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1. 发明专利

AU2020101952A4 SMT- Voice Based Mobile Banking: SECURE MONEY TRANSFER USING VOICE BASED MOBILE BANKING 未知
公开(公告)号：AU2020101952A4
公开(公告)日：2020-10-01
申请号：AU2020101952
申请日：2020-08-24
申请人： CHAKRAVERTI ASHISH KUMAR , CHOUDHARY SHWETA , GARG RUCHI RANI , GOEL VIKAS , GUPTA AMIT KUMAR , KARTHIKEYAN J , PANDIKUMAR M , SANGWAN SUMIT , SELVARAJ P , SINGH YASHPAL
发明人： KARTHIKEYAN J , GARG RUCHI RANI , GUPTA AMIT KUMAR , GOEL VIKAS , PANDIKUMAR M , SELVARAJ P , CHAKRAVERTI ASHISH KUMAR , CHOUDHARY SHWETA , SANGWAN SUMIT , SINGH YASHPAL
IPC分类号： G06Q20/32 , G06F21/32 , G06K7/10 , G06V30/224 , G10L17/22
摘要： Patent Title: SMT- Voice Based Mobile Banking: SECURE MONEY TRANSFER USING VOICE BASED MOBILE BANKING. My Invention "SMT- Voice Based Mobile Banking: is a mobile payment platform and service provides a fast, easy way to make secure payments by users of 3-G,4-G,5-G mobile devices. The platform also interfaces with nonmobile channels and devices such as apps, twitter, e-mail, instant messenger, and Web. The invented technology the funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. The financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) or person-to person-to person (P2P2P) basis where each party is identified by a unique indicator such as a telephone number, voice input, bar code. The invented technology the transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or widget. The invention also the resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner. The invented technology is a financial transactions system including a consumer interface, connected to a network, including: a Web interface to handle transaction requests from a Web browser client. The mobile Internet browser interface to handle transaction requests from a mobile Internet browser on a mobile phone client. The SMS notification interface to handle transaction requests using SMS text messaging and a mobile client application interface to handle requests from a mobile client application executing on mobile phone client. Dr. J. Karthikeyan (Principal) Dr. Ruchi Rani Garg (Associate Professor) Dr. Amit Kumar Gupta (Associate Professor) Dr.Vikas Goel (Associate Professor) Dr. M Pandikumar (Associate Professor) Dr. Selvaraj. P (Principal) Dr. Ashish Kumar Chakraverti (Associate Professor) Dr. Shweta Choudhary (Assistant Professor) Dr. Sumit Sangwan (Associate Professor) Dr. Yashpal Singh (Professor) TOTAL NO OF SHEET: 07 NO OF FIG: 08 Cross Bank P2P Bank Padner"A" Comuner'A' Bank Partner"B Consumer1 $®Linked Like~d FIN rd Credit iUnked Uinked Debit Debit Obopay Obopay Obopay Obopay Working Member Worilkng Member capital Pooled Capital Pwced 1 Amcount Account Acount Account 1. ConsuaerAsends bopay pali on Wy'reques5t 2. Obopay trnsfersfunds fIrom poled amoountto working aocunt. abopay Statement Treoords for Consumer 3. Obopay transfers funds from worng W 1bSyste l A's0Obosay account account to pooled account. 4. Obopay updates T records in Obopay SOR. 5. Obopay notifes Consumer'Vof Pra-ud payment Del.ion Acount 6. Obopsy peodically seitles In in Statement T records for Consuner between Partner Banks. Obopay Platform Ob p aCCount FIGURE 7: IS A SHOWS A CROSS BANK PERSON-TO-PERSON PAYMENT.

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