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

A mobile communication terminal (the mobile station 100), served in a mobile communication network for performing wireless communications, comprises a transmitter-receiver 110, a controller 120, a user interface 130, a data input / output terminal 140, a magnetic writer 150, and a magnetic stripe 160. Control programs stored in a program ROM 122 include a program for controlling the magnetic writer such as writes or deletes various information into / from the magnetic stripe 160. In a credit card ROM 123 are stored information on the attributes of a credit card contract concluded in advance between a user and a credit card company. The magnetic writer 150 writes credit card contract information provided from the controller 120 to the magnetic stripe 160 or deletes the credit card contract information from the magnetic stripe 160.

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.

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.

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.

A credit card transaction system that is used for contracts for various electronic-commerce services comprises a mobile station 100, a mobile telephone network 20, a mobile packet communication network 30, a CAT 40a, 40b, . . . , a CAFIS network 50, a credit card company's server 60A, 60B, . . . , and the Internet 70. A request from the mobile station 100 for a credit card contract is transmitted to any one of the credit card company's server 60A, 60B, . . . through a gateway server 32; in a case where the contract is approved, credit card contract information is transmitted from any one of credit card company's server 60A, 60B, . . . to the mobile station 100 through the gateway server 32, the credit card contract information being stored in the mobile station 100.

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, a credit 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.

The invention provides a system and method for providing a temporary wireless service connection to one or more users within a wireless local area network. In-building services and Internet related services are provided to the users over their respective temporary wireless service connections. Each user is charged for their specific usage amounts which may be based on the number of packets transferred, the number of bytes transferred, the number of distinct transactions and / or the time period each user's temporary wireless service connection was active.

Short message system (SMS-MO) comprising switching arrangements (MSC) and servers (SMSC) at which the messages arrive in the form of messages “destined for a mobile” (SMS-MT). The sending mobile (SMS-MO) includes in the message the address of the server (SMSC) of its card (SIM). The system comprises a virtual server (SMSC-V) which is defined by its address (ADR-V) and is associated with an operator, a real server (SMSC-R) which is defined by its address (ADR-R), the address (ADR-V) of the virtual server (SMSC-V) being the only server address recorded on the operator's cards (SIM), the switching arrangement (MSC) contains an address translator for replacing the address of the virtual server (SMSC-V) with that of the real server (SMSC-R) to which the message (SMS-MO) will be routed, which real server handles the message and routes it to the intended receiver (MO′).

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 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 method of providing charge information to a user of a mobile terminal (2), which information relates to an IP connection or connections being used by the user. The method comprises the steps of identifying the terminal (2) or the user to a charge control node (CCN) (10) located in a home network (1) of the terminal (2) or user and, for the duration of the IP connection(s), using the existing connection or one of the existing connections to transport a stream of charge information messages from the CCN (10) to the mobile terminal (2).

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 payment terminal using a mobile communication device (4), such as a mobile phone, is located on a removable memory card (1), e.g. a 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).

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.

In an apparatus and a method for generating mobile consumption patterns, the apparatus includes: an information processing unit and storage unit that processes card use information from a server and stores the card use information including GPS information; an application unit to process the card use information and a sharing unit to share the stored card use information with another user via a network, or a display unit to display augmented reality based on the card use information and GPS information.

A mobile communication terminal (the mobile station 100), served in a mobile communication network for performing wireless communications, comprises a transmitter-receiver 110, a controller 120, a user interface 130, a data input / output terminal 140, a magnetic writer 150, and a magnetic stripe 160. Control programs stored in a program ROM 122 include a program for controlling the magnetic writer such as writes or deletes various information into / from the magnetic stripe 160. In a credit card ROM 123 are stored information on the attributes of a credit card contract concluded in advance between a user and a credit card company. The magnetic writer 150 writes credit card contract information provided from the controller 120 to the magnetic stripe 160 or deletes the credit card contract information from the magnetic stripe 160.

A cellular phone includes a first removable subscriber identification card which has a microprocessor and memory that stores subscriber identification information. The cellular phone also includes a card interface, a controller, that generates a personal access number from the subscriber identification information, and a transmitter that transmits the first personal access number to a wireless communication system.

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 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.

A method of providing charge information to a user of a mobile terminal (2), which information relates to an IP connection or connections being used by the user. The method comprises the steps of identifying the terminal (2) or the user to a charge control node (CCN) (10) located in a home network (1) of the terminal (2) or user and, for the duration of the IP connection(s), using the existing connection or one of the existing connections to transport a stream of charge information messages from the CCN (10) to the mobile terminal (2).

A method and system for charging for services in a communication system comprises a charging entity and at least two connection support entities for providing resources to support a connection in the communication system. Various steps include detecting initiation of a connection by the connection support entities; generating a charging identity for identifying the connection; determining a first charge for supporting the connection by the first connection support entity; determining a second charge for the support of the connection by the second connection support entity; transmitting a first charging message from the first connection support entity to the charging entity, the message specifying the first charge and including the charging identity; and transmitting a second charging message from the second connection support entity to the charging entity, the second charging message specifying the second charge and including the charging identity.

Detecting fraudulent activity can be a complex, manual process. In this paper, we adapt statistical properties of count data in a novel algorithm to uncover records exhibiting high risk for fraud. Our method identifies shelves, partitioning data under the counts using a Student's t-distribution. We apply this methodology on a univariate dataset including cumulative results from phone calls to a customer service center. Additionally, we extend this technique to multivariate data, illustrating that the same method is applicable to both univariate and multivariate data.

A credit card transaction system that is used for contracts for various electronic-commerce services comprises a mobile station 100, a mobile telephone network 20, a mobile packet communication network 30, a CAT 40a, 40b, ... , a CAFIS network 50, a credit card company's server 60A, 60B, ... , and the Internet 70. A request from the mobile station 100 for a credit card contract is transmitted to any one of the credit card company' s server 60A, 60B, ... through a gateway server 32; in a case where the contract is approved, credit card contract information is transmitted from any one of credit card company's server 60A, 60B, ... to the mobile station 100 through the gateway server 32, the credit card contract information being stored in the mobile station 100.

A first communication control system comprising a balance database for storing the prepaid money of each per caller number, a charge database for storing the charge system of each communication company, a balance checking part for checking the balance by searching the balance database with the caller number, a call permission determining part for determining the permission of a call of the caller based on the balance, a communication company specifying part for specifying one communication company based on the input number from a caller terminal, a line switch and a line control part for connecting the caller terminal with a called terminal through an exchange of the specified communication company, a speech time measuring part for measuring the speech time, a telephone charge calculating part for calculating the speech time and the telephone charge according to the charge system of the communication company, and a balance updating part for subtracting the telephone charge from the balance of the caller.