Method and system to charge an account
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.
1. An account charging method for depositing virtual currencies into a user account over a network, the method comprising:
establishing a third party intermediary account by a computing device including one or more processors;
receiving, from a computing device associated with a first user, information associated with an amount of a charging amount;
depositing, into the third party intermediary account, virtual currencies corresponding to the amount of the charging amount, wherein the virtual currencies are associated with conventional currencies and wherein the virtual currencies are subsequently deposited to a charging account of a second user;
designating a time limit that starts when a notification is received which indicates that the second user has made a payment for the virtual currencies corresponding to the amount of the charging amount, wherein the payment is made using a certain amount of the conventional currencies corresponding to the amount of the charging amount; and
transferring the virtual currencies to the charging account of the second user upon receiving payment confirmation within the time limit, the payment confirmation indicating that the first user has received the payment for the virtual currencies using the certain amount of the conventional currencies.
2. The account charging method as recited in claim 1 , further comprises:
establishing an online charging store that provides charging functionalities including at least one of verifying a user identification, displaying user information, or providing charging information.
3. The account charging method as recited in claim 2 , further comprises:
determining, by the second user, the amount of the charging amount through the online store;
sending a certain notification to the first user after the second user has determined the amount of the charging amount through the online charging store, the sending the certain notification comprising sending identifying information of the second user.
4. The account charging method as recited in claim 1 , further comprises providing the second user with a set of information associated with the charging amount, the set of information comprising depositing information notifying the second user that the charging amount has been deposited in the intermediary account.
5. The account charging method as recited in claim 1 , wherein the charging amount comprises at least one of an electronic business account amount, or a communication account amount.
6. The account charging method as recited in claim 1 , further comprises providing a negative comment to the second user in response to a determination that the notification is not received within an additional time limit.
7. The account charging method as recited in claim 1 , further comprises providing a negative comment to the first user in response to a determination that the payment confirmation is not received within an additional time limit.
8. An account charging system for charging a user account over a network, the system comprising:
memory;
one or more processors coupled to the memory;
an account module configured to:
establish a third party intermediary account,
receive, from a computing device of a first user, information associated with an amount of a charging amount,
and
deposit, into the third party intermediary account, virtual currencies corresponding to the amount of the charging amount, wherein the virtual currencies are associated with conventional currencies and wherein the virtual currencies are subsequently deposited to a charging account of a second user; and
a charging module configured to provide the second user with a set of information associated with the charging amount,
designating a time limit that starts when a notification is received which indicates that the second user has made a payment for the virtual currencies corresponding to the amount of the charging amount, wherein the payment is made using a certain amount of the conventional currencies corresponding to the amount of the charging amount, and
transfer the virtual currencies to the charging account of the second user upon receiving payment confirmation from the first user within the time limit, the payment confirmation indicating that the first user has received the payment for the virtual currencies using the certain amount of the conventional currencies.
9. The account charging system as recited in claim 8 , wherein the charging module is further configured to:
receive charging confirmation from the second user, the charging confirmation indicating that the second user determines the amount of the charging amount; and
notify the first user with account information associated with the account associated with the second user.
10. The account charging system as recited in claim 9 , further comprises a user module configured to store user identifying information, the user identifying information associated with the second user and being passed on to the first user when the system receives the payment confirmation from the first user.
11. The account charging system as recited in claim 8 , wherein the charging module further provides a negative comment to the second user in response to a determination that the notification is not received within an additional time limit.
12. The account charging system as recited in claim 8 , wherein the charging module further provides a negative comment to the first user in response to a determination that the payment confirmation is not received within an additional time limit.
13. A method for a charging process facilitated by a computer system, the method comprising:
establishing a third party intermediary account;
receiving, from a computing device associated with a first user, information associated with an amount of a charging amount;
depositing, into the third party intermediary account, virtual currencies corresponding to the amount of the charging amount, wherein the virtual currencies are associated with conventional currencies and wherein the virtual currencies are subsequently deposited to a charging account of a second user;
providing the second user with information associated with the charging amount;
designating a time limit that starts when a notification is received which indicates that the second user has made a payment for the virtual currencies corresponding to the amount of the charging amount, wherein the payment is made using a certain amount of the conventional currencies corresponding to the amount of the charging amount;
transferring the virtual currencies to the charging account of the second user upon receiving a payment confirmation within the time limit; and
if no payment confirmation is received within the time limit, terminating the charging process upon receiving a cancellation notification within the time limit,
the cancellation notification indicating at least one of the first user and the second user has canceled the charging process.
14. The method as recited in claim 13 , further comprising:
setting a payment time limit after depositing, into the third party intermediary account, the virtual currencies corresponding to the amount of the charging amount; and
if the payment notification is not received within the payment time limit, terminating the charging process.
15. The account charging method as recited in claim 13 , further comprises:
providing a negative comment to the second user in response to a determination that the notification is not received within an additional time limit.
16. The account charging method as recited in claim 15 , further comprises providing another negative comment to the first user in response to a determination that the payment confirmation is not received within the time limit or the additional time limit.