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

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.

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.

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 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.

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 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 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.