WO2015112041A1 - Method of transferring funds via mobile device - Google Patents
Method of transferring funds via mobile device Download PDFInfo
- Publication number
- WO2015112041A1 WO2015112041A1 PCT/RU2014/000045 RU2014000045W WO2015112041A1 WO 2015112041 A1 WO2015112041 A1 WO 2015112041A1 RU 2014000045 W RU2014000045 W RU 2014000045W WO 2015112041 A1 WO2015112041 A1 WO 2015112041A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- account
- order
- mobile
- payment
- funds
- Prior art date
Links
Classifications
-
- 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
-
- 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]
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
Definitions
- the invention relates to the field of financial informatics, and more specifically to a method of transferring funds using a mobile device.
- the present invention may find application in the creation and
- the prototype of this system is a mobile banking system
- Payments and transfers Transfer by phone number of the recipient.
- Bank customers can transfer funds from the card to their near and dear ones, indicating only the recipient’s mobile phone number and amount. Funds will be transferred to one of the cards registered in the Mobile Bank to the recipient's phone. If the recipient of the transfer has several Bank cards, a card is selected that is optimal for crediting funds with a priority of salary cards in rubles. The transfer is carried out in rubles in accordance with the Bank's tariffs.
- SMS message of the following format: To: 900 Message: TRANSFER 9XX1234567 500
- Example 1 Where 9XX1234567 - the ten-digit recipient’s mobile phone number, which is registered with the Mobile Bank (for example, 9XX 1234567); 500 - the transfer amount in rubles (without kopecks). For example, 500.
- TRANSLATION the SMS message may indicate PEREVOD, TRANSLATE, PEREVESTI.
- the Bank will send you an SMS message containing a confirmation code and the details of your transaction: For the transfer of 500 rubles. from VISA1234 card to the card of the recipient ANNA IVANOVNA S. send the code # 14488 to the number 900
- the basis of the present invention is the creation of a method of transferring funds using a mobile device, which would allow to universally operate funds on a mobile account and payment accounts.
- the owner of a mobile device having a number in the communication network and a mobile account associated with the provision of communication services to the owner of the mobile device with the specified number, optionally having an account associated with the payment instrument, which is the sender of funds, generates an order for transferring funds to another owner mobile device - to the recipient, whose number is known to him, optionally belonging to the same communication network, optionally having an account associated with the payment means of the recipient, while the order contains at least the type of order, the amount of the transferred funds and the number of the recipient, after which the sender passes this order to the intermediary, who performs the following actions:
- a) determines the type of order - transfer from a mobile account to a mobile account (1), transfer from a mobile account to a payment instrument account (2), transfer from a payment instrument account to a mobile account (3) or transfer from a payment instrument account to a payment instrument account (four),
- the intermediary determines the status of the holder of the order, whether transfers are allowed to the owner of the mobile device if the amount of the transferred funds is exceeded relative to the available on a mobile account and / or on a payment instrument account,
- the intermediary provides a loan to the holder of the order, or puts the order in line until the necessary amount appears on the sender’s account to execute the order, after which, if a loan is granted, it is credited to the mobile account or means of payment the recipient in accordance with the type of order and the availability of means of payment, and if the order is queued, it credits to a mobile account or payment instrument account of Tell in accordance with the type of instruction and the availability of means of payment when you see the sender's account of the necessary sum of money.
- the intermediary shall notify the sender that the order has not been executed.
- the intermediary in case of technical impossibility to execute the order, the intermediary also notifies the sender that the order has not been executed.
- the proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows you to universally operate funds on your mobile account and payment accounts, as well as significantly increase the efficiency of payments, performing them even if the funds on the sender’s accounts are currently insufficient.
- the present invention will be disclosed in the following description of a system for transferring funds using a mobile device, shown in figure 1, containing the owner 1 of the mobile
- the system works as follows - the owner 1 of a mobile device 2 having a number in the communication network and a mobile account associated with
- a) determines the type of order - transfer from a mobile account to a mobile account (1), transfer from a mobile account to a payment instrument account (2), transfer from a payment instrument account to a mobile account (3) or transfer from a payment instrument account to a payment instrument account (4) - shown in figure 1 by arrows from blocks 2, 3 to blocks 5 and 6 through an intermediary 4.
- the intermediary 4 determines the status of the holder of the order, whether the transfers are allowed to the owner of the mobile device’s money, if the amount of the transferred money is exceeded funds relative to those available on the mobile account and / or on the payment instrument account,
- the intermediary 4 provides a loan to the owner 1 who generated the order, or puts the order in line until the necessary amount appears on the account of the sender 1 to execute the order, after which, if a loan is granted, it is credited to the mobile account or beneficiary’s means of payment 5 in accordance with the type of order and the availability of means of payment, and if the order is queued, it credits to the mobile account or means of payment recipients in accordance with the type of instruction and the availability of means of payment when you see the sender's account of the necessary sum of money.
- the intermediary shall notify the sender 1 with message 8 that the order has not been executed.
- the intermediary in case of technical impossibility to execute the order, the intermediary also notifies the sender 1 with message 8 that the order has not been executed.
- the proposed method and the system implementing it, described above, solve the objectives of the invention formulated above, is characterized by fundamental novelty and allows you to universally operate funds on a mobile account and payment accounts, as well as significantly increase the efficiency of payments, performing them even if the funds are on the accounts the sender is currently not enough.
Landscapes
- 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)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2014/000045 WO2015112041A1 (en) | 2014-01-22 | 2014-01-22 | Method of transferring funds via mobile device |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2014/000045 WO2015112041A1 (en) | 2014-01-22 | 2014-01-22 | Method of transferring funds via mobile device |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2015112041A1 true WO2015112041A1 (en) | 2015-07-30 |
Family
ID=53681727
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/RU2014/000045 WO2015112041A1 (en) | 2014-01-22 | 2014-01-22 | Method of transferring funds via mobile device |
Country Status (1)
Country | Link |
---|---|
WO (1) | WO2015112041A1 (en) |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2004077369A1 (en) * | 2003-02-26 | 2004-09-10 | Steven Anderson | Real time mobile telephony system and process for remote payment, credit granting transactions |
US20070270124A1 (en) * | 2006-05-19 | 2007-11-22 | Asiatone Llc, D/B/A Gorilla Mobile | Systems and methods for adding credit to a wireless telecommunications account |
WO2011019365A2 (en) * | 2009-08-14 | 2011-02-17 | Payfone, Inc. | System and method for paying a merchant using a cellular telephone account |
US20130218769A1 (en) * | 2011-08-23 | 2013-08-22 | Stacy Pourfallah | Mobile Funding Method and System |
-
2014
- 2014-01-22 WO PCT/RU2014/000045 patent/WO2015112041A1/en active Application Filing
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2004077369A1 (en) * | 2003-02-26 | 2004-09-10 | Steven Anderson | Real time mobile telephony system and process for remote payment, credit granting transactions |
US20070270124A1 (en) * | 2006-05-19 | 2007-11-22 | Asiatone Llc, D/B/A Gorilla Mobile | Systems and methods for adding credit to a wireless telecommunications account |
WO2011019365A2 (en) * | 2009-08-14 | 2011-02-17 | Payfone, Inc. | System and method for paying a merchant using a cellular telephone account |
US20130218769A1 (en) * | 2011-08-23 | 2013-08-22 | Stacy Pourfallah | Mobile Funding Method and System |
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