39results about "Prepayment telephone using commercial credit/debit" patented technology

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 payment terminal using a mobile communication device (4), such as a mobile phone, is located on a removable memory card (1), e.g. type microSD card, which is adjusted in such a way so it can be inserted into an additional hardware slot, e.g. memory slot. A payment POS terminal application runs on a removable memory card (1), which contains at least one payment card. The payment card's unit (7) with the card's payment application is located in the secured part of the memory, separately from the terminal's configuration data unit (6). The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element or in completely independent secure elements or they can also be localized in the Sales Device of the merchant and there e.g. within the ICC card (29) or SAM card (42).

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.

In a mobile communication network equipped with a wireless communication interface with a mobile communication terminal, when a need arises for disabling calling and card functions of a mobile communication terminal with a plurality of card information stored, there is provided a credit transaction system for permitting the process of disabling the calling and card functions of the mobile communication terminal, comprising a mobile station 100, a mobile telephone network 20, a mobile packet communication network 30, a CAT terminal 40a, 40b, . . . , the CAFIS network 50, acredit company's server 60A, 60B, and the Internet 70. Credit disablement flags are set in a control station 33, and the mobile station 100 receives a disabling signal from the control station 33 through a base station 31. The mobile station 100 subsequently deletes credit contract information stored in itself.

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 system and method for providing prepaid wireless services. One embodiment includes a mobile unit configured to maintain an amount of time units for which the mobile unit is authorized to utilize wireless services. The amount of time units is preferably prepaid for by the customer. The mobile unit prevents utilization of wireless services upon the expiration of the amount of prepaid time units. Furthermore, it is preferred that a prepaid application server receive notification from the wireless service provider of the use of time units by the mobile unit. In this manner, the prepaid application server may monitor the availability of time units and prevent fraudulent use when the amount of prepaid time units expire.

A time remaining determination module is implemented in a prepaid service to maintain and/or report subscriber account information based on accurately determined time remaining, even in light of replenishments using differing rate plans and/or dollar values. In particular, the inventive approach utilizes a reporting module which accurately accounts for and determines the total minutes remaining in a subscriber's account by accommodating and adjusting for each potentially different rate plan associated with each recharge or replenishment. This enables the service provider not only to accurately report the account balance in terms of time remaining at any convenient time (e.g., during the call process), but also to correctly manage the subscriber account and call duration.

A prepaid card information issuing system 10 comprising a character string data base 25 for storing a plurality of character strings each consisting of a predetermined number of digits, a selection sheet 32 on which barcodes 35, 36 for identifying the type and face value of a prepaid card are displayed, a barcode reader 15a for reading out the barcodes 35, 36 to input the type and face value of the prepaid card, paid amount of money input means for inputting the amount of cash paid, prepaid card information generator 22 for generating prepaid card information by associating some character string in the character string data base 25 with the face value concerned when the face value of the prepaid card thus selected is coincident with the paid money amount, a prepaid card information data base 26 for storing prepaid card information, and prepaid card information issuing means 31.