MOBILE DEVICE COMMUNICATION SYSTEM
A method and system to conduct financial transactions over a communication network is provided. A purchase request is received via a communication network, the purchase request associated with a mobile airtime account of a user. A purchase amount and a merchant account are identified based on the purchase request. A financial account module is configured to debit a financial account of the user with the purchase amount and credit the merchant account with at least a portion of the purchase amount. Also, an airtime account module to credit the mobile airtime account of the user.
1 . A method comprising:
receiving a purchase request via a communication network, the purchase request associated with a mobile airtime account of a user;
identifying a purchase amount and a merchant account based on the purchase request;
debiting a financial account of the user with the purchase amount;
crediting the merchant account with at least a portion of the purchase amount; and
crediting the mobile airtime account of the user.
2 . The method of claim 1 , further comprising crediting a portion of the purchase amount to a mobile service provider managing the mobile airtime account of the user.
3 . The method of claim 1 , wherein the mobile airtime account of the user is credited based on the purchase amount.
4 . The method of claim 1 , wherein the mobile airtime account of the user is credited a fixed value for each purchase request received.
5 . The method of claim 1 , wherein the mobile airtime account of the user is credited a predetermined number of airtime minutes.
6 . The method of claim 5 , wherein the predetermined number of airtime minutes is associated with at least one restriction.
7 . The method of claim 1 , wherein the purchase request is for a purchase of airtime.
8 . The method of claim 1 , wherein the mobile airtime account is not debited for access to the communication network associated with the purchase request.
9 . A system comprising:
a purchase request infrastructure to:
receive a purchase request via a communication network, the purchase request associated with a mobile airtime account of a user, and
identifying a purchase amount and a merchant account based on the purchase request;
a financial account module to:
debit a financial account of the user with the purchase amount, and
credit the merchant account with at least a portion of the purchase amount; and
an airtime account module to credit the mobile airtime account of the user.
10 . The system of claim 9 , wherein the financial account module is further to credit a portion of the purchase amount to the mobile service provider as a service fee.
11 . The system of claim 9 , wherein the airtime account module is to credit the mobile airtime account of the user based on the purchase amount.
12 . The system of claim 9 , wherein the airtime account module is to credit the mobile airtime account of the user a fixed value for each purchase request received.
13 . The system of claim 9 , wherein the airtime account module is to credit the mobile airtime account of the user a predetermined number of airtime minutes.
14 . The system of claim 13 , wherein the predetermined number of airtime minutes is associated with at least one restriction.
15 . The system of claim 9 , wherein the purchase request is for a purchase of airtime.
16 . The system of claim 9 , wherein the mobile airtime account is not debited for access to the communication network associated with the purchase request.
17 . A non-transitory machine-readable medium comprising instructions that when executed by a machine perform operations, the operations comprising:
receiving a purchase request via a communication network, the purchase request associated with a mobile airtime account of a user;
identifying a purchase amount and a merchant account based on the purchase request;
debiting a financial account of the user with the purchase amount;
crediting the merchant account with at least a portion of the purchase amount; and
crediting the mobile airtime account of the user.
18 . The non-transitory machine-readable medium of claim 17 , further comprising allocating a service fee to the mobile service provider.
19 . The non-transitory machine-readable medium of claim 18 , wherein the service fee is a portion of the purchase amount.
20 . The non-transitory machine-readable medium of claim 17 , wherein the mobile airtime account of the user is credited a number of airtime minutes, the airtime minutes having at least one restriction.