264 results about "Telephone card" patented technology

The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.

A system for generating and transmitting summary transaction data includes a computer database from which information is compiled and forwarded to a requesting party automatically, i.e., without the need to interface with a human operator. A party having access to a prepaid transaction account number may access the host computer from a remote location and interactively request transaction information pertaining to the account using virtually any communication modality. The computer is suitably configured to communicate with one or more of the foregoing communication modalities and to automatically compile and transmit the summary data to a requested destination, for example, to a PC. The computer may further be configured to allow the requesting party to select among various formats to configure the form of the summary data. Summary transaction data may be generated and transmitted for virtually any type of prepaid transaction card, including phone cards, travel, credit cards, stored value (e.g., smart cards) cards, and the like.

An improved prepaid telephone card system is provided wherein a system center communicates to a calling party in the language spoken by the calling party. The system includes a system center which comprises an account database of prepaid accounts and a language library containing voice prompts and instructions in various languages. When the system center and the calling party are connected, the system center prompts the calling party in a plurality of languages to enter an account code; receives the account code from the calling party and determines if the account code is valid; accesses a database corresponding to the account code to determine if the calling party has previously set up a preferred language; presents to the calling party a plurality of languages available for selection as the preferred language; inputs from the calling party a selection of the preferred language and records the selection in the database; prompts the calling party, in the preferred language, for a destination telephone number of a desired party; and connects the calling party to the desired party.

A method of exchanging payment information in an electronic transaction includes a first electronic transaction device transferring payment information to a second electronic transaction device, the second electronic transaction device transferring value information to the first electronic transaction device, and the second electronic transaction device transferring value information and payment information to a service consolidation center. A retailer electronic transaction device may transfer a virtual stored value card to a customer's electronic transaction device.

A method of tracking retail sales of pre-paid telephone cards to cash subscribers includes entering value purchased information and subscriber information in a retailer electronic transaction device, the retailer electronic transaction device transferring the value purchased information and subscriber information to a mobile operator, and the mobile operator adding value corresponding to the value purchased information to an account corresponding to the subscriber information.

The invention is directed to methods of and apparatus for storing, retrieving and updating information on an information card or calling card. The card is made of traditional materials with at least a first surface reserved for traditional print and/or graphics. A second surface of the card contains computer readable storage media permanently affixed to the card. In another embodiment the card may be made from plastic materials and include an RFID tag as the electronic storage media. The storage media contains an electronic version of the printed text from the first surface of the card and other information. Information stored on the computer readable storage media can be read from the card using a magnetic reader or other card reader. Updated information card data may stored on a remote computer and accessed by card-recipients via the Internet. The information cards may be used in various systems including use as emergency tags, residential information tags, vehicle tags, and retail tags.

A user purchases a card and uses it to make pre-paid telephone calls via a telephone service provider system associated with the issuer of the card. After the account balance on the card is depleted, the user can present the card to a merchant or other party for redemption in the manner of a discount coupon for products or services.

A calling card which can be inserted into a conventional CD drive and read. The calling card is centered in a CD drive. Thus, the calling card becomes a calling card CD with a printed upper side, which can be visually detected by an eye, and an underside on which data can be recorded and read by a computer.

A RF transaction device is provided, which is operable to store multiple distinct calling card accounts associated with a calling card account. The multiple calling card accounts may be provided by one or more calling card carrier. The invention further includes a RF operable reader in communication with a telephonic call enabling device. The RF transaction device communicates with the reader to provide calling card account information. Since the RF device has multiple distinct credit card account numbers stored on the transaction device, the RF transaction device may be used to effectuate a calling card call on different call carrier systems using differently formatted call authorizing systems.

CONTROL CARD CHECK is a pocket size system and a method for auditing personal accounts. It is an individual module that operates on a digital level. This invention is for bank account and credit card information inspecting only. This technology system provides access to your bank and credit card information instantaneously, without having to log onto the Internet, drive to your bank (ATM), or call a service bank agent. This system will allow you to check your current balance on any account card you own, excluding gas cards, retail cards, and phone cards, just by inserting the card into the card reader. The design of the pocket electro mechanism is slightly larger than your account card with a magnet strip-card reader embedded to the back of the instrument. In seconds, see your balance by entering your four-digit security pin number on the touch screen. On the menu screen you will have four options to choose from. 1. Current balance. 2. Daily transactions. 3. Weekly transactions. 4. Payment information and Due date. (Bank payment address & phone numbers). Ideal for any situation

A set of multiple prepaid calling cards that are associated with a single account is disclosed. A predetermined amount of minutes is associated with the set of cards. Cards within the set can be used simultaneously and extract minutes from the account in predetermined increments. Each card can use the same Personal Identification Number (PIN) or each card can have its own unique PIN. In some instances, any card in the set can recharge the account, (i.e., add more minutes to the account), or in some embodiments, only a control card can add minutes to the account.

A method and apparatus for storing and retrieving voicemail with a calling card is presented. A calling card is implemented with at least two personal identification numbers (PINs). A calling-card platform prompts a calling-card user to enter a PIN number. If a first PIN number is entered, options are presented that enable the calling-card user to record a voice message greeting, record a voicemail, retrieve a voicemail left by a caller, complete a call, or access account information. If a second PIN number is entered, the call is switched to a voice-messaging platform. At the voice-messaging platform, the calling-card user is prompted to record a voicemail message for the calling-card owner.

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.

The present invention relates to method for revaluing a phone card by way of an electronic commerce terminal system. The method comprise the steps of: communicating transaction data from the phone card to a universal server, with the universal server retrieving further user identification from a database based on a dynamic identification interchange within the universal server; evaluating the validity of the transaction data at the universal server; processing the transaction data and the first form and/or the further form of the user identification information; identifying the at least one user account; requesting and transferring funds either between a first one of the at least one user account and a second one of the at least one user account or between the at least one user account and the phone card to increase the value of the phone card, based on the dynamic identification interchange within the universal server.

A system including a cellular phone or a telephone card having, pre-registered therein, the identification number of a connection telephone company and a user ID, a store processing terminal unit handling it, a point-of-sale POS terminal, and a management host computer of the telephone company, wherein these are connected through a communication line. A merchandise information of the cellular phone that is transacted, etc., is sent to, and stored in, the host computer. When a call is made using the cellular phone, or the like, the host computer carries out reduction processing of a prepaid telephone charge depending upon a call rate on the basis of the stored merchandise information of the cellular phone, or the like. When the cellular phone or the telephone card is used, telephone charges can be paid in a store handling such a cellular phone, or the like.</PTEXT>

A transaction router and corresponding process that enables the point-of-sale activation (POSA) of POSA type devices, such as POSA pre-paid gift cards, debit cards, telephone cards and cellular replenishment cards, while utilizing a standard credit card swipe terminal (reader). The transaction router, during use, receives the output of the reader and allows standard credit and debit card transactions to pass to the financial transaction processing entity that is called by the reader, to allow the financial transaction to be carried out. If the card or device being read by the reader is a POSA type device to be activated, then the router routes the communication initiated by the reader to another processing entity capable of activating the POSA device. The reader is unaware of the existence of the router and operates in its ordinary manner, whether standard credit and debit cards are being processed, or whether a POSA card or other POSA device is being activated. Increasing the value of a previously activated POSA card also may be carried out.

A system and method for electronic purchase of prepaid telephone services is provided. An initiating terminal receives input of a customer's request to purchase a specified amount of prepaid telephone services and receives input of the customer's designation of a financial account from which to electronically debit the price of such purchase. A central terminal receives these inputs from the initiating terminal, obtains authorization for the request, and transmits data to the initiating terminal for the initiating terminal to, in turn, print on a receipt and provide to the customer. This receipt is then used instead of a telephone card to obtain telephone services up to the specified amount. Such receipt may also detail instructions and an authorization number, such as a personal identification number or PIN, to initiate the pre-paid telephone service. The system and method of the present invention also preferably transfers the funds from the appropriate demand or credit account to pay for the purchased telephone services. An additional, separate Regulation E-type receipt is preferably also printed reflecting the financial transaction.

The gaming system with phone card payout is a system for playing a video game using a smart card. A dispensing station includes a smart card reader, a bill acceptor and a phone card dispenser. The bill acceptor reads the monetary value of currency inserted in the machine and stores the monetary value on a smart card. The stored monetary value can be used to either purchase prepaid phone cards at the dispensing station or to play video games at an establishment hosting the dispensing station. The video games at the establishment are equipped with smart card readers. Logic in the video games verifies that the smart card monetary value was purchased at the hosting establishment and accepts the monetary value from a verified smart card for playing the video game. Video game credits accumulated on the game may be transferred back to the smart card.

This method and apparatus may activate removable or portable media devices (or accounts associated therewith), such as flash drives, USB drives, external hard drives, thumb drives, memory cards of various formats (SD, CF, xD, Memory Card Duo), SIM cards, other phone cards, or other devices containing a writable and/or readable memory. The devices may be activated after purchase based on a communication between a central processor and a device or device user. Further, this method and apparatus may activate an account related to a media device at a point-of-sale (“POS”), and may later activate the device by communicating with an account activation processor. Activation and deactivation of the device (or account) may further be based on a confirmation or cancellation of a purchase transaction associated with the device, such as a purchase of the device.

A general purpose network tone detection method and apparatus that allows the precise and accurate recognition of North American tones (MF, DTMF (Dual-Tone Multifrequency), and CPT (Call Progress Tones)) and international MF-R2 tones as well as taking into consideration other common tones such as Calling Card Service Prompt and Recall Dial. Through the use of the Discrete Fourier Transform (DFT) on small time windows and by providing phase continuity between these windows, the results of the successive DFTs may be combined and processed by a second DFT computation. This second DFT allows higher frequency resolution without requiring the re-computation of the DFT from the time samples. The resulting effect is a tone receiver with both high time and frequency resolution which consequently leads to robust and accurate tone recognition systems conforming even to the most stringent specification while maintaining low computational requirements.