Automatic registration of an IBAN from a transfer

Abstract

A device enabling the automatic registration of an IBAN and the addition of a beneficiary on mobile banking applications or online banking platforms upon receipt of a transfer from a third party. The invention relates to a device that facilitates transfers between users of online banking platforms and mobile banking applications, regardless of the banking institution, by creating a module that offers the recipient the option of adding the sender's IBAN directly upon receipt of the transfer and also adding it to the list of beneficiaries if it is not already included. The device according to the invention is particularly intended for all users of online banking platforms or mobile banking applications.

Description

Title of the invention: Filing of a provisional patent application

[0001] Title of the invention: Automatic recording of an IBAN from a transfer

[0002] The present invention relates to a device allowing a user to automatically record an IBAN when receiving a transfer from a third party.

[0003] An IBAN must be requested from each sender in order

[0004] 5. to make a transfer or add it as a new beneficiary however When receiving a transfer, the recipient does not have the option to save and retain the sender's IBAN or add the sender as a new beneficiary.

[0005] 10. The device according to the invention makes it possible to overcome this drawback. By way of example via the existing internet platform or mobile banking application, a notification will be sent to the recipient of the transfer, asking them whether they wish to keep the sender's IBAN and include it in their list of beneficiaries.

[0006] 15. In advance in its settings, the sender can choose that its IBAN is offer to the user, this makes it possible to facilitate exchanges for future transfers between users. To enable this to be achieved, a solution for developing internet pages and mobile applications must be implemented.

[0007] 20. place in order to integrate this complement into the spaces for exchanges and processing of transfers on the banking platforms already created.

Claims

Claims

1. Device for automatically recording an IBAN AN upon receipt of a transfer by a third party not present in the user's list of beneficiaries, characterized in that it is an additional module on existing internet platforms and mobile banking applications, allowing the sender's IBAN to be recorded by choice upon receipt of the transfer but also to be added as a new beneficiary. Possibility for the sender to use this option or not at the level of his user parameters.