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1. (WO2014196886) METHOD FOR REPAYING CREDIT ISSUED TO USER OF COMMUNICATIONS SERVICES
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2014/196886 International Application No.: PCT/RU2013/000451
Publication Date: 11.12.2014 International Filing Date: 03.06.2013
IPC:
G06Q 40/02 (2012.01) ,G06Q 20/24 (2012.01) ,G06F 15/00 (2006.01) ,H04W 4/24 (2009.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
22
Payment schemes or models
24
Credit schemes, i.e. "pay after"
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
F
ELECTRIC DIGITAL DATA PROCESSING
15
Digital computers in general; Data processing equipment in general
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
W
WIRELESS COMMUNICATION NETWORKS
4
Services or facilities specially adapted for wireless communication networks
24
Accounting or billing
Applicants:
ЩЕРБАКОВ, Андрей Юрьевич SHERBAKOV, Andrei Yuryevich [RU/RU]; RU
ТИХОНЕНКО, Олег Олегович TIKHONENKO, Oleg Olegovich [RU/RU]; RU
Inventors:
ЩЕРБАКОВ, Андрей Юрьевич SHERBAKOV, Andrei Yuryevich; RU
ТИХОНЕНКО, Олег Олегович TIKHONENKO, Oleg Olegovich; RU
Common
Representative:
ТИХОНЕНКО, Олег Олегович TIKHONENKO, Oleg Olegovich [RU/RU]; ул. Верхние поля, 33, корп. 1, кв. 165, Москва, Verkhniye Polya Str., 33, коrp. 1, kv. 165 Moscow, 109559, RU
Priority Data:
Title (EN) METHOD FOR REPAYING CREDIT ISSUED TO USER OF COMMUNICATIONS SERVICES
(FR) PROCÉDÉ POUR REMBOURSER UN CRÉDIT ACCORDÉ À UN UTILISATEUR DE SERVICES DE COMMUNICATION
(RU) СПОСОБ ВОЗВРАТА КРЕДИТА, ВЫДАННОГО ПОЛЬЗОВАТЕЛЮ УСЛУГ СВЯЗИ
Abstract:
(EN) The invention relates to the field of financial informatics and, more specifically, to a method for repaying credit issued to a user of communications services. The present invention is applicable in the creation and operation of systems which extend credit and carry out financial operations using cashless payment means, including without the use of standard plastic cards. The proposed method achieves the goals of the invention, is characterized in being fundamentally novel and allows for not using a plastic card when repaying credit and for using payment instruments other than plastic cards, specifically a client's mobile device (mobile telephone, tablet), and also for increasing the efficiency and convenience of repaying credit.
(FR) L'invention concerne le domaine de l'informatique financière et notamment un procédé pour rembourser un crédit accordé à un utilisateur de services de communication. La présente invention peut s'utiliser dans la création et l'exploitation de systèmes effectuant l'octroi de crédits et la réalisation d'opérations financières avec de la monnaie scripturale, y compris sans utiliser de cartes plastiques standard. Le procédé de l'invention résout les problèmes posés, se caractérise par une nouveauté fondamentale et permet d'éviter d'utiliser les cartes plastiques pour rembourser un crédit ainsi que d'utiliser d'autres instruments de paiement que les cartes plastiques et notamment un dispositif mobile du client (un téléphone portable ou une tablette); il permet d'améliorer la rapidité et le confort de remboursement d'un crédit.
(RU) Изобретение относится к области финансовой информатики, а более конкретно - к способу возврата кредита, выданного пользователю услуг связи. Настоящее изобретение может найти применение при создании и эксплуатации систем, осуществляющих кредитование и выполнение финансовых операций с безналичными денежными средствами, в том числе и без применения стандартных пластиковых карт. Предлагаемый способ решает 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.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Russian (RU)
Filing Language: Russian (RU)