CA2445000A1 - System and method for credit card replenishment of a wireless subscriber`s account balance - Google Patents

System and method for credit card replenishment of a wireless subscriber`s account balance Download PDF

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Publication number
CA2445000A1
CA2445000A1 CA002445000A CA2445000A CA2445000A1 CA 2445000 A1 CA2445000 A1 CA 2445000A1 CA 002445000 A CA002445000 A CA 002445000A CA 2445000 A CA2445000 A CA 2445000A CA 2445000 A1 CA2445000 A1 CA 2445000A1
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CA
Canada
Prior art keywords
credit card
subscriber
wireless user
replenishment
wireless
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.)
Abandoned
Application number
CA002445000A
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French (fr)
Inventor
Emir Mohammed
Rubens Rahim
Christopher Mcraild
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.)
Individual
Original Assignee
Redknee Inc
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Publication date
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Publication of CA2445000A1 publication Critical patent/CA2445000A1/en
Abandoned legal-status Critical Current

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Classifications

    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • 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
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/103—Account details or usage using SIMs (USIMs) or calling cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/201—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment automatic recharging with predetermined amount at threshold
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/202—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment selecting interactively a payment method
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H04M17/207—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless using signaling, e.g. USSD, UUS or DTMF
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/12—Prepayment of wireline communication systems, wireless communication systems or telephone systems using calling, telephone credit/debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/22—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically
    • H04M2017/225—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically with predetermined amount
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/22—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically
    • H04M2017/227—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically with amount selected interactively
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H04M2017/246—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless using signalling, e.g. USSD, UUS, DTMF
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/25—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/26—Prepayment of wireline communication systems, wireless communication systems or telephone systems with real-time recharging of account/card, e.g. if limit is reached during connection user is asked if he wants to recharge or not
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems

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.

Description

SYSTEM AND METHOD FOR CREDIT CARD REPLENISHMENT
OF A 1NIRELESS SUBSCRIBER'S ACCOUNIf BALANCE
TECHNICAL FIELD
The present invention relates generally to telecommunication network implerrtentations:
and in particular to an improved method and system for recharging andlor replenishing wireless subscriber accounts by credit card (or similar monetary/aedit instruments).
BACKGROUND ART
In the state of the art, it is wail known and documented that mobile phones and/or other wireless devices no longer merely serve to facilitate non land-line voice telecommunications and may function as web browsers, text chat rooms, to name a few.
To this end, much art is devoted to facilitating e-commerce, nc>w m-commerce (mobile commerce), and the selection, approval andlor authorization a~f commercial transactions at one's mobile handset andlor wireless device.
Consider, European Patent Application No. 1136961 by Dalvo Pesquera et al., entitled System and process for remote payments and transactions in real time by mobile telephone. Basically, the patent i5 broadly worded in order to address the following sequence of events:
(i) the payer uses a digital phone to request a service or item (the payee may be identified by a variety of methods);
(iij the payer's MS1SDN is used as an index key to retrieve a 'secret' Plt~t;
(iii) the system challenges the payer using SMSIUSSD in order to acquire the PIN;
(iv) assuming that the challenge is successful, a confirmation message is sent to the Payer; and (v) The appropriate amount is debited from the payer's prepaid or postpaid account.

-z-We submit that, aside from being based on prior art which is rE:adiiy and publicly available within the state of the art (as for instance, the information provided by the MET initiative (http:llwwv~i.mobiletransaction.org/documents.html), with academic references dating back to at least calendar year 1997); that the art claimed focuses ors the subscriber's MSiSDN
as being the key index, and does not, in any sense, acc~mmo~date for a pseudonym which would be correlated to a subscribers account (which could very well be indexed by something other than the MSISDN). Additionally, its focus on the IMEI as being some short of key verification parameter. The patent describes several ms:chanisms of IME1 retrieval which would simply not work based on 'state of the art' network implementations. Aside and in consideration of which, the 1ME1 remains a meaningles:a attribute for the purpose at hand, and would likely cause additional inherent complexity given that SIM
swapping is a common practice.
In fiurther addressing the prior art identified herewith, our invention of present does not does not store or otherwise require the storage of a pre-established safety criterion which is correlated to a given MSIS~N; nor does it require secondanr information relating to the type of digital mobile equipment being used by a given subscriiber.
AdditionalBy, as per the claims three (3) through six (6) set out by Calvo Pesquera et al.'s patent application, the verification messages referred to thereiin remain unrequired by our invention of present.
Further, the advances represented by our invention of present, remain unaffected by other bodies of prior art. As with U.S. Patent Application No. ~00201b2179 by Fiacov entitled Remote payment method and system, wherein a mobile communicati~rns-device is employed by a customer to instruct a given remote payment system to provide funds to a merchant, where the funds are transferred from a customer account to a merchant account. Nonetheless, the invention of present speaks specifically to advances as they pertain to replenishing a wireless subscriber's prepaid accounii balance using their wireless device in question.
And as also with U.S. Patent 6,4~7,.~01 to Suryanarayana, et al., and U.S.
Patent Application No. 2002007707 also by Suryanarayana et al., both entitled Prepaid wireless telephone account regeneration in a wireless access protocol system, which detail a method for recharging a prepaid telephone airtime account in a wireless access protocol system comprising a mobile client, a service control point, a wireless telephony application server, and a wireless access protocol (WAP) gateway. The art of which remains specific to WAP gateways unlike that of present, which is interface agnostic (though in the preferred embodiment a USSD Gateway is employed).
Additionally, the art taught by the former patent (and patent application}
remains for the most part "network ini#iated° utilizing the WAP gateway°s netalert functionality; the art demonstrated by our application remains user-initiated over (in the preferred embodiment) a USSR gateway. Further it fails to specifically delineate the method for retrieving funds from the subscriber's credit card account or other account to recharge their prepaid account. As it, indeed, does not explicitly explain how the SCP retrieves funds from the subscriber's credit card account. There is no explicit descriptioin of how the application interfaces to a credit card information service (CCIS} to provide credit card details and obtain funds to replenish the account.
In aitemate eml~diments of the art of present seeking the protection of !_etters Patent, the user's PIN and/or credit card extension as a security rnechanis~m to authenticate them as such and charge their a~edit card account (or similar). There remains no explicit explanation of this feature in the patent andlor patent application of Suryanarayana, et al.'s.
Further prior art may be found in U.S. Patent Application No. 2000115424 by Bagoren, et al., entitled Replenishment of pre-paid wireless telephone accounts using short message service (SMS) which details primarily a network-initiated, voucher-only recharge system, .
together with additional embodied claims as credit card authorization utilizing a PIN code.
Nonetheless, we submit that the technology advanced by our applicatwon of present does not remain tied to merely SMS recharge messages, but may also include USSD, WAP (et al.} which are in real-time and maintain sessions (as opposed to one-way messages).
Additionally, in addition to PIN node verit7cation our solution advances the art by supporting additional authentication through CV2 codes. Likewise, our invention also permits wireless users to select from pre-configured recharge amounts from a dlisplay menu, and indeed, upon completion of recharge, our success message inGudes the new account balance.

SUI~AMARY C)F THE INI~fNTI~N
The System and Method for Credit Card Replenishment of a V~lireless Subscriber's Account Balance disclosed herein enabEes wireless subscribers tv recharge their prepaid account balances with a Credit card (or similar type of numismatic implementation) directly from their wireless andlor mobile device. Indeed, the simplicity, convenience and predilection which the System and Method for Credit Card Replenishment of a Wireless Subscriber's Account Balance affords wireless subscribers remains apparent, over and above the trite alternative of dialing a telecommunications carriier's (or related) voice menu to request a recharge of such. Wireless subscribers select an amount (either predetermined or configurable} using the user interface providEad lay most generic Unstructured Supplementary Services Data (USSU} Gateways, and the system and method disclosed herein interacts with a telecommunication cairrier's {or related) Credit Card Information System (CCIS) to charge a credit card or similar type of credit Instrument or numismatic implementation).
The invention of present, in the preferred instance, utilizes the functionality of and makes a request to the Open Charging (CSC) middleware platfom~ and gateway system as detailed in Patent Application 10/307335 to credit the recharge amount, plus any bonus amount (if any), to the subscriber in question's account. Technicians skilled in the art will recognize that the invention of present need not be limited to the aforementioned Open Charging (OC) middleware platform and gateway system and other similar network implementations may be employed without diluting the intent and scope as such.
BRIEF DESCRIPTION C.~F THE DRAWINt~S
FIG. 'fA illustrates a typical, non-limiting embodiment of the system level architecture employed in the disclosure of present;
F1G. 1 B details a non-limiting call-flow of the system and method for replenishment of a wireless subscriber's account balance using a credit card (or similar means).

U.S. Patent Application No. 10/307335 entitled "Improved method for implementing an Open Charging (OC) middteware platform and gateway system".
DETAILED DESCRIPTtt)N C3~ THE PREIFER.RED
EMBC?DIMENTS
FIG's 1A and 1 B are intended tn both represent - at difference levels of details and technical nuance - the totality of the art seeking the protection of Letters Patent. And indeed are to be read, interpreted and understood as being conjunctiva.
Now, with reference to FIG. 1A, the generic, high-level, systern architecture encompassed by the invention of present is therewith presented. The systerr: and method 120 disclosed herein interfaces with the Open Charging (OC) middleware pl<~tform and gateway system 130 (as detailed in Patent Application 10130335), en Unstructured Supplementary Services Data (USSD) Gateway 110 (and USSD Portal 11 OA), a telecommunication carrier's (or third party's) Credit Gard Information System (GClS) 140 (via a Credit Card Authentication Interface 140A), and SGP. Technicians skilled in the art will recognize that the invention of present need not be limited to the aforementioned Open Charging (OC) middleware platform and gateway system and other similar network implementations may be employed without diluting the intent and scope as such. Indeed, further to which, practitioners and other honourable members skilled in the art will recognize that a variety of gateways, portals (et af.) apart from USSR may be utilized without diluting the intent and scope of the invention of present, and its inclusion herewith serves merely for the purpose of elucidation, simplicity and ease of instruction.
FIG. 1 t3 is a call flow diagram which depicts the typical 'calls' made between components on a telecommunications carrier's network, where a wireless subscriber 100 invokes the system and metfiod disclosed herein (at 120), via an Unstructured Supplementary Services Data (USSD) Portal 110A and USSD Gateway 110, and successfully completes a credit _(_ card transaction. Said subscriber 100 invokes the service by selecting the system and method disclosed 120, from a menu presented by the USSD Portal 110A, therewith generating ~a string code which the USSD Gateway 110 recognizes as belonging to the application module 120. (This calf serves as the entry point into the system and method for credit card replenishment application 120). Practitioners and rather honourable members skilled in the art will recognize that a variety of gateways (et all.) apart from USSD may be utilized without diluting the intent and scope of the invention of present, and its inclusion herewith serves merely for the purpose of elucidation, simplicity and ease of instruction.
Still with reference to FIG. 1 B, at 290 the subscriber 100 attempts to invoke the USSD
Portal 110A, by entering the appropriate USSD string (for example *123#). The HLFi (not shown) forwards the message to the USSD Gateway 110. The USSD Gateway 110 invokes the USSD Portal application, which sends menu information to the subscriber 100 allowing said user to select from a list of available USED applications (in vary embodiments), Upon selection, the USSR Gateway 910 invokas the system and method disclosed herein 120.
At 220, the system and method 120 is launched and requests the user for a recharge amount, presented as a menu of available recharge amounts configured by the telecommunications carrier in question. The user 100 makes a Selection and the USSD
Gateway 110 sends the amount value back to the system and method at 120. At 230, the system and method 120 displays the selected amount and asks the subscriber 100 to confirm the purchase by entering such said subscriber's pre-registered PIN (or similar verification numbers, actions, et a!.).
Still with reference to FIG 9B., at 240, the system and method disclosed 120 queries the subscriber's 100 PIN details from the SCP. In alternate embodiment, where the entered PIN does not match the stored PIN from the telecommunication carrier-in-question's SCP, the system and method 120 prompts the user 100 to re-anter the PfiV. Now, upon verification of the user's 100 PIN, the system and method 120 queries the subscribes in-question's credit card details from the SCP.

Now at 250, once said PIN (or other such security/authentication means) lass been verified 140A, the system and method 120 credits the subscriber's account for the amount charged, and adds any applicable bonus amounts {in accordance with the application configuration). In the preferred embodiment, credits are performed via an open Charging (OC) middleware platform and gateway system 130 as detailed in Patent Application 1 01347335. Technicians skilled in the art will recognize that the: invention of present need not be limited to the aforementioned Open Charging (C)C) mid~9leware platform and gateway system and other similar network implementations may be employed without diluting the intent and scope as such.
From which, at 260, the art disGosed forwards the subscriber's 100 credit card details to the credit card information service (CCIS) 140 to thereby charge the user's credit card account. The CCIS 140 returns an appropriate response code, Should the subscriber's credit card details be declined, then the system and method disclosed herein rolls back the transaction to the ~pen Charging (~C~
middleware platform and getaway system 130 and deducts the amount from the subscriber°s prepaid account balance. Again, technicians skilled in the art will recognize that: the invention of present need not be limited to the aforementioned Open Charging (pC;) middleware platform and gateway system and other similar network implementations m:~y be employed without diluting the intent and scope as such. Additionally, practitioners skilled in the art wilt appreciate that the invention of present need not r?ecessarily be limited to credit cards and indeed, may reasonably be said to import andlor employ similar types of monetarylcredit instruments.
In concluding the sequence of events 270, the system and method 120 sends a terminating USSR message 110 back to the user, along with an appropriate success or error message.
Success messages include the subscriber's 100 new balance. Practitioners and other honourable members skilled in the art will recognize that a variety of messaging systems may be employed apart from USSD without diluting the intent and scope of the invention of present, and its inclusion herewith serves merely for the purpose of elucidation, simplicity and ease of instruction.

_g_ The system and method for credit card replenishment of a wireless subscriber's account balance 120 additionaNy utilizes a security model which ensures that subscriber's credit card details are stored an the requisite hardware andlor application server no mare than is necessary and even then, only for the duration of the application call, and are discarded immediately afterwards. Credit card details are temporarily retrieved from and permanently stared on the telecommunication carrier°s SCP.

Claims (40)

THE EMBODIMENTS OF THE INVENTION IN WHICH AN
EXCLUSIVE PROPERTY OR PRIVILEGE IS CLAIMED
What is claimed is:
1. A system and method for credit card replenishment of a wireless subscriber's account balance, which may be invoked at any time, even after such balance has expired.
2. The system of claim 1, where the system may either be user-initiated or network-initiated (as through USSD, WAP, IVR and so on).
3. The system of claim 2, where the wireless subscriber invokes the system via a gateway and portal system (as through USSD for instance).
4. The system of claim 3, which may be invoked from a menu screen on the wireless and/or mobile device in question.
5. The system of claim 4, which generates a string code (or similar logical instructions) with which the gateway recognizes as belonging to the application module of the credit card replenishment system.
6. The system of claim 5, whereby the credit card replenishment system exists as part of a computer program product, comprising:
a) a computer readable memory medium; and b) a computer program including the logic required to the steps, methods and rules as such.
7. The system of claim 6, which presents the wireless user with a menu of available recharge and/or replenishment amounts.
8. The system of claim 7, which may be configured by the telecommunications carrier in question and/or the wireless user themselves.
9. The system of claim 7, where the wireless user makes a selection as such.
10. The system of claim 9, where such selection is returned credit card replenishment system via the appropriate gateway and/or portal.
11. The system of claim 10, where said wireless user is asked to confirm such selection through any number of verification methods.
12. The system of claim 11, where such verification methods may include a pre-registered PIN or their CV2 code (the three (3) or four (4) digit security code on the back of most credit cards).
13. The system of claim 11, where the credit card replenishment system queries the wireless user's credit card details from the relevant SCP.
14. The system of claim 13, where the credit card replenishment system credits the wireless user's account for the amount charged.
15. The system of claim 14, which may include any applicable bonus amounts (as per the telecommunication carrier's configuration and requirements).
16. The system of claim 14, where the credit card replenishment system forwards said credit card details to the credit card information service to thereby charge the wireless user's credit card account.
17. The system of claim 16, where the credit card information service returns an appropriate response code, logic or other set of instructions.
18. The system of claim 17, wherein the response indicates that the wireless user's credit card details have been declined.
19. The system of claim 18, where the credit card replenishment system rods back the transaction to an Open Charging (OC) middleware platform and gateway system or similar type of method, system and/or apparatus used to deduct the amount instead from the user's prepaid account balance.
20. The system of claim 17, where the credit card replenishment system sends a terminating message to the handset and/or other device of the wireless user, including an appropriate success of error message.
21. The system of claim 2, where the credit card recharge remains network-initiated.
22. The system of claim 21, whereby the SGP or other such repository of subscriber profiles and account information remains the initiating element within the network.
23. The system of claim 21, whereby the credit card replenishment system exists as part of a computer program product, comprising:
a) a computer readable memory medium; and b) a computer program including the logic required to the steps, methods and rules as such.
24. The system of claim 23, which presents the wireless user with a menu of available recharge and/or replenishment amounts.
25. The system of claim 24, which may be configured by the telecommunications carrier in question and/or the wireless user themselves.
26. The system of claim 24, where the wireless user makes a selection as such.
27. The system of claim 26, where such selection is returned credit card replenishment system via the appropriate gateway and/or portal.
28. The system of claim 27, where said wireless user is asked to confirm such selection through any number of verification methods.
29. The system of claim 28, where such verification methods may include a pre-registered PIN or their CV2 code (the three (3) or four (4) digit security code on the back of most credit cards).
30. The system of claim 28, where the credit card replenishment system queries the wireless user's credit card details from the relevant SCP.
31. The system of claim 30, where the credit card replenishment system credits the wireless user's account for the amount charged.
32. The system of claim 31, which may include any applicable bonus amounts (as per the telecommunication carrier's configuration and requirements).
33. The system of claim 31, where the credit card replenishment system forwards said credit card details to the credit card information service to thereby charge the wireless user's credit card account.
34. The system of claim 33, where the credit card information service returns an appropriate response code, logic or other set of instructions.
35. The system of claim 34, wherein the response indicates that the wireless user's credit card details have been declined.
36. The system of claim 35, where the credit card replenishment system rolls back the transaction to an Open Charging (OC) middleware platform and gateway system or similar type of method, system and/or apparatus used to deduct the amount instead from the user's prepaid account balance.
37. The system of claim 34, where the credit card replenishment system sends a terminating message to the handset and/or other device of the wireless user, including an appropriate success of error message.
38. An improved security model which ensures that said subscriber's credit card details are stored on the credit card replenishment system's application server only for the duration of the application call (credit card details are temporarily retrieved from and permanently stored on the carrier's SCP).
39. The system of claim 38, where such credit card and/or other financial details are discarded immediately thereafter.
40. An improved, more efficient means for facilitating credit card replenishment of a wireless subscriber's account balance whereby a text message is encoded on a mobile phone and propagated using a gateway and portal system to the computer program product of the credit card replenishment system and where one or more additional attributes are encoded as an additional parameters as optionally delimited by a given character (e.g. '*#XX#MSISDN#AMOUNT#PIN# where XX represents some manner of gateway activation code relevant to credit card replenishment system). Thereby ecologically utilizing one text string (as described) for the purpose of an M-commerce-type application including the increment of a given database (which constitutes a form of 'virtual wallet') with a specified charge and/or charge amended by a given corrective factor (e.g.
time bonus and/or decrement to reflect the subtraction of associated service fees, taxes and so forth).
CA002445000A 2003-02-14 2003-10-08 System and method for credit card replenishment of a wireless subscriber`s account balance Abandoned CA2445000A1 (en)

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