CN106664345A - Deposit system and method - Google Patents
Deposit system and method Download PDFInfo
- Publication number
- CN106664345A CN106664345A CN201580037763.6A CN201580037763A CN106664345A CN 106664345 A CN106664345 A CN 106664345A CN 201580037763 A CN201580037763 A CN 201580037763A CN 106664345 A CN106664345 A CN 106664345A
- Authority
- CN
- China
- Prior art keywords
- service
- user
- request
- commodity
- methods according
- Prior art date
- Legal status (The legal status 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 status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 28
- 230000005611 electricity Effects 0.000 claims abstract 2
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 claims abstract 2
- 238000000605 extraction Methods 0.000 claims description 11
- VNWKTOKETHGBQD-UHFFFAOYSA-N methane Chemical compound C VNWKTOKETHGBQD-UHFFFAOYSA-N 0.000 claims description 8
- 239000003345 natural gas Substances 0.000 claims description 4
- 239000000047 product Substances 0.000 description 7
- 238000004891 communication Methods 0.000 description 6
- 239000008239 natural water Substances 0.000 description 3
- 230000004913 activation Effects 0.000 description 1
- 239000006227 byproduct Substances 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- 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
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/06—Electricity, gas or water supply
-
- G06Q50/60—
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
- H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
- H04M17/208—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless using WAP or Internet, i.e. including electronic payment, e.g. e-cash
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
Abstract
The invention relates to a deposit system and method and more particularly, but not exclusively, to a deposit system and method for banking and retrieving mobile phone airtime or data bundles or utilities such as gas, water and/or electricity. The deposit system has a deposit institution having transceiver means for receiving a request for the deposit of a product or service from a user having an identifier and a storage means for storing the good or services or information relating to the goods or services, corresponding to the identifier.
Description
Technical field
It is more specific but not exclusively relate to a kind of for storing and retrieving shifting the present invention relates to a kind of savings system and method
The savings system and method for mobile phone air time or packet or public utilities for example natural gas and water and/or electric power.
Background technology
Public utilities are provided by official or in some cases by private or entity.Traditionally, public utilities are to be based on
Contract or rear payment are providing.In recent years, public utilities are also provided based on advance payment mode, so that supplier and user
It is more easily financial to manage its around utility supply.User may more be happy to a period of time (typically monthly) in advance
The enough public utilities of purchase, to guarantee that user will not exhaust these public utilities during the time period.If the user while should
There are enough or excessive public utilities during time period, or be left enough public things at the end of the time period
Industry, then user must continue to use these public utilities.Have no idea by these public utilities be transferred to another person or with
Certain mode is saved or preserved.
Air time sale is important industry, particularly in developing country.Most of air time sale are related to
Low-denomination.The people of single purchase a small amount of time may in case of emergency need the air time, but may there is no longer enough
Fund is buying the extra air time.Can be very convenient if these people save some air times for urgent use.
Some people may be reluctant to be gone in the case of being loaded with the air time on their mobile phone foreign travel and
Using roaming service.They may more be happy to the air time is stored in where safety, to use when they return.
Additionally, in some cases, particularly at remote location, when perhaps for example can not possibly converse from shop purchase
Between, or even the air time may not be bought by using their mobile phone.Therefore, peace will be stored in the air time
Then can access the home when needed at all positon then can be very convenient.
Many pre-paid cell phone users are more happy to when phone is loaded with the air time not carry out in their phone
Repair.However, the air time is once loaded on phone by using cannot be removed, prevent or otherwise deposit
Storage, only when the phone is recovered.
Some users may more be happy to purchase enough air times in advance, such as at the beginning of the month when they receive what is be paid for
Wage and when having enough funds etc..However, the time supply for obtaining month may be inconvenient or inadvisable.If these
Some in time already stored at home till needing these times, then can be very convenient.By this way,
Even if the fund of user has exhausted, the air time being paid for also will be readily obtained.
In general, when a people have purchased the products such as air time or public utilities or service when, unless by its
Third party is sold to, otherwise this people can be with these products or service binding.This people can by product or service mortgage, then you
Money or some values can be received as return.If people can by commodity or service savings up to the desired time period and
These commodity or service are withdrawn when needing, then can be very convenient.
Goal of the invention
It is an object of the invention to provide it is a kind of at least in part mitigate above-mentioned difficulties in some difficult savings systems and
Method.
The content of the invention
According to the present invention, there is provided there is a kind of savings system, including：Thrift intermediary, the thrift intermediary has transceiver devices,
The transceiver devices are used to from the user with identifier receive the request for savings product or service；And storage device,
The storage device is used for storage commodity corresponding with the identifier or service.
The request can include the instruction of the amount of the commodity to be saved and/or service.
Transceiver is provided with, the transceiver is used to send code to user.
A further feature of the present disclosure arranges transceiver, and the transceiver is used to receive the request for extracting the air time.
The present invention expands to a kind of deposit method, comprises the steps：
- receive for the request for saving the commodity or service specified from user；
- receive identifier from user；
- storage commodity corresponding with identifier or service；And
- send code to user.
Request can include the instruction of the amount to commodity or service.
The record for storing commodity or service can be preserved, and the record can be stored in savings device.
The request received from the user is set from the mobile phone of user.
Form from the request of user can be SMS, USSD or other message；Alternatively by internet.
The message received from user includes the information related to the amount of the commodity or service to be stored.
Another feature of the invention arranges identifier, and the identifier is the Mobile Directory Number of user.
Another feature of the present invention arranges code, and the code is destined to user for the personal identity card for using later
Number.
Another step of the present invention is arranged to：Receive the extraction for extracting previously stored product or service to ask.
Extracting request includes being previously transmitted to the code of user.
Extraction request is provided with, the extraction request is directed to use the product of thrift intermediary storage or the total amount of service,
Or the extraction request is directed to the extraction of a part for the total amount to the product with regard to user's storage or service.
Stored product can also be set or service is earned interest.
Additionally, the air time for arranging savings is constrained by the Expiration Date.
It should be appreciated that term " air time " includes normal voice time and data.
All of deposit request and extract request can personally, physically, wirelessly as by internet or with
Any other mode is carried out.
It is described in more detail below these and other features of the present invention.
Description of the drawings
One embodiment only by way of example and with reference to the accompanying drawings to describe the present invention below, accompanying drawing shows logical
The schematic diagram of words Time bank system and method.
Specific embodiment
Referring to the drawings, savings system and method overall by reference number 1 are represented.
In the embodiment being described herein, the savings to the air time are with reference to.However, those skilled in the art will manage
Solution, the example is equally applicable to any commodity or service, including for example natural gas and water of public utilities or electric power, is particularly being based on
In the case that pre-payment is to buy these public utilities.
System and method 1 include mobile service provider 2.Mobile service provider 4 has directly logical with mobile phone 3
Letter link 4, and there is alternative communication chain of the form for internet 5 between mobile service provider 2 and mobile phone 3
Road.It will be understood by those skilled in the art that without departing from the scope of the invention, there can be many other communication links.
For example, the user of mobile phone 3 directly and physically can buy air time, Huo Zhetong from mobile service provider 2
Cross third party monopolized store to buy the air time, agency serves as in the third party monopolized store or conduct represents mobile service provider
Air time retail trader.
Mobile phone 3 can be communicating via communication link 6 or 7 with air time bank 8.Similarly, communication link 7 can
To be direct Radio Link, and link 6 can similarly via internet, as known in the art.Additionally, can replace
Dai Di, the user of mobile phone 3 can be come to personally at air time bank 8, or comes to the agency's for serving as air time bank 8 personally
At monopolized store.
In use, the user of mobile phone 3 is via link as above or via alternative link from mobile clothes
The business provider 2 purchase air time.The user of mobile phone 3 may decide that the air time of storage so purchase now, or
Storage one part.The user of mobile phone 3 can ask the savings air time of air time bank 8 or one part now.
Air time, bank can carry out identifying user via the Mobile Directory Number of mobile phone 3, and for the Mobile Directory Number
Carry out savings to be stored in.Then, the air time bank 8 can also generation form for personal identification number code, then by the code
It is supplied to the user of mobile phone 3.The code will be supplied to the user of mobile phone 3, or physics via communication link 6 or 7
On be supplied to the user of mobile phone 3.
On following date, when the user of mobile phone 3 needs to extract the stored air time, the user can lead to
Cross contact air time bank 8 and provide personal identification number and the amount of the air time to be extracted realizing.Equally, should
Extracting request can send via communication link 6 or 7, or be sent by physically coming to personally at call bank 8.
In the above described manner, people will easily store the bought air time.Air time is under the control of bank
Safety, and can also be extracted at following any time.
It will be understood by those skilled in the art that the invention is not restricted to fine detail that is described herein or illustrating, and
Without departing from the scope of the invention, there can be many other embodiments.Specifically, although have been made with reference to the air time
Purchase, savings and extract, but method and system described herein will also apply to many commodity and service, particularly
The for example natural gas and water of the commodity bought based on pre-payment and service, such as public utilities or electric power.In this case, it is mobile
Service provider 2 is Utility providers, and user can use any appropriate communicator such as computer or intelligence
Phone carrys out on-line purchase public utilities.Alternately, as it is known in the art, user can be directly in Utility providers
Place buys public utilities and receives code, and the code is used for activation for supplying set amount or setting time section public
Cause, as known in the art.
Claims (30)
1. a kind of savings system, including：Thrift intermediary, the thrift intermediary has transceiver devices, and the transceiver devices are used
In from identifier user receive for savings product or service request；And storage device, the storage device use
In storage commodity corresponding with the identifier or service or with regard to the commodity or the information of service.
2. system according to claim 1, wherein, the request can include the commodity to be saved and/or service
The instruction of amount.
3. according to system in any one of the preceding claims wherein, wherein, the transceiver is in response to receiving the request
And send code to the user.
4. according to system in any one of the preceding claims wherein, wherein, the transceiver is received for extracting asking for savings
Ask.
5. according to system in any one of the preceding claims wherein, wherein, the commodity or service are the air times.
6. system according to claim 5, wherein, the air time includes data and/or voice.
7. according to system in any one of the preceding claims wherein, wherein, receive storage from mobile phone or by internet
Store request.
8. system according to claim 7, wherein, the request is sent using USSD or SMS.
9. according to system in any one of the preceding claims wherein, wherein, the identifier is the mobile phone of the user
Number.
10. the system according to any one of claim 3 to 9, wherein, the code is personal identification number.
11. according to system in any one of the preceding claims wherein, wherein, the authorities are used to extract saved business
All or part of extraction request in product or service.
12. systems according to claim 11, wherein, described extraction asks to include the code or extraction request
It is associated with the code.
13. according to system in any one of the preceding claims wherein, wherein, the savings are earned interest.
14. according to system in any one of the preceding claims wherein, wherein, the commodity or service saved have the Expiration Date.
15. systems according to any one of Claims 1-4 and 7 to 14, wherein the commodity or service are public things
Industry.
A kind of 16. deposit methods, comprise the steps：
- receive for the request for saving the commodity or service specified from user；
- receive identifier from the user；
- storage commodity corresponding with the identifier or service；And
- send code to the user.
17. methods according to claim 16, wherein, the request includes the instruction of the amount to commodity or service.
18. methods according to any one of claim 16 or 17, wherein, store the record quilt of the commodity or service
Preserve in the storage device.
19. methods according to any one of claim 16 to 18, wherein, from the mobile phone of the user receive from
The request of the user.
20. methods according to any one of claim 16 to 19, wherein, the form from the request of user is
SMS or USSD message.
21. methods according to any one of claim 16 to 19, wherein, the request is received by internet.
22. methods according to any one of claim 16 to 21, wherein, the message received from the user includes
The information related to the amount of the commodity or service to be stored.
23. methods according to any one of claim 16 to 22, wherein, the identifier is the mobile electricity of the user
Words number.
24. methods according to any one of claim 16 to 23, wherein, the code be destined to the user for
The personal identification number for using later.
25. methods according to any one of claim 16 to 24, wherein, methods described comprises the steps：Receive and use
In the extraction request for extracting previously stored product or service.
26. methods according to claim 25, wherein, it is described to extract request including the generation for being previously transmitted to the user
Code.
27. methods according to any one of claim 25 or 26, wherein, the extraction request is directed to use institute
The product of thrift intermediary storage or the total amount of service are stated, or described extracted request and is directed to storing with regard to the user
The extraction of a part for product or the total amount of service.
28. methods according to any one of claim 16 to 27, wherein, the product or service for being stored is earned interest.
29. methods according to any one of claim 16 to 28, wherein, pact of the air time for being stored by the Expiration Date
Beam.
30. methods according to any one of claim 16 to 29, wherein, the commodity and service are included selected from following business
Any one or more in product and service：Air time；Public utilities；Electric power；Water and natural gas.
Applications Claiming Priority (5)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ZAPCT/ZA2014/003683 | 2014-05-21 | ||
| ZA2014003683 | 2014-05-21 | ||
| ZA2014004983 | 2014-07-08 | ||
| ZAPCT/ZA2014/004983 | 2014-07-08 | ||
| PCT/IB2015/053748 WO2015177754A1 (en) | 2014-05-21 | 2015-05-21 | Deposit system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106664345A true CN106664345A (en) | 2017-05-10 |
Family
ID=53541863
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201580037763.6A Pending CN106664345A (en) | 2014-05-21 | 2015-05-21 | Deposit system and method |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN106664345A (en) |
| WO (1) | WO2015177754A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102496123A (en) * | 2011-11-21 | 2012-06-13 | 成都伦力表具有限公司 | Over-the-air recharging method applied to gauge table and over-the-air recharging system thereof |
| CN103400294A (en) * | 2008-11-26 | 2013-11-20 | 斯玛特哈伯私人有限公司 | Credit provision system and method |
| CN105139271A (en) * | 2015-08-11 | 2015-12-09 | 天津滨海旅游区公用事业发展有限公司 | Unified billing, accounting and service management system for public utilities |
-
2015
- 2015-05-21 WO PCT/IB2015/053748 patent/WO2015177754A1/en active Application Filing
- 2015-05-21 CN CN201580037763.6A patent/CN106664345A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103400294A (en) * | 2008-11-26 | 2013-11-20 | 斯玛特哈伯私人有限公司 | Credit provision system and method |
| CN102496123A (en) * | 2011-11-21 | 2012-06-13 | 成都伦力表具有限公司 | Over-the-air recharging method applied to gauge table and over-the-air recharging system thereof |
| CN105139271A (en) * | 2015-08-11 | 2015-12-09 | 天津滨海旅游区公用事业发展有限公司 | Unified billing, accounting and service management system for public utilities |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2015177754A1 (en) | 2015-11-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9047600B2 (en) | Mobile and wearable device payments via free cross-platform messaging service, free voice over internet protocol communication, free over-the-top content communication, and universal digital mobile and wearable device currency faces | |
| CN106056374B (en) | systems, methods, and computer-readable media for payment and non-payment virtual card transfer between mobile devices | |
| CA2685459C (en) | System and method for performing person-to-person funds transfers via wireless communications | |
| US20150332252A1 (en) | System for activation of a digital card | |
| US7909243B2 (en) | System and method for completing a secure financial transaction using a wireless communications device | |
| US9224141B1 (en) | Encoding a magnetic stripe of a card with data of multiple cards | |
| CN104115174A (en) | A system, payment agent and computer readable storage medium for facilitating contactless mobile payment transactions | |
| WO2015114475A1 (en) | Systems and methods to own free computer, free mobile device and free wearable device and life time warranty via the same device payment cashback | |
| CN104303197A (en) | Systems and methods for real-time account access | |
| US10896414B2 (en) | Computer message routing and processing system and method | |
| CN105931036A (en) | Payment method and device | |
| US9619792B1 (en) | Associating an account with a card based on a photo | |
| US20170337548A1 (en) | Card Processing Methods and Systems | |
| US20160042340A1 (en) | Closed prepayment program via merchant pos terminals | |
| US20210319413A1 (en) | Ticketing system, ticket management device, and payment method | |
| JP2019212260A (en) | Method for providing automatic virtual currency settlement service considering exchange rate between virtual currency and nominal money | |
| CN104077699A (en) | Payment data processing method and system used for e-business platform | |
| US20140188710A1 (en) | Third party settlement | |
| Leavitt | Are mobile payments ready to cash in yet? | |
| US20160012480A1 (en) | Targeted Electronic Commerce Based on Historical Purchasing Data | |
| CN104966196A (en) | Method and apparatus for providing e-commerce and m-commerce | |
| CN106664345A (en) | Deposit system and method | |
| US20160217524A1 (en) | System and method for processing a bank transaction | |
| Victor | On the user‐centric evolution of mobile money technologies in developing nations: successes and lessons | |
| US20140081843A1 (en) | Presentation instrument loading |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170510 |