72results about "Prepayment with on-line account/card recharging" patented technology

A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user's mobile phone, a mobile operator's interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and / or WAP or the like, a mobile payments engine, a mobile operator's prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform. The mobile payments engine receives information identifying a user's wireless telecommunication device via the mobile payments interactive voice response unit, passes the information to the mobile operator's billing system with a request for validation of a mobile account for the user, and if validation is received, the mobile payments engine receives financial source account and user identity verification information from the user, assigns a mobile personal identification number for the user, and arranges a credit from the source account to the user's mobile account.

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 for providing airtime overdraft protection is provided. In an exemplary embodiment, the system monitors or checks airtime usage of a user and determines if the user has reached an airtime threshold value. If the airtime threshold value is reached, a notification is sent to the user. The user then has an option to purchase additional discount airtime minutes in response to the notification.

A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

A method and system for redirecting communication traffic of a prepaid subscriber of a wireless network includes determining when the subscriber has exhausted or nearly exhausted his usage quota, identifying a recharging facility to which the subscriber should be redirected to recharge his account balance, and redirecting the subscriber communication traffic to the recharging facility as a result of determining that the subscriber has exhausted or nearly exhausted his usage quota. The redirection can occur during an existing session or during the process of initially establishing a session.

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.

Method and system for refilling mobile terminal prepaid phone cards via electronic distribution of refill codes. Refill codes for prepaid phone cards are distributed to end users via a prepaid phone card distributor, which contracts with mobile phone operators and prepaid phone card retailers to distribute refill codes. End users enter identification and payment information to the refill code distributor, which then records the payment and returns a refill code to the end users. End users can purchase refill codes by mediums including a computer network and refill terminals located at retail shops.

A controlling party can set limitations on a controlled party's access to applications operating on the controlled party's wireless mobile communication device. The controlling party can effectuate these limitations via various different mechanisms. In one instance, the controlling party uses another wireless communication device to effectuate the limitations. In another instance, the limitations are effectuated by the controlling party's operation of a data processing apparatus connected by a wired data communication bus to the controlled party's wireless mobile communication device. In a still further instance, the controlling party effectuates the limitations by accessing a website supported by a web server.

A method for crediting a customer account maintained by a vendor of services in response to payment received from a customer is disclosed herein. The method includes issuing, to the customer, a membership account number associated with at least the customer account. A membership account number and a payment corresponding to a requested amount of a service offered by the vendor are received from the customer at a point-of-sale. The method further includes generating, at the point-of-sale, an authorization message including at least the membership account number and embedded transaction information identifying the service offered by the vendor and the requested amount. The embedded transaction information is then communicated from the point-of-sale to a database server. The customer account is credited, in response to the embedded transaction information, based upon an amount of the payment. The method also includes electronically transferring funds based upon the amount of the payment from a first account associated with the point-of-sale to a second account associated with the vendor.

A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

The present invention comprises a system and method for providing a personal identification number (PIN) to a client terminal over a computer network. In accordance with one aspect of the present invention, a host connection manager receives a request for a PIN, which is associated with a particular monetary value. The host connection manager transmits the request for the PIN to a server, and the host connection manager receives the PIN from the server. In addition, the host connection manager is adapted to receive a client request indicative of the particular monetary value. The client request is generated at the client terminal and is transmitted from the client terminal to the host connection manager. In response to the client request, the host connection manager sends the PIN associated with the particular monetary value to the client terminal.

Near real time Internet access of prepaid call history and replenishment data is provided via an Internet browser separate from the prepaid device to a user (e.g., the subscriber), allowing a subscriber to access call history and / or replenishment information nearly in real time (e.g., within a minute of the expense / credit) without requiring assistance from a customer service representative. A web based prepaid report page retrieves call history and / or replenishment information from the subscriber's service provider, and displays the same through a web browser for review by the subscriber. The requested call history and / or replenishment information may be bounded by date, date and time, or even within specific time range(s) within each day in a given range of days. The web based prepaid report page may also link the user to a replenishment application for the subscriber, to assist the subscriber in replenishing their account after having reviewed their call history and prepaid account status in near real time. The call history and account balance information is preferably updated in near real time after the completion of a call, which is then accessed by the web based prepaid report page. Substantially immediately after a prepaid call is ended, the web based prepaid reporting application formulates a Call Detail Record (CDR) and sends it over a TCP / IP link to the web based prepaid reporting application, which stores the CDR in a local database. Then, a user may access this CDR / RR information in near real time, after appropriate log-in with, e.g., a user ID of the subscriber (e.g., MIN number based), and perhaps a password. Once the requested information is entered, the web based prepaid reporting application queries its local database, formats an appropriate response to the user's request, and presents the call history and / or replenishment information to the web browser of the user.

Near real time Internet access of prepaid call history and replenishment data is provided via an Internet browser separate from the prepaid device to a user (e.g., the subscriber), allowing a subscriber to access call history and / or replenishment information nearly in real time (e.g., within a minute of the expense / credit) without requiring assistance from a customer service representative. A web based prepaid report page retrieves call history and / or replenishment information from the subscriber's service provider, and displays the same through a web browser for review by the subscriber. The requested call history and / or replenishment information may be bounded by date, date and time, or even within specific time range(s) within each day in a given range of days. The web based prepaid report page may also link the user to a replenishment application for the subscriber, to assist the subscriber in replenishing their account after having reviewed their call history and prepaid account status in near real time. The call history and account balance information is preferably updated in near real time after the completion of a call, which is then accessed by the web based prepaid report page. Substantially immediately after a prepaid call is ended, the web based prepaid reporting application formulates a Call Detail Record (CDR) and sends it over a TCP / IP link to the web based prepaid reporting application, which stores the CDR in a local database. Then, a user may access this CDR / RR information in near real time, after appropriate log-in with, e.g., a user ID of the subscriber (e.g., MIN number based), and perhaps a password. Once the requested information is entered, the web based prepaid reporting application queries its local database, formats an appropriate response to the user's request, and presents the call history and / or replenishment information to the web browser of the user.

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.

A method, system and apparatus for service management. In accordance with the present invention, a service management method can include the steps of receiving a telephone call from a service subscriber over a PSTN and identifying the service subscriber through identifying information received externally to the received telephone call. Importantly, a service term for a subscription associated with the service subscriber can be modified only if payment can be resolved on behalf of the service subscriber.

A novel virtual calling card system and method aid in the formation of online relationships, serving as an introduction tool and as a contact mechanism. The calling card is an exchangeable entity that is automatically updated, ensuring that the recipient or viewer sees the most current version of the card. The card may display an aspect ratio that is the same as that of a traditional business card, and has a front side and a reverse side. Furthermore, the card provides a number of avenues for the card owner to express themselves, including an array of affiliation symbols, a most recent mood symbol, and a text field. The reverse side of the card can display a representation of the owner's social network, so that the recipients of the card may identify common friends and associates. Thus, the server-based card exchange appears to users as an exchange in the physical world.

There is provided a prepaid system able to reduce inconvenience caused by issuing and using a large number of prepaid cards. A communication terminal purchases a prepaid number related to a predetermined amount of money by using a deposit of the communication terminal made in advance and managed by the prepaid system, and pays for its communication charge using the predetermined amount of money related to the prepaid number. Or, the communication terminal uses a prepaid count set in advance and managed by the prepaid system to pay for its communication charge before or after the communication made by the communication terminal. Or, the communication terminal assigns a part of its prepaid count managed by the prepaid system to other communication terminals to pay for their communication charges before or after the communications made by the other communication terminals.

A controlling party can set limitations on a controlled party's access to applications operating on the controlled party's wireless mobile communication device. The controlling party can effectuate these limitations via various different mechanisms. In one instance, the controlling party uses another wireless communication device to effectuate the limitations. In another instance, the limitations are effectuated by the controlling party's operation of a data processing apparatus connected by a wired data communication bus to the controlled party's wireless mobile communication device. In a still further instance, the controlling party effectuates the limitations by accessing a website supported by a web server.

A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

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.

The invention discloses a method, which implements recharging at different locations for mobile prepaid service, based on intelligent network. The method sets SDP of intelligent network outside of SCP. All rechargeable card data of mobile prepaid service are stored in the said SDP. When mobile prepaid service subscriber dials access number for recharging, call is routered to SSP. After analyses signaling number of the call, SSP determines home SCP of it and reports intelligent call to the home SCP. Then, all the recharging procedure is controlled by the home SCP. The home SCP updates subscriber data and rechargeable card state, through interaction with the said SDP. By implementing the invention method, complication of engineering, data management and statistic is reduced and it is easier to expand.

A method for recharging chip cards, the recharging being made from a terminal which is connectable to a service center for recharging the chip card. During the process either data are filled in a filling-in coupon or the data are gained by reading a bar code in combination with a manual input. The data contain at least the identification number of the chip card to be recharged and a sum by which the chip card should be credited. Then the correctness of the filed data is executed either directly in the terminal or the terminal is connected to a datacenter where the checking of the meaningfulness of the filed data is executed. If the checking has a positive result, the value corresponding with the desired sum is transferred to the chip card or an account associated by means of the identification number with the card is increased by the mentioned value. A device for executing the recharging of chip cards consisting of a terminal connectable to a datacenter, the datacenter containing a database of chip cards identification numbers.

A system and method for obtaining a personal identification number (PIN) from a client terminal is disclosed herein. The method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal.

A mobile terminal device has an information processing unit that processes electronic money information and a storage unit that stores the electronic money information. A receiving unit receives from an electronic money server an electronic money identification (ID), a mobile terminal identification (ID) identifying the mobile terminal device, and a money information processing program for enabling the information processing unit to execute processing of the money information stored in the storage unit. An installation unit installs into the storage unit the money information processing program and the IDs received by the receiving unit. A sending unit sends to the electronic money server information necessary for enabling the electronic money server to provide electronic money service, the necessary information being sent to the electronic server before the receiving unit receives the money information processing and the IDs.

A system and method for providing prepaid dialtone services. The system includes a prepaid dialtone service center having an applications server that maintains a prepaid dialtone subscriber database including subscriber identification and service period information. The applications server is configured to automatically remind subscribers to renew their prepaid dialtone account and communicates with a local exchange carrier to place a hold on, or cancel, an expired subscriber account. The method includes the features of determining and monitoring a service period for a prepaid dialtone subscriber, communicating a reminder to the subscriber prior to expiration of the service period, and communicating with a local exchange carrier servicing the subscriber upon expiration of the service period.

A cellular telecommunications system having a security feature which allows only pre-authorized users to complete cellular telephone calls. The system and method recognizes a cellular radiotelephone's pre-programmed and pre-selected telephone number and an automated number identification code (ANI). The pre-selected telephone number is reserved to the pre-paid cellular telecommunications system. The cellular radiotelephone transmits the ANI and a dialed number identification system code (DNIS) to a cellular switch, which contacts a host computer for call validation by the pre-paid service provider. This system also allows pre-authorized users to receive and pay for incoming calls as well as purchase additional airtime and monthly access fees with convenient pre-paid cards.