WO2019139555A1

WO2019139555A1 - Credit card sharing system

Info

Publication number: WO2019139555A1
Application number: PCT/TR2019/050025
Authority: WO
Inventors: Fatih TOSMUR
Original assignee: Lydians Elektronik Para Ve Odeme Hizmetleri Anonim Sirketi
Priority date: 2018-01-12
Filing date: 2019-01-10
Publication date: 2019-07-18
Also published as: TR201800435A2

Abstract

The invention subject matter of the application is related to at least one credit card sharing system that enables the end user to make payment on behalf of users added to the application through the user adding module just by using a mobile or similar device without carrying a physical credit card; that enables these users to define a temporary limit on at least one credit card which is defined into the system and which is owned by the user; and that enables the defined temporary limit to be spent at member shops by the member users of which this temporary limit is defined.

Description

CREDI T CARD SHARI NG SYSTEM

Technical Field of the I nvention

Background of the I nvention (Prior Art)

I n the known state of the art, there are systems that enable making payments without requiring use of physical cards by registering the credit cards in applications used in mobile devices. However, the basic logic behind these systems is that they facilitate the credit card user to make payment without using the physical credit card.

Besides, during payments in sad systems, the device running the application where the credit card is registered must be used with the payment device at the business where transaction takes place. I n order to perform the payment procedure, two devices must see each other by using NFC (Near Field Communication) protocol. The payment can only be made by being approved after this stage.

I n these systems, it is not possible for a credit card owner to authorize other users to use the credit card limit via the same application or similarly it is not possible for other users to use other people’s credit cards for their payments.

Brief Description and Objects of the I nvention

I n the present invention, for spending in member businesses over his/her credit card, a user having a credit card can define a temporary expense limit to at least one user among the users who use the same application and who have been added to the application through the member addition module or in response to a request from one of the users who was added to the application via member addition module, he can directly make a payment to a member business on behalf of that user.

I n development of the credit card sharing system of the invention, it is aimed that;

• A user having a credit card can define a temporary expense limit from at least one of his credit cards to another user who does or does not own a credit card but uses the same application and who has been added to the application via member addition module,

• A user having a credit card can make a payment to member businesses on behalf of another user who does or does not own a credit card but uses the same application and who has been added to the application via member addition module,

• A user having a credit card can request a temporary limit to spend in member businesses from another user who owns a credit card, uses the same application and added to the application via member addition module,

• A user having a credit card can request from another user who owns a credit card, uses the same application and added to the application via member addition module to make a payment to a member business on behalf of him ,

• These transactions can be performed mutually between all users who use the application and who added each other to the application via member addition module,

• A user who does or does not own a credit card can make a payment to a member business via the system without using a physical credit card with at least one card with a temporary limit defined for him by another user added to the application via the member addition module.

Brief Description of the Figures

The figures and descriptions related to these figures used for providing a better understanding of the credit card sharing system developed by this invention are given below.

Figure 1 iSchematic view related to application functions of the fully authorized user. Figure 2 :Schematic view related to completion of application functions by the user having the card with temporary limit.

Figure 3 : Schematic view related to completion of application functions by the free user. Figure 4 : Flow chart related to an application of the system .

Figure 5 : Flow chart related to another application of the system.

Detailed Description of the I nvention

I n its basic form, the credit card sharing system of the invention comprises at least one server and at least one mobile application.

I n order for the system to be activated, the mobile application needs to be installed to a mobile or similar device which may belong to any user and user record needs to be createdin the server. Together with this, in an embodiment of the invention at least a member workplace and at least a bank and/or at least a credit agency must be included in the system for the usage of system functions. I n another embodiment of the invention, the system functions may be operational without the need to include any kind of credit agency or bank to the system.

Following the recording of these aspects into the system, the system is operated and the operation and usage of the system is carried out by 6 basic process modules.

A. User Registration Module:

The user registration module basically enables the registration of the end user who is going to be using the system , to the system .

The below mentioned process steps are carried out for a member to become a user by completing the registration module functions of the end user.

· I nstalling a mobile application belonging to the system subject to the invention into a mobile or a similar device. The mobile application mentioned here, could be a version that is suitable for any kind of mobile processing system , but it could also have a structure that can be installed to any kind of mobile or other similar device which uses the related processing system. • Creating a member user registration in the system by using the directives provided to the user by the mobile application that has been downloaded into a mobile or other similar device.

• Confirming the information entered via a verification method used by the system and completing the member user record. The verification method provided by the system that is mentioned here, can be any one of the verification methods used in the known state of the art such as verification by sms, verification by e-mail etc.

The member user registrations that have been entered into the system are grouped under 3 basic user types:

1 . Free User: This is a user who is registered as a user into the system , but for which a credit card has not been identified and who can use the functions of the system in a limited way, and who can only request a“temporary limit” or“payment” from other member users that have identified at least a credit card into the system and which are registered members to the system and who have been added to the application via only the member addition module. The schematic view showing the completion of the system functions of the free user has been illustrated in Figure 3.

2. Temporary Limit User: The temporary limit used, is a user to whom a“temporary limit credit card” has been identified by one or more member users, who is included into the system via the member addition module, and who can be observed to be registered into the system, having at least one credit card. This type of user has limited rights to use the system functions and he/ she can only request“payment” or “temporary limit” from other member users that have at least a credit card and who are observed to be registered to the system or added to the application via a member addition module and can transfer payment to member businesses using the “temporary limit credit card” that has been assigned for him/her. The schematic view showing the completion of the system functions of the temporary limit user has been illustrated in Figure 2.

3. Fully Authorized User: The fully authorized user is a user who has been registered to the system as a member user, who is a part of the system , who has added at least another user to the system and who has identified at least a credit card to the system. This type of user can use all of the system functions, can carry out payments for member workplaces with his/her credit card, can make payments to member workplaces on behalf of other member users who he/she has added by means of his/her own credit card via the member addition module, can transfer temporary limits to these users from his/her own credit card and may request payments to be carried out from these users to member workplaces and/or can request temporary limit for himself/herself . The schematic view showing the completion of the system functions of the fully authorized user has been illustrated in Figure 1 .

The fully authorized user can not only transfer temporary limit, but can also carry out temporary limit transfers at certain periods of time regularly.

The user registration module cannot be used to record member workplaces directly to the system .

I n order for a member workplace to be registered to the system the related company must first of all make a written registration request application to the system .

After the registration request is received by the system , it shall be evaluated in terms of suitability according to certain criteria, and after it is confirmed, a member workplace code is assigned for the related workplace and the related workplace shall be registered to the system with a member workplace status.

The member workplace code that is pre-defined by the system has at least 8 digits, and it may comprise the license plate code, the post code, the phone code of the city where the member workplace is located, the identification number assigned by the system for the member workplace and/or the branch identification code that is assigned again by the system for each branch if the member workplace has more than one branch, and it may also comprise a specific identification code that may be created by a pre-determined algorithm that is used by the system .

B. Member User Addition Module:

The member user addition module basically enables the addition of, other member users that the member users who would like to use the system together with to the application that has been downloaded to a mobile or other similar device.

The completion of the member user addition module functions shall be carried out by means of the below mentioned steps.

• Addition of one or more member users to the application in mobile or similar device who has already been registered to the system via the user registration module, by the member user who has been registered to the system again via the user registration module. The addition process herein, can be carried out via the directory registration of a mobile or similar device, via social media applications, other mobile applications or manually.

• Confirming the member user addition process via a verification method used by the system, by the member user that is desired to be added to the system and completing the member user addition process. The verification method used herein, by the system may be any of the verification methods that are used in the known art such as sms verification, e-mail verification etc and it may also be a verification method that shall be carried out over the system application as the system application shall be downloaded in the devices of both member users.

C. Credit Card I dentification Module:

The credit card identification module basically enables the addition of at least a credit card that is desired to be used by the member user who is going to use the system , into the application of a mobile or other similar device.

The completion of the credit card identification module functions are provided by means of process steps that have been mentioned below.

• Defining one or more credit cards to the system which belongs only to him/her by entering the credit card information into the related fields on the mobile application by the user who has been registered as a member user to the system via the user registration module.

• Confirming the credit card identification process via the verification method used by the system and completing the process. The verification method used by the system here, can be any one of the verification methods used in the known state of the art such as verification by sms, verification by e-mail etc.

The usage of the credit card identification module is optional and it is possible for the member user to use the system without identifying a credit card.

The registered credit card information is protected by means of encoding with at least 128 bits encoding by means of the PCI DSS ( Payment Card I ndustry Data Security Standard) standard or any other version thereof by the system according to an embodiment of the invention and is stored in the system in this manner.

I n another embodiment of the invention the credit card information that has been identified, is stored in the memory of a mobile or other similar device into which the mobile application is downloaded and/or in the database of a credit agency and/or bank.

D. Temporary Limit Request and Temporary Limit Transfer Module:

The temporary limit request and the temporary limit transfer module basically enables all member user types that shall be using the system to request a temporary limit from at least one of the member users that are credit card owners who have been observed to be registered to the system and who have been added to the application via the member addition module and if this request is confirmed, the module enables the identification of a credit card that is temporary and limited to the new member for which the request is carried out, from the user member.

The completion of the temporary limit request and temporary limit submission module functions by identifying them to a temporary limit credit card is carried out by means of the process steps that have been mentioned below.

• At least for one of the member users that own at least a credit card, who has been observed to be registered to the system and who has been added to the system via the member addition module by the member user to request a temporary limit.

• Submission of the temporary limit request to the member for whom the request was made by the system .

• Selection and confirmation of at least one of the credit cards that are registered to his/her own application by the member user for whom the request has been made for a temporary limit request.

• Identifying the confirmed limit request by the system to the application of the member user for whom the temporary limit credit card is requested.

The temporary limit credit card which has been defined here, can be optionally cancelled by the member user for whom the temporary limit credit card has been identified for and/or by the member user who has transferred the temporary limit. The temporary limit credit card that has not been cancelled by the person transferring the temporary limit or the member user for whom the temporary limit credit card has been identified shall remain open to the usage of this user for a predetermined period of time, and when this pre-determined period expires, the card is cancelled by the system. This application is used in increasing temporary limits that have been identified, at certain periods of time regularly.

A lower limit identification cannot be carried out via the temporary limit that has been identified as a temporary limit credit card to any member user and this limit cannot be transferred to another member user.

I n another embodiment of the invention the process of identifying the temporary limit request that has been confirmed to the application of the member user who has requested this limit as a temporary limit credit card, is carried out by receiving a pre-authorization from the credit agency and/or bank and collecting the temporary limit from the member user credit card. The schematic view regarding this application has been given in Figure 4.

I n another embodiment of the invention, the identification process of the temporary limit request that has been confirmed, by the system as a temporary limit credit card to the application of the member user who has made the request, is carried out by collecting the temporary limit that has been identified from the credit card of the member user who has performed the temporary limit transfer process and keeping it in the system. The schematic view regarding this application has been given in Figure 5.

E. Payment Request module:

The payment module basically allows all member user types who shall be using the system to request the transfer of a payment directly to the member workplace by at least one member user who is observed to have at least a credit card that is registered to the system, who has been added to the application via the member addition module.

I n an embodiment of the invention, the payment request module is based on the principal of submitting the payment confirmation received by the system to the related credit agency or bank, and for this agency to make the payment to the member workplace, and the schematic view regarding this application has been provided in Figure 4.

The completion of the payment request module functions according to this embodiment of the invention has been enabled by the process steps mentioned below. • The member user requests a direct payment specific to a single process that necessitates payment to a member workplace from at least one of the member users that are observed to have at least a credit card registered to the system , who have been added to the application via the member addition module.

• The system submits the member workplace payment request to the member user and member workplace that the payment shall be transferred to.

• The member user that has received the member workplace payment request confirms the payment by selecting at least a credit card that is observed to be registered to the system via the application.

• The system submits the payment confirmation that has been received to the credit agency or bank.

• The credit agency or bank that has received the payment confirmation regarding the payment to the member workplace transfers the payment to the member workplace.

• A notification is sent via the application to the member user that has carried out the payment request, the member user from which the payment was requested and the workplace who will receive the payment once the payment to the member workplace has been completed successfully.

• A warning is sent via the application to the member user who has made the payment request, the member user from which the payment has been requested and to the member workplace that shall be receiving the payment if the payment to the workplace is unsuccessful.

I n another embodiment of the invention, the payment request module is based on the principle that the payment confirmation is received by the system, and the system withdraws the payment from the credit card of the member user who is carrying out the payment process and transferring said payment to the member workplace, and the schematic view relating to this embodiment has been shown in Figure 5.

The completion of the payment request module functions according to this embodiment of the invention, is enabled by means of the process steps mentioned below.

• The member user requests a direct payment specific to a single process that necessitates payment to a member workplace from at least one of the member users that are observed to have at least a credit card registered to the system , who have been added to the application via the member addition module.

• The system submits the member workplace payment request to the member user from whom the payment has been requested and to the member workplace.

• The member confirms the payment by selecting at least a credit card that can be observed to be registered to the system via the application to enable the payment amount to be withdrawn by the system from the credit card that has been selected by the member user regarding the received payment confirmation, and the payment is transferred to the system.

• The payment amount that is transferred to the system is transferred to the member workplace to which the payment shall be made to by the system .

• A notification is sent via the application to the member user that has carried out the payment request, the member user from which the payment was requested and the workplace who will receive the payment once the payment to the member workplace has been completed successfully,

• A warning is sent via the application to the member user who has made the payment request, the member user from which the payment has been requested and to the member workplace that shall be receiving the payment if the payment to the workplace is unsuccessful,

• During the usage of the payment request module, the system shall request from the member user from whom the payment shall be collected from to transfer to the member workplace, a confirmation within a pre-determined period of time. I n the case that the confirmation period is exceeded the system shall determine that the payment request has expired and the process shall be deemed unsuccessful and the payment process shall be cancelled. If the payment process is cancelled a warning shall be sent by the system to the member user from which the payment was requested, to the member user who has requested the payment and the member workplace who was supposed to receive the payment. During the usage of the payment request module, the member user from which the payment has been requested to be paid to the member user can, if he/she desires, give an automatic payment confirmation for the amount that has been determined based on the member user, for users that have been determined from among users that the member user has added to the application via the member addition module and from whom the payment request has been made and can transfer payment to the member workplace by means of this automatic confirmation process.

F. Payment Transfer Module:

The payment transfer module basically enables to transfer the payment to the member workplace from the member user that shall be using the system, by using at least a “temporary limit credit card” that has been registered by the member user for himself/herself who has been added to the application via the member addition module

The payment transfer module in this embodiment of the invention, is based on the principle that the payment request submitted to the system is submitted to the related credit agency or bank by the system , and this agency transfers the payment to the member workplace, and the schematic view according to this embodiment has been given in Figure 4.

The completion of the payment transfer module functions according to the embodiment of the invention is carried out by means of the process steps mentioned below.

• The member user shall search the member workplace who shall be receiving the payment by entering the member workplace code that has been assigned by the system for said workplace, by selecting the member workplace to which the payment shall be transferred to, from the“payment transfer” screen that can be viewed in the mobile application in order to transfer payment to a member workplace by using at least one temporary limit credit card that has been defined by the member user for himself/herself , who has at least a card registered under his name in the system and who has been added to the application via the member addition module.

• After the member workplace to which the payment shall be transferred is found, the payment order is submitted to the system .

• The payment order received is submitted by the system to the credit agency or bank. • The credit agency or bank that has received the payment order for the member workplace, transfers the payment to the member workplace.

• The member user and member workplace is notified after the payment to the member workplace is transferred with success from the credit card of the user.

• The member workplace and the other member user who has sent the temporary limit to the member user is notified via the application if the payment to the member workplace has been transferred from the temporary limit credit card.

• If the payment to the member workplace is unsuccessful a warning message is submitted to the member user and the member workplace via the application.

According to another embodiment of the invention, the payment transfer module, enables the transfer of the payment by the system to the member workplace by processing the payment order submitted to the system . The schematic view relating to this embodiment has been shown in Figure 5.

I n this case, the member user who has requested payment to be transferred to the member workplace transfers the payment to the system instead of transferring the payment directly to the member workplace, and the system transfers the related payment to the member workplace.

The completion of the payment transfer module functions according to the above mentioned embodiment of the invention is carried out by means of the process steps mentioned below.

• After the member workplace to which the payment shall be transferred is found, the payment order is submitted to the system . • The payment amount collected from the credit card belonging to the member user is transferred to the member workplace by the system,

It is possible for the system to collect a predetermined service fee, in order to carry out unlimited processes during a certain period of time via the package payment method or payment per process method, from all member user types, during usage of each module that has been defined above as the modules of the system .

The payment to be transferred to the member workplace can be transferred to the bank account of the member workplace or any other bank account that is provided by and belongs to the member workplace.

I n another embodiment of the invention, limit is shared between the pre-paid cards issued by the company. By the limit feature defined in said cards, a payment function is provided such that the shopping performed by the sub-users can be paid from the account of the user who defined the limit (main account) .

Here, there are two different limit sharing methods as blocked and non-blocked and, in both methods, the main account defines and authorizes the sub-users.

The main account owner defines a right of use for the sub-users within his own balance, however in the process, there is not a money transfer between main and sub accounts and the balance is recorded on the main account.

I n this point, the main account owner grants the sub-users only an authorization of transaction, the user who is the main account owner is responsible for all the transactions performed over the account and the system assumes that all the transactions are made by the main account. However, the tracking records of the transactions performed by the sub users are monitored and saved.

Limit sharing is performed by a definition between the -member cardholders. The user who is the main account owner selects the person or the people to whom he desires to define a limit from the list of people and he can define a limit with a desired amount from his own account. This definition process is only executed as granting a right of use to another user from the balance and does not contain any transfer of balance. I n other words, the defined limit is only defined for other users as a right of usage and the electronic money (balance) stays on the balance of the person who defines the limit.

The defined limit can be assigned to more than one sub-user at the same time. All control of the assigned limit is under the control of the user who assigns the limit. Said user has privilege to manage and perform revisions including cancelation on the assigned amount. .

The limit assignment between the users can be performed by phone number, account number, identification number, card number or another unique identifier. If desired, the authorization procedures of the limit assignment functions can be set-up as verification over SMS, mobile application or web.

When the limit is assigned, if the shared limit is assigned to a plurality of people, a single limit pool is used. When said pool is used, the balance is updated online and the usage rights of all users are deducted from the limit pool by the usage amount.

I n all transactions, during authorization, the balance of the main account is checked for sufficient funds. If the defined limit and the balance of the main user are sufficient, the authorization is granted.

Limit sharing is set-up in two ways such as blocked and non-blocked;

• I n the blocked sharing, the shared amount is blocked on the main user’s account.

This means that the main user can’t use the shared amount and his available balance is calculated as substraction of blocked amount from main balance.

• I n the non-blocked sharing, the shared amount is not blocked on the main user’s account and the main user has the right to use all his balance. If the main user spends his balance, the incoming transactions of the people that have the right to use the limit are authorized over the main account’s balance according to limits defined by the owner of the main account. If there is sufficient balance in the main account, the transaction is authorized.

Example transaction scenario: I n the embodiment of the invention described here; let’s assume that the person who defines the limit is account A and there is 8000 TL in the account A. - I n the provided example, before defining the limit, the balance of A1 was defined as 400 TL and the balance of A2 was defined as 500 TL.

I n the example, the user A defines a limit of 1000 TL for the users A1 and A2.

The user A can perform the sharing in two ways such as blocked and non-blocked.

The example application of the balance, limit and authorization procedures of the blocked sharing is described below.

I n the blocked sharing, the shared balance is restricted for the use of user A by being blocked in the balance of user A. However, here the balance is still kept on the account A.

I n the case of this example, when the user A shares a 1000 TL blocked limit with users A1 and A2, 1000 TL is deducted from the available limit of the user A and the available balance of the user A becomes 7000 TL.

The balances of the users A1 and A2 will be their current balances + amount remaining from the share. I n the example, when the first assignment is carried out but not spent, 400 + 1000 is defined for A1 and 500 + 1000 is defined for A2. I n this phase, the assignment is only systemic definition and money transfer is not occured. A1 and A2 users can only spend a total of 1000 TL from the shared balance until the balance is completely processed in the account of user A. I n this process, no electronic money is issued in the system .

After the limit defining process, if we assume that the user A1 will perform an 800 TL transaction, this transaction is performed over the shared balance since it is over the current balance of the user. Here, the order of the use of the balances will be managed by a parameter.

The 800 TL transaction is executed over the shared limit, which is the balance of account A. Even though the transaction is performed by user A1 , that balance is used from the account A. I n this flow, besides usage priority of the balances, partial usage is also available as an option. I n the partial use, it is possible that first the balance prioritized by the parameter defined by the user A1 (his own main balance or the balance shared by the user A) is used and then the remaining amount is withdrawn from the other balance.

After the 800 TL transaction is authorized by the system , the total balance of A will be reduced to 7200 TL and the shared limit will be reduced to 200 TL.

After this transaction, the users A1 and A2 can only use 200 TL of shared limit. If user A tries a 7200 TL transaction after user A1 uses 800 TL, this transaction will return an insufficient fund result. The reason for this is that the shared limit is shared as blocked. 200 TL of the 7200 TL is kept as blocked for use of A1 and A2.

The user A can have the right to use all his balance by canceling the shared limit definition if desires. I n this phase, all usage rights are managed according to the settings of the owner of the account. When desired, user A can cancel the assignments and reset the shared amount.

The 800 TL transaction can be seen in the transaction history of the user A. The responsibility of this transaction belongs to user A. The transaction is seen in the transaction history of user A, but this transaction is also shown in the transaction history of the A1 user since it is performed on the shared limit.

When the case where the user A shares 1000 TL as non-blocked is examined;

The example application of the balance, limit and authorization processes is described below;

After the definition, the usable balance of the user A will be 8000 TL which is equal to the card balance. The usable balances of the users A1 and A2 will be defined in their current accounts as 400 TL + 1000 TL and 500 TL and 1000 TL, respectively.

After user A1 performs 800 TL transaction, the usable main account balance of the user A will be 7200 TL. After this transaction, when the user A performs 7200 TL transaction, this transaction will be authorized since there is no blockage on the shared 200 TL and the user A can spend his entire balance.

Claims

CLAI MS

1 . A credit card sharing system comprising a user registration module and credit card registration module, characterized in that in order for the end user to transfer payments on behalf of users that he/she has added to the application, via the member addition module, using only a mobile device without the necessity to carry a physical credit card, for the end user to identify a temporary limit for said users, via at least one credit card that belongs to himself/herself which has been registered to the system to which this temporary limit has been identified, and for he/she to enable member users in member workplaces to spend the temporary limit identified, the module having this system downloaded into at least a server and at least a mobile application; basically comprises,

a member user addition module which enables the addition of other member users who the member user wishes to use the system together with, into the application that is installed onto the mobile device, comprising the following process steps;

• addition of one or more member users to the application in mobile or similar device who has already been registered to the system via the user registration module, by the member user who has been registered to the system again via the user registration module,

• confirming the member user addition process via a verification method used by the system, by the member user that is desired to be added to the system and completing the member user addition process, a temporary limit request and temporary limit transfer module which basically enables all member user types that shall be using the system to be able to request a temporary limit from any of the member users that have been added to the application by means of the member addition module, that own at least a credit card which can be observed to be registered to the system, and to identify the limit that has been requested from and transferred by the member user as a temporary limit credit card to his/her own application if said request is confirmed; comprising the following steps;

• at least for one of the member users that own at least a credit card, who has been observed to be registered to the system and who has been added to the system via the member registration module by the member user to request a temporary limit, • submission of the temporary limit request to the member for whom the request was made by the system,

• selection and confirmation of at least one of the credit cards that is registered to his/her own application by the member user for whom the request has been made for a temporary limit request,

• identifying the confirmed limit request by the system to the application of the member user for whom the temporary limit credit card is requested,

a payment request module according to an embodiment of the invention which comprises the following process steps, and which enables the submission of the payment confirmation received by the system to the related credit agency or bank, and enables all member user types using the system to transfer the payment directly to the member workplace based on the principle of the agency to transfer the payment to the member workplace, via at least the credit card of a member user that is observed to be registered to the system and added to the application by means of the member addition module;

• the member user requests a direct payment specific to a single process that necessitates payment to a member workplace from at least one of the member users that are observed to have at least a credit card registered to the system, who have been added to the application via the member addition module,

• the system submits the member workplace payment request to the member user and member workplace that the payment shall be transferred to,

• the member user that has received the member workplace payment request confirms the payment by selecting at least a credit card that is observed to be registered to the system via the application,

• the system submits the payment confirmation that has been received to the credit agency or bank,

• the credit agency or bank that has received the payment confirmation regarding the payment to the member workplace transfers the payment to the member workplace,

• a notification is sent via the application to the member user that has carried out the payment request, the member user from which the payment was requested and the workplace who will receive the payment once the payment to the member workplace has been completed successfully, • a warning is sent via the application to the member user who has made the payment request, the member user from which the payment has been requested and to the member workplace that shall be receiving the payment if the payment to the workplace is unsuccessful,

a payment transfer module according to another embodiment of the invention comprising the following steps which enables to transfer the payment to the member workplace from the member user that shall be using the system, by using at least a“temporary limit credit card” that has been registered by the member user for himself/herself who has been added to the application via the member addition module by being based on the principle that the payment order submitted to the system is submitted by the system to the related credit agency or bank and that the agency transfers the payment to the member workplace,

• the member user shall search the member workplace who shall be receiving the payment by entering the member workplace code that has been assigned by the system for said workplace, by selecting the member workplace to which the payment shall be transferred to, from the“payment transfer” screen that can be viewed in the mobile application in order to transfer payment to a member workplace by using at least one temporary limit credit card that has been defined by the member user for himself/herself, who has at least a card registered under his name in the system and who has been added to the application via the member addition module.

• after the member workplace to which the payment shall be transferred is found, the payment order is submitted to the system.

• the payment order received is submitted by the system to the credit agency or bank.

• the credit agency or bank that has received the payment order for the member workplace, transfers the payment to the member workplace.

2. A credit card sharing system comprising a user registration module and credit card registration module, characterized in that ;in order for the end user to transfer payments on behalf of users that he/she has added to the application, via the member addition module, using only a mobile device without the necessity to carry a physical credit card, for the end user to identify a temporary limit for said users, via at least one credit card that belongs to himself/herself which has been registered to the system to which this temporary limit has been identified, and for he/she to enable member users in member workplaces to spend the temporary limit identified, the module having this system downloaded into at least a server and at least a mobile application; basically comprises,

a member user addition module which enables the member user that is going to be using the system to use the system together with other member users by adding them to the application installed into the mobile device, which comprises the following process steps

• the member user who has registered himself/herself to the system via the user registration module adds one or more member users to the application of the mobile device, wherein the user registrations of these new member users also have been registered to the system via the same user registration module,

• The member user addition process is confirmed via the verification method used by the system, by the member user that is desired to be registered to the system and the member user addition process is completed,

a temporary limit request and temporary limit transfer module, which comprises the below mentioned process steps and basically enables all member user types that shall be using the system to request a temporary limit from at least one of the member users that are credit card owners who have been observed to be registered to the system and who have been added to the application via the member addition module and if this request is confirmed, the module enables the identification of a credit card that is temporary and limited to the new member for which the request is carried out, from the user member,

• at least for one of the member users that own at least a credit card, who has been observed to be registered to the system and who has been added to the system via the member addition module by the member user to request a temporary limit,

• submission of the temporary limit request to the member for whom the request was made by the system, • selection and confirmation of at least one of the credit cards that is registered to his/her own application by the member user for whom the request has been made for a temporary limit request,

a payment request module according to another embodiment of the invention comprising the below mentioned process steps, which enables the payment for which a payment confirmation has been received by the system to be withdrawn from the credit card of the member user from which the payment is going to be collected from, and for the payment to be transferred by the system to the member workplace,

• the system submits the member workplace payment request to the member user from whom the payment has been requested and to the member workplace,

• the member confirms the payment by selecting at least a credit card that can be observed to be registered to the system via the application to enable the payment amount to be withdrawn by the system from the credit card that has been selected by the member user regarding the received payment confirmation, and the payment is transferred to the system,

• the payment amount that is transferred to the system is transferred to the member workplace to which the payment shall be made to by the system,

a payment transfer module according to another embodiment of the invention which comprises the below mentioned process steps, which allows the payment order submitted to the system to be processed by the system itself and the payment to be transferred by the system to the member workplace

• the member user shall search the member workplace who shall be receiving the payment by entering the member workplace code that has been assigned by the system for said workplace, by selecting the member workplace to which the payment shall be transferred to, from the“payment transfer” screen that can be viewed in the mobile application in order to transfer payment to a member workplace by using at least one temporary limit credit card that has been defined by the member user for himself/herself, who has at least a card registered under his name in the system and who has been added to the application via the member addition module,

• after the member workplace to which the payment shall be transferred is found, the payment order is submitted to the system,

• the payment amount collected from the temporary limit credit card belonging to the member user is transferred to the member workplace by the system,

• the member workplace and the other member user who has sent the temporary limit to the member user is notified via the application if the payment to the member workplace has been transferred from the temporary limit credit card,

3. A credit card sharing system according to claim 1 or claim 2, characterized in that the mobile application is a version that is compliant with any mobile processing system and has a structure that can be downloaded into any mobile device that is using said processing system.

4. A credit card sharing system according to claim 1 or claim 2, characterized in that the verification method used by the system can be any one of the verification methods used in the known state of the art such as verification by sms and verification by e-mail.

5. A credit card sharing system according to claim 1 or claim 2, characterized in that ; the verification method used by the system is a verification method to be carried out via the system application.

6. A credit card sharing system according to claim 1 or claim 2, characterized in that, the member user registrations registered to the system are 3 basic user types as described below;

• a free a user who is registered as a user into the system, but for which a credit card has not been identified and who can use the functions of the system in a limited way, and who can only request a “temporary limit” or “payment” from other member users that have identified at least a credit card into the system and which are registered members to the system and who have been added to the application via only the member addition module,

• a temporary limit user to whom a“temporary limit credit card” has been identified by one or more member users, who is included into the system via the member addition module, and who can be observed to be registered into the system, having at least one credit card wherein said user has limited rights to use the system functions and he/she can only request “payment” or “temporary limit” from other member users that have at least a credit card and who are observed to be registered to the system or added to the application via a member addition module and can transfer payment to member businesses using the“temporary limit credit card” that has been assigned for him/her,

• a fully authorized user is a user who has been registered to the system as a member user, who is a part of the system, who has added at least another user to the system and who has identified at least a credit card to the system, who can use all of the system functions, can carry out payments for member workplaces with his/her credit card, can make payments to member workplaces on behalf of other member users who he/she has added by means of his/her own credit card via the member addition module, can transfer temporary limits to these users from his/her own credit card and may request payments to be carried out from these users to member workplaces and/or can request temporary limit for himself/herself.

7. A credit card sharing system according to claim 1 or claim 2, characterized in that ;the member workplace registration to the system is carried out in compliance with the process steps mentioned below;

• the related workplace applies with a written registration request to the system,

• the registration request received by the system is evaluated in terms of pre determined criteria,

• if the registration request received by the system is confirmed, a member workplace code is assigned for the related company and the related company is registered into the system with a member workplace status.

8. A credit card sharing system according to claim 1 or claim 2, characterized in that ; the member user addition process can be carried out by using the directory registration of the mobile device, by social media applications, via other mobile applications or manually.

9. A credit card sharing system according to claim 1 , characterized in that ; according to an embodiment of the invention, the identification of the temporary limit request that has been confirmed by the system as a temporary limit credit card to the application of the member user who has made the request, is carried out by the method of collecting the determined limit as a pre-authorization from the credit card of the member user who has transferred the limit.

1 0. A credit card sharing system according to claim 2, characterized in that according to an embodiment of the invention, the process of allocating to the temporary limit credit card by the system, the temporary limit request, that has been confirmed to the application of the member user who has carried out the request, is carried out by the method of withdrawing the determined limit by the system, from the credit card of the member user who has made the limit transfer request and keeping said determined amount in the system.

1 1 . A credit card sharing system according to claim 1 or claim 2, characterized in that; during the process of using the payment request module; the system shall request the confirmation of the payment from the member user who has requested the transfer of payment to the member workplace within a pre-determined period of time, if the confirmation is not received during said period of time, the system shall end the process as an expired process and the process will be deemed unsuccessful and the payment shall be cancelled.

1 2. A credit card sharing system according to claim 1 or claim 2, characterized in that ; in the case that the payment process is cancelled by the system, a warning is sent via the application to the member user who has requested payment, to the member workplace and the member user from which the payment has been requested from.

1 3. A credit card sharing system according to claim 1 or claim 2, characterized in that ; in the process of using the payment request module, the member user who has been asked to transfer payment to the member workplace can confirm automatic payment per member user if he/she desires and can perform an automatic confirmation process from among the users that he/ she has added via the member addition module and can transfer the payment to the member workplace.

1 4. A credit card sharing system according to claim 1 or claim 2, characterized in that; during the usage of each module that has been defined above as system modules, a certain amount of pre-determined service fee can be collected from all member users by the system, for a certain period of time in order to carry out unlimited processes via the package payment method or payment per process method.

1 5. A card sharing system, characterized in that the transactions performed by the sub-users comprise two different limit sharing methods such as blocked and non-blocked due to the limit sharing feature between pre-paid cards in order to support a payment function to transfer payment from the account of the limit-defining user (main account) .

1 6. A card sharing system according to Claim 15, characterized in that in the blocked sharing method where the shared amount is blocked on the main user, the shared balance is blocked at the balance of the user A and closed to the use of the user A and the balance is kept on the account of the user A.

1 7. A card sharing system according to Claim 15, characterized in that the balance prioritized by a parameter defined by the user A1 is used during payment and the remaining amount is withdrawn from the other balance.

1 8. A card sharing system according to Claim 17, characterized in that the prioritized balance is the main balance owned by user A1 or the balance shared by user A.

1 9. A card sharing system according to Claim 15, characterized in that the sub-users are defined and authorized by the main account.

20. A card sharing system according to Claim 15, characterized in that the owner of the main account defines a usage right to sub-users from his own balance, but the defined balance is kept on the main account without any money transfer on the system.

21 . A card sharing system according to Claim 15, characterized in that the defined limit can be assigned to more than one sub-user simultaneously.

22. A card sharing system according to Claim 15, characterized in that the limit assignment between the users can be performed via a phone number, account number, identification number, card number or any other unique identifier.

23. A card sharing system according to Claim 15, characterized in that the authorization processes in the limit assignment functions can be performed as SMS verification, mobile application or web page verifications.

24. A card sharing system according to Claim 15, characterized in that only a single limit pool is used when the shared limit is assigned to a plurality of people during limit assignment.