WO2015125126A3 - Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment - Google Patents

Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment Download PDF

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Publication number
WO2015125126A3
WO2015125126A3 PCT/IB2015/054717 IB2015054717W WO2015125126A3 WO 2015125126 A3 WO2015125126 A3 WO 2015125126A3 IB 2015054717 W IB2015054717 W IB 2015054717W WO 2015125126 A3 WO2015125126 A3 WO 2015125126A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
virtual money
account
mobile network
operator
Prior art date
Application number
PCT/IB2015/054717
Other languages
French (fr)
Other versions
WO2015125126A2 (en
Inventor
Patrick MANDENGUE
Original Assignee
Mandengue Patrick
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 Mandengue Patrick filed Critical Mandengue Patrick
Priority to PCT/IB2015/054717 priority Critical patent/WO2015125126A2/en
Publication of WO2015125126A2 publication Critical patent/WO2015125126A2/en
Publication of WO2015125126A3 publication Critical patent/WO2015125126A3/en

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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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]
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS

Abstract

The invention provides a method of generating virtual money from prepaid airtime. The method comprises sending a request from a customer mobile communication device to the Virtual Money Operator via the Mobile Network Operator; verifying the user data by matching the data with customer data maintained in Mobile Network Operator Server; obtaining authorization of the service from the Mobile Network Operator; transferring the user request to the Virtual Money Operator; verifying user request details (application code, user data, account, PIN-Personal Identification Number); sending an inter-account transfer request to the Mobile Network Operator Prepaid system to debit user and credit the Virtual Money Operator prepaid airtime account respectively by the corresponding transaction value; receiving confirmation of the account adjustment request by the Mobile Network Operator; proceeding with the credit of the user virtual account in the Virtual Money Operator; sending an user account adjustment to the Virtual Money financial institution; proceeding with the update of the user bank account in the Virtual Money Financial institution; and sending a confirmation message of the success of the operation to the user mobile communication device via the Mobile Network Operator. Also provided are methods of conducting different types of payment transaction and related money transfer and payment transaction systems.
PCT/IB2015/054717 2015-06-24 2015-06-24 Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment WO2015125126A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/IB2015/054717 WO2015125126A2 (en) 2015-06-24 2015-06-24 Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/IB2015/054717 WO2015125126A2 (en) 2015-06-24 2015-06-24 Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment

Publications (2)

Publication Number Publication Date
WO2015125126A2 WO2015125126A2 (en) 2015-08-27
WO2015125126A3 true WO2015125126A3 (en) 2016-04-07

Family

ID=53510949

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2015/054717 WO2015125126A2 (en) 2015-06-24 2015-06-24 Methods and systems for transacting with a virtual money generated from prepaid airtime in an interoperable telecommunication environment

Country Status (1)

Country Link
WO (1) WO2015125126A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR3045192A1 (en) * 2015-12-10 2017-06-16 Orange METHOD FOR MANAGING MONETARY TRANSACTION

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070203836A1 (en) * 2006-02-28 2007-08-30 Ramy Dodin Text message payment

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070203836A1 (en) * 2006-02-28 2007-08-30 Ramy Dodin Text message payment

Also Published As

Publication number Publication date
WO2015125126A2 (en) 2015-08-27

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