154results about "Account details/uasge" patented technology

A system and method for the real-time management of a device, and more particularly to the establishment and enforcement of policies or rules associated with the feature or functions that may be performed with the device. Modern communication devices are capable of many things, including making and receiving calls, exchanging data, playing games and music, sending and receiving email, accessing web sites, and paying for goods and services. Depending on who is using the communication device, such as a child or an employee, there may be a need or desire to regulate how that communication device can be used and to determine who will pay for what goods or services. In addition to providing all of the features associated with a device, service providers need to be able to establish and enforce rules (policies) regulating how and when that device can be used and who will pay for a good or service requested by the user of the device.

A mobile phone system with a mobile phone having internal accounting capabilities for real time call debiting to account for the billing parameters of a mobile phone unit that is operated in a multi zone communication network with a complex rate structure, the mobile phone unit having an internal processor with accessible internal memory for storing the accounting program and call data for each call, a clock and circuit means for activating and deactivating the phone, the accounting program including an updatable rate table and a complex billing algorithm for calculating the account status on the fly including multiple rate structure factors such as long distance calls, international calls with country independent local charges, charges for roaming per day and / or roaming per minute, and call surcharges, where the account status of the mobile phone is calculated in real time for decrementing a debit account or calculating an account charge on demand, the mobile debit phone having a signal for alerting the user of account status which is preferably a display of real time account status, the mobile phone system including a communication system for activating and programming a new phone unit over the airways and upgrading the account status in rate table in the phone unit over the airways.

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.

A system and method for the real-time management of a device, and more particularly to the allocation of electronic wallets that are associated with one or more devices and various controls that enable at least two entities to manage how the device is utilized for various activities and to pay for goods and services. Each device is associated with at least two electronic wallets, a user wallet and an administrator wallet. The administrator can establish rules that designate how and when the device can be used and which wallet will be used to pay for goods and services desired by the user, but in the event the user wallet is depleted or low on funds, the administrator wallet can serve as a backup funding source for specified types of goods and / or services. Additional wallets can also be associated with the device to authorize and pay for goods and services, under the control of the administrator wallet, such as a promotional wallet that could be designated for use with the device before a primary or administrative wallet was used, or a dynamic wallet that could be associated for use with multiple different devices as well as other wallets, but acts in conjunction with the user and administrator wallets. Additional rules can be established to perform many other functions, such as manage the movement of value between wallets and from other sources to the wallets.

Location-based subscriber identity update in a wireless user equipment (UE) device. A location of the UE may be determined. An indication of a plurality of network connectivity options may be provided via a user interface. The plurality of network connectivity options may be provided based on the location of the UE. User input selecting a network connectivity option may be received via the user interface. The UE may be configured according to the selected network connectivity option in response to the user input.

A computerized balance management system includes a balance manager that maintains a database having pre-paid accounts. The accounts will have data such as account balance and other account configuration data. The system also communicates with a plurality of servers that are coupled to a mobile network. The servers may include a content server, a mobile commerce server, or an intelligent network platform server. The balance manager is operative to perform the tasks of receiving queries from at least one of the plurality of servers, calculating a reservation amount based on the query and reserving the reservation amount against the pre-paid account.

Methods and systems for using a Radio Frequency Identification (RFID) payment card are disclosed herein. The method generally comprises receiving an indicia identifying an RFID card, receiving a request to activate the RFID card, activating the RFID card by associating an initial value with a database record associated with the RFID card; receiving a PIN associated with the RFID card; receiving profile information; and associating the profile information with the database record. Systems for using RFID cards generally comprise an RFID card, an RFID account associated with the RFID card, a merchant communication module that receives indicia identifying the RFID card and sends a request to activate the RFID card, and a central processor or intermediary that receives a PIN associated with the RFID card and a request to activate the RFID card from the merchant communication module.

A subscriber of a communications network is enabled to top-up an account for a multimedia service provided on the communications network while the service is being provided. Real-time prepaid charging may be applied to a multimedia service being provided to a subscriber of a communications network. Both a count and a time period may be determined from an account balance, and the number of information units exchanged during the service and the duration of the service may be compared against the count and time period, respectively. Further processing may be defined to be performed if either and / or both thresholds are reached. A subscriber of a communications network may be notified of a threshold amount of service being reached while the service is being provided using the same session as is being used to provide the service (in-band) or using a different session (out-of-band). Further, a subscriber may be notified of a threshold being reached using a Short Message Service (SMS) by sending an SMS message to the subscriber. A subscriber of a communications network may be enabled to top-up a service account while the service is being provided using the same session as is being used to provide the service (in-band) or using a different session (out-of-band). To notify the client that a threshold for a service has been reached and / or to enable the client to top-up, either in-band or out-of-band sessions may be used based on any of a number of factors, including a characteristic of the session in progress implementing the service, the capabilities of the user terminal, the capabilities of the application and application server providing the service, or any combination thereof. A session for providing a multimedia service may be implemented using a multimedia control protocol capable of controlling (e.g., initiating, maintaining and terminating) a session that includes the exchange of multimedia content, including audio, video, data or any combination thereof. For example, such protocol may be the Session Initiation Protocol (SIP). Service content transmitted from a server to a subscriber on the subscriber's user terminal may be buffered (e.g., cached) in a buffer while the subscriber is provided the opportunity to top-up the account. While the subscriber is being enabled to top-up a prepaid account for a service, a different billing method, for example, postpaid charging, may be applied for the service until the subscriber tops-up or until the opportunity to top-up has elapsed.

A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer having a customer account. The identifier has an associated service value that is redeemable with a plurality of carriers. The method further includes activating the identifier upon distribution of the indicia to the customer. A central processor may verify whether the merchant is authorized to distribute the indicia to the customer. During distribution to the customer, the merchant may transmit prior transaction information to the central processor, and the central processor may reconcile past billing records based on such prior transaction information. The method also includes receiving a request from the customer to add the associated service value to the customer account and adding the associated service value to the customer account is disclosed. The system and method may be used with any type of stored-value card account, including prepaid emergency road service cards.

Methods for adding minutes to a calling plan having a calling plan period. The methods including determining whether a threshold number of minutes have been reached during the calling plan period; and incrementally adding minutes to the calling plan when the threshold number of minutes has been reached. The cost per minute of the added minutes is less than the high-cost per minute rate normally associated with exceeding the threshold number of minutes during the calling plan period.

A system and method for monitoring and reporting a volume of data transferred between a Mobile Station (MS) and a data network during a data session. A Prepaid Server (PPS) maintains an MS account and informs a AAA Server of a predetermined volume of data that may be transferred during the session. A Packet Data Service Node (PDSN) sends interim accounting messages to the AAA Server which determines when the predetermined volume of data has been transferred, and notifies the PPS. When the account balance goes below a threshold volume, the data session is terminated. During handoff of the MS from a first PDSN to a second PDSN, a data tunnel is established between them. When the handoff is complete, the tunnel is torn down. The first PDSN reports the volume of data transferred through the tunnel to the second PDSN which reports the volume to the AAA Server.

A system and method for confirming transactions is provided. A central processor receives a request to process a current transaction coupled with prior transaction information corresponding to a prior transaction. In response to receiving a prior transaction identifier, the central processor determines whether the prior transaction and the first transaction are identical based on the prior transaction information. If the prior transaction is determined to be different from the first transaction, the central processor amends a first transaction record to indicate that the first transaction is a questionable transaction.

The present invention relates to arrangements for charging in a packet switched network. Packets are charged differently dependent on which service flow the packets belong to. The charging system comprises a control system and a serving element residing in a packet forwarding system wherein said control system comprises an account function adapted to manage an account of at least one user and a charging policy decision point arranged to calculate a charging policy for allowed services for the at least one user. Moreover, said serving element comprises a token bucket per user adapted to store reservations received from the account function of the user associated with the token bucket and a charging policy enforcement point arranged to perform charging for a plurality of the allowed services by reducing the stored reservation of the token bucket according to the calculated charging policy.

In a relationship in which a universal prepaid telecommunication services card issuer is different than a telecommunication services provider, a method and system for implementing a universal prepaid telecommunication services card (prepaid card), which can be used as a prepaid card for a plurality of services providers providing one or more telecommunication services. The method comprises a card issuer providing a prepaid card having a identification number associated with the prepaid card. Upon receiving a prepaid card activation request from a card seller or distributor, the card issuer activates the prepaid card. After the card is activated, the card issuer can receive a request to use the card from a user. The card issuer then receives from the user the identification number associated with the prepaid card and validates the identification number. Upon validation of the identification number, the card issuer receives from the user a service request for a particular service provider. The card issuer then communicates the service request to the particular service provider.

A system and method for supplying communication service value is disclosed. In one embodiment, the method includes distributing indicia of an identifier to a merchant for distribution to a customer having a customer account. The identifier has an associated service value that is redeemable with a plurality of carriers. The method further includes activating the identifier upon distribution of the indicia to the customer, receiving a request from the customer to add the associated service value to the customer account, and adding the associated service value to the customer account is disclosed. In a further embodiment, the request includes identifier input and customer account input, and receiving a request from the customer to add the associated service value of the identifier to the customer account further includes verifying the identifier input and verifying the customer account input.

A communication account system for dynamically providing communication accounts to communication devices for immediate transfer to users. The communication account system comprises a communication account server and an interface system coupled to the communication account server. The communication account server is configured to validate a communication device in response to a communication account request message from the communication device, associate a communication account with the communication device in response to the validation, and generate a response message indicating the communication account in response to the association. The interface system is configured to receive the first message from the communication device and transfer the second message to the communication device for the communication account server.

A service control point transmits a recharge request message or advice of charge to a mobile client resident in a wireless communications device. The message is first received by a wireless telephony application server that then forwards the message to a wireless access protocol gateway. The wireless access protocol gateway then sends the request to the mobile client. The user of the mobile client responds with an affirmative or negative answer to the request to recharge the prepaid telephone airtime account. The service control point then either recharges the account as instructed or lets the account expire, depending on the response from the user.

In a relationship in which a customer has obtained a prepaid telecommunication services credit from a universal prepaid telecommunication services credit issuer (202), the issuer being a different entity than a telecommunication services provider (204), the present invention provides a method and system for fulfilling an account of a customer (208) with the provider using a card (100) of prepaid credit, which can be used to obtain prepaid telecommunication services from the provider.

A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.

A method for real-time bundled call processing and billing telecommunications services includes the steps of recognizing a real-time bundled account access call at a telecommunications carrier switch, and routing the real-time bundled account access call to a real-time bundled call processing and billing call management platform coupled to the telecommunications carrier switch. An account number and an optional personal identification number associated with the account are collected and verified. A destination number is then collected. A customer credit profile associated with the real-time bundled account is obtained from a database, and a method of computing charges associated with terminating the call to the collected destination number is determined. Next, whether the customer credit profile permits the call is determined. The call is released to the telecommunications carrier switch for line termination if it is permissible, and the call is monitored for call completion. The charges associated with the call are then posted to the real-time bundled account.

A method of providing pre-authorized communication services and / or transactions via a plurality of networks, including accepting and processing a request from a user to provide at least one of a communication service, a transaction and user account information via a plurality of networks of different types, verifying that the user is authorized to receive the at least one of the communication service, the transaction, and the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service and the transaction and charging, in real time, an authorized account associated with the user as the at least one of the communication service and the transaction is provided.

A system and method of monitoring number portability in a communication system, comprising transmitting ported-out information to a network element are disclosed. The system includes an originating network and a recipient network. The originating network includes a first network element for establishing a call to a ported-out subscriber and for transmitting ported-out information.

It is an object to provide a mobile terminal device, such as a mobile phone using electronic-money service, in which information is easily managed upon installing a value processing function to the mobile terminal device. An IC chip for non-contact IC card is installed to a mobile phone 7 having an Internet access function. At the selling time of the mobile phone 7, an application program is not installed in the IC chip. A user purchases the mobile phone 7, thereafter, accesses an electronic-money server 2 from the mobile phone 7, and installs a value processing program to the IC chip. The electronic-money server 2 and the mobile phone 7 are cooperated and install the value processing function. In the installing processing, the mobile phone 7 receives secret information from the electronic-money server 2 for the purpose of ensuring the security, and installs the information to the IC chip.

Systems and methods which detect unauthorized, impermissible, or otherwise undesired call activity through the use of one or more third party databases are shown. For example, a controlled environment facility information management system may access a database external thereto, such as a victim notification database, which is created and maintained by a third party unrelated to the controlled environment facility. Such third party database access may be accomplished at the point of call validation or caller verification for determining the treatment of the call (e.g., allowed, blocked, allowed with limitations, etcetera). Such call treatment determinations may be made with respect a particular prisoner or other resident of the controlled environment facility making the call, may be made with respect to all calls made from a particular controlled environment facility, may he made with respect to a group of controlled environment facilities, etcetera.

Systems and methods which detect unauthorized, impermissible, or otherwise undesired call activity through the use of one or more third party databases are shown. For example, a controlled environment facility information management system may access a database external thereto, such as a victim notification database, which is created and maintained by a third party unrelated to the controlled environment facility. Such third party database access may be accomplished at the point of call validation or caller verification for determining the treatment of the call (e.g., allowed, blocked, allowed with limitations, etcetera). Such call treatment determinations may be made with respect a particular prisoner or other resident of the controlled environment facility making the call, may be made with respect to all calls made from a particular controlled environment facility, may be made with respect to a group of controlled environment facilities, etcetera.