75results about "Prepayment telephone using credit/debit cards" patented technology

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 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.

An improved system for detecting and preventing telecommunications fraud prior to call connection, in which attempted calls are screened for fraud at the point of calling card validation in the SCP. The SCP accesses a database holding a variety of fraud decision nodes that may be interrelated and grouped together to cooperatively define fraud screening trees against which attempted calls may be tested. A fraud screening tree ultimately produces a fraud prediction based on a variety of information concerning the attempted call. The present invention therefore facilitates fraud screening with greater granularity and customization.

A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.

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.

The present invention is a method and apparatus for providing prepaid card service to customers for placing telephone calls without relying on a post-service billing model. A service management computer having access to a card database is connected to the network only by out-of-band connections. A voice response unit or a tone receiver and announcement player in the network are the voice interface with the customer and are provided at the originating switch in the network to eliminate multiple switches from the call path.

A system and method for obtaining a personal identification number (PIN) from a client terminal is disclosed herein. The method includes storing, at the client terminal, PINs for plural prepaid services. The method also includes receiving, at the client terminal, a request for a PIN associated with a desired prepaid service corresponding to one of the plural prepaid services. A PIN request is then sent, from the client terminal, to a server when less than a predefined number of PINs associated with the desired prepaid service are stored at the client terminal. In response, one or more PINs associated with the desired prepaid service are received at the client terminal. The method further includes dispensing at least one PIN corresponding to the desired prepaid service from the client terminal.

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.