WO2015041558A1 - Method for mutual crediting of users of communications services - Google Patents
Method for mutual crediting of users of communications services Download PDFInfo
- Publication number
- WO2015041558A1 WO2015041558A1 PCT/RU2013/000805 RU2013000805W WO2015041558A1 WO 2015041558 A1 WO2015041558 A1 WO 2015041558A1 RU 2013000805 W RU2013000805 W RU 2013000805W WO 2015041558 A1 WO2015041558 A1 WO 2015041558A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- loan
- users
- user
- lending
- mutual
- Prior art date
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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
Definitions
- the invention relates to the field of financial informatics, and more specifically to a method for mutual lending to users of communication services.
- the present invention may find application in the creation and
- the prototype of this system is a mobile banking system
- Repayment of loans in foreign currency is possible if the Client is a borrower (with a borrower, guarantor, pledger).
- 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 mutual lending to users of communication services.
- the user of communication services notifies the telecom operator and / or other
- the proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows not to use
- plastic card when issuing and repaying a loan and use other
- client device mobile phone, tablet
- client device mobile phone, tablet
- loan repayment efficiency provide a mutual loan and provide a loan on an auction basis.
- FIG. 1 a system for mutual lending to users of telecommunication services, shown in FIG. 1, comprising users of telecommunication services 1 and 3, their accounts 4 and 5, telecom operator 2.
- FIG. 1 in block 6, operator’s commission.
- the system works as follows - a user of communication services 1
- telecom operator 2 In order to motivate the telecom operator when performing the repayment of at least part of the loan to user 1, telecom operator 2 is charged a commission 6 for this operation.
Abstract
Description
Claims
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2013/000805 WO2015041558A1 (en) | 2013-09-17 | 2013-09-17 | Method for mutual crediting of users of communications services |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/RU2013/000805 WO2015041558A1 (en) | 2013-09-17 | 2013-09-17 | Method for mutual crediting of users of communications services |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2015041558A1 true WO2015041558A1 (en) | 2015-03-26 |
Family
ID=52689124
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/RU2013/000805 WO2015041558A1 (en) | 2013-09-17 | 2013-09-17 | Method for mutual crediting of users of communications services |
Country Status (1)
Country | Link |
---|---|
WO (1) | WO2015041558A1 (en) |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070270124A1 (en) * | 2006-05-19 | 2007-11-22 | Asiatone Llc, D/B/A Gorilla Mobile | Systems and methods for adding credit to a wireless telecommunications account |
US20080313061A1 (en) * | 2004-06-30 | 2008-12-18 | Paysetter Pte Ltd | System and Method for Facilitating Transfer of Physical Money and/or Credit |
US20120239553A1 (en) * | 2011-03-16 | 2012-09-20 | Metro Enterprises, Inc. | Method for processing and funding short-term loans to a consumer and a method for converting currency, both to a mobile credit storage facility account |
-
2013
- 2013-09-17 WO PCT/RU2013/000805 patent/WO2015041558A1/en active Application Filing
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20080313061A1 (en) * | 2004-06-30 | 2008-12-18 | Paysetter Pte Ltd | System and Method for Facilitating Transfer of Physical Money and/or Credit |
US20070270124A1 (en) * | 2006-05-19 | 2007-11-22 | Asiatone Llc, D/B/A Gorilla Mobile | Systems and methods for adding credit to a wireless telecommunications account |
US20120239553A1 (en) * | 2011-03-16 | 2012-09-20 | Metro Enterprises, Inc. | Method for processing and funding short-term loans to a consumer and a method for converting currency, both to a mobile credit storage facility account |
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