WO2008102329A3 - A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device - Google Patents
A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device Download PDFInfo
- Publication number
- WO2008102329A3 WO2008102329A3 PCT/IE2008/000015 IE2008000015W WO2008102329A3 WO 2008102329 A3 WO2008102329 A3 WO 2008102329A3 IE 2008000015 W IE2008000015 W IE 2008000015W WO 2008102329 A3 WO2008102329 A3 WO 2008102329A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- sms
- receiving device
- sms message
- originating
- message
- 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
- 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
- G06Q20/30—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
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
Abstract
A system (1) for facilitating the transfer of funds from an SMS originating device (3) (9) to an SMS receiving device (5) supported by telecommunications networks (10), comprises a detecting circuit (12) in each network (9,10) for detecting an SMS message commencing with a predefined identifying element, namely, a '#' symbol which indicates that the SMS message is to be subjected to processing prior to being delivered to the SMS receiving device (5). It identifies the SMS originating device (3) and the SMS receiving device (5) by both their telephone number. And (14) obtains particulars of the bank accounts associated with the SMS originating (3) and with receiving devices (5) and transfers by electronic banking the amount of funds which is identified in the SMS message as being the amount to be transferred to the bank account of the receiving device (5). By the processing circuit (14) which then transmits an SMS message to both the SMS originating and the SMS receiving device (5) confirming successful transfer of the funds. Topping up the telephone account of an SMS receiving device (5) from an SMS originating device (3), carrying out translation of an SMS message spell checking or determining the location of the SMS originating device (3), are possible.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
IE20070110 | 2007-02-20 | ||
IES2007/0110 | 2007-02-20 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2008102329A2 WO2008102329A2 (en) | 2008-08-28 |
WO2008102329A3 true WO2008102329A3 (en) | 2008-11-20 |
Family
ID=39467220
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/IE2008/000015 WO2008102329A2 (en) | 2007-02-20 | 2008-02-20 | A method and a system for processing an sms message or for carrying out a process in response to an sms message from an sms enabled device |
Country Status (2)
Country | Link |
---|---|
IE (1) | IES20080129A2 (en) |
WO (1) | WO2008102329A2 (en) |
Families Citing this family (24)
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---|---|---|---|---|
US8306912B2 (en) | 2007-12-19 | 2012-11-06 | Metabank | Private label promotion card system, program product, and associated computer-implemented methods |
US8108279B2 (en) | 2007-12-21 | 2012-01-31 | Metabank | Computer-implemented methods, program product, and system to enhance banking terms over time |
US8108272B2 (en) | 2007-12-21 | 2012-01-31 | Metabank | Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account |
US8065187B2 (en) | 2007-12-21 | 2011-11-22 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
US8055557B2 (en) | 2007-12-21 | 2011-11-08 | Metabank | Transfer account systems, computer program products, and associated computer-implemented methods |
US10515405B2 (en) | 2008-03-03 | 2019-12-24 | Metabank | Person-to-person lending program product, system, and associated computer-implemented methods |
WO2009124270A1 (en) | 2008-04-04 | 2009-10-08 | Metabank | System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card |
WO2009124264A1 (en) | 2008-04-04 | 2009-10-08 | Metabank | System, program product, and method for debit card and checking account autodraw |
US11227331B2 (en) | 2008-05-14 | 2022-01-18 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
US8538879B2 (en) | 2008-05-14 | 2013-09-17 | Metabank | System, program product, and computer-implemented method for loading a loan on an existing pre-paid card |
WO2009140512A1 (en) | 2008-05-14 | 2009-11-19 | Metabank | Loading a loan on a pre-paid card |
US8403211B2 (en) | 2008-09-04 | 2013-03-26 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
US8024242B2 (en) | 2008-09-04 | 2011-09-20 | Metabank | System, method, and program product for foreign currency travel account |
WO2010028266A1 (en) | 2008-09-04 | 2010-03-11 | Metabank | System, program product and methods for retail activation and reload associated with partial authorization transactions |
US7594821B1 (en) | 2008-09-17 | 2009-09-29 | Yazaki North America, Inc. | Sealing gap formed by assembled connector parts |
US8371502B1 (en) | 2008-10-28 | 2013-02-12 | Metabank | Shopping center gift card offer fulfillment machine, program product, and associated methods |
US8108977B1 (en) | 2008-10-31 | 2012-02-07 | Metabank | Machine, methods, and program product for electronic order entry |
US9213965B1 (en) | 2008-11-26 | 2015-12-15 | Metabank | Machine, methods, and program product for electronic inventory tracking |
US8175962B2 (en) | 2008-12-18 | 2012-05-08 | Metabank | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products |
US8090649B2 (en) | 2008-12-18 | 2012-01-03 | Metabank | Computerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products |
US8286863B1 (en) | 2009-02-04 | 2012-10-16 | Metabank | System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods |
US20110060684A1 (en) * | 2009-03-25 | 2011-03-10 | Jucht Scott J | Machine, program product, and computer-implemented methods for confirming a mobile banking request |
US20110082737A1 (en) | 2009-09-28 | 2011-04-07 | Crowe Andrew B | Computer-implemented methods, computer program products, and systems for management and control of a loyalty rewards network |
US20150026059A1 (en) * | 2013-07-19 | 2015-01-22 | Sable and Wolf Limited | Money Lending Via A Mobile Device |
Citations (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1998042173A2 (en) * | 1997-03-24 | 1998-10-01 | Fd Finanssidata Oy | Use of banking services in a digital cellular radio system |
WO2000058921A1 (en) * | 1999-03-30 | 2000-10-05 | Mark Russell Attieh | A method of conducting financial transactions |
EP1215637A2 (en) * | 2000-11-29 | 2002-06-19 | Mobilkom Austria Aktiengesellschaft & Co KG | Apparatus for transmitting financial values between participants in a telecommunication network |
WO2003107283A1 (en) * | 2002-06-18 | 2003-12-24 | Telefonaktiebolaget L M Ericsson (Publ) | Parallel coordinated operations in private domains |
US20040102956A1 (en) * | 2002-11-22 | 2004-05-27 | Levin Robert E. | Language translation system and method |
US20040266462A1 (en) * | 2003-06-30 | 2004-12-30 | Venkatesh Chava | System and method for in-transit SMS language translation |
GB2406996A (en) * | 2003-05-06 | 2005-04-13 | Massone Mobile Advertising Sys | Insertion of additional information into SMS/MMS messages |
WO2005124621A1 (en) * | 2004-06-22 | 2005-12-29 | Paysetter Pte Ltd | System and method for transferring credit between subscribers of differing telecommunications carriers |
US20060116138A1 (en) * | 2004-11-29 | 2006-06-01 | Argela Technologies | Value added services creation (vasc) platform |
-
2008
- 2008-02-20 WO PCT/IE2008/000015 patent/WO2008102329A2/en active Application Filing
- 2008-02-20 IE IE20080129A patent/IES20080129A2/en not_active IP Right Cessation
Patent Citations (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO1998042173A2 (en) * | 1997-03-24 | 1998-10-01 | Fd Finanssidata Oy | Use of banking services in a digital cellular radio system |
WO2000058921A1 (en) * | 1999-03-30 | 2000-10-05 | Mark Russell Attieh | A method of conducting financial transactions |
EP1215637A2 (en) * | 2000-11-29 | 2002-06-19 | Mobilkom Austria Aktiengesellschaft & Co KG | Apparatus for transmitting financial values between participants in a telecommunication network |
WO2003107283A1 (en) * | 2002-06-18 | 2003-12-24 | Telefonaktiebolaget L M Ericsson (Publ) | Parallel coordinated operations in private domains |
US20040102956A1 (en) * | 2002-11-22 | 2004-05-27 | Levin Robert E. | Language translation system and method |
GB2406996A (en) * | 2003-05-06 | 2005-04-13 | Massone Mobile Advertising Sys | Insertion of additional information into SMS/MMS messages |
US20040266462A1 (en) * | 2003-06-30 | 2004-12-30 | Venkatesh Chava | System and method for in-transit SMS language translation |
WO2005124621A1 (en) * | 2004-06-22 | 2005-12-29 | Paysetter Pte Ltd | System and method for transferring credit between subscribers of differing telecommunications carriers |
US20060116138A1 (en) * | 2004-11-29 | 2006-06-01 | Argela Technologies | Value added services creation (vasc) platform |
Also Published As
Publication number | Publication date |
---|---|
WO2008102329A2 (en) | 2008-08-28 |
IES20080129A2 (en) | 2009-08-05 |
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