公开(公告)号：US20090177578A1

公开(公告)日：2009-07-09

申请号：US12069532

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaeno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaeno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G06Q20/00

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/28 ,  G06Q20/32

摘要： A method of receiving cash from an outlet through a mobile phone comprising the steps of: —customer requesting for cash-out at an outlet; —customer showing identification and filling up a form; —frontliner accessing the device and keying in command containing customer's amount of cash-out and sending this to telco; telco verifying that customer's mobile phone is registered with the telco's cash product services and that the amount of cash-out is available in the customer's mobile phone cash account and sending information the device of the frontliner of the outlet; —frontliner of the outlet verifying that customer is registered with telco's cash product service and advising the customer of the unique transaction code; —customer paying for cash-out fee; —customer keying in “CASHOUT” cash product command containing his PIN, amount to be cashed out, and his mobile phone number; —sending this command to telco; —outlets device receiving a confirmatory message from telco of cash product service transfer; —customer receiving a SMS acknowledgment from telco of the completion of the cash product service; —customer getting cash from the outlet; —outlet's device receiving an acknowledgement of the completion of the transaction and confirmation number from telco in a format matching the outlet's device.

摘要翻译： 一种通过移动电话从出口接收现金的方法，包括以下步骤： - 客户请求在出口处进行现金支出; - 客户显示识别和填写表格; 前线人员访问设备并键入包含客户现金支出的命令，并将其发送给电信公司; 电信公司验证客户的手机是否已经向电话公司的现金产品服务注册，并且在客户的手机现金账户中可以获得现金支出的数量，并将信息发送到出口前端的设备; 验证客户是否已经向电话公司的现金产品服务注册，并向客户提供唯一的交易代码; - 客户支付现金支出费用; - 客户键入“CASHOUT”现金产品指令，其中包含其PIN，金额将被兑现，以及他的手机号码; 将此命令发送给telco; - 电话设备从电话接收现金产品服务转移的确认消息; - 客户从电信公司收到完成现金产品服务的短信确认; - 客户从出口获得现金; -outlet的设备以与出口设备匹配的格式从telco接收完成交易确认和确认号码。

公开(公告)号：US20090177581A1

公开(公告)日：2009-07-09

申请号：US12069509

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G06Q20/00

CPC分类号： G06Q20/32 ,  G06Q20/16 ,  G06Q20/322 ,  G06Q20/3255 ,  G06Q20/40 ,  G06Q30/06

摘要： The method of cash-less purchase transaction using mobile phone comprising steps of: —customer requesting for purchase at outlet; —merchants verifying if customer is registered with telco's cash product service; —merchant informing the customer of the purchase price to e paid; —merchant sending in a SELL command on his device to a telco containing merchant's PIN, amount of the purchase, and customer's mobile phone number; —customer receiving SMS confirmation query of the amount to be paid from telco; —customer's mobile phone number; —customer replying to the SMS of his confirmation with his PIN; —merchant receiving confirmation from telco of the deduction from customer's mobile phone cash account; —merchant releasing product to the customer; —customer receiving confirmation of the deduction via SMSD sent to his mobile phone; —alternatively, merchant using mobile phone device informing customer of the merchant's mobile number which the customer can send his virtual cash to; —customer sending the amount via SMS to 2882+the 10 digit mobile number of the merchant; —the subscriber and the merchant then getting simultaneous SMS acknowledgment of the transfer with confirmation number

摘要翻译： 使用手机的无现金购买交易的方法包括以下步骤： - 客户在出口处要求购买; - 客户验证客户是否注册了电信公司的现金产品服务; - 商户通知客户购买价格到e支付; - 商人将他的设备上的SELL命令发送到包含商家PIN码，购买金额和客户手机号码的电话上; - 客户从电信公司接收短信确认查询金额; - 客户手机号码; - 客户用他的PIN回复他确认的短信; - 客户从电话公司收到客户手机现金账户扣除确认书; - 向客户发布产品; - 客户通过发送到他的手机的SMSD接收扣除确认; 或者，商人使用手机装置向客户通知客户可以发送他的虚拟现金的商户的手机号码; - 客户通过短信发送金额为2882 +商户的10位手机号码; - 用户和商家然后以确认号码同时进行SMS转移确认

公开(公告)号：US08306510B2

公开(公告)日：2012-11-06

申请号：US12069508

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： H04M3/42

CPC分类号： G06Q20/223 ,  G06Q20/108 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255

摘要： A person to person cash transfer transaction method using mobile phones comprising the steps of: —sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and the recipient's mobile number; —telco verifies if the sender's mobile phone cash account has sufficient balance to effect the transfer of the amount of virtual cash being transferred; —telco deducts the sender's mobile phone cash account with the amount of virtual cash to e transferred and credits the same amount of recipient's mobile phone cash account; —sender and recipient receive SMS acknowledgment with confirmation number from telco; —recipient if registered may not use the virtual cash for any financial transaction.

摘要翻译： 一种使用移动电话的人与人之间的现金转移交易方法，包括以下步骤： - 发送方向包含传送金额的收件人发送传送命令，发送人的PIN和接收者的手机号码; -telco验证发件人的手机现金帐户是否有足够的余额来实现转移的虚拟现金数量的转移; -telco扣除发件人的手机现金账户，以e转账的虚拟现金金额和相同数量的收款人手机现金账户; 收件人和收件人从telco收到确认号码的短信确认; - 如果注册的人不能使用虚拟现金进行任何金融交易。

公开(公告)号：US07699218B2

公开(公告)日：2010-04-20

申请号：US12069462

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimanno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimanno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G07F19/00

CPC分类号： G06Q20/16

摘要： The method of converting cash into virtual cash and loaded into a mobile phone cash account using telco's cash product services comprising the steps of: —customer going to outlet to convert cash into virtual cash using telco's product services; —customer filling up forms, showing identification; —frontliner of outlet verifying customer's identification; —frontliner accessing the device and keying command containing—customer's information, reference number of registration form, —customer's or 3rd party-recipient's mobile phone number and amount of cash to be converted to virtual cash and sends this to telco; —frontliner collecting cash to be converted to virtual cash and the service fee and issues receipt to the customer; —customer receiving SMs acknowledgment from telco that the cash has been converted to virtual cash and loaded in the recipient's mobile phone cash account; —frontliner's device receiving a message from telco (with format matching the device) of acknowledgement with confirmation number.

摘要翻译： 使用电话现金产品服务将现金转换为虚拟现金并加载到手机现金账户中的方法包括以下步骤： - 客户使用电信产品服务将现金转换为虚拟现金; - 填写表格，显示识别; 出口验证客户身份证明; 访问设备和键控命令包含客户信息，注册表格的参考号， - 客户或第三方接收者的手机号码和要转换为虚拟现金的现金数量，并将其发送给电信公司; 收取现金转换为虚拟现金和服务费用并向客户发出收据的前线; - 客户从电信公司收到SMs确认现金已转换为虚拟现金并载入收件人手机现金账户; -frontliner的设备接收到来自telco的消息（与设备的格式匹配）确认号与确认号。

公开(公告)号：US20090157546A1

公开(公告)日：2009-06-18

申请号：US12069508

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G06Q40/00

CPC分类号： G06Q20/223 ,  G06Q20/108 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3255

摘要： A person to person cash transfer transaction method using mobile phones comprising the steps of: -sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and the recipient's mobile number; -telco verifies if the sender's mobile phone cash account has sufficient balance to effect the transfer of the amount of virtual cash being transferred; -telco deducts the sender's mobile phone cash account with the amount of virtual cash to e transferred and credits the same amount of recipient's mobile phone cash account; -sender and recipient receive SMS acknowledgment with confirmation number from telco; -recipient if registered may not use the virtual cash for any financial transaction.

摘要翻译： 一种使用移动电话的人与人之间的现金转移交易方法，包括以下步骤： - 发送方向包含传送金额的收件人发送传送命令，发送人的PIN和接收者的手机号码; -telco验证发件人的手机现金帐户是否有足够的余额来实现转移的虚拟现金数量的转移; -telco扣除发件人的手机现金账户，以e转账的虚拟现金金额和相同数量的收款人手机现金账户; 收件人和收件人从telco收到确认号码的短信确认; - 如果注册的人不能使用虚拟现金进行任何金融交易。

公开(公告)号：US08577763B2

公开(公告)日：2013-11-05

申请号：US12069532

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimaano ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica A. Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G06Q40/00

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/16 ,  G06Q20/28 ,  G06Q20/32

摘要： A method of receiving virtual cash from an outlet through a mobile phone including the steps of: —customer requesting cash-out at an outlet; —customer showing identification and filling out a form; —frontliner accessing the device and keying in command containing customer's amount of cash-out and sending this to telco; —telco verifying that customer's mobile phone is registered with the telco's cash product services and that the amount of cash-out is available in the customer's mobile phone cash account and sending information to the device of the frontliner of the outlet; —frontliner of the outlet verifying that customer is registered with telco's cash product services and advising the customer of the unique transaction code; —customer paying cash-out fee; —customer keying in “CASHOUT” cash product command containing his PIN, amount to be cashed out, and his mobile phone number; —sending this command to telco; —outlet's device receiving a confirmatory message from telco of cash product service transfer; —customer receiving a SMS acknowledgment from telco of the completion of the cash product service; —customer getting virtual cash from the outlet; —outlet's device receiving an acknowledgment of the completion of the transaction and confirmation number from telco in a format matching the outlet's device.

摘要翻译： 通过移动电话从出口接收虚拟现金的方法，包括以下步骤： - 在出口处请求现金支出; - 客户显示识别和填写表格; 前线人员访问设备并键入包含客户现金支出的命令，并将其发送给电信公司; -telco验证客户的手机是否已经注册到电信公司的现金产品服务，并且客户的手机现金账户可以使用现金支出，并将信息发送到出口前端的设备; 验证客户正在电话现金产品服务注册并向客户提供唯一的交易代码的前端 - - 客户支付现金支出费用; - 客户键入“CASHOUT”现金产品指令，其中包含其PIN，金额将被兑现，以及他的手机号码; 将此命令发送给telco; -outlet的设备从电信公司接收现金产品服务转移的确认消息; - 客户从电信公司收到完成现金产品服务的短信确认; - 客户从出口获取虚拟现金; -outlet的设备以与出口设备匹配的格式从telco接收完成交易确认和确认号码。

公开(公告)号：US20090026257A1

公开(公告)日：2009-01-29

申请号：US12069462

申请日：2008-02-11

申请人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimanno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica Ann Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

发明人： Rodell Garcia ,  Raul Macatangay ,  Mickey Cayetano ,  Grace Reyes ,  Jewel Dimanno ,  Marlowe Pongol ,  Sheila Jimenez ,  Melenita Quito ,  Jenny Villanueva ,  Justine Camacho ,  Glenn Mendoza ,  Kaytee Reyes ,  Shydee Buizon-Tiambeng ,  Jessica Ann Reyes ,  Joanne Avendano ,  Verna Quinton ,  Alain Bustamante ,  Louie Domingo ,  Fernando P. Teodoro ,  Richard Matotek ,  Andrew Barnham ,  Justin Ho

IPC分类号： G07F19/00

CPC分类号： G06Q20/16

摘要： The method of converting cash into virtual cash and loaded into a mobile phone cash account using telco's cash product services comprising the steps of: —customer going to outlet to convert cash into virtual cash using telco's product services; —customer filling up forms, showing identification; —frontliner of outlet verifying customer's identification; —frontliner accessing the device and keying command containing—customer's information, reference number of registration form, —customer's or 3rd party-recipient's mobile phone number and amount of cash to be converted to virtual cash and sends this to telco; —frontliner collecting cash to be converted to virtual cash and the service fee and issues receipt to the customer; —customer receiving SMs acknowledgment from telco that the cash has been converted to virtual cash and loaded in the recipient's mobile phone cash account; —frontliner's device receiving a message from telco (with format matching the device) of acknowledgement with confirmation number.

摘要翻译： 使用电话现金产品服务将现金转换为虚拟现金并加载到手机现金账户的方法包括以下步骤： - 客户使用电信公司的产品服务将现金转换为虚拟现金; - 填写表格，显示识别; 出口验证客户身份证明; 访问设备和键控命令包含客户信息，注册表格的参考号， - 客户或第三方接收者的手机号码和要转换为虚拟现金的现金数量，并将其发送到电信公司; 收取现金转换为虚拟现金和服务费用并向客户发出收据的前线; - 客户从电信公司收到SMs确认现金已转换为虚拟现金并载入收件人手机现金账户; -frontliner的设备接收到来自telco的消息（与设备的格式匹配）确认号与确认号。

公开(公告)号：US20070106564A1

公开(公告)日：2007-05-10

申请号：US11503903

申请日：2006-08-15

申请人： Richard Matotek ,  Justin Ho ,  Andrew Barnham

发明人： Richard Matotek ,  Justin Ho ,  Andrew Barnham

IPC分类号： G06Q30/00

CPC分类号： G06Q20/204 ,  G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3224 ,  G06Q20/3229 ,  G06Q20/325 ,  G06Q20/3255 ,  G06Q20/36 ,  G06Q30/06 ,  G06Q30/0601 ,  G07F7/0886 ,  G07G1/12 ,  H04M3/42017 ,  H04W4/24 ,  H04W4/60

摘要： A system and method for provisioning one or more value added services to a postpaid/prepaid mobile account and/or a postpaid/prepaid mobile device using a wireless communication device as a point-of-sale device, is disclosed.

摘要翻译： 公开了一种用于向后付/预付费移动帐户和/或使用无线通信设备作为销售点设备的后付/预付费移动设备提供一个或多个增值服务的系统和方法。