EA200901089A1 - Способ и система обработки кредитов для использования их абонентами коммуникационной сети - Google Patents

Способ и система обработки кредитов для использования их абонентами коммуникационной сети

Info

Publication number
EA200901089A1
EA200901089A1 EA200901089A EA200901089A EA200901089A1 EA 200901089 A1 EA200901089 A1 EA 200901089A1 EA 200901089 A EA200901089 A EA 200901089A EA 200901089 A EA200901089 A EA 200901089A EA 200901089 A1 EA200901089 A1 EA 200901089A1
Authority
EA
Eurasian Patent Office
Prior art keywords
communication network
client
communication
loan
network subscribers
Prior art date
Application number
EA200901089A
Other languages
English (en)
Inventor
Бахрам Камал Оглы Ахмедзаде
Original Assignee
Урбис Телеком Корпорейшн
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 Урбис Телеком Корпорейшн filed Critical Урбис Телеком Корпорейшн
Publication of EA200901089A1 publication Critical patent/EA200901089A1/ru

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/58—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP based on statistics of usage or network monitoring
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/851—Determined tariff
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/854—Available credit
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H04M17/206—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless by sending a message, e.g. SMS, MMS or EMS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H04M2017/243—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless by sending a message, e.g. SMS, MMS, EMS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0188—Network monitoring; statistics on usage on called/calling number
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/815—Notification when a specific condition, service or event is met
    • H04M2215/8166—Available credit

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Probability & Statistics with Applications (AREA)
  • Meter Arrangements (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Предложен способ обработки кредитов для использования их абонентами коммуникационной сети (временного и безвременного предоставления бесплатного эфирного времени, а также возможности использования услуг сети), абонентами мобильной и иной связи, в том числе и ip-телефония с последующим погашением кредита при пополнении баланса, либо при оплате услуг связи иным способом. Техническим результатом является использование большим количеством абонентов коммуникационной сети возможности получения кредита при отправке условного запроса формируемого клиентом (или по поручению клиента) для получения кредита. Запрос вводят посредством устройства электронной связи (Б; т.ч. мобильным телефоном, АТМ, компьютером и/или любым другим терминалом, позволяющим проделать операцию отсылки условного запроса) и передают по меньшей мере на один сервер системы обработки данных для совершения и осуществления транзакции, после чего уведомляют клиента об транзакции.
EA200901089A 2007-08-28 2007-08-28 Способ и система обработки кредитов для использования их абонентами коммуникационной сети EA200901089A1 (ru)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/AZ2007/000006 WO2007147220A2 (en) 2007-08-28 2007-08-28 Method and system for processing advances/credits for use by subscribers of communication networks

Publications (1)

Publication Number Publication Date
EA200901089A1 true EA200901089A1 (ru) 2010-04-30

Family

ID=38833782

Family Applications (1)

Application Number Title Priority Date Filing Date
EA200901089A EA200901089A1 (ru) 2007-08-28 2007-08-28 Способ и система обработки кредитов для использования их абонентами коммуникационной сети

Country Status (5)

Country Link
EP (1) EP2184708A4 (ru)
CN (1) CN101802853A (ru)
AP (2) AP2011005822A0 (ru)
EA (1) EA200901089A1 (ru)
WO (1) WO2007147220A2 (ru)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140279388A1 (en) 2013-03-15 2014-09-18 Mobile Decisioning Holdings Limited Method, apparatus, and computer-readable medium for advancing prepaid credit
CN105959146B (zh) * 2016-06-07 2019-06-21 阿里巴巴集团控股有限公司 通讯方法、装置、电子设备及计算机可读存储介质
US10681223B1 (en) * 2019-05-31 2020-06-09 ComzAfrica Limited System and method for providing airtime-on-credit services
CN112436949A (zh) * 2019-08-26 2021-03-02 北京小米移动软件有限公司 终端、充值方法和装置

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU1222499A (en) * 1998-12-02 2000-06-19 Swisscom Ag Method and system for charging or recharging an account with a value corresponding to a sum of money
NO311658B1 (no) * 2000-03-27 2001-12-27 Scan & Pay As Fremgangsmåte for å gjennomföre handel og betalings- /kredittformidling
US6487401B2 (en) * 2000-12-18 2002-11-26 Sbc Technology Resources, Inc. Prepaid wireless telephone account regeneration in a wireless access protocol system
RU2216773C2 (ru) * 2001-06-20 2003-11-20 Иванов Михаил Борисович Система для проведения безналичных финансовых операций
GB2379133B (en) * 2001-08-22 2003-10-29 Turriff Internat Ltd Method of crediting an account
EP1320214A1 (en) * 2001-12-12 2003-06-18 Markport Limited Unified account management for data network access
KR100496500B1 (ko) * 2002-11-01 2005-06-22 한국신용평가정보주식회사 개인신용평가를 기반으로 한 음성응답 시스템
KR100445753B1 (ko) * 2002-11-19 2004-08-25 임명수 휴대용 단말기를 이용한 대출 및 결제 방법
US20040162732A1 (en) * 2003-02-14 2004-08-19 Rubens Rahim System and method for credit card replenishment of a wireless subscriber's account balance

Also Published As

Publication number Publication date
EP2184708A2 (en) 2010-05-12
AP2011005822A0 (en) 2011-08-31
EP2184708A4 (en) 2012-02-22
CN101802853A (zh) 2010-08-11
WO2007147220A8 (fr) 2008-06-19
WO2007147220A3 (fr) 2008-08-07
AP2010005130A0 (en) 2010-02-28
WO2007147220A2 (en) 2007-12-27

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