Method and system to charge an account
US8793169B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 2, 2007 |
| Grant date | Jul 29, 2014 |
| Priority date | — |
| Expiry date | Sep 23, 2028 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04M17/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The present invention provides an account charging method used for charging a user account over a network, including: establishing an intermediary account; saving a second user's charging amount sent by a first user in the intermediary account; and if a confirmation message of receiving a payment is received from the first user, transferring the said charging amount to an account of the second user. The invention facilitates and expedites the charging process, and thereby improves the account charging efficiency, fully utilizes network resources, and greatly reduces the cost of account charging. The intermediary account of the invention can ensure the security and integrity of the account charging process, and thus eliminates the bottleneck of too few online banking users and low maximum payment limitation of the public edition of online banking, increases network usage efficiency, and takes full advantages of speed, convenience and low cost of online transactions. This enables mass users to charge their accounts without having to activate online banking and without any limitation to maximum amount of payment.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.