公开(公告)号：US06950506B2

公开(公告)日：2005-09-27

申请号：US10008511

申请日：2001-11-08

Applicant: John Ruckart ,  Rimas Rauba ,  Jerome Wendell Myers

Inventor： John Ruckart ,  Rimas Rauba ,  Jerome Wendell Myers

IPC: G06Q20/04 ,  H04M17/00 ,  H04M15/00

CPC classification number: G06Q20/04 ,  H04M15/06 ,  H04M17/00 ,  H04M17/20 ,  H04M17/201 ,  H04M17/204 ,  H04M2017/225 ,  H04M2017/24 ,  H04M2017/25

Abstract: A method and system for prepaying credits to a user account for communications services is provided. A system receives an origination number and a code. The code corresponds to a predefined payment amount for prepaid credit. The system credits an account associated with the origination number with the predefined payment amount for prepaid credit. Software for implementing the method and system may be implemented in a number of environments, including a computer system accessible remotely or a processor located on a user communication device.

Abstract translation: 提供了一种用于向通信服务的用户帐户预付信用的方法和系统。 系统接收发起号码和代码。 代码对应于预付款信用的预定义支付金额。 系统将与起始号码相关联的帐户与预付款信用的预定义支付金额相结合。 用于实现方法和系统的软件可以在许多环境中实现，包括可远程访问的计算机系统或位于用户通信设备上的处理器。

公开(公告)号：US06788771B2

公开(公告)日：2004-09-07

申请号：US10234840

申请日：2002-09-05

Applicant: Charles L. Manto

Inventor： Charles L. Manto

IPC: H04M1500

CPC classification number: H04M15/854 ,  H04M15/08 ,  H04M15/09 ,  H04M15/57 ,  H04M15/83 ,  H04M17/00 ,  H04M17/201 ,  H04M2017/22 ,  H04M2017/26 ,  H04M2215/0192 ,  H04M2215/208 ,  H04M2215/32 ,  H04M2215/62 ,  H04M2215/66 ,  H04M2215/8166 ,  H04M2215/82

Abstract: A method of operating a telecommunications device wherein the telecommunications device is used to detect an outgoing call from a calling party to a called number. The calling number is used to determine whether or not the calling party is a universal service user. If it is determined that the called number is among a class of numbers exempt from charges, the call is connected. A determination on the sufficiency of funds in a pre-paid account is made. If it is determined that there are insufficient funds in a pre-paid account to cover charges associated with the outgoing call, a message is generated and sent to the calling party or a third party requesting authorization to charge an additional fee for connecting the calling party with the called party and providing related information or application services. User input is received from the calling party, indicating the calling party's authorization of such charge. The connection between the calling party and the called party is made. In an alternative embodiment, costs for providing data communications and related application services between an initiating party and a universal service user are calculated, in response to a request by the initiating party, in accordance with the network elements required for a requested quality of service.

Abstract translation: 一种操作电信设备的方法，其中电信设备用于检测从主叫方到被叫号码的呼出。 主叫号码用于确定主叫方是否为通用业务用户。 如果确定被叫号码是免费收费的一类号码，则呼叫是连接的。 确定预付账户资金充足率。 如果确定预付费帐户中的资金不足以支付与呼出相关的费用，则生成消息并发送给主叫方或第三方，请求授权收取连接主叫方的附加费用 与被叫方提供相关信息或应用服务。 从主叫方接收到用户输入，指示主叫方对此类费用的授权。 主叫方和被叫方之间建立连接。 在替代实施例中，响应于发起方的请求，根据所请求的服务质量所需的网络元件来计算在发起方和通用服务用户之间提供数据通信和相关应用服务的成本。

公开(公告)号：US20040162732A1

公开(公告)日：2004-08-19

申请号：US10366506

申请日：2003-02-14

Inventor： Rubens Rahim ,  Christopher McRaild

IPC: G06F017/60 ,  H04B007/216

CPC classification number: G06Q20/24 ,  G06Q20/3676 ,  H04M17/02 ,  H04M17/103 ,  H04M17/20 ,  H04M17/201 ,  H04M17/202 ,  H04M17/204 ,  H04M17/207 ,  H04M2017/12 ,  H04M2017/225 ,  H04M2017/227 ,  H04M2017/24 ,  H04M2017/246 ,  H04M2017/25 ,  H04M2017/26 ,  H04M2215/32

Abstract: The system and method for credit card replenishment of a wireless subscriber's account balance detailed herewith enables wireless subscribers to recharge their account balances in self-configured and/or telecommunications carrier-configured amounts via Unstructured Supplementary Services Data (USSD) by charging the subscriber's credit card or similar type of disbursement instrument. Once a subscriber has stored such credit information and/or other banking details on the SCP by registering relevant details with the telecommunications carrier, the system and method disclosed herein prompts the subscriber for an amount and their PIN security code. The system and method then charges a subscriber's credit card, and adds the desired recharge amount to the subscriber's prepaid account balance. If no credit card or PIN information is stored for the subscriber, or if the Credit Card Information System (CCIS) rejects the charge, an appropriate error message is returned.

Abstract translation: 本文详细说明了无线用户账户余额信用卡补充的系统和方法，使得无线用户能够通过非结构化补充业务数据（USSD）向用户的信用卡收费，以自配置和/或电信运营商配置的数量为其帐户余额充值 或类似类型的支付工具。 一旦订户通过向电信运营商注册相关细节将此类信用信息和/或其他银行业务信息存储在电信运营商上，本文中所公开的系统和方法提示用户一个数量及其PIN密码。 系统和方法然后对用户的信用卡收费，并将预期的充值金额添加到用户的预付账户余额。 如果订户没有存储信用卡或PIN信息，或信用卡信息系统（CCIS）拒绝收费，则返回相应的错误信息。

公开(公告)号：US20040114738A1

公开(公告)日：2004-06-17

申请号：US10674074

申请日：2003-09-29

Inventor： Alwyn Johannes Voorman ,  Phaedra Zoe Goedele Mensen

IPC: H04M015/00

CPC classification number: H04M15/745 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/32 ,  G06Q20/385 ,  G06Q20/405 ,  H04M15/00 ,  H04M15/44 ,  H04M15/56 ,  H04M15/765 ,  H04M15/7652 ,  H04M15/77 ,  H04M15/79 ,  H04M17/00 ,  H04M17/10 ,  H04M17/20 ,  H04M17/201 ,  H04M17/204 ,  H04M2017/22 ,  H04M2017/24 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/202 ,  H04M2215/2026 ,  H04M2215/22 ,  H04M2215/32 ,  H04M2215/724 ,  H04M2215/7245 ,  H04M2215/7254 ,  H04W4/24

Abstract: The present invention is related to a service accounting system (3) containing one or more classified service accounts (4), in particular for mobile/cellular services. More specifically, a service accounting system (3) connected to a main accounting system (1), part of a main account (2) being transferable to a service account (4), and the use thereof are described. The invention provides a solution to deal with the accounting of differentiated services. In particular a solution is provided to give users control over their expenses on a differentiated service basis. Also to service providers a solution is provided to take actions on a differentiated services account basis.

Abstract translation: 本发明涉及一种包含一个或多个分类服务帐户（4）的服务会计系统（3），特别是用于移动/蜂窝服务。 更具体地，描述连接到主会计系统（1），可转移到服务账户（4）的主账户（2）的一部分的服务会计系统（3）及其使用。 本发明提供了解决差异化服务会计的解决方案。 特别是提供了一种解决方案，以便用户在差异化服务的基础上控制他们的费用。 另外，服务提供商还提供了解决方案，以便在差异化服务帐户的基础上采取行动。

公开(公告)号：US20030166396A1

公开(公告)日：2003-09-04

申请号：US10275103

申请日：2003-04-29

Inventor： Brigitte Vermelle ,  Philippe Dumay

IPC: H04M011/00 ,  H04Q007/20

CPC classification number: G07F17/0014 ,  G06Q20/342 ,  G07F7/025 ,  H04M15/00 ,  H04M15/68 ,  H04M17/00 ,  H04M17/106 ,  H04M17/20 ,  H04M17/201 ,  H04M2017/14 ,  H04M2215/0196 ,  H04M2215/2026 ,  H04M2215/32 ,  H04W4/24

Abstract: The invention concerns a method for crediting a prepaid account through a telecommunication network which consists in: recording in a terminal SIM card storage data identifying at least a banking card. When executing a programme stored in the card, transmitting to the prepaid account management service the data identifying the banking card or one of the banking cards and the desired amount to be credited. The prepaid account management service verifies the validity of the banking card, requests authorisation for the desired amount to be credited, and sends to the terminal SIM card report of the transaction (confirmation/failure).

Abstract translation: 本发明涉及一种通过电信网络记入预付账户的方法，该方法包括：在终端SIM卡中记录识别至少一张银行卡的存储数据。 当执行存储在卡中的程序时，向预付费账户管理服务发送标识银行卡或银行卡之一的数据和要被记入的期望金额。 预付账户管理服务验证银行卡的有效性，请求所需金额的授权，并发送到终端SIM卡交易报告（确认/失败）。

公开(公告)号：US20020046255A1

公开(公告)日：2002-04-18

申请号：US09873001

申请日：2001-06-01

Inventor： Richard G. Moore ,  David K. Vognsen ,  Anna M. Appleby

IPC: G06F015/16 ,  G06F017/60

CPC classification number: G06Q20/06 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/1235 ,  G06Q20/28 ,  G06Q20/342 ,  G07F7/025 ,  H04L12/1467 ,  H04M15/00 ,  H04M15/49 ,  H04M15/51 ,  H04M15/745 ,  H04M15/805 ,  H04M17/00 ,  H04M17/20 ,  H04M17/201 ,  H04M17/204 ,  H04M2017/22 ,  H04M2017/24 ,  H04M2215/0108 ,  H04M2215/0168 ,  H04M2215/0176 ,  H04M2215/22 ,  H04M2215/32 ,  H04M2215/46 ,  H04M2215/54 ,  H04M2215/7457

Abstract: A system and method are disclosed for providing prepaid services via an open network architecture system having access to a network, such as the Internet via an Internet protocol. The architecture system is operated by a system operator and includes a customer profile database which stores various customer-related information, such as customer names and their respective payment and contact information, a plurality of databases each storing prepaid accounts for a particular prepaid service, such as telephony, Internet access, paging, and cellular, and web-site system hardware connected to the customer profile database and the plurality of databases and to a network, such as the Internet, for ubiquitously accessing the databases via the Internet for viewing and managing one's prepaid services, as well as purchasing additional prepaid services and/or usage rights. The architecture system further includes network hardware connected to the web-site system hardware for enabling outside system operators, e.g., wholesalers, online retailers, system developers and ISPs, to utilize the architecture system to brand their own prepaid services and offer them through the architecture system.

Abstract translation: 公开了一种用于通过具有通过因特网协议访问诸如因特网之类的网络的开放网络架构系统来提供预付费服务的系统和方法。 架构系统由系统操作员操作，并且包括客户简档数据库，其存储各种客户相关信息，例如客户名称及其各自的支付和联系信息，多个数据库，每个数据库存储用于特定预付费服务的预付帐户， 作为连接到客户简档数据库和多个数据库以及诸如因特网的网络的电话，互联网访问，寻呼和蜂窝以及网站系统硬件，用于经由因特网无处不在地访问数据库以便观看和管理 一个预付费服务，以及购买额外的预付费服务和/或使用权。 架构系统还包括连接到网站系统硬件的网络硬件，以使外部系统运营商（例如批发商，在线零售商，系统开发商和ISP）能够利用架构系统来品牌化自己的预付费服务，并通过架构提供 系统。