FI113928B - Advance paid services in a communication system - Google Patents

Description

113928

Prepaid services in the communication system I förskott betalda tjänster i ett komunikationssystem

Field of the Invention

The invention relates to a method and an arrangement for providing access to prepaid calls and / or prepaid services over a communication network.

Background of the Invention

Calls and various services available through the communications network may be charged in different, alternative ways. Charging or billing is usually done according to the call time used, but it can also be based on some other criteria, such as the service purchased through the call or the number of calls made within a predetermined time. In many cases, you should be able to charge the call cost upfront in order to avoid credit losses due to unpaid bills, for example in the case of callers. are not actual subscribers of that operator (i... there are no contracts between them and the operator). In addition, some callers prefer to remain anonymous, so do not want to disclose their identity to the called party, such as the service provider.

The traditional way to charge for calls in advance is to use public phones with coins ^ (or banknotes). These are demanding

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however, a lot of maintenance and service. In addition, some users may find it uncomfortable to carry with them. The number of coins required may also be quite large, e.g., when making an international call or contacting certain service numbers and services. Public pay phones are also common targets of robbery.

Another option for prepaying calls is for an operator to sell prepaid calling cards that contain the desired amount of prepaid balance for calls (for a certain call time). These cards may be equipped with a magnetic stripe, or in some cases even some kind of intelligence (so-called smartcards), and thus the caller must use a telephone with a suitable magnetic stripe reader or smart card reader. During the call, the card's balance is reduced (in units corresponding to a predetermined amount of money), and when the balance is used up, the call is terminated.

Another possibility is to use prepaid calling cards that do not have a magnetic stripe or machine-readable device but which inform the user, for example, of a special (personal) number sequence or code which he then has to enter when making a call. The user must call a special telephone 4 1 ·· «. to a service where he has a personal user account. . which includes a pre-deposited balance, that is, money for calls * · ·. These cards may be, for example, so-called. Pre-Paid Mobile Access Service Cards (PPMA), or scratch cards. These cards can be used on both standard and mobile phones. For these prepaid cards, reference is made to the Applicant's U.S. Patent Application Serial No. 08 / 836,371 (corresponding to WO 96/15633), and in particular to Figure 5 thereof, which is incorporated herein by reference. With these cards »113928 3 you can use almost any phone as the cards do not require any specific readers.

In the foregoing prior art presentation, call tracking can be provided for calls made from a predetermined telephone interface or a special prepaid card. The use of prepaid cards allows the user to make calls from any phone, and yet the call is charged to the user's account with a certain pre-set credit as indicated by the card. The service user receives the Account Code and the Personal Identification Number (PIN) through the card. As the subscriber establishes the call, the call signal is called to the Service Control Point (SCP) of the IN (Intelligent Network).

SCP checks the database to see the current balance of the prepaid card account and can notify the user of the account status (e.g., remaining balance) by voice message or by the terminal used.

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Hill. If the account is empty, the call procedure will be released and • the balance will be released. is positive, the connection to the invitation object is initiated. If the called party responds, charging will begin on the basis of the debit • information and the center will receive a push to »» »update the account balance associated with the card. In addition, the call may be tracked in accordance with other • i * conditions indicated in the subscriber record. The telephone network devices are arranged to keep track during the call, either with the card or, for example, with an account attached to a pre-paid call card. money. If there is no balance left in the account, «I» 'J · * cannot continue and no new calls can be made. It is also possible for the teacher to re-deposit the new balance into the database record account, and thus one card containing the subscriber information can be reused after the balance has expired by depositing a new balance in the account.

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From the operators' point of view, the above card solutions are quite safe, as calls are always charged in advance. Card distribution and sales can also be arranged quite easily and efficiently from different distribution points such as shops, kiosks, newsstands, tobacco shops, etc. From the user's point of view, prepaid calling card arrangements allow you to call any destination without the risk of overcharging the cost of calls is prepaid and, in the event that the prepaid balance is zero, calls cannot be made / resumed. In addition, the user can use any telephone for making calls. The cards also offer anonymity towards service providers.

Summary of the Invention

The inventor has further discovered in the above arrangements. there are some disadvantages. For example, the current arrangement (.t: during a call does not provide the user with any information about the actual balance or the time still available for the call, but the user's available balance is updated only after the call is released and known. ···. This means that the user is unable to determine the actual remaining call time, and when dialing service numbers with different rates and / or rates that change during the connection, • the cost of the call can be quite complex and There is also a need for a solution that allows service providers to pre-charge the use of a particular predetermined service or certain predefined services.

The object of the invention is to overcome the disadvantages of prior art solutions and to provide an improved solution for prepaid calling.

It is another object of the invention to provide a method and arrangement for enabling a telephone user to obtain real-time information on the remaining call time and / or balance.

Another object of the invention is to provide a method and arrangement that enables the user to additionally obtain real-time information on call charging.

A further object is to provide a solution that enables service providers to receive payments in advance for a specific, predetermined service or certain predefined * · t * (defined services. There is also an object of a prepayment arrangement with parameters or prepayment. the information may be modified so that this change does not affect the reliability of the real-time »♦ * information provided to the user.

* * 9, ···, Other objects and advantages of the invention will be set forth in the Explanatory Notes. in the following section with the accompanying drawings.

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Published method for prepaid calls or. to provide services to the telephone user through a telephone terminal and a prepaid telephone service to achieve the '' purposes. The method comprises the steps of providing the user 113928 6 with a personal code, making a call between the telephone terminal and the prepaid call service, assigning the personal code to the prepaid call service, triggering the call to the desired destination, dynamically charging the call from the account reserved for the personal code and which contains the required prepayment information and is duly notified to the user during the duration of the call, based on the remaining balance in the account and the cost of the call and / or the remaining balance on the account.

According to a further preferred embodiment, the call time and / or balance information and other possible information related to call charging are displayed to the user by means of a telephone terminal display device. In addition, the user may prepay for contacting a particular predetermined service, and in this case the personal code provided to the user is a code reserved exclusively for said particular predetermined service. According to one embodiment, the telephone number of the prepaid call service is. freephone number and personal identification code. . makes a call to a predetermined I higher rate telephone number of the desired service provider. In yet another embodiment, the method i.I comprises retrieving data related to a person-specific code from a database in which the person ···. the data related to the individual code contains the constraint • ». ···. meters or other parameters or information related to the use of the ♦ prepaid call service. According to one form of the invention, the account is a hold account, whereby the method is handled. calls as additional steps to dynamically reduce the number of pulses from the account during the call and deduce the remaining prepaid call time and / or balance by calculation using parameters indicative of at least the price of the call and the number of pulses remaining in the account. The method may further comprise a further step of changing the account balance and / or modifying the call parameters or restrictions during the call, wherein said changes and / or conversions are preferably accomplished by the network operator or service provider.

The arrangement of the invention for providing prepaid calls or services to a telephone user comprises a prepaid call service, a telephone terminal allowing access to a prepaid call service, means for providing the user with a personal code, means for calling an account reserved for the personal code, and means for informing the user during the call of the remaining call time on the basis of the balance remaining in the account and the cost of the call and / or the balance remaining in the account.

In yet another embodiment, the arrangement comprises information. the position to which the prepaid calling service has access,. means for retrieving information related to the personal code from the database in response to the personal code received, the arrangement being such that the information and parameters contained in the database can be modified, ···. or, preferably, convert the operator managing the arrangement. through the agency of. The account can be a hold account, which is implemented either in the database of the prepaid calling service smart network or in the user's prepaid calling card.

The invention provides numerous advantages. The solution provides the ability to notify the user in real time of the remaining call time and / or balance (i.e., money or similar units remaining in the account) of the 113928 8 while the call is in progress. Notification can be given in units of time (instead of pulses or units of currency) and thus the user is better equipped to understand the actual situation. Because the determination is made dynamically, the calculated estimate can be changed accordingly if the cost of the connection changes, or the parameters affecting call charging are otherwise altered or modified.

The invention and other objects and advantages thereof will now be described, by way of example, with reference to the accompanying drawings, in which various features throughout the figures refer to like features.

Brief Description of the Drawings

Figure 1 is a schematic representation of a single communication system including an intelligent network node; Figure 2 is a schematic representation of an intelligent network node (IN node) according to one embodiment of the invention; Figure 3 schematically shows one option remaining. display information relating to current call time; • ·

Figure 4 shows one example of a general arrangement for implementing a prepaid call arrangement;

Figure 5 shows an example of an IN database; and Figure 6 shows a flow diagram of one embodiment.

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Detailed explanation of the drawings

In order to better understand the basis of the invention, the general structure of a communication system comprising an intelligent network node (IN node) enabling different call switching and charging operations will first be described with reference to Figure 1.

It should be noted that for the sake of clarity, replicas of some network elements are omitted from Figure 1.

Fig. 1 is a schematic representation of the physical architecture of a public switched telephone network (PSTN), which provides telecommunication connections to its users. The PSTN comprises a plurality of exchanges 20 and 21. The exchanges are interconnected by remote wires 23. The telephone terminal 4 is connected to local exchanges by a subscriber line 6. When a call is made between the first terminal and the second terminal (only one terminal is displayed) . The local exchanges or throughput centers may be based, for example, on the known AX digital switching system provided by the applicant.

·. The telephone system of Figure 1 further includes a mobile communication network, e.g., a GSM-based public land mobile network (PLMN) connected to a PSTN or a similar service, such as an integrated services digital (ISDN) network. net-work). The necessary links between the systems are well known in the art. In the example of Figure 1, the PLMN includes a gateway mobile switching center (GMSC) 18, which is *. connected to a plurality of mobile services switching centers (MSCs) 16, which in turn are connected

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a plurality of base station subsystems (BSS) 113928 10 subsystems 13. Each BSS is coupled to a plurality of base stations (BS) 12, each of which controls a predetermined geographical area called a cell. The system is such that mobile stations (MS) 1, 2, 3 communicate via radio interface with a nearby base station 12, which in turn is connected to a mobile switching center (MSC), which is further connected to the PSTN via a suitable linking device.

The telecommunications network system may include one or more intelligent network nodes. Intelligent network nodes (IN nodes) have an interface with a telecommunications network such as a PSTN or a PLMN. In Figure 1, the IN node 22 has a service switching processor, generally referred to in the art as a service switching point (SSP) 26. The SSP 26 may be a local exchange 21 provided with additional software used to identify intelligent network (iN) calls. . SSP 26, in turn, is coupled to a service control processor, commonly called a service control point (SCP) 27. It is to be noted that the SCP and the SSP may alternatively form an integrated unit called a service switching and control point. (SSCP, eng.

·. : service switching and control point).

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Reference will now also be made to Figure 2, which is a more detailed representation of an IN node comprising an SSP and an SCP. The SSP 26 has a computer 170, a smart peripheral 176, which performs a number of advanced functions, such as voice recognition, trigger function 172, switching function 174, and traffic handling and call control functions 178. Communication connection 190 such as a well-known SS7 connection (CCITT) 7 standardized signaling system No. 7) combines

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SSP to SCP 27. SCP has computer 180 and service logic 113928 11 for implementing various advanced services provided by the intelligent network, IN. As mentioned, it is also possible to integrate the SSP and SCP into a single service switching and control processor (SSCP). In both embodiments, service logic 182 is independent of how network access and transport in the network is implemented.

The SSP 26 provides the user with access to a prepaid network service via a communications network or a prepaid call service provided by SCP 27. While signaling information is generally communicated to SSP 26, it is to be understood that such signaling information is practically communicated to SSP switching and call control functions 178. SSP 26 forwards a request for prepaid services to SCP 27 to establish collaboration on a prepaid network service and a calling between a user / communication device such as terminals 1, 2, 3 and 4 of Figure 1. Thus, the SSP 26 acts as an interface to its various calls on the network through its digital switching function and makes the prepaid call service provided by SCP 27 available. SCP can generally be defined as * ·, an electronic control unit that controls the SSP in an INAP connection. . policies (Intelligent Network! Application Part). The SCP is configured to track calls and dynamically initiate debit transactions for certain prepaid calling cards from accounts reserved for the purpose. As shown in Figure 1, the SSP and the SCP can be connected to one of the exchanges of the PSTN, or they can also be implemented directly in or connected to the MSC of the mobile communication network.

The intelligent network contains databases for 184 different accounts,

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which accounts are designed to provide users with 113928 12 prepaid service accounts (i.e., dedicated user accounts). The accounts are usually executed within SCP. These accounts are discussed in more detail later in this description.

At the service switching point SSP 26, triggering points in the call switching process are detected. A basic example of a trigger point is an attempt to call a specific number. As triggered by the invention, such a trigger point could be the detection of a call to a prepaid call service telephone number, e.g., a specific free service number provided with a specific prefix, such as "0800". When such a trigger point is detected by the trigger function, the SSP computer 170 immediately notifies the SCP of the trigger event 27 and transmits various associated call connection information, such as the calling terminal number and the destination number.

The SCP 27 responds by processing the information on the computer 180 in accordance with the service logic 182 and transmits control commands to the SSP computer 170, which translates the instructions into a. commands for switching and traffic processing and * «t for call control processing to control switching.

«» »· # · * ·. The SSP 26 detects trigger situations, thus recognizes service signals associated with the service * *>, and processes these signals I · '«t *; · to transfer calls to the service control processor 162, * ·, and further receives responses to the service control process .. .. dispute 162, checks, at the request of the service control processor, whether there are specific situations, and if so, sends corresponding messages to the service control processor 162, commands connection establishment and termination on the transmission network and is »·. in collaboration with the Intelligent Peripheral Equipment 176 (IP device). The smart peripheral device 176 can be used, for example, to provide various speech synthesized messages to be sent to subscribers 113928 13 and to receive / decode numbers received from dual tone multi-frequency telephone (DTMF) telephones. In addition, smart peripheral 176 can also receive speech inputs (not just DTMF tones) and use appropriate speech recognition software to decode subscriber responses. Although the smart peripheral 176 may be included in the SSP 26, it may also be a separate node accessed by the service control point 26 through its switching function 174.

Figure 3 illustrates one option for displaying the remaining call time to a user. The mobile phone 1 is provided with a display device 30. The display device displays a notification which may be sent, for example, in the form of an SMS message known to the person skilled in the art (Short Message Service). In this example, the display shows the remaining call time (22 minutes and 10 seconds) and the account balance (FIM 86), as is currently the case. It is to be understood herein that the display device could be any suitable display device connected to the telephone terminal, such as *. ten PSTN telephone terminal display device or PSTN telephone terminal. > «« # I *. . Display connected.

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Figure 4 shows a single arrangement that allows terminal 4 to establish a call to other terminals or services. * ··, a vendor 10. The call is routed to the SSCP, from where it *, ···, is triggered to the IN prepaid a call service (0800 toll-free prefix) and a prepaid premium time card (PPPT) service, which provides access to the desired destinations 10.

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Figure 5 shows one possible IN database record used in the arrangement and its various fields. Preferably, the arrangement is such that when the caller calls the prepaid call service, the service retrieves a dedicated database record. The record may contain, for example, the following fields: 1. A field for a secret personal code (PIN, Personal Identification Number). The length of the PIN code may depend on the security level required (eg, 9-18 digits).

2. The second field contains the administrative code which shows the status of the card. These may be, for example, BLOCKED, USED, FRESH, etc. (in the example, the status numbers of the corresponding states indicate these). This field may also include the card provider code of the service provider that issued the card, which allows the service provider to prevent the card from being used if needed. In one alternative, the network operator or service provider may change the status even during a call.

»· T» · t »·,, 3. The third field contains the service product that issued the card • *! <»I. * Alerts (alert number).

* * t I · * 4. The fourth field contains the destination number or from the destination number ... to which a call can be made. If this t (.. * t field is enabled), a call can only be made to • the numbers assigned to the field to establish a connection between the calling terminal and the terminal providing the desired service.

', 1,' 5. The fifth field contains the remaining session time of the call, which is dynamically calculated during the call.

113928 15 6. The sixth field contains the actual hold account reserved for the card and is dynamically charged during the call as the call progresses. The remaining session time indicated by field 5 is calculated from this pulse rate.

As mentioned above, the accounts used in the invention may be pulse accounts. These are known from prepaid card arrangements already referred to, and will not be further explained except that it is mentioned that the electronic pulses in the account correspond to a certain amount of money in a particular currency, e.g. 1 pulse = 10 pence.

Each pulse account in the IN is dedicated for a specific personal code (e.g., PIN of Figure 5). The user obtains the code, for example, by purchasing a prepaid scratchcard calling card showing the service number and code under the surface to be scratched, or a suitable value card showing a secret personal code reserved for one account. According to one particular embodiment, the prepaid calling card is a special calling card, which has a predetermined Item Number, i.e., a card that can. dollars to ring only one number or service, or * ·. . only to some numbers (indicated by field 4 in Figure 5).

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The card may also have some other restrictions, such as call restrictions, call time per call, geographical location or carrier restrictions, number of calls, and so on. One possible cost of *% * is that the card can only call the data network, e.g., connect to an Internet * * service provider via a modem connection.

* · I i · '·· * The account in the IN node is activated by calling the service and then »» »* entering a personal (unique) code 113928 16. The amount of advance purchase by the user corresponds to a certain amount of money, e.g., the value of the FIM 100 in a manner known per se, e.g., by means of said prepaid cards or vouchers.

In one embodiment, the password or code is disclosed, for example, in a newspaper or magazine. The code allows calls to only one destination number so that the reader can call back to that number, for example to order advertised products and / or services, or to respond to some queries and / or provide feedback to the magazine. Each magazine may display a different unique (personal) code, or each magazine may have the same code reserved for that purpose. In addition, the reader-specific call time using the code can also be limited. It is also possible that such prepaid calling cards are distributed publicly (preferably free of charge), which allows free calling back to a specific number. The advantage of the above solutions over direct dialing is that it is easier to control and that the maximum number of call and / or call times and responses can be limited to the number of * * unique or personal codes shared. through.

Yet another embodiment allows for changes or modifications to information related to the account, such as call parameters or a specific personal code. ···. organization. For example, operator or service provider or user ···. The customer can deposit more money or units into the account, even during a * call. One of the situations where this can be used is that the • operator gives the caller a bonus,. for example, who has spent a certain amount of money on calls, whereupon the bonus is deposited in a dedicated account. In addition, the operator or service provider may temporarily or permanently change the cost of a call during a call (for example, between a regular charge and a special charge, or after a certain time). It is also possible to add / remove some of the existing barring parameters (such as allowed destination numbers, maximum call time per call, time of day when calls are allowed, etc.). The operator or service provider may also perform some control operations that affect prepaid calls. Data changes or conversions are then taken into account when delivering dynamic charging information to the user.

According to one embodiment, a connection between a user data terminal and a service provider (e.g., Internet Service Provider) terminal is desired. In this case, the call may be established as a silent connection using modem connections, that is, the dialing sequence includes the necessary prefix to establish the connection and also the secret code, followed by a transparent connection to the desired service provider's service through the prepaid service without any network prompts. announcements or the like. According to one embodiment, the secret code may be retrieved from the network; / (e.g. from the Internet). The secret personal code is transmitted by encrypted data packet, which is then opened in the terminal.

The IN equipment enabling the above implementation is available, e.g., through the applicant. However, it is to be understood that the details of different implementations may vary from one installation to another.

Exemplary procedures for prepaid calls and / or services by means of the invention will now be discussed with reference to the flowchart of FIG. 6.

After the user has received a personal code such as a scratchcard calling card or newspaper notice, the user can contact the IN's prepaid calling services, e.g., by selecting a special prefix such as 0800 toll-free number or another suitable contact number so that the SSP can routing the call to the service. When the call to the prepaid call service is initiated, the caller may be prompted to enter a secret code, after which the caller will enter a special code string for the service and end the # character. As explained, the secret code is reserved for a specific account, and so IN knows the correct user account to be charged for the call. If the code was entered incorrectly, the caller may be prompted to re-enter the code.

IN verifies your account balance. If the account balance exceeds a certain threshold, then inviters will be allowed to make a call to a destination address, such as another telephone terminal, service provider, or data network. If the account balance is empty. . or below said threshold, sending an invitation message; / to notify them that there is no call time left and for example to ask them to deposit more money in the user account. The message can be purely informative and advises that the user should end the call time. charge more units or money, or it may be a requirement to deposit more units or money at the risk that the call will not otherwise be allowed or that the ongoing call will be terminated.

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According to one embodiment, the balance is notified to the caller at the beginning of the connection. If the remaining balance is less than the amount needed to contact the desired destination number or service, the user may be notified. The additional information may include advice on services that can still be reached with the remaining balance, or a prepaid service may suggest a cheaper alternative to the desired service, or may even automatically link the caller to a lower-cost alternative service and thus still available.

After successfully checking the card, the call is routed to the desired destination. Once the item has responded, dynamic charging functions will be initiated and payments will be deducted accordingly from the user's account. Because the service is aware of the cost of the call / cost of using the service and the number of pulses remaining in the account, it is able to dynamically calculate an estimate of the remaining call time. This remaining call time is communicated to the user, preferably by displaying it on the display device of the phone or by reporting * # as a voice message. For example, the speech message may be given at specific time intervals, or it may be given when a specified time is reached. . chamber threshold (e.g., whenever the remaining time is! shorter by 30 seconds).

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Note that while the above applies to accounts on the network side, it is possible to use on the card side

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. ··. accounts completed. The basic principle here is the same, that is, the remaining call time is determined by the cost of the call and the amount of time remaining in the account. The prepaid call service in the IN can perform calculations.

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If the cost of a call changes during a call, for example, when the first 5 minutes are more expensive / less expensive than the next 5 minutes, or when a special charge period begins, the service dynamically takes this into account and the remaining time is displayed accordingly.

The invention thus provides an apparatus and method for providing a significant improvement in the area of prepaid calls. It should be noted that the foregoing examples of embodiments of the invention are not intended to limit the scope of the invention to the specific forms set forth above, but rather are intended to encompass all modifications, similarities, and variations within the spirit and scope of the invention.

All further embodiments, further modifications, and additional applications, which are apparent to those skilled in the art, are hereby embraced within the spirit and scope of the invention as defined in the appended claims.

Claims (22)

113928 A method for providing prepaid calls or services to a telephone user via a telephone terminal and a prepaid call service, characterized in that the method comprises: providing the user with a personal code included in a special calling card associated with the service; establishing a call between the telephone terminal and the prepaid service; providing a personal code for a prepaid service; triggering a call only to a predetermined destination number or prepaid service according to a special calling card; dynamically debiting the cost of the call from a dedicated account with the necessary prepayment details; and dynamically notifying the user of the remaining call time during the call, based on the balance remaining in the account and the cost of the call and / or the balance remaining in the account. The method according to claim 1, characterized in that the call time and / or balance information and any other information related to the charge of the call are displayed to the user by means of a telephone terminal display device. ... · 3. A method as claimed in claim 1 or 2, characterized in that the user pays for a specific pre-*: · service in advance; and · · · 113928 the personal code received by the user is solely reserved for the purpose of this particular predefined service. A method according to claim 3, characterized in that the user obtains the personal code by means of a prepaid calling card which provides access only to that particular predetermined service. Method according to one of the preceding claims, characterized in that the calling terminal and the terminal at the desired destination are data processing devices connected to the communication system and said personal code is provided to the user by means of data communication via the communication system. A method according to any one of the preceding claims, characterized in that the prepaid service telephone number is a free service telephone number and a personal code routes the call to a predetermined higher tariff telephone number of the desired service provider. · *: 7. The method according to any one of the preceding claims, characterized in that it further comprises retrieving data related to the personal code from the database:: *. personal code data containing limit::: payment parameters or other parameters or information related to the use of the prepaid service. A method according to any one of the preceding claims, characterized in that the dynamic real-time information provided to the user during the call includes,,, ·. including the balance used during the call. 113928 A method according to any one of the preceding claims, characterized in that the account is a holding account and further comprising the steps of: dynamically reducing the number of pulses from the account during the prepaid service; and determining, by means of calculations, the remaining prepaid service time and / or balance using at least parameters that dynamically indicate the cost of the call and the number of pulses remaining in the account. Method according to one of the preceding claims, characterized in that it further comprises the step of changing the account balance and / or modifying the parameters or limitations of the prepaid service during the call, the changes and / or conversions being preferably provided by the network operator or service provider. Method according to one of the preceding claims, characterized in that the prepaid service is established as a silent connection using modem connections. . ·, ·, 12: A method according to any one of the preceding claims, characterized in that the personal code is transmitted as an encrypted data packet, which is then opened at the · · /. · Terminal. • »#» I »♦» v A method according to any one of the preceding claims, characterized in that the code contains various parameters including balance and restrictions that can be changed in real time by the operators or ISPs; and that code processing is dynamically implemented in real time by data transmission *: · *: via the communication system of the user terminal and. . ·. service. 113928 An arrangement for providing prepaid calls or services to a telephone user, characterized in that the arrangement comprises: a prepaid service; a telephone terminal allowing access to a prepaid service; means for providing the user with a personal code included in a special calling card associated with the service; an account reserved for the personal code; means for triggering a call to a predetermined service provider number; means for dynamically debiting the cost of the call from the account; and means for dynamically informing the user of the remaining prepaid service time during the call based on the balance of the account and the cost of the prepaid service and / or the balance of the account. . of. An arrangement according to claim 14, characterized in that it further comprises: "· '' * · a database to which the prepaid service has access; VJ means for retrieving personal code data <»· · from a database in response to a personal code received, wherein the arrangement is such that the information contained in the database and the * t · parameters contained in the database can be modified or modified, preferably by the by the operator. »» · T i | · I 113928 Arrangement according to Claim 14 or 15, characterized in that the account is a hold account which is implemented either in the database of the prepaid service providing intelligent network or in the prepaid service-related calling card of the service. Arrangement according to one of Claims 14 to 16, characterized in that the telephone terminal comprises information on the remaining prepaid service time and / or for displaying the balance and any other information related to the charging of the prepaid service. Arrangement according to one of Claims 14 to 17, characterized in that the account is a pulse account, from which pulses are dynamically subtracted during a call, wherein the remaining prepaid service time is determined by calculation using at least parameters indicating the price of the prepaid service and remaining pulses in the account. An arrangement f ”according to any one of claims 14 to 18, characterized in that the calling terminal and the terminal at the end of the destination number providing the prepaid service are data processing equipment. An arrangement according to any one of claims 14 to 19, characterized in that the prepaid service t 1 h ·· 'is set up as a silent connection using modem connections. ϊ ,,,: Arrangement according to one of Claims 14 to 20, characterized in that the personal code I 1 113928 is transmitted as an encrypted data packet which is then opened at the terminal. Arrangement according to one of Claims 14 to 21, characterized in that the code contains various parameters including balance and restrictions that can be changed in real time by operators and ISPs; and that code processing is implemented in real-time, dynamically by data transmission through a communication system between the user terminal and the service. 113928