WO2010032887A1 - Système de banque de crédit prépayé - Google Patents

Système de banque de crédit prépayé Download PDF

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Publication number
WO2010032887A1
WO2010032887A1 PCT/KE2009/000020 KE2009000020W WO2010032887A1 WO 2010032887 A1 WO2010032887 A1 WO 2010032887A1 KE 2009000020 W KE2009000020 W KE 2009000020W WO 2010032887 A1 WO2010032887 A1 WO 2010032887A1
Authority
WO
WIPO (PCT)
Prior art keywords
banker
banking
credit
prepaid
mobile
Prior art date
Application number
PCT/KE2009/000020
Other languages
English (en)
Inventor
John Kamonjo Mwaura
Original Assignee
John Kamonjo Mwaura
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by John Kamonjo Mwaura filed Critical John Kamonjo Mwaura
Publication of WO2010032887A1 publication Critical patent/WO2010032887A1/fr

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
    • G06Q20/30—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
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units
    • 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
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices

Definitions

  • (1-1) 'Adopting Bankers Independent Vendors' includes any trade, agency, independent outlets of the agent, the independent vendor's vending machine however defined, Consignor or an optional purchaser, adventure or concern in the nature of trade of the Adopting Banker's Prepaid Money . Credit (Banker's Scratch Cards)/ or Adopted Bankers GSM SIM Cards at a commission;
  • (1-2) 'Adopting Bankers SIM Card' means the adopting bankers cellular/mobile-phones GSM SIM Cards-bearing a customer-mobile- phone integrated interface (a human-mobile phone functional application program as a standard feature in the menu of the adopting banker's cellular/mobile phone SIM Cards), by which the banker may allow and enable existing customers to employ in their cellular/mobile- phones to communicate to the banker's system, both financial and non- financial information.
  • GSM SIM Cards-bearing a customer-mobile- phone integrated interface a human-mobile phone functional application program as a standard feature in the menu of the adopting banker's cellular/mobile phone SIM Cards
  • (1-3) 'Banker* means a bank or financial institution or micro-finance or any institution or business, however defined, whether licensed or otherwise operating under the banking / finance act or any institution collecting public deposits under any appropriate act of any legal jurisdiction;
  • (1-4) 'Banker's Scratch Card' means a defined legal instrument established by the adopting banker, as a data input facility; of defined definite and unequivocal electronic currency credit value / (e-money), bearing the adopting banker's series of different input data validation checks, that allows a customer to credit purchased prepaid credit of defined definite and unequivocal electronic currency; equivalent to the amount indicate on the face of the adopting banker's legal currency (e-money), into his/her bank account, using his / her mobile phone from remote location, through the established modern Information and Communication Technologies (ICT);
  • ICT Information and Communication Technologies
  • (1-5) 'Commission' means remuneration in any manner, made by the adopting banker, to the adopting banker's independent agents and vendors for the distribution and/or sale of the adopting banker prepaid credit banking- ('the Bankers Scratch Cards') and/or the banker's SIM Cards, whether based on quantity or sale margin or sale volume levels;
  • (1-6) 'Existing Customers' means customers who already have an existing relationship with the adopting banker and operating authorized active customer bank accounts with the adopting banker; (1-7) 'Independent Agent(s)' will include the multiple appointed qualified agents, commissioned by the adopting banker, to distribute and/or to sell the Adopting Banker Prepaid Credit banking (the Banker's Scratch Cards) and/or the banker's SIM cards at a commission under an appropriate accord however defined;
  • 'Money 1 includes a cheque, bank note, bank draft, money order or postal draft or postal money order, or sum received through the bank giro system or through the banking swift global transfer system;
  • (1-9) 'Recognition' means to capture, record and depict of customer detailed information and details of any transaction made in words and monetary amounts and the inclusion of the information and amounts in the customer account statement totals and in the banker's system, records and accounts;
  • (1-10) 'SMS Electronic Value' means the e-value of the face value of the adopting banker's scratch card or as indicated by the adopting banker data input record or the value as confirmed by the adopting banker's main computer system.
  • THIS INVENTION 'Prepaid Credit Banking', is an innovative mobile-banking system.
  • the invention provides the adopting banker a structured system for the collection of public deposits.
  • the currently Mobile-Banking-System employed by convention banks employs the mobile/cellular phone as a means to provides customers with banking services such as: Bank Account Balance Enquiry, " Funds Transfer, Mobile Phone Air-Time Credit Top-Up, Bill Payments, E-Cash and Service Requests such as Mini-Statement, Cheque Book request, Stop Cheque, PIN Change or Language Change.
  • banking services such as: Bank Account Balance Enquiry, " Funds Transfer, Mobile Phone Air-Time Credit Top-Up, Bill Payments, E-Cash and Service Requests such as Mini-Statement, Cheque Book request, Stop Cheque, PIN Change or Language Change.
  • the invention 'Prepaid Credit Banking' system seeks to provide the adopted banker a structured system and mechanism to facilitate collection of public deposits/banking through the selling to existing customers prepaid-credit-banking through the means of the Adopted Banker's Prepaid-Money-Credit-Banking lnstrument(s)/ 'Bankers Scratch Cards'.
  • the invention 'Prepaid Credit Banking 1 system, employs the adopted banker's designated agent(s) and the multiple-independent vendors to distribute and sell to the existing customer the Adopted Banker's Prepaid-Money-Credit-Banking Inst rum ent(s)- through the means herein referred to as the 'Banker's Scratch Cards' as means and mechanism for collecting public deposits/banking.
  • the invention 'Prepaid Credit Banking 1 system, provides a mechanism by which the banker may allow the existing customers to employ their cellular/mobile- phones as mechanisms to relay and to communicate to the adopted banker's computer system, the purchase of prepaid-credit-banking/ 'Banker's Scratch Cards' through sending the instructions therein through the adopted bankers private or virtual private geographical satellite telecommunication system and to enable the banker to allot 'prepaid credit banking' to the appropriate customers accounts in the banker's systems, records and accounts.
  • the invention seeks to provide the adopted banker a system through which It may enable and allow it's existing customers to employ their cellular/mobile-phones as devices and as means by which to relay and to communicate to the banker's computer system both financial and non- financial information and to make, effect and affect financial instructions in their money deposit transactions and savings accounts from remote locations, within the reach of the Adopted Banker private/or virtual private satellite-based Telecommunication Network and infrastructure;
  • the invention 'Prepaid Credit Banking' also seeks to provide the adopted banker a mechanism by which the banker may enable and allow prospective customers to use their cellular/mobile-phones as devices and as means for establishing new banking relationships with the adopting banker from remote locations, within the reach of the Adopted Banker private/or virtual private satellite-based Telecommunication Network and infrastructure.
  • the invention 'Prepaid Credit Banking' system; besides a competent qualified team of experts, will comprise of:
  • Retail Chain Distribution System designated to distribute and/or to sell either the Adopted Banker's Prepaid-Credit- banking-'Banker's Scratch Cards' and/or the adopted banker's cellular/mobile phone GSM-SIM Cards at a commission;
  • Adopted Banker's Multiple Independent Vendors with/without retail distribution systems, who distribute and sell to the Adopted Banker's existing customers the Adopted Banker's Prepaid-Money-Credit- Banking 'Banker's Scratch Cards' and/ or the Adopted Banker's SIM Cards at a commission;
  • a Strategic Financing Stream The innovation is characterized in that it creates, establishes and assists in the adoption and development of a new perpetual 'Prepaid-Credit-Banking' system within the banking industry by which the adopting banker may receive the customer's prepaid-credit-banking, through the sale of 'Banker's Scratch Cards', in advance before the - willing existing banker's customers makes decision to make banking.
  • the invention prepaid credit banking, is characterized in that it creates, establishes and provides the adopting banker with a 'Prepaid-Credit- Banking' system, process, methodology, and design framework: by which the adopted banker: (1) May allow existing customers to purchase prepaid-credit-banking; (2) May allow existing customers to use mobile phones to communicate to the bankers computer system, N through their mobile phones, the purchase of prepaid-credit-banking; (3) allow the registered existing customers to access, make, affect and effect valid financial transactions any time and; (4) may allow prospective customers to: establish new relationships with the banker, communicate with the bankers system and accurately help the banker to capture and to record detailed customer information, confirm the registration of new and active customers accounts;
  • the innovation is characterized in that it create, establishes and causes the adopting banker to make, invest and implement a private or virtual private banking-telecommunication infrastructure with technical features that ensure and assure effective 'Prepaid-Credit-Banking 1 system-data, records and accounts information-security-risk management, appropriate protection of customer deposits, reduction of external control and influence and effective management of the banker's operational cost
  • Adopting banker a 'Banker's Scratch Card-distribution system' The innovation is characterized in that it create, establishes and implements a 'Prepaid-Credit-Banking'-'Banker's Scratch Card- distribution system' and employs the distribution system: (1) as a means by which the banker collects and receives- existing customer's banking /'Prepaid-Credit-Banking money in advance, (2) designates agent(s) and vendor(s) to distribute and/or to sell either the Adopted Banker's Prepaid-Credit-banking-'Banker's Scratch Cards' and/or the adopted banker's cellular/mobile phone GSM-SIM Cards at a commission;
  • the innovation is characterized in that it creates, establishes within the Adopting Banker's main computer system, an Integrated and Interactive Computer Application program(s) with technical capabilities that implements 'Prepaid-Credit-Banking' system:
  • the banker may enable and allow the adopted banker's computer system with technical system features that enable the assignment of new customer accounts for the prospective customers holding mobile phones fitted with the banker's GSWI-SIM Cards at remote locations accessible through the banker's cellular/mobile-phone telecommunication infrastructure and network; (4) by which the banker may allow, make, and enable the opening of new customer accounts for the prospective customer from remote locations accessible through the banker's cellular/mobile- phone telecommunication infrastructure and network;
  • the banker's computer system may confirm relevant active new customers bank accounts to prospective customers at remote locations accessible through the banker's cellular/mobile-phone telecommunication infrastructure and network;
  • the innovation is characterized in that it creates, establishes, develops and implements within the banking industry the Adopting Banker's cellular/mobile-phones GSM-SlM Cards with the following technical features and capabilities that facilitates 'Prepaid-Credit-Banking' system:
  • the banker may allow existing customers to employ in their cellular/mobile-phones and by using the GSM-SIM Card information and the interactive human-cellular-phone application program/interface contained therein, as devices and means of accessing, affecting and effecting growth of credit banking deposits in their customers accounts using their cellular/mobile phones from remote locations accessible to the bankers telecommunication infrastructure and network;
  • the banker may allow the existing customers to use in their mobile phones to communicate both financial and non- financial information and to make, affect and affect financial transactions in their customers bank accounts within the banker's computer system;
  • the innovation is characterized in that it creates, establishes, develops and implements within the banking industry, the Adopting Banker's cellular/mobile phones GSM SIM Cards with technical features and capabilities to facilitate 'Prepaid-Credit-Banking' system and to facilitate the establishment of New Banking Relationships.
  • the adopted banker the adopting banker's cellular/mobile phones GSM SIM Cards with technical features and capabilities to facilitate 'Prepaid-Credit-Banking' system and to facilitate the establishment of New Banking Relationships.
  • (1) may allow prospective customers to use their Cellular/mobile- phones and the established banker's GSM-SIM Cards as effective means of establishing- New banking relationships;
  • (2) may allow and enable prospective customers to request registration for new bank accounts from remote locations within the banker's private or virtual private cellular/mobile- phone telecommunication reach ;
  • (3) may facilitate the capture and recording of appropriate prospective customer information into the bankers systems, records and accounts;
  • (4) may allow and enable prospective customers to register for new customer accounts from remote locations;
  • the innovation is characterized in that it creates, establishes, develops and implements within the banking industry and within the adopting banker's cellular/mobile phones SIM Cards-the adopting banker human-mobile phone integrated interface /or a human-mobile phone functional application program with technical features and capabilities to facilitate 'Prepaid-Credit-Banking' system-
  • the adopted banker may allow the existing customer's to use their cellular/mobile-phones and to appropriately capture the purchased prepaid-credit-banking system instruction/'Banker's Scratch Cards' information and to effectively communicate the purchase to the banker's computer system using the established banker's private or virtual private telecommunication infrastructure and network; (3) May allow existing customers to use their mobile phones to access, communicate, make, effect and affect financial instructions in their bank accounts from remote locations accessible to the bankers systems;
  • (5) may allow the existing customers to effectively capture of the purchased banker's scratch cards and the relevant information contained therein to relay and to communicate the information to the bankers computer systems and to assist in the allocation of prepaid-credit-banking to the appropriate existing customers accounts in the adopted banker's systems, records and accounts;
  • ( ⁇ ) May allow the use of Banker's Scratch Cards information, including the SIM Card information relayed through the customer's cellular/mobile phones as effective means or mechanism or facility of recognition and allocation of prepaid credit to appropriate existing customer account(s) in the bankers system, records and accounts;
  • the innovation is characterized in that it creates, establishes and implements a mechanism, facility/legal instrument or a data input document, defined herein as the 'Banker's Scratch Card", characterized by the following features to enable facilitate 'Prepaid-Credit-Banking' system;
  • the objectives are meant to assist the adopting bankers: increase banking business, Increase profitability through transactions volumes; business market expansion and to achieve strategic commercial advantage.
  • the Adopted Banker receives and recognizes the prepaid credit money deposit, paid for the designated-coded adopted bankers scratch cards, paid-in by the independent designated agent for the same received from the distribution system/independent agents and vendors, in a suspense credit account in the adopting bankers records and accounts
  • the existing customer operating an active customer bank account may be allowed to purchase legal credit ('Bankers Scratch Cards') and to access, make, effect and affect a credit entry into his bank customer account as evidence of purchase of the bankers scratch cards/ (e-value) indicated on the face of legal instrument of the adopting bankers scratch card, using the implemented system and designed framework.
  • legal credit 'Bankers Scratch Cards'
  • e-value e-value
  • the money will then be recognized and allocated appropriately to the customers accounts by the interactive and integrated automated operational computer program in the main computer system, upon receipt, of appropriate instructions of e-money transfer using data and messaging functions or Short Message Service 'SMS' capabilities of the mobile phone technologies.
  • the adopting banker has to: duly plan, design, develop, test and implement a suitable framework to ensure and assure the integrity of accounting data and accounting records that he maintains: Implement a relevant and an appropriate control systems, which may include data encryption device(s) to ensure and assure system relevance and reliability and to secure the integrity of information maintained; Draft appropriate terms and conditions to govern and regulate the new system; Outsourcing the sales function to bankers authorized agents or to independent outlets authorized to sell the prepaid credit to the multiple independent vendors for onward sale to the adopting bankers customers; enter into appropriate agency relationships with qualified multiple independent agents and outlets to conduct such duties, as- shall -b,e specified in the bankers agency accord(s); Commission for the Printing of the Bankers-Scratch-Cards of assigned electronic value to appropriate security printing firms; Sell and make available the prepaid credit (e.g. bankers scratch cards) under the specified bankers terms and conditions to the multiple appointed agents, the authorized outlets and the independent vendors for onward sell to the adopting bankers customers; Keep and maintain an accurate record of all accounts and transaction as
  • the data input instrument/ documents (the Bankers Scratch Cards) will each bear the adopting banker's series of different data input validation checks to allow only a bona fide existing customer to credit value into his/her bank account using his / her mobile phone through the modern Information and Communication Technologies (ICT)as established by the banker;
  • ICT Information and Communication Technologies
  • the adopting banker's computer system will contain suitable and appropriate access controls, which may include encryption devices, input data validation controls, process control, data storage and data output controls.
  • customers validation checks may include system-customer-phone- number confirmation to assure, ensure and enable customers in remote locations to communicate, access, make, affect and effect transactions through their mobile phones; (3)
  • OPC operating processing center
  • the adopting banker should effectively: employ his operating processing center (OPC) resources to guards against legal, operational, financial and reputation risk; including regulatory KNOW YOUR CUSTOMER-KYC requirements. He must duly undertake physical customer screening conducted by authorized banks staff when customers make presentments for cash withdrawals to ensure compliance with the established legal and regulatory framework and to effectively guard customer deposits.
  • OPC operating processing center
  • the innovation creates, establishes and implements a customer-mobile phone integrated interface, or human-cellular/mobile-phone built-in application program contained in the adopting bankers GSM-SIM Cards with the banker's integrated computer system and application program*(s) adopted in the banker main frame computer, by which the adopted banker may provide for:
  • the customer may be enabled and allowed to establish connection and to follow the adopting banker's prescribed steps to undertake the operation: e.g.
  • the existing customers may be able to credit MONEY in his bank account and to receive the adopting banker confirmation of credit allotted from the prepaid credit in the adopted banker's suspense account(s) and any other information.
  • the prospective customer may be enabled, allowed and required to establish connections and to follow the adopting banker's systems requirements and as guided by his instructions to enable him to establish new banking relationship.
  • the model bears new distinct features new to the banking industry and extensively employs emerging new technologies and design concepts new to the banking industry.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La principale utilisation de l'invention est de permettre au banquier l'adoptant de développer des « affaires bancaires » et porte sur un système bancaire qui crée un nouveau courant de financement stratégique par l'emploi des « cartes à gratter de banquier » en tant que moyen pour collecter des dépôts publics; et établit un mécanisme permettant à des clients existants d'effectuer des « dépôts bancaires » à l'aide de leurs téléphones cellulaires/mobiles; crée et établit un mécanisme pour permettre au banquier l'adoptant d'établir de nouvelles relations bancaires avec des clients potentiels à l'aide de leurs téléphones cellulaires/mobiles; utilise les téléphones cellulaires/mobiles en tant que partie du mécanisme pour faciliter l'attribution de dépôts publics/opérations de banque collectés, aux comptes bancaires de clients appropriés; emploie un ou plusieurs agents indépendants et vendeurs pour fournir, distribuer et vendre aux clients existants du banquier : (I) les « cartes à gratter de banquier » de crédit du banquier adoptées et/ou (II) les cartes GSM-SIM de téléphone cellulaire/mobile du banquier.
PCT/KE2009/000020 2008-09-17 2009-09-04 Système de banque de crédit prépayé WO2010032887A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KE79408 2008-09-17
KEKE/P/2008/000794 2008-09-17

Publications (1)

Publication Number Publication Date
WO2010032887A1 true WO2010032887A1 (fr) 2010-03-25

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KE2009/000020 WO2010032887A1 (fr) 2008-09-17 2009-09-04 Système de banque de crédit prépayé

Country Status (1)

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WO (1) WO2010032887A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9218704B2 (en) 2011-11-01 2015-12-22 Pepsico, Inc. Dispensing system and user interface
US9721060B2 (en) 2011-04-22 2017-08-01 Pepsico, Inc. Beverage dispensing system with social media capabilities

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040088250A1 (en) * 2002-10-31 2004-05-06 Bartter William Dale Subscriber account replenishment in a netework-based electronic commerce system incorporating prepaid service offerings
US20070203835A1 (en) * 2006-02-27 2007-08-30 Yigang Cai Automated teller service using wireless telephony
WO2009113991A1 (fr) * 2008-03-10 2009-09-17 Mobank Solutions, Llc Systèmes et procédés pour un dispositif mobile et dépôt, retrait et transfert d’argent à base de code

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040088250A1 (en) * 2002-10-31 2004-05-06 Bartter William Dale Subscriber account replenishment in a netework-based electronic commerce system incorporating prepaid service offerings
US20070203835A1 (en) * 2006-02-27 2007-08-30 Yigang Cai Automated teller service using wireless telephony
WO2009113991A1 (fr) * 2008-03-10 2009-09-17 Mobank Solutions, Llc Systèmes et procédés pour un dispositif mobile et dépôt, retrait et transfert d’argent à base de code

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9721060B2 (en) 2011-04-22 2017-08-01 Pepsico, Inc. Beverage dispensing system with social media capabilities
US9218704B2 (en) 2011-11-01 2015-12-22 Pepsico, Inc. Dispensing system and user interface
US10005657B2 (en) 2011-11-01 2018-06-26 Pepsico, Inc. Dispensing system and user interface
US10435285B2 (en) 2011-11-01 2019-10-08 Pepsico, Inc. Dispensing system and user interface
US10934149B2 (en) 2011-11-01 2021-03-02 Pepsico, Inc. Dispensing system and user interface

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