254results about "Prepayment with prepaid account/card recharging" patented technology

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 transferring money by use of a prepaid card account is disclosed wherein two cards are issued to the user accountholder, one of which is provided to another user, and either user may add value to the prepaid account so that the other user may use the card and that value in a financial transaction.

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.

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.

In one aspect, this invention relates to a new method for using a mobile telephone, in conjunction with a payment transaction server, as an authentication and cash payment device of a cash deposit made into an ATM / KIOSK for a variety of financial transactions where a cash payment is desired. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to / from one stored value account to another. It is emphasized that this abstract is provided to enable a searcher to quickly ascertain the subject matter of the technical disclosure and is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims.

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 enables telephony services when roaming in a visited mobile network (108) to a user subscribing to a home mobile network (104) and having a prepaid account with a balance at the home mobile network (104). The system includes a home intelligent gateway (106) integrated into the visited mobile network (108), and a global packet switch network (100) connected to the home intelligent gateway (106) and to the visited intelligent gateway (102). The home intelligent gateway (102) and the visited intelligent gateway (106) are configured to communicate via the global packet switch network (100) in order to manage the telephony services in real-time according to the balance.

Disclosed are systems and methods which provide techniques providing account setup, management and transaction authorization determinations in real-time using transaction interrupt messaging. Embodiments preferably take into consideration the quality of one or more parties to the transaction and the means by which charges may be rendered to them when making account setup, management, and / or transaction authorization determinations. Accordingly, transactions, such as collect calls, meeting at least some minimal risk threshold may be completed on a first call attempt, even where a pre-arranged billing agreement or other business relationship is not previously in place.

A wireless communications system providing interactive voice response is disclosed. The system is menu-driven, and can accept information and requests from customers. In response to one type of request, the system can provide the customer with information regarding locations where pre-paid calling cards can be purchased. The system also includes provisions that provide customers with locations that are close to or within a ZIP code entered by the customer. Customers can also retrieve multiple locations.

A method of providing a mobile telecommunications Service Plan to a multi-member user group is provided. The Service Plan provides a predefined total resource allotment which is shared by the group once each billing cycle. The Service Plan enables a member to define separate resource allowances for each group member. Resource usage warning thresholds are defined which alert a member when the member approaches using all of his or her resources. The Service Plan enables a member to receive a resource allotment transferred from a second member upon obtaining permission from the second member. The Service Plan can also enable a member to purchase additional service resources apart from the allowances if so desired.

Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a plurality of converters to interface with a plurality of controllers in different formats for delivery of premium messages; and a common format processor coupled with the plurality of converters in a common format to send the premium messages. In one embodiment, the common format processor is to obtain an authorization for the initiation of communications with a mobile phone of a user for subsequent payments to a merchant. After obtaining the authorization, the common format processor may directly initiate communications with the mobile phone, using one of the converters, to obtain confirmation of payments directly requested by the merchant. Upon confirmation with the mobile phone, the common format processor may send premium messages to the mobile phone to collect funds for making the confirmed payments.

An Internet-based audio / video and VoIP telephone visitation system for prisons wherein audio / video and VoIP visitation may be originated by either an inmate or an outside visitor. An inmate uses an individual portable electronic device in his / her possession to communicate exclusively with the visitation system. Through the visitation system video messages, video visitations, and VoIP telecommunications may be exchanged between the inmate and a registered visitor having an Internet-enabled device. Communication requires no endpoint control by prison personnel. All communications may be subject to intervention, recordation, and monitoring by prison personnel. Payment for services is prepaid by visitors using an on-line payment service eliminating involvement of prison personnel. All non-privileged calls are recorded. All calls may be monitored. A fee-per-minute is charged. Time is tracked for each call. The call duration and time remaining for a call may be displayed for both the visitor and the inmate.

The photovoltaic cells (1a, 1b) of the assembly are disposed side by side between a front (10) and rear (11) glass substrates and are connected in series by means of front (12) and (13) rear connecting conductors and of interconnection elements (14). The connecting conductors can be formed on the internal face of each glass substrate facing the location of each of the cells or obtained by laser cutting, through the glass substrates, of conducting strips tightened beforehand between the cells and the glass substrates. The electrical interconnection elements (14) are disposed between two adjacent cells (1) to connect the opposite connecting conductors associated to two adjacent cells. A sealing joint (16), made of inorganic material, arranged between the two glass substrates (10, 11), defines a sealed internal volume which contains all the cells (1). Sealing is performed between 380° C. and 480° C. for a period of less than 30 minutes.

Network status information is provided to a mobile device. The data usage of the mobile device is tracked. A data usage criterion is determined from an account for the mobile device. The account information is stored on at least one server. The data usage is compared with the data usage criterion. Based on the comparison, it is determined whether the data usage meets the data usage criterion. Upon determining that the data usage meets the data usage criterion, a notification message is sent to the mobile device in real time through an information element field within an existing message in a bearer channel of the wireless packet data communication network. The notification message may instruct the mobile device to prevent generation and / or transmission of automatic network access requests while allowing user-initiated network access requests.

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 providing a quantity of pre-paid telephone time from an automated teller machine (ATM) or a point-of-sale device (POS terminal), to a patron of either of such device. PIN numbers, obtained from a telephone service provider and each designating a pre-paid quantity of telephone service time, are made available to the ATM or POS terminal. The patron is queried by the device if he / she wishes to purchase telephone time. Upon selection of a quantity of pre-paid telephone time by a patron and payment for such purchased quantity of time, the device selects a particular PIN number having an associated quantity of telephone time corresponding to the quantity of telephone service time purchased by the patron, and provides such PIN number to the patron. In a preferred embodiment the PIN number is provided to the patron by being printed out on the ATM's existing account statement printer, or on the account statement printer of a POS terminal if a POS device is alternatively employed. An ATM to permit patrons of such ATM to purchase a quantity of telephone time from one of a plurality of telephone service providers is further disclosed.

A system and method for processing telephone calls and providing enhanced services is presented. The call processing system includes a network control processor for controlling the processing and routing of the calls and for providing enhanced features, and a matrix switch for routing calls from an originating location to a terminating location. Operator consoles can be included to provide operator assistance to the caller. The network control processor comprises a central message processor that receives call data, determines the type of call, determines the processing required, and determines whether operator assistance is required. A call route distributor allocates an operator console to the call if required. A billing server is used to track billing information for the call while it is in progress. A database server is provided for database look-ups and storage. The call processing system also includes a validation system, a billing system, a distribution system, and a fraud detection and prevention system. The validation system is used to validate call information to determine whether the call can be placed. The billing system determines rates for calls and calculates the cost of completed calls. The distribution system distributes changes that are made to a master database to the appropriate slave database. The fraud detection and prevention system monitors originating and in-process calls to detect and possibly prevent possible fraudulent uses of phone services and systems. A client interface is provided to facilitate communications among applications and DEF records are used to define specific call processing actions.

The invention provides for docking short-range wireless communication tags, such as Radio Frequency Identification (RFID) or near Field Communication (NFC) smart cards onto a mobile terminal having a corresponding short-range wireless communication reader device, such as an RFID reader or a NFC reader. Docking of the tag to the mobile terminal may take the form of attaching or otherwise affixing the tag to the mobile terminal via a tag holding mechanism, such that the reader device may periodically read the tag and also provide for interrogation and reading of other external short-range wireless communication tags and devices in the proximity of the mobile terminal when the reader device is not communicating with the docked tag

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.

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 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 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 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.

A system and method for transferring money by use of a prepaid card account is disclosed wherein two cards are issued to the user accountholder, one of which is provided to another user, and either user may add value to the prepaid account so that the other user may use the card and that value in a financial transaction.

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.