03A Publication of a patent application or of a certificate of addition of invention [chapter 3.1 patent gazette]
B25G Requested change of headquarter approved

Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP)

B25G Requested change of headquarter approved

Owner name: ITAUTEC S.A.-GRUPO ITAUTEC (BR/SP)

B25A Requested transfer of rights approved

Owner name: BR INDUSTRIA E COMERCIO DE PRODUTOS E TECNOLOGIA E

B25D Requested change of name of applicant approved

Owner name: OKI BRASIL INDUSTRIA E COMERCIO DE PRODUTOS E TECN

B07A Application suspended after technical examination (opinion) [chapter 7.1 patent gazette]
B15K Others concerning applications: alteration of classification

Ipc: G06F 21/31 (2013.01), G06Q 20/06 (2012.01), G06Q 2

B09B Patent application refused [chapter 9.2 patent gazette]
B09B Patent application refused [chapter 9.2 patent gazette]

Free format text: MANTIDO O INDEFERIMENTO UMA VEZ QUE NAO FOI APRESENTADO RECURSO DENTRO DO PRAZO LEGAL