Travel Bank
If you book a ticket and cancel within 24 hours, you're entitled to a refund to original form of payment, so funds will return to your Travel Bank - with the same expiration as it had before.
If you book a ticket and cancel after 24 hours, you get an Electronic Travel Certificate (ETC) in the name of the passenger. To be used by that passenger. with an expiration 2 years from the date it was created.
Although if you cancel within 24 hours, it was reported that someone called and got an ETC instead of a Travel Bank refund.