EP1393266A2 - Rechargement optimise de comptes prepayes - Google Patents

Rechargement optimise de comptes prepayes

Info

Publication number
EP1393266A2
EP1393266A2 EP02732547A EP02732547A EP1393266A2 EP 1393266 A2 EP1393266 A2 EP 1393266A2 EP 02732547 A EP02732547 A EP 02732547A EP 02732547 A EP02732547 A EP 02732547A EP 1393266 A2 EP1393266 A2 EP 1393266A2
Authority
EP
European Patent Office
Prior art keywords
user
function
recharge
recharging
credit
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.)
Withdrawn
Application number
EP02732547A
Other languages
German (de)
English (en)
Inventor
Rüdiger HAUSMANN
Michael Horn
Peter Moritz
Frank Perthel
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.)
Nokia Solutions and Networks GmbH and Co KG
Original Assignee
Siemens AG
Nokia Siemens Networks GmbH and Co KG
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 Siemens AG, Nokia Siemens Networks GmbH and Co KG filed Critical Siemens AG
Priority to EP02732547A priority Critical patent/EP1393266A2/fr
Publication of EP1393266A2 publication Critical patent/EP1393266A2/fr
Withdrawn legal-status Critical Current

Links

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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • H04M15/67—Transmitting arrangements for sending billing related information
    • 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
    • H04M17/20—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
    • 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
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0116—Provision for limiting expenditure, e.g. limit on call expenses or account
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/22—Bandwidth or usage-sensitve billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/32—Involving wireless systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/48—Sending information over a non-traffic network channel or another connection than the one actually used, e.g. signalling, D-channel, data and voice

Definitions

  • the invention relates to a method according to the preamble of claim 1.
  • Telecommunication system / are known from the prior art and are usually processed as deposits by credit card, bank transfer, check or cash payment into an account of a service provider.
  • the use of a prepaid service is usually done so that, for. B. the mobile phone of a user (cell phone) is first registered via a callback access number CLI (Caller Line Identification). The user is then called back via a callback on his cell phone. He then accepts the call and, as usual, dials the desired destination number or uses z. B. one of the speed dials registered with the service provider. The credit remaining after the call can finally be z. B. announce by pressing the # key.
  • CLI Callback access number
  • Such prepaid services are mainly offered for private customers and, in addition to cheap connection prices within Germany, also offer great savings for international calls, depending on the destination country.
  • the advantages of these services can be found particularly in billing to the second, detailed individual call records per quarter, easy access via number registration (CLI) and dialing in via any telephone using a personal account number and a PIN.
  • the charging function it is possible for the charging function to be put into a waiting state in response to the threshold value being undershot until the service currently being used by the user is ended.
  • Such functionality has the advantage that, for. B. a current phone call is not disturbed, although the user receives an indication after completion that a minimum credit has been reached and his credit needs a top-up.
  • the recharging function can also be automatically active repeatedly. Is for a user B. set a relatively high threshold value of DM 20.00 with a prepaid credit of DM 100.00, falling below this threshold value would not necessarily entail the risk of the connection being blocked. The user could therefore take his time to top up his account, since the recurring, automatically active top-up function reminds him at regular or shortening intervals of the need to top up his electronic credit.
  • the recharging function remains active, even if the user should first cancel it by triggering an abort or ignore signal or temporarily ignore it, it is ensured that before the connection is blocked, the user has been given sufficient opportunity to use his prepaid credit to his credit adapt services taken.
  • recharging by means of the method according to the invention is not co o tv> t P> P 1
  • the reference account belongs to the same customer as the prepaid account to be topped up. In this case, even in the event of theft or other loss of the cell phone, the customer would not suffer any financial damage, since it would always be ensured that the prepaid account was loaded from their own reference account.
  • a service control can be seen, which is designed in the form of executable software and comprises a service execution environment, which services recharge (recharge) and prepay (prepaid) co otr P 1 P 1

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Theoretical Computer Science (AREA)
  • Signal Processing (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Meter Arrangements (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé pour recharger un avoir électronique prépayé d'un utilisateur, notamment pour le paiement de services dans un système de données ou de télécommunication. Le procédé selon l'invention comprend les étapes suivantes : a) définition d'une valeur de seuil inférieure de compte pour l'avoir, b) signalisation du dépassement inférieur de la valeur de seuil et c) déclenchement d'une fonction de recharge en cas de dépassement inférieur de la valeur de seuil.
EP02732547A 2001-04-12 2002-04-03 Rechargement optimise de comptes prepayes Withdrawn EP1393266A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP02732547A EP1393266A2 (fr) 2001-04-12 2002-04-03 Rechargement optimise de comptes prepayes

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
EP01109181 2001-04-12
EP01109181 2001-04-12
EP01118998A EP1249995A2 (fr) 2001-04-12 2001-08-06 Recharge optimisée des comptes prépayés
EP01118998 2001-08-06
EP02732547A EP1393266A2 (fr) 2001-04-12 2002-04-03 Rechargement optimise de comptes prepayes
PCT/EP2002/003658 WO2002084989A2 (fr) 2001-04-12 2002-04-03 Rechargement optimise de comptes prepayes

Publications (1)

Publication Number Publication Date
EP1393266A2 true EP1393266A2 (fr) 2004-03-03

Family

ID=26076543

Family Applications (2)

Application Number Title Priority Date Filing Date
EP01118998A Withdrawn EP1249995A2 (fr) 2001-04-12 2001-08-06 Recharge optimisée des comptes prépayés
EP02732547A Withdrawn EP1393266A2 (fr) 2001-04-12 2002-04-03 Rechargement optimise de comptes prepayes

Family Applications Before (1)

Application Number Title Priority Date Filing Date
EP01118998A Withdrawn EP1249995A2 (fr) 2001-04-12 2001-08-06 Recharge optimisée des comptes prépayés

Country Status (4)

Country Link
US (2) US20040172362A1 (fr)
EP (2) EP1249995A2 (fr)
CN (1) CN1520582A (fr)
WO (1) WO2002084989A2 (fr)

Families Citing this family (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
US20030157925A1 (en) * 2002-02-21 2003-08-21 Sorber Russell E. Communication unit and method for facilitating prepaid communication services
US8156042B2 (en) * 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
US20050080672A1 (en) * 2003-10-13 2005-04-14 Starbucks Corporation Creating customer loyalty
WO2005048145A1 (fr) * 2003-10-13 2005-05-26 Starbucks Corporation D/B/A Starbucks Coffee Company Carte double
KR100690758B1 (ko) * 2005-04-28 2007-03-09 엘지전자 주식회사 휴대단말기의 선불 통신요금 결재장치 및 방법
US20120047007A1 (en) * 2005-07-28 2012-02-23 Halsey James H Method and apparatus for charging fee to customer
US8200187B2 (en) * 2005-09-29 2012-06-12 Qualcomm Incorporated Cellular telephone credit management
US8412191B2 (en) 2005-09-29 2013-04-02 Qualcomm Incorporated Cellular telephone service management
CN1852386A (zh) * 2005-12-21 2006-10-25 华为技术有限公司 电信用户业务帐户自动充值的方法及系统
US8095475B2 (en) * 2006-03-23 2012-01-10 Exceleron Software, Inc. System and method for prepay account management system
US8054956B2 (en) * 2006-12-22 2011-11-08 Alcatel Lucent Flexible recharge system for prepaid telecommunications service
SE531960C2 (sv) * 2007-01-26 2009-09-15 Smartrefill I Helsingborg Ab Metod för säker exekvering av en betalningstransaktion
US7946475B2 (en) * 2007-03-23 2011-05-24 Sony Corporation Financial server, IC card terminal, and financial information processing method
GB2450144A (en) 2007-06-14 2008-12-17 Cvon Innovations Ltd System for managing the delivery of messages
GB2436993B (en) 2007-06-25 2008-07-16 Cvon Innovations Ltd Messaging system for managing
US8929857B2 (en) 2007-06-28 2015-01-06 Kajeet, Inc. Policy management of electronic devices
US7945238B2 (en) 2007-06-28 2011-05-17 Kajeet, Inc. System and methods for managing the utilization of a communications device
EP2026552B1 (fr) 2007-08-17 2014-02-26 Accenture Global Services Limited Système de recharge automatisée de canaux multiples
US20090089207A1 (en) * 2007-09-27 2009-04-02 Verizon Business Network Services Inc. Prepaid budget calling accounts with overruns billed to a credit card
CN101931579A (zh) * 2010-08-06 2010-12-29 中兴通讯股份有限公司 一种预付费家用设备、其缴费方法、系统及缴费装置
US9137389B2 (en) 2011-11-08 2015-09-15 Kajeet, Inc. Master limits and filters for electronic devices
US8918080B2 (en) 2012-01-17 2014-12-23 Kajeet, Inc. Mobile device management
US10313532B2 (en) 2013-06-13 2019-06-04 Kajeet, Inc. Platform for enabling users to sign up for sponsored functions on computing devices
US10757267B2 (en) 2013-06-13 2020-08-25 Kajeet, Inc. Platform for enabling sponsors to sponsor functions of a computing device
WO2015134384A2 (fr) 2014-03-07 2015-09-11 Starbucks Corporation Dba Starbucks Coffee Company Carte à double fonction avec fonctionnalité de carte clé et fonctionnalité de carte à valeur stockée
DE102016204316A1 (de) * 2016-03-16 2017-09-21 Bayerische Motoren Werke Aktiengesellschaft Fortbewegungsmittel und Verfahren zur Aufladung einer Geldkarte
CN106231147B (zh) * 2016-07-25 2019-09-10 四川通发电信股份有限公司 基于手机号卡的短信余额实时转换方法

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5440929A (en) * 1993-11-22 1995-08-15 Industrial Technology Research Institute Ultrasonic device for measuring thickness of a tank bottom flat plate
DE59606884D1 (de) * 1996-12-12 2001-06-13 E Plus Mobilfunk Gmbh & Co Kg Verfahren zum Aufladen einer Telefonkarte für Mobilfunkgeräte
WO1999012136A1 (fr) * 1997-08-29 1999-03-11 Koninklijke Philips Electronics N.V. Procede et systeme pour executer des transactions sans numeraire et dispositif utilise dans ce systeme
US6038549A (en) * 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
WO2000033264A1 (fr) * 1998-12-02 2000-06-08 Swisscom Ag Procede et systeme pour charger ou recharger un compte avec une valeur correspondant a une somme d'argent
EP1249801A1 (fr) * 2001-04-12 2002-10-16 Siemens Aktiengesellschaft Services prépayés à conditions différentes dépendant du seuil

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO02084989A2 *

Also Published As

Publication number Publication date
EP1249995A2 (fr) 2002-10-16
CN1520582A (zh) 2004-08-11
WO2002084989A3 (fr) 2003-12-18
US20090024524A1 (en) 2009-01-22
WO2002084989A2 (fr) 2002-10-24
US20040172362A1 (en) 2004-09-02

Similar Documents

Publication Publication Date Title
WO2002084989A2 (fr) Rechargement optimise de comptes prepayes
DE3689251T2 (de) Anordnung mit Wertkarten.
EP0827119B1 (fr) Méthode pour charger ou recharger une carte support de données avec une valeur monétaire
EP1240628A1 (fr) Procede pour la selection et le paiement de marchandises a l'aide d'un terminal mobile
DE10134588A1 (de) Verfahren zur Abrechnung von Kurznachrichten in einem Mobil-funknetz und Vorrichtung zur Durchführung des Verfahrens
EP0848537B1 (fr) Procédé pour recharger une carte téléphonique pour téléphones mobiles
EP1309953A1 (fr) Procede et dispositif permettant de transmettre une somme d'argent electronique a partir d'un systeme d'enregistrement d'avoir
US6337903B1 (en) Call setup for prepaid services
EP1016263B1 (fr) Systeme et procede de tarification dans un reseau de telecommunication
DE69930537T2 (de) Verfahren und System zur Identifizierung und Angebührung eines mit einem Dienst verknüpften Teilnehmers in einem Kommunikationssystem
EP1173997B1 (fr) Procede permettant de facturer des communications dans un reseau mobile et module d'identification approprie
EP1555800B1 (fr) Procédé de facturation de transmission de données par sélection de comptes
WO2001024121A1 (fr) Procede pour charger un compte de carte
EP1364332B1 (fr) Procede permettant de debiter un compte de prestation de services gere par informatique, reseau de telecommunications, systeme informatise et progiciel y relatifs
EP1027801B1 (fr) Procede de compensation dans un systeme de telecommunications
CN103139402B (zh) 记账卡业务的实现方法、装置及系统
EP2334046B1 (fr) Affichage de montant de compte au niveau de terminal initié par le réseau
DE102005003640B4 (de) Verfahren und System zum elektronischen Erwerben und Handhaben wenigstens eines vorbezahlten, begrenzten Kommunikations-Guthabenkontingents
WO1999052266A1 (fr) Procede et dispositif pour recharger une carte de telephone portable ou permettre sa reutilisation
DE10359827B4 (de) Verfahren zum Zugreifen auf ein Konto einer Kontenverwaltungseinrichtung
EP1264472A2 (fr) Procede et dispositif de facturation automatique des services d'un operateur reseau
DE19833277C2 (de) Eigentarifierung für öffentliche Telefone
EP1513333A1 (fr) Méthode de transmission de contenu payant à plusieurs utilisateurs de service au moyen d'un réseau de communication
DE10305621A1 (de) Verfahren und Vorrichtung zur Nutzung von Pre-Paid- oder Calling Card Dienstleistungen für Mobiltelefone
DE10003897A1 (de) Verfahren und Schaltungsanordnung zum Abgleich der Tarifklasse in Telefonnetzen

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

17P Request for examination filed

Effective date: 20031001

AK Designated contracting states

Kind code of ref document: A2

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE TR

RAP1 Party data changed (applicant data changed or rights of an application transferred)

Owner name: NOKIA SIEMENS NETWORKS GMBH & CO. KG

RAP3 Party data changed (applicant data changed or rights of an application transferred)

Owner name: NOKIA SIEMENS NETWORKS S.P.A.

RAP3 Party data changed (applicant data changed or rights of an application transferred)

Owner name: NOKIA SIEMENS NETWORKS GMBH & CO. KG

17Q First examination report despatched

Effective date: 20101115

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN

18D Application deemed to be withdrawn

Effective date: 20101103