70results 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 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 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 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.

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.

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.

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 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.