WO2012003842A1

WO2012003842A1 - Method and system for payment and processing all financial operations using wireless, landline and mobile phone credit as alternative to carrying money or credit cards

Info

Publication number: WO2012003842A1
Application number: PCT/EG2011/000015
Authority: WO
Inventors: Ashraf Abdel Salam Mohammed El Disoky
Original assignee: Ashraf Abdel Salam Mohammed El Disoky
Priority date: 2010-07-08
Filing date: 2011-07-07
Publication date: 2012-01-12

Abstract

A method and system for payment, processing all commercial and financial operations like: payment, purchasing, money transfer and bills Payment using landline, wireless and mobile phone credit and account as financial method alternative to carrying money or credit cards including also: processing all commercial operations through: internet, ATM and POS, processing and determining exchange rates for exchanging phone credit to money and vice versa, transferring and purchasing mobile phone credit by money through ATM, transferring mobile phone credit between the same or different operators in different countries.

Description

METHOD AND SYSTEM FOR PAYMENT AND PROCESSING ALL FINANCIAL OPERATIONS USING WIRELESS, LANDLINE AND MOBILE PHONE CREDIT AS ALTERNATIVE TO CARRYING

MONEY OR CREDIT CARDS Technical Field

This disclosure relates to telecommunication field, money transfer field, finance field, trading filed and commercial field.

Background Art

With the significant increase in the number of mobile phones and smart mobile phones users, due to easiness of this technology and simplicity of use in the implementation of many business and financial operations.

With the onset of Credit Cards in the last century, the world has become more interested in shifting to business processes, without the need to carry money papers. With the increasing of the need for more effective payment methods; appeared many new tools, such as Mobile Wallet

problems in using Credit Cards are: it needs a bank account, which many people don't have. Furthermore to use Credit Cards you need an ATM which not available in everyplace, high fees in certain cases, stored data in Credit Cards can be physically damaged.

problems in using Mobile Wallet are: it Need special software to load on the memory card of mobile phone, many mobile phones do not have the possibility to use memory cards, Bluetooth or infrared, require a special device which not common in the POS to complete the procurement process. The memory card can be physically damaged. Mobile phone software can be damaged at anytime, which leads to lose of all data. In many cases require bank accounts which many people don't have. Disclosure of Invention

Detailed description

Before describing various embodiments in detail, it is to be understood that this invention is not limited to the particular methodologies or protocols or devices described or process as these may vary. It is also to be understood mat the terminology used herein is for the purpose of describing particular embodiments only, and is not intended to limit the scope of the present disclosure, which will be limited only by the appended claims.

It must be noted that as used herein and in the appended claims, the singular forms "a," "an," and "the" include plural reference, unless the context clearly dictates otherwise. Thus, for example, reference to a "transaction" is a reference to one or more transactions and equivalents thereof known to those skilled in the art, and so forth. Unless defined otherwise, all technical and scientific terms used herein have the same meanings as commonly understood by one of ordinary skill in the art. Although any methods and materials similar or equivalent to those described herein can be used in the practice or testing of the present invention, the preferred methods, devices, and materials are now described.

In accordance with the method provided by the present invention, Method and system for conducting transactions and processes such as commercial, financial, procurement and payment, transfer of money using mobile phone call credit(s) can be the good alternative to carrying cash or credit cards or money, wherein the 1st party who is a buyer or payer or transferor will transfer a phone call credit(s) or balancers) to the second party who is a seller or payee or transferee in exchange with goods or service or as a donation or as any trading or financial transaction or operation. The data comprising the second party phone number, and amount of transferred phone call credit(s) and the telecommunication network service provider will debit the value of transferred phone call credit from the 1st party account and credit it to the 2nd party account. Then the seller or payee or transferee receives this phone credit on his account on a telecommunication network service provider then he can exchange this phone credit with money from a bank or service provider or money exchange office.

For Example: the 1 st party sends or transfers mobile phone credits), or mobile phone balance, or credit or balance from a separate account to the seller or transferee or payee phone, as an example is shown in the FIG.1 , a person who owns a mobile phone, phone, or iPhone ® or ® Blackberry or a Palm ® or PDA or a landline or PC connected to telecommunication network, or any communications device in which mere is balance or account or phone credit 300, and here he is the buyer 100, mis person bought a good or service from the 2nd party, here he is the seller, and wanted to pay for it through the phone call credit or balance, say the price of this good or service is 20 dollars, then the buyer will transfer phone credit or balance equal to 20 dollar from his mobile phone, to the seller mobile phone, via dialing specific number predetermined for the phone credit transfer, and follow the voice instructions 400, the voice instructions may be as; to transfer phone credit to pay a good or service price press digit 1, to money transfer press digit 2, to transfer phone credit to pay a bill press digit 3, and so on, when the person press the correspondence digit the system ask him to enter the amount of phone call credit(s) he want to transfer, say he enter 20 dollars, then the system check his balance if it's not sufficient he will get a warning, if it's sufficient the system ask him to confirm, by pressing digit 5,then ask him for payee phone number, then the system tell him the net amount including the fees, then ask him to final confirm by pressing digit 6, then conduct the operation of transferring and may be sending success SMS to him and to the payee . He may transfer also by credit transfer service 500, existing in most mobile phone networks, or by contacting customer service or contacting a specific number 600, in which the operator will reply to the call and ask him for the data as the amount of credit(s)he needs to transfer, and payee phone number, also he may transfer by Send a short message 700, SMS to a specific number with the value of phone call credit to be transferred and the transferee phone number, and by using a convenient digital communication protocol the operation conducted. And both transferee and payee receive a confirmation message, or by pressing a digit order or numeric shortcut 800, such as * # 666 * transferred phone credit value* transferee phone number*pin code# .also phone credit may be transferred via an application or software on SIM card that may require the transferee to enter the phone credit value and transferee number and pin code.

The present invention allows also performing money transfer with the same steps, wherein the transferor will transfer phone call credit that received in the transferee telecommunication account then exchange it with money.

The telecommunication account or phone call credit account may be an account on a mobile phone network service provider, or landline phone network service provider, or wireless phone network service provider.

The phone call credit may be a credit for national or international phone calls.

The present invention allows also performing financial and commercial operations using a separate account and it will be especially for these operations only and its credits used in these operations, wherein the 1st party sends credits to the 2nd party account on a telecommunication network via a convenient digital protocol, and the credits units for this account may be purchased from a service provider or a bank or money exchange office or a retail or any other entity, this account may transfer credits to phone call accounts and vice versa, as shown in FIG.2 for example: the buyer or transferor or payer 100, can buy a credit 1000, used in this account, and can be purchased from mobile phone network provider 1100, or a retail 1200, or money exchange office 1300, or a bank 1400, or any other entity 1500, this credit will added to the special account 1700, which used for transferring and paying and trading operations and may be used in purchasing operations or can be transferred to phone call account 1600, via digit order or digit shortcut 800, as he can press *#06*2*credit value to be transferred into phone call credit *# or via SMS 700, as he can send SMS to a predetermined number with the value of credit to be transferred to phone credit, or via application or software installed in SIM card 900, as this application can require entering the credit value to be transferred to phone call credit or via dialing a predetermined phone number 400, and following the voice instructions as entering the credit value to be transferred to phone credit account, and confirm by pressing digit 1 , or via calling customer service 600 and requiring the transferring or via an application on SIM card 900 or any other method.

The financial and commercial operations may include: goods or services sale(s), purchase(s), entitlement(s), introduction's payment(s), fine(s), fee(s), donation(s), taxes, grant(s), salary(s), wage(s), pension(s) salary payments,

installments, credit payments, bills.

The 1^st party and 2°" party may be: individual or trade entity or governmental organization or governmental department or nongovernmental organization or nonprofit organization or bank or retail or money Exchange Company or telecommunication service provider or mobile phone service provider or internet website or POS.

The Terminal device connected to the telecommunication network include: mobile phone or landline phone or wireless phone or pc or pc with connected to SIM card or usb modem or iPhone ® or ® Blackberry or a Palm ® or PDA or any device that can be connected to a telecommunication network.

These accounts may be postpaid or prepaid, in case of prepaid phone call credit account, it can be charged via the same prepaid phone cards, or via special cards for mis service only, or via a bank, or mobile phone networks service provider, or retail, or any other entity. For example, as shown in FIG.3 the prepaid account 1800, can be charged by prepaid cards, or special cards for this service 2000, or buying credit from retail 1200, or buying credit from special machine or device 2100, in which this machine or device have screen and keyboard and may have money slot and may be connected to mobile phone service provider via a server or computer 2200, by entering the cash money via a special slot in the device or machine then press a digit to enter the phone number of the required phone to be transferred the credit or charged 2300, the device or the machine check the entered money and connected to the mobile phone service provider via any convenient communication protocol to send the phone credit to the transferee account .this device or machine may be used also in credit transferring or paying to a certain number for example via the same steps .also you can purchase credit from ATM 2400, connected to a bank 1400, and mobile phone service provider 1100, via a server through any convenient digital protocol for example : entering the money via ATM slot then enter the number that want to be charged or transferred the credit to, ATM check the money men proceed the order to the phone network provider then credit the money value to service provider bank account, ATM also may be used in paying and credit transfer with the same steps for example.

Service provider may send a success SMS to the transferee or payee. These transactions and transfers can be conducted via the same telecommunication service provider inside the same country, or in different countries, or between different telecommunications service providers inside the same country, or in different countries

the phone call credits) can be exchanged with money via banks or money exchange company or any entity provides this service, for example: as shown in FIG 4 the transferor or buyer or payer will transfer phone credit 1600, or credit from separate account 1700, via the same telecommunication network service provider 2500, or another service provider 2600, inside he same country or in another country through the previously detailed method and the network service providers in this case connected with convenient digital protocol to exchange the phone credit and they can do a Liquidation or a balance via banks.

Applying phone credit exchange system and treated as a currency and has an exchange price nationally and internationally which may be different from time to time or place to place.

The present invention allows also to perform paying bills, as the biller may have a record(s) for subscribers) phone numbers) and when he/they pay bill(s) via transferring phone credits) or transferring separate account(s) credit(s),a software on biller computers) can identify them through his/their phone numbers then proceed and finish the bill(s) payment(s),Also the payer can inquire the bill value via the biller website or calling the biller, then send the value as a phone credits to the biller respective phone number which may be connected to a software that can determine the phone number of the client then complete the bill payment process, the bill(s) payer(s) can complete the payment via transferring phone credit(s) or transferring separate account(s) credit(s),he/they send SMS to the biller(s) respective phone number, data comprising payment operation numbers) and bill number and invoices) or bill(s) number to be confirmed from the biller(s) and finish the process of payment

bill(s) payer(s) can complete the payment via transferring phone credit(s) or transferring separate account(s) credit(s),he they call the biller(s) respective phone number and the respective employee answer the call and asking him for payment operation numbers) and bill number and invoices) or bill(s) number then confirm the payment operation.

The bills may be paid via transferring phone credits) or transferring separate account(s) credit(s), conducted through softwares) or application(s) on SIM card, and the paying process conducted via interactive process in which the software or application asks him to choose bill(s) payment service and/or choose the biller or enter the biller code number and/or his bills account number, for example, the software displays the option of paying bills, if the user chooses it Then will have another option to choose the biller or enter the biller code, for example, example he chooses gas bills or enters 002226 as gas biller code. The telecommunication network service provider computers) is/are connected to the biller computer(s) via convenient digital protocol and display the bill(s) value to die payer, for example, die value is 50$ and die software asks the user to confirm the payment via transferring phone credits) or transferring separate accounts) credit(s)„if the user choose die option of paying via transferring phone call credit, The telecommunication network service provider complete die process and debit the payer account(s) and credit the biller account(s) via connecting to biller bank account, via a convenient digital protocol.

The telecommunication service providers) may send a confirmation SMS to the payeris) and the biller(s).

The present invention allows also to perform paying bills via ATM via cash money or credit card in which the ATM is connected to the biller computer or server example: the payer enters cash money or visa card in ATM then choose the service from ATM men choose the bitter men confirm tbe paying order men the ATM debit the bills value from the credit card or debit card or the cash money and credit the value to the bitter bank account(s) and notify the bitter that the bills had been paid via convent digital protocol and notify the payer on the ATM screen that the process is succeeded. the call credit(s) or separate account credit(s) transfer can conducted via sending SMS to respective phone number and may be interactive, the reply SMS may have options for example: the 1st party want to transfer money to 2nd party then he send SMS to phone number 12227656 then the system will reply him by another SMS asking him to choose the service: press 1 to pay bills, press 2 to transfer money, press 3 to pay a good or service price, then the user choose to press digit 2,another interactive window appear on user mobile phone screen, asking him to enter the transferee mobile phone number then he enter 127676565 then interactive message ask him to enter the value of phone credits he need to transfer, he enter $20 the system check his account balance if it has sufficient amount will ask him to enter pin code, he enter the predetermined pin which is 5538 the system check the pin code, if it's correct then display a final confirmation message say :to confirm transferring $5 to

127676565 press digit 1, to cancel press digit 2, he confirm and press digit 1, the operation completed and his account will be debited and the transferee account will be credited.

The present invention allows also performing paying to a website in which the website account may be belonged to individual(s) or entity or entities. The website account may be connected to a computer (s) or server(s) the website account may be connected to telecommunication network service providers) and/or bank accounts), for example when he wants to pay $5 to the website as a price of buying software. He goes to the payment page on the website then choose a payment via transferring mobile phone credit, the website will ask him to enter his mobile phone number and amount of phone credit to be transferred and the id of the item he wants to purchase, when he fills the data, the website will send a request to the telecommunication network service providers) to debit the user phone credit by $S, The telecommunication network service providers) will send SMS to the user to confirm the process, if he confirms, the telecommunication network service providers) will send the confirmation to the website with special code and will credit the website account, and will send SMS to the user with confirmation code. The user will enter the code in the website. The software in the website will identify the payment and complete the process.

The present invention allows also performing charging mobile phone credit(s) via ATM by cash money and choosing the service fiom ATM and enters the mobile phone number to be charged and the amount of credits) to be charged and enters the cash money from cash slot The charging process can be conducted by using credit card or debit card and may be requiring pin code or information as the date of birth and/or social security number and or address. ATM sends data to

telecommunication network service providers) to complete the process(s). ATM credits the telecommunication network service providers) bank accounts), ATM may apply fees. The telecommunication network service providers) may send confirmation SMS. The present invention allows also performing the commercial and financial transaction(s) or operations) conducted via ATM, which connected with the telecommunication network service provider, by depositing cash money into the ATM, and choosing the service from ATM, and enters the mobile phone number to be charged and the amount of credit(s) to be charged and enters the cash money from cash slot The charging process can be conducted by using credit card or debit card and may be requiring pin code or information as the date of birth and/or social security number and/or address. ATM sends data to telecommunication network service provider(s) to complete the process(s). ATM credits the telecommunication network service providers) bank account(s), ATM may apply fees. The telecommunication network service provider(s) may send confirmation SMS. The present invention allows also performing transferring phone credit to ATM connected to service provider and may being SIM and having phone number then the ATM will exchange the phone credit to money and get out the money from the money slot

Example as shown in F1G.6, a person needs to exchange phone credit 1600, or separate account 1000, to money via ATM 2400, which is connected to a bank 1400, via convenient digital protocol and service provider 1100, and may be connected with SIM then ATM determines the credit and exchange to money and gets out the money from money slot

The present invention allows also to perform withdrawal cash money from ATM without using credit cards or debit cards by choosing the service fiom ATM, and ft asks him to enter the bank account number and money value and pin code, and may ask him for another security information as national number or birth date or address or national security number or any other information, and the ATM identifies the information via communicating with the bank server or computer using convenient digital protocol, and debit the value from his bank account and get out the cash money from the money slot It may determine a maximum amount per day.

The present invention allows also to perform transfer or payment via the payer bank account

in case of using the postpaid account, it may be connected with the user bank account then debit the value from his bank account, when the client needs to charge his account, he can dial predetermined number or via an application on SIM card or via SMS or calling customer service then enter his bank account number and pin code and any required security information.

The present invention allows also performing the commercial and financial transactions) or operation(s) conducted via POS. The POS may be connected to account(s) from mentioned accounts or have a special account on a telecommunication service providers). The POS may connect to bank account(s) and telecommunication service providers), Or SIM card. The buyer transfer the credit to a phone number respected to POS. and the telecommunication service provider s) credit the respective POS bank account(s).or the POS may exchange the transferred creditf s) by money later on, the telecommunication service provider(s)may send confirmation SMS to the buyer and the buyer can confirm the transaction. The POS confirms the payment and processes the receipt The processfs) may be conducted via a software or application on POS or on computer connected to it The telecommunication service providers) sends success SMS.

a special SIM may be connected to the POS and may have

application(s) or softwares) to conduct the operation(s),or may the telecommunication service providers) send SMS with special code for the POS and the transaction id comprising the amount of credit transferred then the softwares) or application(s) on POS or on connected computer, can identify the transaction, or may the

telecommunication service providers) can credit the respective POS bank account men the softwares) or application(s) on POS or on connected computer, can identify the transaction.

For example: as shown in in FIG.5 a person buy good for $5 from POS and transfer phone credit 1600, or separate account credit 1000, to POS phone number 2700, mis phone is connected to POS 2800, this POS can be connect with a bank 1400, and service provider 1100, and the telecommunication service providers) credit the respective POS bank account and complete the process.

The pin code or security number may be changeable with a predetermined manner. For example, this pin can be multiplied by 5 or add the date as an example pin is 6666 then add today date then pin will be 6666+7=6673 for the 1 st transaction on the same day and the next transaction will be 6673+7= 6680 and so on, The pin code will be changeable every transaction to providing high security.

A method and system for withdrawal cash money from ATM using bank account number and pin or security code without using any credit cards or debit cards comprising the bank client chose the service of withdrawal from ATM and enters his bank account number and enters his pin or security code and enters the amount of money to be withdrawal and ATM identify the data if his account has a sufficient amount of money the withdrawal process and the client take the cash money from ATM.

The withdrawal process not required any credit card(s) or debit card(s). The withdrawal process has daily and or monthly limit

The credit(s) transferring service can be hold when reach predetermined number of security errors.

The service can be reactivated upon the user request

The telecommunication service providers) may send a transaction detailed SMS every transaction.

The user can request the deactivation and reactivation of credit transferring service.

Maybe determining maximum daily amount(s) for transferred credit(s). Maybe determining maximum monthly amount(s) for transferred credits). The predetermining maximum amounts) for transferred credit(s) can be predetermined from user(s) side, or telecommunication service providers) side.

The predetermining maximum amount(s) for transferred credits) can be increased upon user(s) request

The transferor accounts can be associated with his bank(s) account(s).

The user may be transfer money (s) from his bank account(s) to his phone account(s).

Brief description of the drawing

FIG. 1 is a flowchart of the conducting commercial and financial transactions using phone call credit(s).

FIG.2 is a flowchart of the performing financial and commercial operations using separate account. FIG. 3: is a flowchart of the charging the different accounts with ATM and Special device. FIG.4: is a flowchart of the exchanging phone credits by money and international transactions.

FIG. 5: is a flowchart of the performing the commercial and financial transaction(s) or operation(s) conducted via POS.

FIG.6: is a flowchart of the performing the commercial and financial transaction(s) or operation(s) conducted via ATM.

Claims

1- A method and system of utilizing phone call credits) in conducting commercial and financial transaction(s) or operation(s) comprising:

1st party or parties transfer phone call credit(s) to the 2nd party or parties as a charge or price of a service(s) or good(s) via transferring phone call credits) through a device(s) connected to a telecommunication service providers) and the data comprising amount(s) of phone call credits) to be transferred, Telecommunication service provider system defines the respective telephone accounts) of the 1st party or parties and respective accounts) of second party or parties; the telecommunication service provider check telephone accounts) of the 1 st party or parties to determine if there is a sufficient amount(s) of phone call credit(s) to perform the desired transaction^); and debiting 1st party or parties account and crediting 2nd party or parties.

2- A method and system of utilizing phone call credits) in conducting Money transfer comprising:

1st party or parties transfer phone call credits) to the 2nd party or parties as a money transfer via transferring phone call credits) through a device(s) connected to a telecommunication service providers) and the data comprising amounts) of phone call credit(s) to be transferred, Telecommunication service provider system defines the respective telephone account(s) of the 1st party or parties and respective account(s) of second party or parties; the telecommunication service provider check telephone accounts) of the 1 st party or parties to determine if there is a sufficient amount(s) of phone call credits) to perform the desired transaction(s); and debiting 1st party or parties account and crediting 2nd party or parties.

3- A method and system of utilizing phone call credit(s) in conducting commercial and financial transactions) or operations) comprising:

1 st party or parties transfer phone call credit(s) to the 2nd party or parties via transferring phone call credit(s) through a device(s) connected to a telecommunication service providers) and the data comprising amounts) of phone call credit(s) to be transferred, Telecommunication service provider system defines the respective telephone accounts) of the 1st party or parties and respective account(s) of second party or parties; the telecommunication service provider check telephone accounts) of the 1 st party or parties to determine if there is a sufficient amount(s) of phone call credits) to perform the desired transactions); and debiting I st party or parties account and crediting 2nd party or parties. 4- A method in accordance with any one of the claims 1 to 3, wherein phone call credits), is are prepaid accounts).

5- A method in accordance with any one of the claims 1 to 3, wherein phone call credits), is/are postpaid account(s).

6- A method in accordance with claims 19 or 20, wherein the phone accounts) is/are local phone calls account(s). 7- A method in accordance with claims 19 or 20, wherein the phone accounts) is/are international phone calls accounts).

8- A method and system of utilizing a separate phone accounts) in conducting commercial and financial transaction(s) or operation(s) comprising:

1 st party or parties transfer separate phone account credits) to the 2nd party or parties via transferring separate phone account credits) through a device(s) connected to a telecommunication service providers) and the data comprising amounts) of separate phone account credits) to be transferred, Telecommunication service provider system defines the respective telephone account(s) of the 1 st party or parties and respective account(s) of second party or parties; the telecommunication service provider check telephone account(s) of the 1st party or parties to determine if there is a sufficient amount(s) of separate phone account credit(s) to perform the desired transaction(s); and debiting 1 st party or parties account and crediting 2nd party or parties. 9- A method in accordance with any one of the claims 1 to 8, wherein this/these account(s) is /are on a mobile phone network service provider

10- A method in accordance with any one of the claims 1 to 8, wherein mis these account(s) is /are on a landline phone network service provider.

11- A method in accordance with any one of the claims 1 to 8, wherein this these account(s) is /are on a wireless phone network service provider.

12- A method in accordance with any one of the claims 3 to 11, wherein mis these commercial or financial transaction(s) or operations) is/are purchasing or selling services) or good(s).

13- A method in accordance with any one of the claims 3 to 11 , wherein this these commercial or inancial transaction(s) or operations) is are Due(s) paying. 14- A method in accordance with claim 13, wherein this these Due(s) paying is/are; salary or salaries or wage(s) or donation(s) or taxes or fines or fee(s) or credits).

15- A method in accordance with any one of the claims 3 to 11, wherein this/these

5 commercial or financial transactions) or operation(s) is/are bill(s) paying or invoice(s) paying.

16- A method in accordance with claim 15, wherein this these bill(s) paying is are; gas bill(s or electricity bill(s), or club fees bill(s), or school bill(s), or phone bill(s) or car

10 license bill(s).

17- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is are individual.

15 18- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are trade entity or entities.

19- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are commercial entity or entities.

20

20- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are governmental organizations).

21- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or 25 parties is/are nongovernmental organization.

22- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is are nonprofit organization(s).

30 23-A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are bank(s) or currency exchange company or money transfer company or telecommunication network service providers) or mobile phone network service providers).

35 24-A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are internet website(s).

25- A method in accordance with any one of the claims 1 to 16, wherein the 1^st party or parties is/are Point Of Sale(s) POS(s).

40 26 - A method in accordance with any one of the claims 1 to 16, wherein die 2 party or parties is are individual.

27- A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or 5 parties is/are trade entity.

^28" A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or parties is/are commercial entity or entities.

10 29- A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or parties is/are governmental organization(s).

30- A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party 15 or parties is are nongovernmental organization.

31- A method in accordance with any one of the claims 1 to 16, wherein die 2^nd party or parties is/are nonprofit organization(s).

20 32-A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or parties is are bank(s) or currency exchange company or money transfer company or telecommunication network service providers) or mobile phone network service provider(s).

25 33- A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or parties is/are internet webshe(s)

34- A method in accordance with any one of the claims 1 to 16, wherein the 2^nd party or parties is/are Point Of Sale(s) POS(s).

30

35- A method in accordance with any one of the claims 1 to 34, wherein the device(s) connected to a telecommunication service providers) is/are mobile phone(s).

36- A method in accordance with any one of the claims 1 to 34, wherein the device(s) connected to a telecommunication service providers) is are landline phone(s).

35

37- A method in accordance with any one of the claims 1 to 34, wherein the device(s) connected to a telecommunication service provider(s) is are wireless phone(s).

38- A method in accordance with any one of the claims 1 to 34, wherein the device(s) 0 connected to a telecommunication service providers) is/are computer(s). 39- A method in accordance with claim 38, wherein the computers) is are connected with SIM card(s).

5 40- A method in accordance with claim 38, wherein the computers) is/are connected with phone line(s)

41- A method in accordance with claim 38 A method in accordance with claim 38the computers) is/are connected with USB modem(s).

10

42- A method in accordance with any one of the claims 1 to 34, wherein the device(s) connected to a telecommunication service providers) is are iPhone(s)® or

Blackberry® or ipad® or Palm® or Smart phone(s).

15

43- A method in accordance with claim 8,wherein separate phone account credit(s) can be transferred to phone call credit(s) and vice versa.

44- A method in accordance with claim 43, wherein transferring of separate phone 20 account credit(s) to phone call credit(s) and vice versa conducted via a services) or feature(s) from network service provider.

45- A method in accordance with any one of the claims 1 to 11, wherein the phone call credits) account, phone account(s) and separate phone accounts) to be charged via

25 prepaid card(s).

46- A method in accordance with any one of the claims 1 to 11 , wherein the phone call credits) account, phone accounts) and separate phone account(s) to be charged via special determined card(s).

30

47- A method in accordance with any one of the claims 1 to 46, wherein account(s) credit(s) transfer conducted via the same telecommunication network service providers) inside the same country.

35 48- A method in accordance with any one of the claims 1 to 46, wherein accounts) credits) transfer conducted via the same telecommunication network service provider inside different countries. 49- A method in accordance with any one of the claims 1 to 46, wherein accounts) credit(s) transfer conducted via different telecommunication network service providers) inside the same country.

5 50- A method in accordance with any one of the claims 1 to 46, wherein the accounts) credit(s) transfer conducted via different telecommunication network service providers) inside different countries.

51 - A method in accordance with any one of the claims 1 to 50, wherein the biller have 10 a record(s) for subscriber(s) phone numbers) and when he/they pay bill(s) via

transferring phone credits) or transferring separate account(s) credit(s),a software on biller computers) can identify mem through his their phone numbers then proceed and finish the bill(s) payment(s).

15 52- A method in accordance with claim 51 , wherein the biller computer(s) is/are

connected to the same phone line of bill(s) payment(s) through phone credits) transfer.

53- A method in accordance with any one of the claims 1 to 52, wherein the bill(s) payer(s) complete the payment via transferring phone credit(s) or transferring separate

20 account(s) credit(s),he they send SMS to the biller(s) respective phone number, data comprising payment operation numbers) and bill number and invoices) or bill(s) number to be confirmed from the biller(s).

54- A method in accordance with any one of the claims 1 to 52, wherein the bill(s)

25 payer(s) complete the payment via transferring phone credits) or transferring separate account(s) credit(s),he they call the biller(s) respective phone number, data comprising payment operation numbers) and bill number and invoices) or bill(s) number to be confirmed from the biller(s).

30 55- A method in accordance with any one of the claims 1 to 52, wherein the bills

paying via transferring phone credit(s) or transferring separate accounts)

credit(s),conducted through softwares) or application(s) on SIM card.

56- A method in accordance claim 55, wherein the paying process conducted via

35 interactive process.

57- A method in accordance claim 56, wherein the bill(s) payer choose bill(s) payment service and/or choose the biller or enter the biller code number and/or his bills account number, the telecommunication network service provider computers) is/are connected

40 to the biller computers) via convenient digital protocol and display the bill(s) value to the payer, the payer when chose to pay the bill(s) via transferring phone credit(s) or transferring separate accounts) credit(s),the telecommunication network service provide complete the process and debit the payer account(s) and credit the biller account(s).

5

58- A method in accordance wim any one of the claims 1 to 57, wherein the telecommunication service provider(s) computer(s) is/are connect to biller bank account via a convenient digital protocol, and credit the biller bank account after bills(s) payment(s).

10

59- A method in accordance claim 58, wherein the telecommunication service

providers) send a confirmation SMS to the payeifs).

60- A method in accordance claim 58, wherein the telecommunication service

15 provider(s) send a confirmation SMS to the biller(s).

61- A method in accordance wim any one of the claims 1 to 60, wherein the phone call credit(s) or separate account credit(s) transfer conducted via softwares) or

20 applications) on SIM.

62- A method in accordance claim 61 , wherein the data comprising the phone number of transferee and amount(s) of credit(s) to be transferred.

25 63- A memod in accordance wim any one of the claims 1 to 60, wherein the phone call credit(s) or separate account credit(s) transfer conducted via SMS.

64- A method in accordance claim 63, wherein the SMS is interactive, the reply SMS may have options.

30

65- A method in accordance with any one of the claims 1 to 60, wherein the phone call credit(s) or separate account credit(s) transfer conducted via digit order as:*55*phone number*pin#.

35 66- A method in accordance claim 65, wherein the digit order data comprising

transferee phone number and amount of credits) to be transferred.

67- A method in accordance with any one of the claims 1 to 60, wherein the phone call credit(s) or separate account credits) transfer conducted via calling customer service or

40 respective phone number. 68- A method in accordance claim 67, wherein the empIoyee(s) ask for transferee phone number and amount of credit(s) to be transferred.

5 69- A method in accordance with any one of the claims 1 to 68, wherein determining rate(s) or value(s) of exchanging die phone call credits) or separate account credits) by money.

70- A Method in accordance claim 69, wherein determining rate(s) or value(s) of

10 exchanging the phone call credit(s) or separate account credit(s) by money as:

purchasing and selling and treating the phone call credit(s) or separate account credit(s) as a currency.

71- A Method in accordance claim 70, wherein determining the respective

15 telecommunication service providerfs).

72- A Method in accordance claim 70, wherein determining the country or countries in which the respective telecommunication service providers) is belonged.

20 73- A Method in accordance claim 70, wherein determining rate(s) or value(s) of

exchanging the phone call credit(s) or separate account credits) between the same telecommunication service provider(s) in the same country, and/or between different telecommunication service providers) in the same country, and/or between different telecommunication service providers) in the different countries, and/or between the

25 same telecommunication service provider(s) in different countries.

74- A Method in accordance claim 70 or 73, wherein detennining rate(s) or value(s) of exchanging the phone call credit(s) or separate account credit(s) is are variable and/or changeable from time to time or from place to place.

30

75- A Method in accordance claim 24 or 33, wherein the website account may be belonged to individual(s) or entity or entities.

76- A Method in accordance claim 75, wherein the website account connected to a 5 computer (s)or server(s).

77- A Method in accordance claim 76, wherein the website account connected to telecommunication network service providers) and or bank account(s). 78- A Method in accordance claim 76 or 77, wherein the website send data to telecommunication network service provider(s) and/or bank account(s).

79- A Method in accordance claim 78, wherein the telecommunication network service 5 providers) send a confirmation SMS to the transferor.

80- A Method in accordance claim 77 or 78 or 79, wherein the telecommunication network service providers) credit the website respective bank account

10 81 - A Method in accordance claim 77 or 78, wherein the telecommunication network service providers) send SMS to the payer with security code to be entered in respective field in the website.

82- A method in accordance with any one of the claims 1 to 81, wherein the

15 commercial and financial transaction(s) or operations) conducted via ATM.

83- A Method in accordance claim 82, wherein charging mobile phone credit(s) via ATM.

20 84- A Method in accordance claim 82, wherein the ATM connected with the

telecommunication network service providers) .

85- A Method in accordance claim 82 or 83 or 84, wherein charging mobile phone credit(s) via ATM by cash money and choosing the service from ATM and enters the

25 mobile phone number to be charged and the amount of credit(s) to be charged and

enters the cash money from cash slot

86- A Method in accordance claim 82 or 83 or 84 wherein using credit card(s). 30 87- Method in accordance claim 82, wherein using a bank account number(s).

88- A Method in accordance claim 82 or 83 or 84 wherein using debit card(s).

89- Method in accordance claim 82, wherein using pin code.

35

90- Method in accordance claim 82, wherein using personal information as date of birth and/or social security number and/or address.

91 - Method in accordance claim 82, wherein ATM send data to telecommumcation 0 network service providers) to complete the process(s). 92- Method in accordance claim 82, wherein ATM credits the telecommunication network service providers) bank account(s).

5 93- Method in accordance claim 82, wherein ATM apply fees.

94- Method in accordance claim 82, wherein the telecommunication network service provider(s) send confirmation SMS.

10 95— Method in accordance claim 82, wherein choose the service and enters the cash money in money slot and transferee phone number and amount of credits to be transferred

96- A Method in accordance claim 25 or 34, wherein the commercial and financial 15 transactions) or operation(s) conducted via POS, the POS may be connected to

account(s) from mentioned accounts from claim 1 to claim 10 or have a special account on telecommunication service providers).

97- A Method in accordance claim 25 or 34, wherein the POS connected to SIM.

20

98- A Method in accordance claim 25 or 34, wherein the buyer transfer the credit to a phone number respected to POS.

99- A method in accordance with any one of the claims 1 to 98, wherein the POS is 25 connected to bank account(s) and telecommunication service provider(s).

100- A method in accordance with any one of the claims 1 to 99, wherein the telecommunication service providers) credit the respective POS bank account(s).

30 101- A method in accordance with any one of the claims 1 to 98, wherein the POS

exchange the transferred credit(s) by money.

102- A method in accordance with any one of the claims 1 to 99, wherein the

telecommunication service providers) send confirmation SMS.

35

103- A method in accordance with any one of the claims 1 to 98, wherein the POS confirm the payment and process the receipt

104- A method in accordance with any one of the claims 1 to 98, wherein the process(s) 0 conducted via a software or application on POS or on computer connected to it 105- A method in accordance with any one of the claims 1 to 104, wherein the POS apply fees.

5 106- A method in accordance with any one of the claims 1 to 99, wherein the

telecommunication service provider(s) send success SMS.

107- A method in accordance with any one of the claims 1 to 99, wherein there is a special SIM connected to the POS and may have application(s) or software(s) to

10 conduct the operation(s),or may the telecommunication service providers) send SMS with special code for the POS and the transaction id comprising the amount of credit transferred then the software(s) or application(s) on POS or on connected computer, can identify the transaction, or may the telecommunication service provider(s) can credit the respective POS bank account then the softwares) or applications) on POS or

15 on connected computer, can identify the transaction.

108- A method in accordance with any one of the claims 1 to 107, wherein the commercial and financial operation(s) or transaction(s) conducted by a device(s) connected to telecommunication service provider(s) via convenient digital protocol.

20

109- A method in accordance with claims 108, wherein the device(s) connected with bank account(s) via convenient digital protocol.

110- A method in accordance with claims 107 or 108, wherein the device(s) have a slot 25 for entrance of cash money and screen and keyboard.

111- A method in accordance with any one of the claims 1 to 110, wherein the commercial and financial operation(s) or transaction(s) conducted via special SIM.

30 112- A method in accordance with any one of the claims 1 to 108, wherein the

commercial and financial operations) or transactions) conducted with requiring security data as: date of birth and/or address and/or social security number and/or national number and/or associating the SIM with mobile phone IMEI.

35 113- A method in accordance with any one of the claims 1 to 112, wherein the pin code or security number may be changeable with a predetermined manner.

114- A method in accordance with any one of the claims 1 to 113, wherem the credit(s) transferring service can be hold when reach predetermined number of security errors.

40 115- A method in accordance with claims 114, wherein the service can be reactivated upon the user request

116- A method in accordance with any one of the claims 1 to 115, wherein the

5 telecommunication service providers) send a transaction detailed SMS.

117- A method in accordance with any one of the claims 1 to 116, wherein the user can request the deactivation and reactivation of credit transferring service.

10 118- A method in accordance with any one of the claims 1 to 117, wherein

predetermining maximum daily amount(s) for transferred credits).

119- A method in accordance with any one of the claims 1 to 117, wherein

predetermining maximum monthly amounts) for transferred credit(s).

15

120- A method in accordance with any one of the claims 1 to 119, wherein the predetermining maximum amount(s) for transferred credit(s) can be predetermined from user(s) side, or telecommunication service provider(s) side.

20 121- A method in accordance with any one of the claims 1 to 120, wherein the

predetermining maximum amount(s) for transferred credit(s) can be increased upon user(s) request

122- A method in accordance with any one of the claims 1 to 121 , wherein the

25 transferor accounts can be associated with his bank(s) account(s).

123- A method in accordance with any one of the claims 1 to 122, wherein the user can transferee credit(s) from his phone account(s) to his bank account(s)

30 124- A method in accordance with any one of the claims 1 to 122, wherein the user can transferee money (s) from his bank account(s) to his phone account(s).

125- A method and system for withdrawal cash money from ATM using bank account number and pin or security code without using any credit cards or debit cards

35 comprising the bank client chose the service of withdrawal from ATM and enters his bank account number and enter his pin or security code and enters the amount of money to be withdrawal and ATM identify the data if his account have sufficient amount of money the withdrawal process and the client take the cash money from ATM. 126- A method in accordance with claims 125, wherein the commercial withdrawal process conducted with requiring security data as: date of birth and/or address and/or social security number and/or national number.

5 127- A method in accordance with claims 125, wherein the withdrawal process not required any credit card(s) or debit card(s).

128- A method in accordance with claims 125, wherein the withdrawal process have daily and/or monthly limit