WO2014196886A1 - Method for repaying credit issued to user of communications services - Google Patents
Method for repaying credit issued to user of communications services Download PDFInfo
- Publication number
- WO2014196886A1 WO2014196886A1 PCT/RU2013/000451 RU2013000451W WO2014196886A1 WO 2014196886 A1 WO2014196886 A1 WO 2014196886A1 RU 2013000451 W RU2013000451 W RU 2013000451W WO 2014196886 A1 WO2014196886 A1 WO 2014196886A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- user
- loan
- repaying
- services
- operator
- Prior art date
- Legal status (The legal status 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 status listed.)
- Ceased
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Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
- H04M15/70—Administration or customization aspects; Counter-checking correct charges
- H04M15/735—Re-crediting user
-
- 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
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
- 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 obtaining cash and issuing loans using
- a client s mobile device that would allow receiving cash without a plastic card.
- a loan provided to a user by a creditor and / or a financial institution that issued a loan in agreement with a telecom operator and / or a user of a telecom operator’s services communicates with the user’s number in the communication network and calculated by the creditor and / or payments by a financial institution to repay a loan, optionally including interest on a loan, are made by adding the repayment amount to repay the loan to the user's account for the user communication services using a device having a user number in the communication network communicated with credit, after which the communication operator, serving the user and billing the user for communication services provided to the device having the user number communicated with the credit in the communication network, having received payment for services, including the payment amount for repaying the loan, transfers the payment amount to the address of the lender 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 for plastic cards, namely the client’s mobile device (mobile phone, tablet), as well as increase the efficiency of loan repayment.
- the present invention will be disclosed in the following description of a system for repaying a loan provided to a service operator of a telecom operator shown in FIG. 1 containing a service user
- the system works as follows - a loan provided
- user 3 the borrower
- the creditor and / or financial institution 1 which issued the loan by agreement with the telecom operator 2 and / or the user of the services of the telecom operator, reports with the user number 4 in the communication network and the payments calculated by the lender and / or financial organization for repaying the loan, optional including interest on the loan, made by adding the payment amount to repay the loan to the user’s account for using communication services (arrow 5) using a device that has a user number communicated with the loan in and communication 4, after which the operator 2, 3 service user and bill the user for services,
- a user in a communication network having received payment for services, including the payment amount for repaying the loan (5), transfers the payment amount to the address of the creditor or financial institution (7), minus the commission 6.
- 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)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
СПОСОБ ВОЗВРАТА КРЕДИТА, ВЫДАННОГО ПОЛЬЗОВАТЕЛЮ METHOD FOR RETURNING A LOAN ISSUED TO THE USER
УСЛУГ СВЯЗИ COMMUNICATION SERVICES
Описание Description
Изобретение относится к области финансовой информатики, а более The invention relates to the field of financial informatics, and more
конкретно - к способу возврата кредита, выданного пользователю услуг связи. specifically, to a method of repaying a loan issued to a user of communication services.
Настоящее изобретение может найти применение при создании и The present invention may find application in the creation and
эксплуатации систем, осуществляющих кредитование и выполнение финансовых операций с безналичными денежными средствами, в том числе и без применения стандартных пластиковых карт. operation of systems providing loans and financial transactions with cashless funds, including without the use of standard plastic cards.
В настоящее время существует настоятельная потребность в оперативном и удобном возврате кредитованных средств в первую очередь при помощи Currently, there is an urgent need for prompt and convenient repayment of credited funds primarily with the help of
мобильных телефонов заемщика. borrower's mobile phones.
Прототипом данной системы является система мобильного банкинга The prototype of this system is a mobile banking system
СберОнЛайн. Sberon Online.
В описании системы по ссылке In the description of the system by reference
http://sberbank.ru/common/img/uploaded/files/pdf/mob_ruk2.pdf (стр.26) указано следующее: http://sberbank.ru/common/img/uploaded/files/pdf/mob_ruk2.pdf (p. 26) the following is indicated:
Платежи и переводы: Погашение кредита (любая сумма) Функция реализуется в территориальных банках Сбербанка России при наличии технической Payments and transfers: Loan repayment (any amount) The function is implemented in the territorial banks of Sberbank of Russia with the availability of technical
возможности. Ссудный счет и счет карты должны быть открыты в одном opportunities. Loan account and card account must be opened in one
территориальном банке. Только для кредитов с дифференцированными платежами.territorial bank. Only for loans with differentiated payments.
Погашение кредитов в иностранной валюте возможно в случае, если Клиент является заемщиком (со заемщиком, поручителем, залогодателем). Для погашения кредита со счета банковской карты, указанной в Мобильном банке как платежная, необходимо сформировать и направить на специальный номер оператора Repayment of loans in foreign currency is possible if the Client is a borrower (with a borrower, guarantor, pledger). To repay a loan from a bank card account specified in the Mobile Bank as a payment, it is necessary to form and send it to a special operator number
мобильной связи 900 SMS - сообщение следующего формата: Кому: 900 mobile phone 900 SMS - message of the following format: To: 900
Сообщение: КРЕДИТ 12345678901234567890 25000 1234 Пример: Где Message: LOAN 12345678901234567890 25000 1234 Example: Where
12345678901234567890 - номер ссудного счета (20 знаков), например, 12345678901234567890 . Номер ссудного счета Вы можете посмотреть в своем кредитном договоре . 25000 - сумма платежа в валюте ссудного счета (например, 25000 рублей). Вместо КРЕДИТ в SMS - сообщении может быть указано KREDIT 1234 - последние 4 цифры номера Вашей платежной карты (например, 1234), необходимые для отправки в запросах. Указываются только в случае, если у Вас зарегистрировано несколько платежных карт. 12345678901234567890 - loan account number (20 characters), for example, 12345678901234567890. You can see the loan account number in your loan agreement. 25000 - the payment amount in the currency of the loan account (for example, 25,000 rubles). Instead of CREDIT, in an SMS message 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.
В случае успешного завершения операции в режиме реального времени Банк направит Вам SMS - сообщение следующего вида : Погашение кредита в сумме 25000 руб. с карты VISA 1234 выполнено успешно. If the operation is successfully completed in real time, the Bank will send you an SMS message of the following type: Loan repayment in the amount of 25,000 rubles. VISA 1234 card completed successfully.
Однако системы мобильного банкинга, используемые в настоящее время, имеют следующие существенные недостатки: However, the mobile banking systems currently in use have the following significant disadvantages:
1. Заемщику необходимо иметь пластиковую карту. 1. The borrower must have a plastic card.
1. Погашение кредита возможно только с карты, счет которой открыт в конкретном банке. 1. Repayment of the loan is possible only from a card whose account is opened in a particular bank.
2. Счет карты и кредит должны быть открыты в одном территориальном банке. 2. Card account and credit must be opened in one territorial bank.
В основу настоящего изобретения положена задача создания способа получения наличных денежных средств и выдачи кредитов при помощи The basis of the present invention is the creation of a method of obtaining cash and issuing loans using
мобильного устройства клиента, который бы позволял получать наличные денежные средства без пластиковой карты. a client’s mobile device that would allow receiving cash without a plastic card.
Задачи изобретения решены и недостатки прототипа устранены в The objectives of the invention are solved and the disadvantages of the prototype are eliminated in
предлагаемом способе возврата кредита, предоставленного пользователю услуг оператора связи. the proposed method of repaying a loan provided to a user of a telecom operator.
Согласно данному способу возврата кредита, предоставленного пользователю услуг оператора связи, кредит, предоставленный пользователю кредитор и/или финансовая организация, выдавшая кредит по договоренности с оператором связи и/или пользователем услуг оператора связи сообщает с номером пользователя в сети связи и рассчитанные кредитором и/или финансовой организацией выплаты для возврата кредита, необязательно включая проценты по кредиту, производят путем добавления суммы выплаты для возврата кредита к счету пользователя за пользование услугами связи при помощи устройства, имеющего сообщенный с кредитом номер пользователя в сети связи, после чего оператор связи, обслуживающий пользователя и выставляющий счета пользователю за услуги связи, предоставленные устройству, имеющему сообщенный с кредитом номер пользователя в сети связи, получив оплату за услуги, включающую сумму выплаты для возврата кредита, переводит сумму выплаты в адрес кредитора или финансовой организации. According to this method of repaying a loan provided to a user of a telecom operator’s services, a loan provided to a user by a creditor and / or a financial institution that issued a loan in agreement with a telecom operator and / or a user of a telecom operator’s services communicates with the user’s number in the communication network and calculated by the creditor and / or payments by a financial institution to repay a loan, optionally including interest on a loan, are made by adding the repayment amount to repay the loan to the user's account for the user communication services using a device having a user number in the communication network communicated with credit, after which the communication operator, serving the user and billing the user for communication services provided to the device having the user number communicated with the credit in the communication network, having received payment for services, including the payment amount for repaying the loan, transfers the payment amount to the address of the lender or financial institution.
Технически целесообразно, чтобы сумма счета пользователя за пользование услугами связи включала процент оператора за выполнение перевода суммы выплаты для возврата кредита и при переводе кредитору суммы выплаты для возврата кредита оператор взимал процент за совершение перевода. It is technically advisable that 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.
Не менее технически целесообразно, чтобы сумма выплаты кредитору или финансовой организации переводилась оператором связи на его счет, It is no less technically feasible that the payment amount to the creditor or financial organization be transferred by the telecom operator to his account,
используемый для оплаты услуг связи. used to pay for communication services.
Также технически целесообразно рассматривать ситуацию, когда кредитор также является пользователем услуг оператора связи. It is also technically advisable to consider a situation where the lender is also a user of the services of a telecom operator.
На современном уровне техники целесообразно рассматривать ситуацию, когда устройством связи является мобильный телефон, смартфон, планшетный компьютер. At the current level of technology, it is advisable to consider a situation when the communication device is a mobile phone, smartphone, tablet computer.
Предлагаемый способ решает сформулированные выше задачи изобретения, характеризуется принципиальной новизной и позволяет не использовать The proposed method solves the above objectives of the invention, is characterized by fundamental novelty and allows not to use
пластиковую карту при возврате кредита и использовать другие платежные инструменты, кроме пластиковых карт, а именно - мобильное устройство клиента (мобильный телефон, планшет), а также повышать оперативность возврата кредита. a plastic card when repaying the loan and use other payment instruments, except for plastic cards, namely the client’s mobile device (mobile phone, tablet), as well as increase the efficiency of loan repayment.
Настоящее изобретение будет раскрыто в нижеследующем описании системы, предназначенной для возврата кредита, предоставленного пользователю услуг оператора связи, изображенном на фиг.1, содержащей пользователя услуг The present invention will be disclosed in the following description of a system for repaying a loan provided to a service operator of a telecom operator shown in FIG. 1 containing a service user
оператора связи 3, кредит, предоставленный пользователю кредитором и/или финансовой организацией 1, выдавшая кредит по договоренности с оператором связи 2 сообщенным с номером пользователя в сети связи 4 и рассчитанные кредитором и/или финансовой организацией выплаты для возврата кредита telecom operator 3, the loan granted to the user by the creditor and / or financial institution 1, which issued the loan in agreement with the telecom operator 2 communicated with the user number in the communication network 4 and payments calculated by the creditor and / or financial organization for repaying the loan
(стрелка 5), пользователя в сети связи, получив оплату 5 за услуги, включающую сумму выплаты для возврата кредита, переводит сумму выплаты (стрелка 7) в адрес кредитора или финансовой организации 1. На фиг.1 в блоке 6 учтена комиссия оператора связи. (arrow 5), the user in the communication network, having received payment 5 for services, including the payment amount for repaying the loan, transfers the payment amount (arrow 7) to lender or financial institution 1. In figure 1 in block 6 takes into account the commission of the telecom operator.
Система работает следующим образом - кредит, предоставленный The system works as follows - a loan provided
пользователю 3 (заемщику) кредитор и/или финансовая организация 1, выдавшая кредит по договоренности с оператором связи 2 и/или пользователем услуг оператора связи сообщает с номером пользователя 4 в сети связи и рассчитанные кредитором и/или финансовой организацией выплаты для возврата кредита, необязательно включая проценты по кредиту, производят путем добавления суммы выплаты для возврата кредита к счету пользователя за пользование услугами связи (стрелка 5) при помощи устройства, имеющего сообщенный с кредитом номер пользователя в сети связи 4, после чего оператор связи 2, обслуживающий пользователя 3 и выставляющий счета пользователю за услуги связи, to user 3 (the borrower), the creditor and / or financial institution 1, which issued the loan by agreement with the telecom operator 2 and / or the user of the services of the telecom operator, reports with the user number 4 in the communication network and the payments calculated by the lender and / or financial organization for repaying the loan, optional including interest on the loan, made by adding the payment amount to repay the loan to the user’s account for using communication services (arrow 5) using a device that has a user number communicated with the loan in and communication 4, after which the operator 2, 3 service user and bill the user for services,
предоставленные устройству, имеющему сообщенный с кредитом номер provided to a device having a credit-reported number
пользователя в сети связи, получив оплату за услуги, включающую сумму выплаты для возврата кредита (5), переводит сумму выплаты в адрес кредитора или финансовой организации (7), за вычетом комиссии 6. A user in a communication network, having received payment for services, including the payment amount for repaying the loan (5), transfers the payment amount to the address of the creditor or financial institution (7), minus the commission 6.
Предлагаемый способ и реализующая его система, описанная выше, решают сформулированные выше задачи изобретения, характеризуется принципиальной новизной и позволяет не использовать пластиковую карту при возврате кредита и использовать другие платежные инструменты, кроме пластиковых карт, а именно - мобильное устройство клиента (мобильный телефон, планшет), а также повышать оперативность и удобство возврата кредита. 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.
Claims
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/RU2013/000451 WO2014196886A1 (en) | 2013-06-03 | 2013-06-03 | Method for repaying credit issued to user of communications services |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/RU2013/000451 WO2014196886A1 (en) | 2013-06-03 | 2013-06-03 | Method for repaying credit issued to user of communications services |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2014196886A1 true WO2014196886A1 (en) | 2014-12-11 |
Family
ID=52008416
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/RU2013/000451 Ceased WO2014196886A1 (en) | 2013-06-03 | 2013-06-03 | Method for repaying credit issued to user of communications services |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2014196886A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100122274A1 (en) * | 2008-04-04 | 2010-05-13 | Qualcomm Incorporated | Systems and methods for distributing and redeeming credits on a broadcast system |
| US20100312678A1 (en) * | 2009-06-08 | 2010-12-09 | Boku, Inc. | Systems and Methods to Add Funds to an Account via a Mobile Communication Device |
| US20110258062A1 (en) * | 2010-04-15 | 2011-10-20 | Boku, Inc. | Systems and Methods to Provide Credits via Mobile Devices |
-
2013
- 2013-06-03 WO PCT/RU2013/000451 patent/WO2014196886A1/en not_active Ceased
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100122274A1 (en) * | 2008-04-04 | 2010-05-13 | Qualcomm Incorporated | Systems and methods for distributing and redeeming credits on a broadcast system |
| US20100312678A1 (en) * | 2009-06-08 | 2010-12-09 | Boku, Inc. | Systems and Methods to Add Funds to an Account via a Mobile Communication Device |
| US20110258062A1 (en) * | 2010-04-15 | 2011-10-20 | Boku, Inc. | Systems and Methods to Provide Credits via Mobile Devices |
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