WO2014200381A1 - Procédé de retour de crédit pour un utilisateur de service de communication - Google Patents

Procédé de retour de crédit pour un utilisateur de service de communication Download PDF

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Publication number
WO2014200381A1
WO2014200381A1 PCT/RU2013/000478 RU2013000478W WO2014200381A1 WO 2014200381 A1 WO2014200381 A1 WO 2014200381A1 RU 2013000478 W RU2013000478 W RU 2013000478W WO 2014200381 A1 WO2014200381 A1 WO 2014200381A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
loan
amount
services
repaying
Prior art date
Application number
PCT/RU2013/000478
Other languages
English (en)
Russian (ru)
Inventor
Андрей Юрьевич ЩЕРБАКОВ
Олег Олегович ТИХОНЕНКО
Original Assignee
Sherbakov Andrei Yuryevich
Tikhonenko Oleg Olegovich
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 Sherbakov Andrei Yuryevich, Tikhonenko Oleg Olegovich filed Critical Sherbakov Andrei Yuryevich
Priority to PCT/RU2013/000478 priority Critical patent/WO2014200381A1/fr
Publication of WO2014200381A1 publication Critical patent/WO2014200381A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • 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

Definitions

  • the invention relates to the field of financial informatics, and more
  • the present invention may find application in the creation and
  • the prototype of this system is a mobile banking system
  • KREDIT 1234 may be indicated - the last 4 digits of your payment card number (for example, 1234), necessary for sending in requests. They are indicated only if you have several payment cards registered.
  • the borrower must have a plastic card.
  • the basis of the present invention is the creation of a method of obtaining cash and issuing loans using
  • a client s mobile device that would allow receiving cash without a plastic card.
  • the credit provided to the user by the lender and / or financial institution in agreement with the telecom operator and / or user of the telecom operator’s services communicates with the user’s number in the communication network and payments for repayment a loan, optionally including interest on a loan, is made by sending messages to a predefined number of messages in a standard format, after which the service provider serving the user having a user’s number in the communication network communicated with credit, having received the specified message, deducts from the user’s balance the amount including at least the amount of payment for repaying the loan and transfers the amount indicated in the message or a predetermined payment to the creditor or financial institution.
  • the amount of the user’s account for using communication services include the percentage of the operator for the transfer of the payment amount to repay the loan and when the creditor transfers the payment amount for the loan repayment, the operator will charge a percentage for the transfer.
  • the communication device is a mobile phone, smartphone, tablet computer.
  • the proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows not to use
  • plastic card when repaying the loan and use other payment instruments, except plastic cards, namely the client’s mobile device (mobile phone, tablet), as well as increase the efficiency of loan repayment and the convenience of repaying the loan for the borrower - the user of communication services can make loan payments at any time and from any place where communication is available.
  • the present invention will be disclosed in the following description of a system for repaying a loan provided to a user of a telecom operator services, shown in FIG. 1, containing a user of the services of a telecom operator 3, a loan provided to the user by the lender and / or financial institution 1, which issued the loan in agreement with the communication operator 2 informed with the user number in the communication network 4, a message for repaying the loan (arrow 5), while the network operator, having received message 5, transfers the payment amount (arrow 7) to lender or financial address
  • figure 1 in block 6 takes into account the commission of the telecom operator.
  • the system works as follows - the loan provided to user 3 by the lender and / or financial institution 1 by agreement with the telecom operator 2 and / or the user of the services of the telecom operator reports with user number 4 in the communication network and payments for repaying the loan,
  • the proposed method and the system that implements it, described above, solve the objectives of the invention formulated above, is characterized by fundamental novelty and allows not to use a plastic card when repaying a loan and to use other payment instruments, except plastic cards, namely, a client’s mobile device (mobile phone, tablet) , as well as increase the efficiency and convenience of repaying a loan.

Landscapes

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

Abstract

L'invention se rapporte au domaine de l'informatique financière et concerne plus précisément un procédé de retour de crédit pour un utilisateur de service de communication. L'invention peut être utilisée dans la création et l'exploitation de systèmes assurant l'octroi de crédit et l'exécution d'opérations financières à l'aide de moyens monétaires immatériels, y compris sans utiliser de cartes plastiques standard. Le procédé de la présente invention se caractérise par sa nouveauté principale en ce qu'il permet de ne pas utiliser de carte plastique lors d'un retour de crédit et d'utiliser d'autres instruments de paiement, outre les cartes plastiques, notamment un dispositif mobile de client (téléphone mobile, tablette) et d'améliorer la fonctionnalité et la commodité de retour de crédit.
PCT/RU2013/000478 2013-06-10 2013-06-10 Procédé de retour de crédit pour un utilisateur de service de communication WO2014200381A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000478 WO2014200381A1 (fr) 2013-06-10 2013-06-10 Procédé de retour de crédit pour un utilisateur de service de communication

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/RU2013/000478 WO2014200381A1 (fr) 2013-06-10 2013-06-10 Procédé de retour de crédit pour un utilisateur de service de communication

Publications (1)

Publication Number Publication Date
WO2014200381A1 true WO2014200381A1 (fr) 2014-12-18

Family

ID=52022541

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2013/000478 WO2014200381A1 (fr) 2013-06-10 2013-06-10 Procédé de retour de crédit pour un utilisateur de service de communication

Country Status (1)

Country Link
WO (1) WO2014200381A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
EP1980986A2 (fr) * 2006-07-06 2008-10-15 Firethorn Holdings, LLC Procédé et systèmes pour gérer les sources de paiement dans un environnement mobile
US20080288351A1 (en) * 2001-12-04 2008-11-20 Conceptm Company Limited System and Method for Facilitating Electronic Financial Transactions Using a Mobile Telecommunication Device

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2117328C1 (ru) * 1998-02-12 1998-08-10 Акционерное общество закрытого типа "Степ Ап" Способ дистанционного финансового обслуживания клиента банка "телебанк"
US20080288351A1 (en) * 2001-12-04 2008-11-20 Conceptm Company Limited System and Method for Facilitating Electronic Financial Transactions Using a Mobile Telecommunication Device
EP1980986A2 (fr) * 2006-07-06 2008-10-15 Firethorn Holdings, LLC Procédé et systèmes pour gérer les sources de paiement dans un environnement mobile

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