CA2076433A1 - Monitoring of charges debited to an account having an assigned limit - Google Patents

Monitoring of charges debited to an account having an assigned limit

Info

Publication number
CA2076433A1
CA2076433A1 CA2076433A CA2076433A CA2076433A1 CA 2076433 A1 CA2076433 A1 CA 2076433A1 CA 2076433 A CA2076433 A CA 2076433A CA 2076433 A CA2076433 A CA 2076433A CA 2076433 A1 CA2076433 A1 CA 2076433A1
Authority
CA
Canada
Prior art keywords
balance
call
card
network database
operator system
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA2076433A
Other languages
French (fr)
Other versions
CA2076433C (en
Inventor
Brenda B. Amarant
William Harold Desmedt
David Caswell Mcchristian
Robert Michael Neilon
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
AT&T Corp
Original Assignee
American Telephone and Telegraph Co Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Telephone and Telegraph Co Inc filed Critical American Telephone and Telegraph Co Inc
Publication of CA2076433A1 publication Critical patent/CA2076433A1/en
Application granted granted Critical
Publication of CA2076433C publication Critical patent/CA2076433C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/2866—Architectures; Arrangements
    • H04L67/30—Profiles
    • H04L67/306—User profiles
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/88—Provision for limiting connection, or expenditure
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0116—Provision for limiting expenditure, e.g. limit on call expenses or account

Abstract

Charges and balances assignable to a credit card account are controlled and monitored by assigning a purchase limit to the card. More specifically, when a card is used to pay for a telephone call on a telecommunication network, the validity of the card is verified in, for example, a network database and the card record is examined for the presence of a purchase limit. If the card has a purchase limit, the network database determines the type of purchase limit whichapplies and if the balance is positive. If the balance is not positive and the purchase limit applicable does not authorize the extension of credit, a denial response is sent from the network database to an appropriate local operator system which provides a denial indication to the caller. If the available balance is positive, the network database forwards the balance to the operator system. Based upon the balance returned in the reply from the database, the operator system sends a request to a rating processor to determine the length of time the callermay talk. If the rating database cannot ascertain the amount of time a caller can speak, for whatever reason, the call is denied. Thus, the balance is used to determine how long the caller can speak. At various predetermined intervals during the call and immediately after the call has been completed, the actual charges are calculated and forwarded to the network database. If during a call, the maximum duration is exhausted, the operator system will terminate the call, calculate the actual charges, and forward the charges to the network database.
The network database decrements the balance with each intermediate update from the operator system. At the termination of a call, the network database adjusts the card holders balance a final time to maintain the purchase balance accuracy.
CA002076433A 1991-10-31 1992-08-19 Monitoring of charges debited to an account having an assigned limit Expired - Fee Related CA2076433C (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US78619191A 1991-10-31 1991-10-31
US786,191 1991-10-31

Publications (2)

Publication Number Publication Date
CA2076433A1 true CA2076433A1 (en) 1993-05-01
CA2076433C CA2076433C (en) 1998-08-18

Family

ID=25137852

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002076433A Expired - Fee Related CA2076433C (en) 1991-10-31 1992-08-19 Monitoring of charges debited to an account having an assigned limit

Country Status (5)

Country Link
US (1) US5450477A (en)
EP (1) EP0540234B1 (en)
JP (1) JP3245834B2 (en)
CA (1) CA2076433C (en)
DE (1) DE69224585T2 (en)

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US5450477A (en) 1995-09-12
EP0540234A2 (en) 1993-05-05
JPH06290195A (en) 1994-10-18
JP3245834B2 (en) 2002-01-15
EP0540234A3 (en) 1994-04-13
DE69224585T2 (en) 1998-09-10
EP0540234B1 (en) 1998-03-04
CA2076433C (en) 1998-08-18
DE69224585D1 (en) 1998-04-09

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