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PT115852A - METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN - Google Patents

METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN

Info

Publication number
PT115852A
PT115852A PT115852A PT11585219A PT115852A PT 115852 A PT115852 A PT 115852A PT 115852 A PT115852 A PT 115852A PT 11585219 A PT11585219 A PT 11585219A PT 115852 A PT115852 A PT 115852A
Authority
PT
Portugal
Prior art keywords
iban
mobile
sender
apps
money
Prior art date
Application number
PT115852A
Other languages
Portuguese (pt)
Inventor
António Gomes Ferreira Neto José
Original Assignee
Jose Antonio Gomes Ferreira Neto
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 Jose Antonio Gomes Ferreira Neto filed Critical Jose Antonio Gomes Ferreira Neto
Priority to PT115852A priority Critical patent/PT115852A/en
Publication of PT115852A publication Critical patent/PT115852A/en

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

Landscapes

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

Abstract

AS APPS (APLICAÇÕES) DE TELEMÓVEIS PARA TRANSFERÊNCIA DE DINHEIRO E PAGAMENTOS ESTÃO A EXPANDIR-SE, PELA SUA UTILIZAÇÃO PRÁTICA E ÚTIL, MAS O REMETENTE E O DESTINATÁRIO DEVEM UTILIZAR APPS DO MESMO FORNECEDOR. O MÉTODO PROPOSTO PARA ULTRAPASSAR ESSE INCONVENIENTE BASEIA-SE NO IBAN (NÚMERO DE CONTA BANCÁRIA INTERNACIONAL). EM RESUMO, O UTILIZADOR DO REMETENTE A, COM O IBAN A, UTILIZA UMA APP COM APIS (INTERFACES PROGRAMÁTICAS) TRADICIONAIS INTERBANCÁRIAS, PARA TRANSFERIR DINHEIRO PARA O UTILIZADOR BENEFICIÁRIO B, COM O IBAN B. QUANDO O IBAN B NÃO FOR CONHECIDO PELO REMETENTE, A APP IRÁ OBTÊ-LO AUTOMATICAMENTE UTILIZANDO SMS. PRINCIPAIS CASOS DE UTILIZAÇÃO DE APPS, USANDO INTERFACE IBAN: 1-TRANSFERÊNCIA DE DINHEIRO PESSOA-A-PESSOA, BASEADO NA CONTA BANCÁRIA MÓVEL; 2-PAGAMENTO NO LOCAL E ONLINE, BASEADO NO CONCEITO MOBILE WALLET (CARTEIRA MÓVEL); 3-LEVANTAMENTO DE DINHEIRO (MULTIBANCO, ETC), BASEADO NO CONCEITO MOBILE WALLET.MOBILE PHONE APPS (APPLICATIONS) FOR MONEY TRANSFER AND PAYMENTS ARE EXPANDING, FOR THEIR PRACTICAL AND USEFUL USE, BUT THE SENDER AND RECIPIENT SHOULD USE APPS FROM THE SAME SUPPLIER. THE PROPOSED METHOD TO OVERCOME THIS INCONVENIENT IS BASED ON IBAN (INTERNATIONAL BANK ACCOUNT NUMBER). IN SUMMARY, THE USER OF SENDER A, WITH IBAN A, USES AN APP WITH TRADITIONAL INTERBANCARY APIS (PROGRAMMATIC INTERFACES), TO TRANSFER MONEY TO BENEFICIARY B USER, WITH IBAN B. WHEN IBAN B IS NOT KNOWN BY THE SENDER, THE APP WILL OBTAIN IT AUTOMATICALLY USING SMS. MAIN CASES OF APPS USING, USING IBAN INTERFACE: 1-TRANSFER OF MONEY PERSON-TO-PERSON, BASED ON MOBILE BANK ACCOUNT; 2-PAYMENT ON THE SITE AND ONLINE, BASED ON THE MOBILE WALLET CONCEPT (MOBILE PORTFOLIO); 3-CASH WITHDRAWAL (MULTIBANCO, ETC), BASED ON THE MOBILE WALLET CONCEPT.

PT115852A 2019-10-20 2019-10-20 METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN PT115852A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PT115852A PT115852A (en) 2019-10-20 2019-10-20 METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PT115852A PT115852A (en) 2019-10-20 2019-10-20 METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN

Publications (1)

Publication Number Publication Date
PT115852A true PT115852A (en) 2021-04-20

Family

ID=75644008

Family Applications (1)

Application Number Title Priority Date Filing Date
PT115852A PT115852A (en) 2019-10-20 2019-10-20 METHOD FOR THE INTEROPERABILITY OF MOBILE MONEY APPLICATIONS USING IBAN

Country Status (1)

Country Link
PT (1) PT115852A (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007020394A1 (en) * 2005-08-12 2007-02-22 Vodafone Group Plc Mobile account management
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
WO2008005018A2 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and systems for financial transactions in a mobile environment
US20120310824A1 (en) * 2011-06-03 2012-12-06 Liberty Michael A Monetary transaction system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007020394A1 (en) * 2005-08-12 2007-02-22 Vodafone Group Plc Mobile account management
US20070255653A1 (en) * 2006-03-30 2007-11-01 Obopay Inc. Mobile Person-to-Person Payment System
WO2008005018A2 (en) * 2006-07-06 2008-01-10 Firethorn Holdings, Llc Methods and systems for financial transactions in a mobile environment
US20120310824A1 (en) * 2011-06-03 2012-12-06 Liberty Michael A Monetary transaction system

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Effective date: 20201124