DUA VERSI LATAR BELAKANG PRODUK MOBILE WALLET

MOBILE WALLET VERSI RENDY KUSUMA


TRANSAKSI UANG ELEKTRONIK dalam SISTEM MOBILE WALLET

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1. Latar belakang
Sehubungan dengan meningkatnya pemakaian telepon seluler dimasyarakat yang mana telahmenjangkau berbagai lapisan masyarakat dan juga dengan adanya kebutuhan masyarakat modernakan media transaksi yang lebih praktis dan bisa digunakan untuk berbagai keperluan dan tidakhanya terbatas pada pembayaran online saja serta bisa digunakan kapanpun maka muncul ide kamiuntuk merancang metode dan sistem transaksi elektronis menggunakan sarana telepon seluler ataualat telekomunikasi data personal lain.


2 Tujuan khusus pengadaan sistemMemungkinkan  transaksi dilakukan tanpa menggunakan uang (cashless) untuk pembayaranmikro   (micropayment)   hingga   Rp.10.000,-   keatas   dengan   menggunakan   ponsel   atau   alattelekomunikasi data personal lainnya untuk berbagai keperluan.

MOBILE WALLET VERSI NORMA SIT DAN TAN SENG CHUAN

BACKGROUND OF THE INVENTION

Donations, including religious donations such as the tithes, 'zakat', and alms giving in a religion such as Muslim religion (the zakat) can be carried out on a recurring basis, usually annually, but may also be carried out throughout the year. Donors contribute monies with the hopes that their donation can reach the appropriate recipients and help the recipients financially.

Donors often prefer to give their monies directly to individuals, eliminating middle men. Donation collecting institutions are often obliged to disburse the donation funds within a specific time-frame, especially before the festivities such as Muslim festivities (for the case of the zakat) or within the same year as when the donations are received from the donors. Since disbursement of the donation funds to individuals or homes may be arduous and laborious, and especially difficult within a short time- frame, donation collecting institutions resort to using the donations for developmental projects such as building schools and other facilities to improve the lives of the poor and the needy. These developmental projects would allow large sum of the donation funds to be disbursed. However, these developmental projects, while it may be useful to the poor and needy community, may neglect the financial needs of the poor and the needy, thus defeating the fundamental purpose of the donation. The challenge is how donation collecting institutions can utilize donation funds by distributing the funds EQUITABLY to poor and needy individuals. Such distribution of the donation funds may be achieved through electronic fund transfer (EFT) such that the appropriated funds are wired to each recipient. However, this would be virtually impossible to carry out, considering the poor and needy individuals usually do not possess a bank account due to their inability to gain access to financial institution and banks alike.

Donations that are collected by non-religious organisations including non-government organisations (NGOs) can be collected with a specific purpose or a non-specific purpose. These organisations face similar challenges as the religious organisations if they are in need to conduct donor fund disbursement rapidly within a short time frame if relief aide is required or if there is a limitation on the organisation to ensure that the funds are distributed to the needy individual.

Using 'zakat' as an example, zakat is most frequently contributed before the Muslim festive season. In the Muslim tradition, it is vital that the contribution of zakat reaches the recipients in a timely and orderly fashion. It would also be an additional advantage if the recipients of the donation can be traced to ensure that the recipients are deserving of the donations appropriated to them.

The zakat donation however, is usually coordinated by numerous institutions or facilities which become the "middle person" of the transaction before the donation actually reaches the recipients. The middle person may take a percentage of each donation from the donors to in order to sustain the operation of the donation collecting institutions or facilities. The operational cost of these institutions may constitute a large sum since the donation funds disbursement is usually manually handled by a large number of employees instead of being an automated process. Numerous prior arts have disclosed methods and system for the handling of donation funds such as US patent 509794 which disclosed a donation transaction apparatus and a method for facilitating donations to charitable organizations., The donation transaction apparatus disclosed allows the donors to select an organisation in which their donations will be directed to. The donations will be wired to the organisation's bank account. The prior art therefore, does not propose a method to disburse donations funds to poor and needy individuals without bank accounts and also does not collect the donation into a donation funds pool to be distributed.

Yet another prior art, US patent publication 2004/0267650 disclosed a method and a system that electronically collects monies from donors and organisation and distributes the collected monies to designated charitable and other non-profit organisation such as churches. The system essentially allows donors to donate to an organisation in a most convenient manner while deciding the frequency and amount of donation. The donations however, are also achieved via fund transfer from the donors account to the organisation's account. This therefore, does not serve the purpose of donating to individuals, particularly poor and needy individuals who do not usually have access to bank accounts.

Therefore there is a need for a system and a method for facilitating the transaction of donation funds from the donors and disbursing the funds to the recipients who do not possess a bank account and to do it rapidly, meeting either deadlines for the disbursements or deadlines based on the specific needs of the recipients.