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PE20060413A1 - Metodo para la disposicion de efectivo en cajeros sin tarjeta, mediante una orden de pago via sms - Google Patents

Metodo para la disposicion de efectivo en cajeros sin tarjeta, mediante una orden de pago via sms

Info

Publication number
PE20060413A1
PE20060413A1 PE2005000766A PE2005000766A PE20060413A1 PE 20060413 A1 PE20060413 A1 PE 20060413A1 PE 2005000766 A PE2005000766 A PE 2005000766A PE 2005000766 A PE2005000766 A PE 2005000766A PE 20060413 A1 PE20060413 A1 PE 20060413A1
Authority
PE
Peru
Prior art keywords
entity
module
payment
beneficiary
cash
Prior art date
Application number
PE2005000766A
Other languages
English (en)
Inventor
Hermosilla Pilar Fernandez
Delgado Aurora Mateo
Gomez Juan Perez
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 PE20060413A1 publication Critical patent/PE20060413A1/es

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
    • 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; 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; 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
    • G06Q20/08—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; 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
    • 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]
    • 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
    • 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
    • G06Q20/325—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)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (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

DONDE: a)UNA ENTIDAD EMISORA RECIBE, MEDIANTE UN SMS, UNA PETICION DE ALTA/BAJA DE UNA ORDEN DE PAGO PROCEDENTE DE UN ORDENANTE O CLIENTE; b)LA ENTIDAD GESTIONA VIA ON-LINE EL ALTA/BAJA DE LA ORDEN CON UNA CENTRAL O MODULO ATMPAY NACIONAL, DONDE SON PROCESADAS TODAS LAS ORDENES; c)A TRAVES DE UNA ESTRUCTURA DE COMUNICACIONES SE ENVIA UN MENSAJE SMS CONFIRMANDO EL ALTA DEL SERVICIO, CONJUNTAMENTE CON LA PERTINENTE AUTORIZACION DE PAGO QUE TENDRA QUE SER VALIDADA POR EL SOLICITANTE, TODO ESTO GESTIONADO DESDE EL MODULO; d)EL MODULO ENVIA, POR MEDIO DE LA ESTRUCTURA, UN MENSAJE SMS AL BENEFICIARIO DE LA OPERACION, CONTENIENDO TANTO LOS DATOS IDENTIFICATIVOS DEL ORDENANTE COMO EL IMPORTE DE LA TRANSACCION Y UN CODIGO O PIN; e)EL BENEFICIARIO HACE LA PETICION DEL EFECTIVO EN UN CAJERO HABILITADO PARA TAL EFECTO, SIN NECESIDAD DE UTILIZAR NINGUN INSTRUMENTO DE PAGO, SINO UNICAMENTE EL CODIGO O PIN QUE HAYA SIDO PROPORCIONADO AL BENEFICIARIO; f)DEL CAJERO A LA ENTIDAD ADQUIRIENTE Y DE LA ENTIDAD AL MODULO, SE PRODUCEN PETICIONES DE AUTORIZACION/CORRECTORA; g)EL MODULO Y LA ENTIDAD AUTORIZAN/DENIEGAN LA OPERACION; h)EL CAJERO CONFIRMA/DENIEGA LA ENTREGA DEL EFECTIVO AL BENEFICIARIO; i)COMUNICACION OFF-LINE DEL MODULO A LA ENTIDAD EMISORA QUE YA SE EFECTUO LA ORDEN DE PAGO; j)LA ENTIDAD ADQUIRIENTE REALIZA UNA PRESENTACION DE DATOS CONCERNIENTES AL PAGO; Y, k)A TRAVES DE UNA ENTIDAD LIQUIDADORA SE ACCEDE AL SISTEMA NACIONAL DE COMPENSACION ELECTRONICA PARA LA GESTION REALIZADA
PE2005000766A 2004-07-05 2005-07-01 Metodo para la disposicion de efectivo en cajeros sin tarjeta, mediante una orden de pago via sms PE20060413A1 (es)

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
PE20060413A1 true PE20060413A1 (es) 2006-05-26

Family

ID=35786890

Family Applications (1)

Application Number Title Priority Date Filing Date
PE2005000766A PE20060413A1 (es) 2004-07-05 2005-07-01 Metodo para la disposicion de efectivo en cajeros sin tarjeta, mediante una orden de pago via sms

Country Status (15)

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

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Also Published As

Publication number Publication date
AU2004322079B2 (en) 2010-10-07
BRPI0418951A (pt) 2007-12-11
MX2007000038A (es) 2007-09-25
WO2006013218A8 (es) 2006-03-30
MD3964C2 (ro) 2010-04-30
CN1998016A (zh) 2007-07-11
US8725640B2 (en) 2014-05-13
CA2612618C (en) 2013-08-13
AR050073A1 (es) 2006-09-27
MD3964B2 (en) 2009-09-30
NO20070652L (no) 2007-04-02
US20100042543A1 (en) 2010-02-18
WO2006013218A1 (es) 2006-02-09
IS8601A (is) 2007-02-02
AU2004322079A1 (en) 2006-02-09
IL180583A0 (en) 2007-06-03
UY29001A1 (es) 2005-08-31
CA2612618A1 (en) 2006-02-09
EP1783676A1 (en) 2007-05-09

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