KR20160019462A - System and method for facilitating transactions - Google Patents

Abstract

A system and method for facilitating transactions, the system comprising: a host network comprising at least one subscriber account, the at least one subscriber account comprising: a first electronic wallet for performing a specific transaction with a selected institution; And a second electronic wallet for performing other types of transactions; And a settlement facility coupled to the host network for performing the transactions, the settlement facility being operable to settle and reconcile transactions, upon receipt of a transaction request, to determine a type of transaction and to pay for the transaction from the first electronic wallet or the second electronic wallet A system and method for facilitating a transaction, the system comprising: the payment facility comprising at least one processor.

Description

[0001] SYSTEM AND METHOD FOR FACILITATING TRANSACTIONS [0002]

This application claims priority from Singapore patent application No. 201304593-5, which is incorporated herein by reference in its entirety.

The present invention relates to a system and method for facilitating transactions. In particular, but not exclusively, the present invention relates to a system and method for facilitating transaction-related transactions.

Currently, most mobile communication systems employ two charging methods (paradigm), namely post-charge charging or prepay charging. Most postpaid mobile phone services are provided by a contract between the user and the service provider. Under the postpaid charging scheme, the user is billed at the end of each billing cycle based on the level of usage of the users.

Under the prepaid charging scheme, a user typically buys a handset with a set amount of network credits. The user then has free access to the network until the credit is used up. The user can add credit to the prepaid account at any time. This is known as the account "topping-up". This top-up can be affected by credit / debit card transactions with service providers or by purchasing "top-up cards" at retail outlets. A unique code (often under the scratch-off panel) that can be exchanged on this credit-based phone is stamped. Credits for prepaid mobile phones can have a time limit, for example, 90 days from the date the final credit was added. In this case, customers who do not add any more credit before expiration will lose their remaining balance, and the service (and associated phone number) may be suspended.

One problem with the use of the prepaid service is that it is difficult to recharge the credit when the user is outside the network of the service provider (e.g., if the user is roaming abroad). In such a case, the user can not purchase the recharge card from the user's particular service provider. However, as described above, the user has the option to recharge the credit using a credit or debit card. Typically, such recharging capabilities are provided in the form of a web portal, a dial-in service via a preprogrammed service number, or an SMS service. Dial-in and SMS recharging can be especially problematic if the user has insufficient credits to initiate phone calls or send SMSs. Likewise, the web portal requires the user to access the Internet, which can eventually have a significant delay between being notified of credit shortages and recharging the user can not access the network, and in some cases, You may not be able to receive it. Such delays can be exacerbated because the user's home network requires some time to register the renewal of the credit value, and the delay can also be generated as a change in the credit value eventually propagates to the host network .

In addition to the problems described above, there is a general need to provide greater convenience with regard to remittance. In countries such as the Philippines, domestic housekeeping employees send monthly membership contributions to the Home Development Mutual Fund (HDMF) (Pag-IBIG Fund) and pay premiums to the Philippine Health Insurance Corporation PhilHealth and the Social Security System (SSS).

Specifically, the domestic worker (aka Kasambahav), without having to spend time and / or travel to pay to the bank or "bay" center (payment center) via over-the-counter (OTC) It is necessary to pay for their social security coverage. Domestic workers are often hung up on fulfilling their duties, so there is usually no time to go out to pay the bills they are charged for.

Accordingly, systems and methods are needed that enable payments for government entities, payment cases for private billers, and other payment-related use cases, where the payment case and payment-related usage cases Mobile Device - The mobile device is capable of providing direct debit from a subscriber's savings account / checking account (CASA) bank account through multiple channels, including existing mobile phone time-of-use retailers via mobile, Through a credit card accumulating a Bayadload wallet with a denomination equivalent to a denomination, and / or a denomination equivalent to a monetary value; When a payment transaction is requested to be redeemed, it can be made via an account pre-funded to the partner bank, using a mobile application as an SMS, USSD, or bearer channel.

Throughout this specification, unless the context requires otherwise, the terms "comprising", "consisting of", etc. are not to be construed as being, and in other words, to be understood as meaning "including, but not limited to" do.

Through direct debit from a subscriber's Savings Account / Checking Account (CASA) bank account, through multiple channels, including existing cell phone usage time retail through mobile, online or mobile applications, and / Support multiple prepaid and postpaid subscribers through individual mobile wallets that can be reloaded via a credit card that accumulates a bayard load wallet with an equivalent face value; Payments to government agencies, payment to private billers, and other payments made via SMS, USSD, mobile application as a bearer channel, through accounts pre-paid to partner banks, when payment transactions are requested to be repaid It would be advantageous to provide a system and method of universal loading as a medium for the relevant use cases.

More particularly, the present invention relates to a payment system and method for payment of government donations, particularly for members of the social security system.

According to a first aspect of the present invention, there is provided a host network having at least one subscriber account, the at least one subscriber account having a first electronic wallet for performing a specific transaction with a selected institution and a second electronic wallet for performing a second transaction And the electronic wallet, wherein the host network further comprises a settlement facility coupled to a host network for performing the transactions, wherein upon receipt of a request for a transaction, the settlement facility determines a type of transaction, And at least one processor for debit from the electronic wallet or the second electronic wallet.

Preferably, the selected institution is a government entity.

Preferably, the particular transaction includes at least one of social security, housing supply, and mandatory donation payment for deductions and health insurance.

Preferably, the host network is a telecommunication network.

Advantageously, said at least one subscriber account is a prepaid mobile subscriber account.

Alternatively, the at least one subscriber account is a post-paid mobile subscriber account.

Advantageously, said transaction request is sent via a short messaging service (SMS) text message.

Preferably, the credit for the first electronic wallet can not be transferred to the second electronic wallet.

Preferably, the credit associated with the first electronic wallet does not expire.

Advantageously, other types of transactions associated with the second electronic wallet include cellular phone use time (airtime) and basic talk time reloading associated with a prepaid or postponed subscriber account.

Advantageously, said first electronic wallet is useful for a subscriber having a second electronic wallet through a separate and independent registration process.

Advantageously, the system includes a transaction processor for validating a request or a portion thereof for the transaction.

According to a second aspect of the present invention,

a. Receiving an electronic transaction request from a user of the mobile computing device;

b. Determining a type of transaction from the electronic transaction request, wherein if the transaction type is a particular transaction associated with the selected agency, then a first electronic wallet associated with the user is used for the transaction, A method is provided for facilitating transactions wherein an associated second electronic wallet is used for the transaction.

Preferably, the selected institution is a government entity.

Preferably, the particular transaction includes one or more of mandatory donations for social security, housing supply, deductions and health insurance.

Preferably, the credit for the first electronic wallet can not be transferred to the second electronic wallet.

Reference will now be made to the accompanying drawings, which show preferred embodiments of the invention, in order that the invention may be more readily understood and practiced.
1 is a schematic diagram illustrating process steps associated with registering basic subscriber information, in accordance with an embodiment of the present invention.
2 is a schematic diagram illustrating process steps associated with registering a billing account, in accordance with an embodiment of the present invention.
3 is a schematic diagram illustrating process steps associated with reloading of money through a retail store, in accordance with an embodiment of the present invention.
4 is a schematic diagram illustrating process steps associated with a subscriber sending a balance inquiry to a system, in accordance with an embodiment of the present invention.
5 is a schematic diagram illustrating process steps associated with paying SS, Pag-IBIG, or Phil Health as an employee, in accordance with an embodiment of the present invention.
6 is a schematic diagram illustrating process steps associated with paying SS, Pag-IBIG, or Phil Health by a person other than an employee, in accordance with an embodiment of the present invention.
Figure 7 is a schematic diagram illustrating process steps associated with locking a subscriber in accordance with an embodiment of the present invention.
Figure 8 is a schematic diagram illustrating the process steps associated with unlocking a closed account by a subscriber, in accordance with an embodiment of the present invention.
9 is a schematic diagram illustrating process steps associated with a subscriber requesting information from a system, in accordance with an embodiment of the present invention.
10 is a schematic diagram illustrating process steps associated with a subscriber requesting help from a system, in accordance with an embodiment of the present invention.
11 is a block diagram of a system in accordance with an embodiment of the present invention.

Other configurations of the present invention are possible, and as a result, the accompanying drawings are not to be understood as a substitute for the generality of the description of the present invention.

The systems and methods described below allow pre-paid subscribers and post-paid subscribers of the communications network to pay for government related donations. For example, in the Philippines, the system is a member of the Social Security System (SSS), PhilHealth in the Philippines, and the Home Development Mutual Fund (HDMF) And allow them to pay their donations / dues to relevant government agencies. This service is convenient, using a subscriber load provided using a separate individual electronic wallet that is different from the conventional electronic basic-use wallet used in topping-up or "recharging " , An alternative payment channel that is seamless, secure and accessible. In particular, the communication provider may be a telecommunication provider. The telecommunications provider can partner with a bank as a payment entity or facility for credits to individual receiving government accounts to enable the invention to function.

This will provide a convenient, seamless, secure and accessible alternative payment channel with stores for existing retailers and telecommunications providers capable of providing such services. Thus, a large number of subscribers, etc., who are potentially able to use the above-mentioned payment facilities and which lack the necessary additional registration, will benefit. Subscribers associated with other telecommunications providers may also use the payment services described above.

With respect to the customer of this function, these customers will not be required to remember their account number at all times and are required to register only once with the telecommunications provider via SMS. The telecommunications provider may also provide a 24 hour balance inquiry system, a 24-hour payment window system, and a receivable receipt view, download or print function. The system will allow the subscriber to determine a valid account and respond accordingly.

The system can also be recognized when a single user with a matching address registers three accounts in the Philippines, such as multiple accounts, e.g., PhilHealth, SSS, or Pag-IBIG. By applying transitivity to different databases, and in particular by using matching details such as address and mobile identification number (MIN), the subscriber is perceived as the same person, So that all accounts can be linked using the same ID. This process can be done by the system by prompting additional triggering actions for the subscriber in the background where the subscriber does not know the subscriber, thereby allowing the subscriber to accept or approve the prompt accordingly.

With such a prepared system, the subscriber can either purchase anonymously or save what they have purchased on the public transport system. The back-end billing and / or reconciliation system examines multiple databases and removes inconsistent addresses, and after a fully matched record becomes an authenticated identity, subscribers with authenticated identity can easily benefit from all databases So that you can access it. By using this to better understand subscribers, it can be used for data mining, ad matching, or even monitoring purposes.

In the detailed description, the terms "first electronic wallet" and "second electronic wallet" are used for illustrative purposes only to distinguish the functionality of one electronic wallet from the functionality of another electronic wallet, It should not be construed as being limited to the priority view.

In accordance with one embodiment of the present invention, a system 10 for facilitating transactions involving a host network 12 is provided. The host network 12 includes, but is not limited to, a telecommunications provider. The telecommunications provider 12 includes at least one subscriber account 14. The at least one subscriber account is associated with a first electronic wallet (20) for performing at least one type of transaction with at least one institution. The subscriber account also includes a second electronic wallet 20 for performing other types of transactions that are mutually exclusive with the first type of transaction.

The settlement facility 16 is connected to the host network 12 to perform one or both types of transactions. The settlement facility 16 is operable to settle and coordinate transactions. To accomplish this, the settlement facility 16 includes at least one processor that, upon receipt of a transaction request, determines the type of transaction and the debit / credit from the first or second electronic wallet to effect the transaction. Alternatively, there may be multiple payment facilities for payment of various types of transactions associated with the first and second electronic wallets. It should be noted that regardless of the configuration, the first type of transaction must be kept separate and independent from other types of transactions. The first and second electronic wallets can, however, interact with each other for transfer of the funds if necessary.

In one embodiment, the settlement facility 16 is a bank that is coupled and arranged to provide a settlement facility to the telecommunications carrier 12. At least one subscriber account 14 may be a postpaid account or a prepaid account. The electronic purses 20,22 associated with each subscriber are maintained within the telecommunication provider and the first electronic wallet is governed by a particular set of rules different from the second electronic wallet. In particular, the first electronic wallet is used for secure payment, via alternative payment channels, for mandatory monthly donations to government agencies. One of the conditions governing the first electronic wallet should be that the credit or money in the first electronic wallet 20 can not be cashed out without expiring.

For illustrative purposes, the subscriber may already have a subscription for use for other transactions, including accumulation or transfer of call time or usage time credits, bill settlement, reloading of prepaid accounts, depositing into a fund account, ATM withdrawal, 2 electronic wallet 22, as shown in Fig.

An example of such a second electronic wallet 22 is Smart Money ^TM , an electronic wallet of Smart Communication Inc. The registration and procedures in the context of the second electronic wallet or mobile electronic wallet are well known in detail and will not be further described further.

The transaction processor 24 may be used to validate a request for a transaction request or a portion of a transaction. One example of transaction processor 24 is an SMS center.

With respect to the first electronic wallet 20, before the user can perform certain transactions associated with the first electronic wallet 20, the general person must register as a user. The registration process is shown in FIG. 1 and is described in detail below.

Registration (step 100)

During this process, the subscriber &apos; s basic information and account details are obtained. This acquisition is done via SMS, for example, in the form of <keyword>, <name>, <middle name>, <last name>, <birthday MMDDYY>. In this way, the user inputs "Reg Sherwin Anana Diamante 082180" into his / her mobile device by SMS and transmits it to the SMS center (step 102).

The SMS center checks if the < keyword > field "Reg " is valid (step 104) and, if valid, sends the registration to the electronic purse processor (step 106). The electronic wallet processor is a first electronic wallet 20 (hereinafter referred to as a " barard load "wallet) that utilizes data communication to a Bayadload fund to verify that the SMS syntax is correct and for settlement and reconciliation (Step 108). &Lt; / RTI &gt; Once the barard load wallet is created, an SMS notification may be sent to the subscriber to inform the subscriber that the creation was successful (step 110). If the notification is successful, the system informs the subscriber that the subscription is complete and the wallet may be loaded (or reloaded) on any of the retail outlets of the authorized telecommunications provider. For example, the system may respond as follows:

MMMDD HH: MM

Finished appointment! You can load your wallet from any SMART retailer.

By reloading your T & C wallet, you agree to terms and conditions on this website www.bayadload.com.

REF #

MMMDD HH: MM

Step 2: Register your billing account number by sending "Acct PIF <Acc #> PHL <Acct #> SSS <Acct #>" for Pagibig, PhilHealth and SSS.

Sample 1: Acct PIF 12345678901 PHL PIF 12345678901 SSS PIF 12345678901,

You can register only one account by sending only "Acct PIF <Acct #>".

Sample 2: Acct PIF 12345678901

REF #

In the case of rejected notifications, the system may prompt the user to retry based on an error in the SMS, e.g., a syntax that is not valid, and the system may respond as follows.

Syntax example:

MMMDD HH: MM

Please retry. Send the following message to 8888

"Reg <name> <middle name> <last name> <birthday MMDDYY>.

Sample: Reg Sherwin Anana Diamente 082180

REF # 12345678

In the case of an invalid keyword, the system may respond as follows.

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

If for some reason the account is unavailable, the system may respond as follows.

BayadLoad account can not be edited.

MMMDD HH: MM

REF # <12345678901>

3131 access code

Once the user is registered, as shown in FIG. 2, the user can now be prompted to register billing account information as the owner of the bar load account (step 200). The user can register with the SMS center using the following syntax (step 202).

The subscriber can instruct the system to register the billing information using the syntax <keyword>, <biller code>, and <account number>. Therefore, the user can transmit "Acct PHL 2394823498" via SMS. Upon receipt of the SMS, the SMSC checks whether the keyword is valid (step 204) and, if valid, the received SMS is sent to the electronic purse processor for further confirmation (step 206). Additional verification includes checking whether the syntax is valid, whether the mobile identification number is registered and an arbitrary check number, and / or whether the bay load wallet is unlocked. If so, a new billing account registration record is generated, and if there is an existing billing person record, the existing billing person record is updated (Step 208).

The system then notifies the subscriber of the success of the notification of success by sending an SMS such as:

Syntax example:

MMMDD HH: MM

Finished appointment! You can load your barard load wallet from any SMART retailer. You have the option to lock this account by sending "Lock <4 Numeric PIN>" to 8888. After the lock is successful, you can unlock this account by sending "Unlock <4 numeric PIN>" to 8888.

REF # <12345678901>

Alternatively, the system may reject the notification if the syntax is incorrect.

MMMDD HH: MM

Send "Acct <Biller code> <Acct #>" to 8888.

The valid biller code is "PHL" for PhilHealth, "PIF" for the Pag-IBIG fund, and "SSS" for the SSS.

REF # <12345678901>

Or, if the account is locked,

MMMDD HH: MM

This account is currently locked. Please unlock first.

REF # 12345678>

MMMDD HH: MM

Alternatively, if the subscriber does not have a basic registration,

MMMDD HH: MM

MIN is not yet registered for BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

Or, if there is an invalid command or keyword,

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

If the subscriber wants to update basic information or account details, the registration process may be repeated. In some cases, such an update is only allowed if the balance in the account is zero and no transaction has been previously executed. The process for handling an update in the case of a balance will be defined separately. Alternatively, the business rules for dealing with validation of account balances may be flexible. That is, it can be processed according to whether the balance is zero or a small amount remains.

One of the functions a subscriber can perform is to reload credits or money into his or her own bay load account or wallet. Process flow 300 is shown in FIG. The subscriber (the owner of the bayard load) may trigger the purchase of the stack via an authorized third party retailer having an account using the host network (step 302).

The subscriber will have to reload the money in an account or in a barard load wallet, one of which is through a retail store. The amount to be reloaded depends on the retailer, and the amount can be any amount. As an example, the retailer will send an SMS to the system using the syntax <keyword> <target MIN> <amount>. For example, "Load 09192700045 300" (step 304).

When sent to the SMS center, the SMS center checks whether the keyword "Load " is a valid keyword. If it is a valid keyword, the load request is forwarded to the electronic purse processor (step 306). The electronic purse processor further checks if the syntax is valid and, if the syntax is valid, checks whether the customer (subscriber) has a valid bay load account (step 308). If a check has been made, a debit request is sent to the fund source PPC OMW for processing (step 310). The fund source PPC OMW is typically used to load the subscriber's airtime. The debits request includes a first identifier (Anumber) corresponding to a retail account to be debited; A second identifier (Bnumber) corresponding to the account of the subscriber to be credited; And the amount to be debited. If the first identifier, the second identifier, and the amount to be paid are verified (step 312), the PPC OMW pays to the retailer (step 314). A response is sent from the PPC OMW to the SHI wallet processor (step 316) and the SHI wallet processor then sends a credit transaction request to the bay load (step 318). Upon receipt of the credit transaction request, the bar load checks the cumulative limit and provides credit to the customer (step 320).

The system then notifies both the retailer and the subscriber that the transaction was successful (step 322), if the transaction was successful, for example, the system would send the following to the retailer:

Syntax example:

MMMDD HH: MM

You have successfully loaded P200 on Sherwin's bayard load wallet with 09192700045.

Your new Wallet Balance is P195.

REF # <123456789>

Please send the following information to the subscriber.

MMMDD HH: MM

P200 has been successfully loaded into your barard load wallet.

The new bar yard load wallet balance is P400.

Before paying, remember to load more than 12% in addition to the payment of the insurance, to relieve the inconvenience.

REF # <123456789>

If the notification is rejected, the syntax may send the following message according to the attributes of the message. If the balance is insufficient, the system can transmit the following.

MMMDD HH: MM

The amount of your wallet that you have loaded is not enough to carry out this transaction. Your available balance is only P90.

REF # <12345678901>

When the maximum cumulative limit is reached, the system can transmit:

MMMDD HH: MM

You have reached the maximum target limit of your target bar yard load wallet, your available balance is only P10,100.

REF # <12345678901>

In the case of an invalid syntax, the system can transmit:

MMMDD HH: MM

"Pay <MIN> <biller code> <amount>" to 8888.

A valid biller code is "PHL" for PhilHealth, "PIF" for Pag-IBIG fund, and "SSS" for SSS.

REF # <12345678901>

If the subscriber is not yet registered in the system, the following message may be sent.

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

For invalid commands, the following message may be sent:

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

Alternatively, the fund source PPC OMW may be replaced with another fund source dedicated to the purpose of providing the fund, thereby completing the barard load related transaction.

The balance query (Figure 4)

If the subscriber wants to check his bar load account (400), the check may be done by SMS via the keyword < keyword >. For example, by sending the keyword "Bal" to the SMSC (step 402), the system checks whether the keyword is valid (step 404). Upon verification, a balance inquiry request is sent to the first electronic wallet confirming the syntax, and a check is made as to whether the bar load account is unlocked and whether a bar load account exists (step 406). Upon verification, the balance of the subscriber is retrieved (step 408), and a response is sent if it is a successful notification.

Syntax example:

MMMDD HH: MM

The available balance of your barard load wallet is P200.

Before paying, remember to load more than 12% in addition to the payment of the insurance, to relieve the inconvenience.

REF # <123456789>

If the notice is rejected as follows:

The barred load account is locked.

MMMDD HH: MM

This is currently locked. First, unlock it.

REF # <123456789>

And, if the subscriber is not yet registered in the system, the following message may be transmitted.

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

As before, for invalid commands, the following message can be sent:

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

For government agencies payment (Fig. 5)

As an employee, a subscriber may wish to pay for one of the health care system, insurance, or retirement funds (500). This may be accomplished by sending the SMS to the system using the syntax <keyword> <biller code> <amount>, for example, "Pay SSS 200" (step 502). As in the previous transaction, the SMS is sent to the SMSC and then the SMSC checks whether the keyword "Pay" is valid (step 504) and, if valid, sends a request to the electronic purse 20 (SHI wallet) for further processing . This wallet verifies that the syntax is valid, verifies that there is a valid bar load account and whether the account is unlocked. The barard load account checks whether there is a valid billing account and calculates the arbitration fee to be paid (step 506). Once the account check and the fee are calculated, an SMS notification is sent to the subscriber for confirmation by the subscriber for the total amount (step 508). If the subscriber confirms by returning the correct keyword (e. G., "Yes" - see step 510), the SMS center sends the transaction to the electronic wallet for processing. The electronic wallet then sends a debit request to the barard load database for the debit of the required fund (step 512), and when the payment is successful, the barard load purse account is notified that the payment was successful to the subscriber (Step 512).

In the case of a notification that the payment is successful at step 514, an example of the syntax is:

MMMDD HH: MM

You have successfully paid P200 to Sherwin Diamante's SSS account 123456789. Fees for convenience P24 has been deducted from your bar load wallet.

Your new bar yard load wallet balance is P76.

REF # <12345678901>

In the early stages of the system, m multiple payments using a single SMS may not be implemented at a later stage by increasing the number of systems required.

In the case of a rejected notification, the system may notify the subscriber of the locked account.

MMMDD HH: MM

This is currently locked. First unlock it.

REF # 12345678

In the case of insufficient balances,

MMMDD HH: MM

Your barred load wallet account does not have enough funds.

Before paying, remember to load more than 12% in addition to the payment of the insurance, to relieve the inconvenience.

REF # <12345678901>

In the case of an invalid syntax,

MMMDD HH: MM

"Pay <MIN> <biller code> <amount>" to 8888.

The valid biller code is "PHL" for PhilHealth, "PIF" for the Pag-IBIG fund, and "SSS" for the SSS.

REF # <12345678901>

And, if the subscriber is not registered in the system,

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

For invalid commands, the system sends the following message.

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

Third Party payment (Fig. 6)

If a person (a third party) who is not a subscriber wants to pay to the bar load account of the subscriber, the third party registers in the system using the process of FIG. 1 (if it does not have an existing account) You need to create a bar yard load wallet. Then, the following syntax can be used.

<Keyword> <biller code> <amount> <member employee MIN> can be generated. For example, "Pay SSS 200 09192700045" (step 602). As in the previously described transaction, the request may be sent to the SMSC as an SMS for processing. The SMS center checks if the keyword "Pay " is valid and, if valid, sends it to the barard load purse for further processing (step 604). The first electronic wallet determines whether the syntax is valid, whether the customer has a valid bay load account, whether the bay load wallet is unlocked, and retrieves the billing account information of the subscriber . The barard load wallet calculates a convenience fee (step 606).

The total amount to be billed and billed is sent for verification by a third party (step 608). If approved, for example, the third party sends the keyword "Yes" to the SMSC, the SMSC checks whether the keyword is valid, and, if valid, sends a debit request to the bayard load database for the required fund transfer. Payed from a third party's barred load purse account (step 610) and the notification is then transmitted (step 612).

Examples of the syntax are as follows.

In the case of a successful notification, the system responds to the employee and payee as follows.

To your employer:

MMMDD HH: MM

Lito Villanueva paid P200 to your SSS with Acct # 123456789.

REF # <123456789>

To the payer:

You have successfully paid P200 to Sherwin Diamante's SSS account 123456789. Fees for convenience P24 has been deducted from your bar load wallet.

Your new balance is P76.

REF # <123456789>

If the notification is rejected, the system can notify the subscriber about the locked account.

MMMDD HH: MM

This is currently locked. First unlock it.

REF # 12345678

In the case of insufficient balances,

MMMDD HH: MM

Your account in the barred load wallet does not have enough funds. Before paying, remember to load more than 12% in addition to the payment of the insurance, to relieve the inconvenience.

REF # <12345678901>

In the case of an invalid syntax,

MMMDD HH: MM

"Pay <MIN> <biller code> <amount>" to 8888.

A valid biller code is "PHL" for PhilHealth, "PIF" for Pag-IBIG fund, and "SSS" for SSS.

REF # <12345678901>

And, if the subscriber is not registered in the system,

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

For invalid commands, the system sends the following message.

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

Barard road  Account Lock (Figure 7)

The subscriber may also lock the account in the system via SMS using the syntax <keyword> <PIN>, e.g., "Lock 1234" (step 702). The SMS is sent to the SMS center for processing (step 704) and the SMS center checks if the keyword "Lock" is valid and, if valid, sends the lock request transaction to the bay load wallet for further processing and confirmation. The verification process includes checking whether the syntax is valid, whether the customer has a valid bay load account, and whether the bay load account is unlocked. When these checks are performed, the barard load wallet locks the bar load account (step 706). A notification in the form of SMS or other form of notification is sent to the subscriber (step 708).

If the notification is successful, the system returns to the subscriber.

MMMDD HH: MM

Your account has been locked. Unlock this account by sending "Unlock <PIN>".

REF # <123456789>

By locking the account, the subscriber can no longer pay or know the balance of the account or even the edit details of the account. Instead, the subscriber can simply reload the account through the retailer, or accept payment from the third party payer to the account. There may also be a case where the subscriber or system can specify that the account has been locked after a certain number of transactions. The system can send the following message.

MMMDD HH: MM

Your account has been locked. Unlock this account by sending "Unlock <PIN>".

REF # <123456789>

In the case of rejected notification, the system may notify the subscriber of the locked account.

MMMDD HH: MM

This is currently locked. First unlock it.

REF # 12345678

In the case of insufficient balances,

MMMDD HH: MM

The account of your barard load wallet does not have enough funds. Before paying, remember to load more than 12% in addition to the payment of the insurance, to relieve the inconvenience.

REF # <12345678901>

In the case of an invalid syntax,

MMMDD HH: MM

"Pay <MIN> <biller code> <amount>" to 8888.

A valid biller code is "PHL" for PhilHealth, "PIF" for Pag-IBIG fund, and "SSS" for SSS.

REF # <12345678901>

And, if the subscriber is not registered in the system,

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

For invalid commands, the system sends the following message.

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

If the account is already locked, the system sends the following message.

MMMDD HH: MM

Your account is already locked.

REF # <12345678901>

Barard road  account Unlock (Fig. 8)

The subscriber may continue to use the barred load account by unlocking the locked barred load account (800). This may be done using the same syntax <keyword><PIN>, for example, "Unlock 1234" (step 802). Upon receipt of the unlock request, the SMSC checks if the keyword is valid and, if valid, transmits the transaction for further processing by the electronic purse 20 (step 804). The electronic wallet 20 is operable to check the syntax and whether the customer has a valid bay load account and whether the bay load account is indeed locked and if the bar load account is locked, The yardload account is unlocked (step 806). A notification is then sent (step 808).

If an unlock occurs in a transaction in which the account is locked, the system can send:

MMMDD HH: MM

Your account is locked. Unlock this account by sending "Unlock <PIN>.

REF # <123456789>

In the case of rejected notification, the system notifies the subscriber of the locked account.

MMMDD HH: MM

This is currently locked. First unlock it.

REF # 12345678

In the case of an invalid syntax,

MMMDD HH: MM

Send "Lock <4 number PIN>" to 8888.

REF # <12345678901>

And, if the subscriber is not registered in the system,

MMMDD HH: MM

MIN is not yet registered in BayadlLoad. Please send the following syntax to 8888.

"Reg <name> <middle name> <last name> <birthday MMDDYY> <emailAdd- optional>.

Sample: Reg Sherwin Anana Diamente 082180 regsherwin@email.com

REF # <12345678901>

For invalid commands, the system sends the following message.

MMMDD HH: MM

See the list of valid keywords below.

Reg, Acct, Lock, Unlock, Info, Honey, Pay, History,

Help, Help Reg, Help Acct, Help Lock, Help pay, Help History

REF # <12345678901>

If the account is already unlocked, the system sends the following message.

MMMDD HH: MM

Your account is already unlocked.

REF # <12345678901>

As shown in FIG. 9, the subscriber may query information regarding his registration and billing details (step 900). The keyword, for example, "Info" is sent to the SMS center as SMS (step 902). The SMS center checks if the keyword is valid (step 904) and, if valid, sends the transaction to the bay load wallet. The barard load wallet then checks if the syntax is valid, if the customer (subscriber) has a valid wallet, and if so, retrieves the required registration and billing details (step 906). If successful, the notification may be sent to the subscriber in the form of an SMS (step 908).

If the barred load owner (i.e., subscriber) needs help for any of the transactions described above (1000), the subscriber may use the "Help" keyword for general reply, The "Help Reg" keyword may be transmitted to the SMS center (step 1002).

On receipt of the "Help" transaction, the SMS center checks whether the keyword is valid (step 1004) and, if valid, sends a "Help" transaction to the bayard load e- . Upon receipt of the Help transaction, the barred load e-wallet 20 retrieves the required information (step 1008), and then sends the SMS notification to the desired response or link to the response (step 1010).

One example of one or more payment facilities 16 utilized in the above embodiments may be that described in PCT Publication WO 2010/06266 Al, entitled " Credit Provision System and Method " have. In particular, the described credit facility 16 may provide credits to one or more subscribers. The billing facility 16 also processes and settles transactions involving at least one party of the host (home) network 12, the retail network of the host network, and the (prepaid or postpaid) Functions. In addition, the credit facility 16 allows different currencies to be treated as transactions through the reference currency master.

In another embodiment of the present invention, the first electronic wallet 20 may be a non-telecommunication provider of network-related transactions, such as gaming and health insurance, utilities (e. G., Power) , Digital TV or hub subscription, gaming, and the like

The second electronic wallet 22 is used for transactions relating to loading / reloading of airtime, SMS credits, telephone calls, and voice and data services for subscribers of a telecommunications carrier.

In another embodiment, the subscriber can go to the nearest retail store and accumulate his electronic (barard load) wallet. The retailer must access his user interface menu using the same retailer SIM (pre-registered) and enter the target identifier of the target bar yard load account (eg mobile MSISDN) and the amount to be loaded. Then, before processing the request, make sure that the target account has an active bar-yard load purse. The retailer and the subscriber all receive a notification message confirming that the request processing is successful.

It will be apparent to those skilled in the art that the foregoing embodiments have been presented for illustrative purposes only and that further modifications and improvements to the present invention are within the broad scope and scope of the invention disclosed herein. Especially:

The described embodiments relate to transmitting various transaction requests using SMS, but the transmission of the request may be accomplished by other means, such as Unstructured Supplementary Service Data (USSD) messages, And dedicated client software installed on the phone.

Although the above embodiments have described that the first electronic wallet (i.e., the barard load wallet 20) has two separate components (see SHI wallet and SHI barard load), these two components can both identify and process transactions And may be integrated together as a single platform to link them to the payment facility 16. [

All transactions to be paid by the settlement facility 16 can be verified and transmitted on a daily basis through a batch process. The settlement facility 16 then triggers a fund transfer from the bank account of the host network to the biller account of the bay load account holder. The batch process can be done through a secure network protocol to securely transfer files through a secure shell, such as the SSH File Transfer Protocol (SFTP) (not limited to SFTP).

The electronic purses 20, 22 may interface with available electronic wallets (non-host network electronic wallets) to provide more bundling services to subscribers of the host network.

Retailers for barard load accumulation and reloading may be downstream of a chain of suppliers, such as a regional distributor or a silver local distributor.

Claims (15)

A system for facilitating transactions, the system comprising:
A host network comprising at least one subscriber account,
Wherein the at least one subscriber account comprises a first electronic wallet for performing a specific transaction with a selected institution,
A second and an electronic purse for performing other types of transactions; And
A settlement facility coupled to the host network for performing the transactions, the settlement facility being operable to settle and coordinate a transaction, upon receipt of a transaction request, to determine the type of transaction and to receive payment from the first electronic wallet or second electronic wallet wherein the payment facility comprises at least one processor for debit transactions.
2. The system of claim 1, wherein the selected agency is a government agency or a government-related agency.
3. The system of claim 2, wherein the particular transaction comprises one or more of mandatory donations for social security, housing supply, deductions and health insurance.
4. A system according to any one of claims 1 to 3, wherein the host network is a telecommunication network.
The system of any one of claims 1 to 4, wherein the at least one subscriber account is a prepaid mobile subscriber account.
5. The system of any one of claims 1 to 4, wherein the at least one subscriber account is a post-paid mobile subscriber account.
6. The system of claim 4 or 5, wherein the transaction request is sent via a short messaging service (SMS) text message.
2. The system of claim 1, wherein the credit for the first electronic wallet can not be transferred to the second electronic wallet.
2. The system of claim 1, wherein the credit associated with the second electronic wallet does not expire.
10. A method according to any one of claims 1 to 9, wherein the other types of transactions associated with the second electronic wallet are characterized by comprising a mobile phone time-of-use reloading associated with a prepaid or postponed subscriber account A system for facilitating transactions.
11. A method according to any one of claims 1 to 10, characterized in that the first electronic wallet can be used by a subscriber having a second electronic wallet through a separate and independent registration process. For the system.
CLAIMS 1. A method for facilitating transactions,
a. Receiving an electronic transaction request from a user of the mobile computing device; And
b. Determining a type of transaction from the electronic transaction request,
Wherein a first electronic wallet associated with the user is used for the transaction if the transaction type is a particular transaction associated with the selected institution, otherwise a second electronic wallet associated with the user is used for the transaction. Lt; / RTI &gt;
13. The method of claim 12, wherein the selected institution is a government entity.
14. The method of claim 13, wherein the particular transaction comprises one or more of mandatory donation payments for social security, housing supply, deductions and health insurance.
15. A method according to any one of claims 12 to 14, characterized in that the credit for the first electronic wallet can not be transferred to the second electronic wallet.

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