KR101140910B1 - Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment - Google Patents

Abstract

Receiving an identification number and service request in a roaming network, sending the identification number, service request and service cost / evaluation to the home network, and by the converged communication platform located in the home network, the identification number is associated with an effective user account and the user device Method and apparatus for mobile, e-commerce, buyer protection and telecommunications services over a network, including authorizing a service, verifying that there is sufficient balance in the effective user account, sending authorization to the service provider, and charging in real time from the effective user account. . The converged communication system determines one or more applicable transaction authorization rules and deploys a set of rules that debit an authorized user's account in accordance with one or more rules in real time.

Converged Communication, Electronic Payment, Heterogeneous Network

Description

CONVERGENT COMMUNICATIONS PLATFORM AND METHOD FOR MOBILE AND ELECTRONIC COMMERCE IN A HETEROGENEOUS NETWORK ENVIRONMENT}

This application enjoys the benefit of the claims of US patent application Ser. No. 10 / 096,912, filed Mar. 14, 2002, which is a continuation of US application Ser. No. 09 / 894,890, filed Jul. 29, 2001.

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a converged communication system for providing services to individuals and companies in the world. In particular, convergence provides mobile commerce, e-commerce and communication services through existing communication switches without using special hardware. It relates to a communication system.

Credit payment (post-payment) for services and payment before service (pre-payment) are known. Post-payment is based on the consumer's credit value, and the firm guarantees the formed post-payment payment to the consumer's continued credit value. Post-payment is well known and widely used.

For example, it is known to have post-pay dial-up payments. By using post-payment, consumers can connect to the telephone network when making long distance calls or roaming a visitor network different from the home network. The telephone company then guarantees payment to another company that provides roaming services based on the buyer's credit value. In addition, for many years mobile operators have provided roaming services to other buyers. Mobile operators typically have roaming agreements with partner operators in other regions, such as other countries, for example, and allow their buyers to use mobile phones in their partner countries or other networks. The home network guarantees payment as a telephone made by their buyer in the visiting network. The visiting network provides the home network subscriber with incoming and outgoing telephone functions and collects, processes and sends payment usage data to the sender's home network. The home network then pays the visiting network.

Over a period of time, the home network telephone company bills the buyer and receives payment from the buyer. Generally, the treatment involves a significant time delay, for example after some time delay between days and months. Thus, the home network must survive as a payment guarantor for the visited network for payment requests by customers. For this reason, current home networks can only offer roaming to post-payment customers (whose credit value is established). With the rise of pre-paid subscribers, telecommunication operators around the world also want to provide roaming services to their pre-paid customers. Today, due to the inherent nature of the non-real-time processing of payment requests for roaming customers, operators are not in a position to provide true pre-paid roaming services to their customers.

Furthermore, it is known that banks or other lenders have post-pay credit accounts and purchase goods or services using the post-pay account. Sometimes, post-payment credit accounts and roaming phone services may be combined together, such as when a credit card number is exchanged through a wireless telephone associated with another ordering service. There is a limitation to this system. For example, a customer may not want to limit their financial exposure to an account or want to establish credit with a telephone company. These customers can set up prepaid accounts. However, existing pre-payment accounting schemes have some limitations.

For example, a prepaid wireless telephone user may wish to use his / her wireless telephone when in the area covered by another telephone company. When used in the future it is referred to as a visit or roaming area or network. While the pre-payment customer has sufficient credit to complete phone payments using another account, such as a credit card, the customer may be able to make a payment with the telephone company in the roaming area and even his original You have not built a “credit” because you are a paying customer, so your roaming network phone company does not agree with your home network phone company, does not have special hardware on each switch that monitors your billing, and also your prepaid account. If you do not fill in this form, the pre-paid customer ("pre-paid roamer") in the roaming area cannot have his / her pre-paid home telephone company account used during roaming. As such, no effective pre-payment roaming exists.

Pre-paid telephony exists in the telecommunications industry. The customer or user is required to pay a certain amount of money to the communication service provider in advance, and the service provider allows the customer to use the communication service by the prepaid amount. Once the user's account balance reaches zero, the service provider stops the service. The customer then has to recharge his / her account by paying additional funds to the service provider.

In order to enable pre-payment communication services, service providers need to control the actual use of funds in their prepaid accounts in real time (e.g., when the service is provided) and the service providers need to We need a system that can calculate the use of account funds when we are in progress. Commercially available technologies today enable service providers to control billing in real time or near real time using a variety of methods.

The first method is a pre-payment platform that acts as a service node for a telephony-switching network. Billing may be made through a pre-payment platform or service node pre-payment platform may be paid in a semi-intelligent network manner (e.g. the platform connects / disconnects the switching network without actually requesting routing through the system). You can control your claims. The pre-payment platform can thus operate as an intelligent network on a telephony-switching network on which an IN (Intelligent Network) operates.

It is also possible to provide a pre-payment service based on the performance of call data records (CDR's) periodically at very short intervals. The switching system allows the usage information to be communicated through the latest CDR port with the configuration of the service provider's billing system, for example, the telephone company switch, which provides the usage information to the billing system at frequent intervals. It is also possible to provide a pre-payment service based on a programming card using an Advice of Charge (“AoC”) parameter that limits billing usage. However, using CDRs is likely to be fraudulent, so mobile operators around the world are not continuing to use them. AoC also does not provide flexibility in calculating usage rates.

Traditional pre-payment systems require, for example, a billing control device in which both software and hardware are located together in a switch. The pre-payment system is connected with a telecommunications switch for the signaling link (eg SS7, MF2RC, or ISDN-PRI, etc.). When the payer calls, the switch routes the signaling information for the signaling link to the pre-payment system. The pre-payment system then accepts the claim and requests that speech be linked to the claim. The evaluation process remembers the billing party's use of pre-payment accounts, and if the balance runs out, the system requests the switch to be separated from the billing claim.

The deployment of a system for this type of prepaid roaming is not effective. For prepaid roaming, all participating and heterogeneous networks need to have the same prepaid system. This means that multiple pre-payment control devices must be properly deployed and used for each participating network. This can be a logical nightmare for many reasons. First, initial deployment of equipment in all participating networks is time consuming and expensive. Second, general operation and maintenance (e.g., charging plan updates, management information, system information, etc.) is difficult to logically base on a daily basis.

In addition, roaming services require data cleaning and financial transaction settlement. Multiparty settlement across multiple network systems is very complex. Setting up customer accounts and managing the network is very complex and some delays can cause enormous discrepancies and confusion for customers. Customers can spend their prepaid account balance when on the visiting network. The customer must add money or recharge his / her account from the visiting network. Recharging a customer from a visiting network has a number of issues, including: how to allow recharging of a customer account if the customer is not a customer of a visiting network service provider, financial transactions related to self-management and settlement of recharge amounts; How to operate a company (e.g. issues related to dealer commissions, streamlined recharge service and transfer of money between home and visiting networks).

If a customer asks for help with his / her account, such as billing information or additional services, the question arises of who will contact customer service. The visited network does not have to have all the information about the customer and the information in the home network does not necessarily need to be present. The visited network may include simple messaging services (SMS), data services, and services related to roaming customers (value added services are valid for the same customer on the home network even while he / she is not roaming) You may wish to provide value added services such as holding a billing meeting, waiting for a payment, etc.). An additional problem arises when the information between the home network and the visiting network has to have concurrency for prepaid roaming customers.

Most telephone companies have in-house information technology (IT) systems today for their operations and business management. Their current pre-payment system is integrated with such in-house operations and business management systems. Telephone companies want to have the same level of integration between their pre-paid roaming systems and in-house IT systems to help them manage their business efficiently. The deployment of multiple prepaid roaming systems implies a variety of integrations. This can be time consuming and expensive in itself.

For post-payment customers, phone companies are willing to take their payment or financial risk because the home network has already assessed their credit value, and the home network agrees to the payment risk. But for pre-paid customers, the home network doesn't even know who the customer is, for example it can be an anonymous customer. This means that both visited and home networks require permanent consent for all types of transactions (eg, not only commercial transactions but also communication services).

Telephone companies also provide customer care for their customers. However, telephone companies provide their subscribers with customer care only when they are in their home network. If the subscriber is roaming, he can call the customer care center on the home network and use the facility. However, providing customer care outside the home network coverage area is difficult due to the fact that customer information is not available on the visiting network. Some telephone company operators may offer limited customer management over visiting networks. But so far, such a system can only be adapted to post-payment customers.

As pre-paid subscribers increase and mobile commerce commercial opportunities grow, customer care is very important for pre-paid customers. Broadly speaking, customers have different needs from a customer care service perspective: information related to the services available at the visited network or at the perimeter location (e.g. whether the customer can send a fax using a mobile phone), regional boundaries (eg For example, information related to who is the closest doctor, information about how to use the visiting network (e.g. how customers call XYZ destinations, and how his / her provided by the visiting network merchant) Whether you are sending a fax using a mobile phone), an account question service (e.g., how much is your customer's balance in your pre-payment account now, what are the last five transactions you've made, and how much that transaction is)? Account / service profile information modification services (e.g. customer wants to change his / her address; Requesting a new service to send), disputes / complaints (e.g., the customer has tried ten times but the claim is dropped each time and the customer does not want to pay for the claim; whether the customer calls XYZ destination Recharge the customer's pre-payment account from a variety of sources (e.g., the customer runs out of funds in his / her account or he / she uses recharge guarantees, bank accounts, cash, or other means). What you want to fill to the end).

The telephone company business is complicated. Some teleco service deliveries require a variety of systems that work in concert to meet customer expectations, for example, to provide complete and accurate information at the right place at the right time and at the right time to ensure that the customer is effectively serviced. To create a service. The telephone company system also needs to optimize the internal operations of the telephone company. It means that the internal employees of the telephone company run their business efficiently with complete and accurate information available at the right place at the right time. The telephone company system also requires that they stay together and are compatible with other third party telephone companies and service providers so that they collectively serve their customers, run their business and share their income. . To meet such many and complex needs of telephone companies / service providers, there is no single system that can provide full functionality. Typically, suppliers, integrators, and telephone companies create customers together and integrate a variety of other systems to provide the special telephone company's needs.

Since the pre-paid telecommunications service business was initially expected to be a separate service, telephone companies typically adopt a single company-specific system to control real-time (or near-real-time) claims that may have variations in real-time definitions. Can be. As the pre-payment telecommunications business is growing rapidly around the world, service providers feel the need to integrate their pre-payment systems with other systems to effectively serve their customers and run their business.

However, prepaid roaming poses a number of challenges to the telephone company's business. All participating networks need to have a common understanding of how to operate the billing flow, how to provide services, and how to operate the business. However, for various systems integrated in various ways on various networks, there are some challenges to pre-paid roaming. One fundamental issue is whether to provide consistent services to customers and to conduct effective business operations in relation to various participating networks, sometimes heterogeneous or different types of networks. For example, one service delivery operator may have a good customer care center while another operator may not have such a good customer care center, while some operators may have a good warranty generation / management system while others Most of these processes can be handled and operated by hand. Simple or complex integration of several different systems does not provide a business solution due to various substitutions and combinations for telephone companies. Also, it is not practical to expect more than one telephone company to abandon their current system and adopt a completely new system of good quality.

Known pre-payment systems are single box solutions that allow limited integration with external systems. Even in the context of integration, it is not possible for other systems to enter the pre-payment system at various levels. That is, no integration to replace some of the functions of the pre-payment system is possible. What needs to be accomplished in order to add additional functionality. This is a major limitation for phone companies to run their business efficiently. For example, if a telephone company already has a PIN (PIN) generation system, and it wants to deploy a pre-payment system for roaming, it's better to use a new pre-payment system for roaming than an old one. It is necessary to use the PIN generation capability. That means that the telephony company now needs to have two separate PIN generation systems, one for non-roaming subscribers and one for roaming subscribers. This creates a lot of confusion in the market, and simple integration with third party systems will not solve the problem. There are other issues, such as distribution management and customer care.

In addition to the foregoing, when a mobile operator enables a mobile business for prepaid roaming customers in a converged telecommunications and commercial environment, it may be necessary to provide financial settlement for various parties involved in commercial transactions by prepaid roaming customers. There is a need. The settlement of a commercial transaction additionally includes: Payments associated with a commercial transaction need to be distributed to one or more of the following entities: Merchants (suppliers or manufacturers, resellers or distributors of goods / services, or such entities) ), Portals (other types of portals, including mobile portals or voice e-commerce portals), Internet service providers (independent agencies or mobile operators or portals themselves), mobile telephone companies (home networks, Visiting network, or both), virtual service provider (content service provider or infrastructure service provider or brand agency or a combination thereof), third party payment agency (e.g. merchant aggregator, payment processing agency, e-wallet) , Or which payment processing agency), the goods / services delivery agency (eg, shipping articles, bandwidth) Suppliers, and insurance agencies). It is also possible for mobile service providers to provide bundled packages (eg, if the customer buys a value of $ 50 while roaming, the roaming charges imposed on the phone are not taken into account). This means that a settlement system must be able to reach various settlement sums based on the tariff and roaming agreement between the various parties involved in the commercial transaction.

It is anticipated that mobile handling devices (telephones, PDAs, etc.) may be used for all types of payments, especially micro payments. Typically, a customer uses his mobile phone to pay for small value items, such as vending machines beverages, tobacco, newspapers, books, parking fees, and low value ones known in the industry as micropayments.

Existing today's technologies allow such payments to take place in one of the following ways: A customer can use his / her mobile phone and at the time of payment he / she will pay his / her credit card or the bank's debit card. You can use it to pay. This means that payments are made through the customer's bank / credit account rather than the customer's phone account. This method has the limitation of making the assumption that all customers have a bank debit or credit card. The current growth of global pre-payment mobile phones shows that there are large parts of the market that do not have any bank / credit relationship for telephony or do not want to use their bank / credit relationship. This is true in some developing countries with poor banking structures. Debit / credit card families also limit the total number of customers who can run a mobile commerce business, so telecom companies can only play a very limited role in mobile commerce. Telephone company revenues are generally limited to telephony connections and the services they provide. However, the customer can use his / her mobile telecommunications account for payment of commercial transactions. That is, the cost of goods / services will be charged to the customer's telecommunications account. At the end of the month, the customer receives a telescoping invoice, which includes the cost of the goods / services purchased. This method has the limitation of making the assumption that the customer is a post-pay account customer. It means that the system does not accept pre-payment customers and therefore cannot carry out mobile commercial transactions. Instead, the system assumes that the payment risk is carried by the telephone company or merchant. At the end of the billing period, the telephone company / merchant must absorb the financial risk if the customer does not pay his / her bill.

The customer may have an e-wallet account, which is an account with a password. Each time, when a customer buys a product, he or she must press a key according to the password, and an electronic wallet company (eg IPIN) can issue a payment guarantee. In this way, the wallet can act as a pre-payment account and the purchase transaction can be approved only when there is an available balance in the account. This method has limitations because every time a purchase is requested, the user must be identified (for example using a PIN, which is usually 12 digits or more). This identification process itself can act as a hindrance and the customer may not be interested in entering the process for the purchase of less value. The telecommunications company will again play a very limited role in the telecommunications commerce, and is limited to the telecommunications connections for which income or fee is provided.

To simplify the mobile commercial purchasing process, the industry is looking for innovative technologies such as Bluetooth, which enables direct communication between the vending machine and the customer's mobile phone. However, these technologies also have the limitation that merchants as well as customers must have a device that can handle them. This means high device cost. The cost economy initially did not justify the minimum investment and these techniques did not address issues related to payment risk. These systems assumed that all customers would be reliable and make their payments. In reality, this is not true. In addition, these techniques do not address issues related to pre-payment customers. Pre-payment customers are unspecified, meaning that neither the telephone company nor the merchant know who is the buyer.

In today's electrical commercial world, read / write memories are becoming more popular. Read / write memories have the ability to store account balances and other information related to customers. Read / write memory does not require any network connection with the back end system. A read / write memory reader can be placed in the merchant's store and the visiting guest can pay using his card. This mechanism seems to be easy to use for both merchants and customers and to enable prepayment.

Each time a service is used, payments associated with that service are withdrawn from the customer's pre-payment account. It is clear that the money in the pre-payment account will reach zero at some point. Thus, the customer is required to recharge his / her pre-payment account. There are a variety of systems that are commercially available in the market offering pre-payment facilities and most of which provide account recharge. Currently available systems enable account recharge: by the issue of recharge guarantees that can be used by the customer (with a guarantee of a predetermined value of, for example, $ 20 with a specific number known as a PIN). The customer calls the service provider's IVR system and the guided menu will allow the customer to recharge his / her pre-payment account by entering its unique password.

Such a recharge system is limited in that the service provider needs to print and distribute the reassurance warranty to the guarantor. This is a big deal and a cost issue. In addition, there are risks of potential fraud with various types of possible falsities, such as leaking passwords to unauthorized users, random numbers of unauthorized users trying to find the right number, and Approved groups are printing fake reinstatements and guarantees, such as fake calls. Moreover, service providers can only supply a predetermined amount of money per warranty. While they offer different types of warranties, each one will only have a predefined amount. This means that the customer cannot choose the exact amount of recharge that he / she would like to do. Furthermore, service providers do not have the ability to provide credit to pre-paid customers. The increase in the use of pre-payment accounts in countries led by high growth credit shows that there is an increase in the use of pre-payment accounts that customers can use more conveniently and easily than any credit on issues. Such customers do not intend to prepay for services they have not yet used. With credit restrictions (guaranteed by third parties, such as banks), such a method will increase the number of customers choosing prepaid accounts.

In situations where a prepaid amount is programmed into a card to be used by the customer (for example, a SIM card, smart card, magnetic card, or any other type of card), the customer can use a special programmed machine that can be used to re-card the card. You can take his card to an outlet near you. This type of prepayment has been used in the past. However, because telecommunications commerce is exploding in popularity, it can be expected that customers will want to use such a solution for micropayment. Programming a pre-payment amount on a card provides customers the convenience of not having to enter a long (sometimes more than 12 digits) code for a very low value transaction. However, such an account recharging method has limitations in that the customer must go to a limited recharging outlet whenever he wants to recharge. Such cards are not recharged elsewhere. Service providers are also incapable of providing service providers with credit features for prepaid customers and issues related to fraud (e.g. access to devices that allow unauthorized groups to enter large amounts of money on the card). You do not want to charge or update these cards in large amounts.

In a normal commercial transaction (for example, using a credit / debit card in a physical store or shop), transaction authorization is typically performed by swiping cards and physical signatures. At times, to defend against fraud, credit / debit card agencies often ask merchant groups / customers to call the bank. The bank then uses an additional security method that asks for the mother's maiden name, date of birth, etc. to confirm that the customer is not an unauthorized person. In the Internet and mobile Internet context, fraud exists as such an additional security method does not exist and does not have any variety of changes available to the prepaid account system. Because of limited security, fraud on the Internet / mobile Internet associated with transactions is very high.

It is known to debit customers' pre-payment accounts when telephone charges are incurred. Debits can come from many sources, depending on the account. For example, it is known to establish a pre-paid phone access account. The customer can then make long distance calls or access the telephone network.

Furthermore, it is known to establish post-pay credit accounts with banks or other payment institutions, which use post-pay accounts to purchase goods or services. Sometimes post-pay credit accounts and roaming phone services can be combined to order services by exchanging credit card numbers with other wireless telephone connections. This system also has limitations. For example, customers may want to limit their financial exposure to accounts and may not want to establish credit with a telephone company for other reasons. These customers can set up pre-payment accounts. However, existing pre-payment account methods have at least some limitations.                 

For example, one may want to use his / her wireless telephone while a prepaid mobile or wireless telephone user is in an area covered by another telephone company. In what is used hereinafter, this means a visit or roaming area or network. While pre-paid customers have sufficient credit to complete phone charges using another account, such as a credit card, the customer may even be a roaming phone company or even the original telephone company (home network or home) because they are pre-paid customers. Area) and did not build credit. Thus, if the roaming network telephone company does not agree with the home network telephone company, does not have special hardware on each switch that monitors billing, and does not debit the customer's pre-payment account, the pre- roaming area (pre-payment roaming party) The paying customer may not have his / her pre-paid home phone company account while roaming. Since these agreements are generally difficult to make, there is no effective pre-payment roaming.

Pre-paid telephony has existed in the telephony business. Customers or users are required to pay a certain amount of money to the telecommunications service provider in advance, and the service provider allows the customer to use the communication for that prepaid amount. Once the user's account balance reaches zero, the service provider stops the service. The customer then has to recharge his / her account by paying additional funds to the telecommunications service provider. Pre-payment accounts therefore need to be maintained as they are. Any transaction that does not have enough funds is treated as a limited transaction.

In the case of a restricted transaction, there are two choices to deal with that transaction. Transactions may be denied. The transaction may be approved by later proof. If the transaction is approved because of later proof, the account provider risks fraudulent transactions. Thus, if many debits occur on the credit account and the credit account provider approves the transaction because of a phone call to the account holder, the credit account provider is generally responsible when the transaction turns out to be fraudulent.

Various credit account providers try to allocate these losses based on their position in the market. For example, credit providers are forced to accept merchants who accept their credit cards to accept the loss of fraudulent transactions. Optionally, losses can be reduced using insurance.

Similarly, credit transactions for accounts are known. Sometimes, pre-approved credit, sometimes called overdraft protection, is used. Once again, an extremely simplified limit is placed on the account. For example, as long as there are funds in the savings account, a charge will be approved to reduce the account balance check below zero, and there is a sequential transfer of funds from one account to another.

It is known to have various discounts for services associated with a particular account. For example, food may be purchased at a discounted amount if the customer is part of a deposit club. Thus, even if the funds are not in the account, the transaction history may be worth enough to discount due to some membership. Additional discounts may be adjusted based on account volume or account history. In addition, advertisements and discounts may be specifically offered to a variety of customers. In addition to establishing a credit account (post-payment) for the service, payment for the service (pre-payment) is also known. Post-payment accounts are built according to the customer's creditworthiness, and the collaborative organization that established the post-payment account ensures the customer's continued credit value. Post-payment accounts are well known and widely used.

In order to enable pre-payment communication services, the service provider needs to control the actual use of funds in the pre-payment account in real time (e.g. when the service is delivered) and the service provider will be able to process the customer's billing in real time. When you need a system that can calculate the use of account funds. There are various systems for service providers available in the market that implement real time usage control.

In addition, roaming services require data cleaning and settlement of financial transactions. Multiparty data cleaning and settlement for various network systems can be very complex. Setting up customer accounts and managing the network can be very complex and some delays can cause huge discrepancies and confusion for customers. Customers can run out of their pre-payment account balance in the visiting network. The customer should be able to add money or recharge his / her account from the visiting network. Recharging a customer from a visiting network has a number of issues, including: how to recharge a customer's account if the customer is not a customer of a visiting network service provider, how to manage financial transactions related to payment management and settlement of recharge amounts; (E.g. issues related to dealer commissions, recharge service functional processes and transfer of money between home and visiting networks).

Various embodiments of the present invention may allow mobile handling devices (telephones, PDAs, etc.) to be used for all types of payments, especially micropayments. Typically, a customer can use his mobile phone to pay for small value items such as soft drinks, cigarettes, newspapers, books, parking fees, and generally low value payments known in the industry as vending machines.

The inability of service providers to provide credit functionality to pre-paid customers can create restrictions on the use of pre-paid accounts. In both developed and credit-driven countries, the increasing use of pre-payment accounts shows that exploding customers are using prepaid accounts that are easier to use and easier to use than any credit related to the issue. These accounts are known to credit value customers as real-time authorization accounts. Such customers do not intend to prepay for services they have not yet used. With credit restrictions (guarantees of payments confirmed by third parties such as banks), such methods are increasing the number of customers who choose pre-payment accounts and real-time authorization accounts.

In situations where a prepaid amount is programmed into a card to be used by the customer (for example, a SIM card, smart card, magnetic card, or any other type of card), the customer may have a special programmed machine available to recharge the card. You can take his card to a nearby outlet. This type of prepayment has been used in the past. However, because telecommunications commerce is exploding in popularity, it can be expected that customers will want to use such a solution for micropayment. Programming a pre-payment amount on a card provides customers the convenience of not having to enter a long (sometimes more than 12 digits) code for a very low value transaction.

However, such an account recharging method has limitations in that the customer must go to a limited recharging outlet whenever he wants to recharge. Such cards are not recharged elsewhere. Service providers are also incapable of providing service providers with credit features for prepaid customers and issues related to fraud (e.g. access to devices that allow unauthorized groups to enter large amounts of money on the card). You do not want to charge or update these cards in large amounts.

One embodiment of the present invention relates to prepaid billing calls and other communication services using a simple telephone switch, as disclosed in US patent application Ser. No. 09 / 395,868. The single phone switch then transmits a set of extensions to the telephone interface comprises an embedded computer (computer telephone interface "CTI") card, a second, secure channel (secure channel). The second, a secure channel is connected via a telephone network, the Internet or other Internet Protocol network to the communication platform. The communication platform can then send an acknowledgment of a billing, connection command, and other commands to a single telephone switch so that the buyer has access to the extension.

By using a second , secure channel to handle the payment authentication and call control, various embodiments described in detail below, along with changes to the communication system, can provide many improvements to the prepaid roaming service. For example, in addition to the pre-payment roaming, the present invention provides an improved converged communication device for mobile payments, electronic payments, account recharge, multiparty clearing transactions, integrated buyer management or other commerce.

Therefore, the first embodiment of the present invention is a converged communication system located at a centralized location or accessible at any location via the Internet, public switched telephone network, SS7 signal line, telephone number, or other known means or a device developed thereafter. to be. Pre-paid roaming billing can be handled at the local telephone switch of signals coming from the local telephone switch to the central converged communication platform so that the buyer has access to his account.

The central communication platform may then authorize phone call after performing several steps. The first step is to confirm that the buyer is the actual certified buyer. The second step is to confirm that the purchaser has authorized the use of this particular service. The third step is to check the account balance of the user of the centralized converged communication system. If the claim is from a buyer, the service is authorized and performs an appropriate account evaluation, and the central converged communication platform issues an authentication number to a local telephone switch.

When the purchaser completes the telephone billing request, the local telephone switch may send a notification of completion of the service tm to the central converged communication platform according to the time of expiration of the bill. If the buyer runs out of funds while making a phone bill, the central converged communication platform may send a message to the switch that the charge claim has expired via the second line. In other cases, the pre-payment roaming buyer can access his account and use the pre-payment service.

In the telecommunications world, different network technologies are the outlets for other regions. The buyer travels from one region to another, from Europe to the United States, and still connects from the roaming area to the same telephone number. Roaming today enables between two networks of the same type (i.e. roaming from one GSM network to another; or from one AMPS network to another). However, due to technical differences, roaming between one network type and another is impossible (ie, a buyer with a GSM phone cannot roam on a CDMA network; a buyer with an AMPS phone cannot roam on a GSM network). . The inability to roam is due to the fact that each technique operates at a different frequency. Therefore, mobile transceivers are not complementary and the phone flow is different in each telephone company's network technology, and subscriber recognition procedures are different in each network type. For example in a GSM network subscribers or buyers are recognized on the basis of IMSI, SIM signal number and MSISDNDML; In a CDMA network, subscribers or buyers are recognized based on MIN and ESN; In AMPS networks subscribers are recognized based on ESN)

The problem of roaming between heterogeneous networks can be solved by one of two solutions: Buyers can purchase multi-band transceivers that can receive paging signals from transceivers that can be recognized in multiple networks (eg 3 Band transceivers allow subscribers to use the same phone in the US and Europe.) Roaming buyers can also go from roaming service providers and temporarily borrow transceivers based on different roaming networks. The telephone company may also allow the buyer to use the same telephone number through call forwarding.

However, this roaming solution is only suitable for post-paying subscribers. The method does not work for pre-payment subscribers capable of pre-pay roaming since all participating networks need to be operated in cooperation with authentication, rate and billing in the buyer's home network pre-pay account. There is no commercial technology available today for prepaid roaming in heterogeneous nets.

With the growth of the prepaid subscriber base, telephone companies worldwide seek to provide prepaid roaming between heterogeneous networks. Therefore, other requirements of heterogeneous network types must be satisfied, and related telephone control information and subscriber information must be available from the telephone or roaming network, and the relevant telephone control information and subscriber information can be generated and transmitted to the subscriber's home network. The subscriber's validity must be able to obtain subscriber authentication based on the profile of the service to be granted to the subscriber as well as subscriber authentication, and if the claim is initiated by the telephone network or the network in which the subscriber is currently located, by telephone or roaming network. It is necessary to be able to send / receive approval or rejection of phone or roaming in the required format, to provide usage information, and to have a solution for multilateral liquidation of services provided between heterogeneous networks.

In addition, a buyer protection solution for roaming subscribers, especially for pre-paid roaming users, should have at least the following possibilities: the ability to recognize that a subscriber is a roaming subscriber when calling a buyer protection center (“CCC”); The ability to communicate with the home network and obtain information related to buyer accounts (balances, entire transactions, etc.) and buyer service profiles (where services are authorized by a particular buyer); The ability to respond to / inquiry of information upon buyer's request; Performance in the buyer's account or service profile (eg, degree of credit / return on canceled request: activity of buyer's new service, etc.); The ability of the subscriber to access the buyer protection system in the visited network so that the buyer can be provided with protection (eg local mutual voice system, integration of buyer protection application, etc.); Ability to update the buyer's home database and recharge his post-pay account while roaming to maintain the buyer's account information integration.

Prepaid roaming may offer a number of possibilities in response to multilateral liquidation for converged communication services. In post-payment roaming, the home network collects money from buyers. Therefore, all visiting networks send roaming buyer usage data to the home network for clearing (directly or through a data deletion / clearing house). In prepayment roaming, buyer A purchases the initial application from network X but network Y Uses a prepayment amount and recharges the buyer account in network Z. In this scenario, although Network Z retains the recharge amount paid by Buyer A, there is no business commitment to Network Z to pay Network Y. Further, network X retains the recharge amount without actually holding the amount paid by buyer A. Network Z may also charge network X for service to provide payment collection or recharge services.

A roaming clearing solution that is available today is only to settle for telephone service, a post-payment service. They do not require prepaid telephone service (single or converged service) and do not require payment processing by prepaid roaming subscribers in the visited network. For this reason, the following methods and systems are needed as solutions: Multilateral liquidation and telecommunications transactions for converged services should be allowed, and formalization rules for each service and settlement transaction should be established. These rules may be used to settle accounts (such as goods / service providers, for example manufacturers, retailers or distributors, or a combination of a number of companies), portals (such as various portals including mobile portals or electronic payment portals), and the Internet for liquidation. Service provider (independent agency or mobile operator or portal), mobile phone company (home network, visiting network or both), visual service provider (content service provider or infrastructure service provider or brand agency or a combination thereof), bank / Credit card company or other financial institution (payment process related to more than one day), third party payment institution (e.g., client organization, payment agency or e-wallet or such payment provider), goods / services delivery company (e.g. Clearance should be made between the frequency bandwidth provider) and the insurers.

In addition, clearing rules should formalize a variety of situations such as: (1) real-time liquidation, (2) liquidation of late payments (e.g. after three or thirty days), and (3) liquidation based on the determination of certain conditions (e.g., Pay only when the carrier delivers the goods, while the insurer pays before shipment), (4) liquidation based on the business relationship between the parties (e.g., the lawyer applies a discount based on volume) And (5) liquidation based on performance (e.g., portals are paid at a lower price per hour when advertisements are delivered to roaming subscribers and are purchased at higher cost if roaming subscribers actually purchase goods / services). Liquidation should consider roaming agreements between specific networks (eg roaming surcharges). Liquidation should be considered on a regular basis by any requirement (eg tax rates and liquidation by government agencies).

In order to be successful in pre-payment services and payment transactions, there is a need for a method and system that can be recharged from any of the following, especially in mobile payments: a reinstatement seal, a direct link to a confirmation account (credit / debit / any form of account). ), Reimbursement of the purchaser from a mobile or fixed telephone, debit of a direct confirmation account (credit / debit / any form of account), bank reimbursement from the ATM or by cash payment at a cash counter. In addition, each pre-payment buyer may formalize the criteria for repayment by the following means: repayment only by telephone (mobile or fixed), repayment by net (internet, mobile internet or any other form of public private network), in particular buyers Repayment (IVR, net or direct or otherwise) only when the upper limit is required, repayment in certain other accounts (bank debit or credit or any other account) where the balance is less than or equal to a certain value, prepayment not by account As a payment guarantee for the account, use of another account, repayment of a number of pre-determined subaccounts from the main account, regular repayment (e.g. daily, monthly, weekly, etc.) and repayment of a fixed amount based on usage criteria defined by the user (E.g., repay the average amount based on the past seven days of use; or the repayment amount is the average of the highest transaction value performed for the past 'x' days)

In a pre-payment converged communication environment, transaction authorization / authentication (communication service or commercial transaction or a combination thereof) requires multiple steps and confirmations to authorize the user, as well as the usefulness or pre-determination of the credit limit associated with the account. -The payment amount must be confirmed. Solutions for all communications connections, Internet or mobile / internet access, commercial transactions (whether physical or net / mobile net) may be authorized, requested by the purchaser based on a PIN, password, secure telephone or all or some combination thereof. Authorization of a prepaid account (service profile authorization) to a particular buyer, authorization of sufficient balance to a prepaid account of a buyer for a service / transaction (the balance may be a prepaid account balance or a declared account) It may be a real or virtual account associated with the buyer's balance or the buyer's prepaid account).

Additional authorization may be performed if it is based on rules established by the service provider (bank, telecommunications or seller or any form of service provider). For example, the service provider may request additional information from the user (e.g., mock unmarried name, birthday or previous transaction value, previous billing value, previous reimbursement or matched by a buyer's predetermined personal question and answer), expensive transaction (e.g., , $ 20 or more), or a special password for the upper limit of a transaction (e.g., 15 transactions per day or 50 transactions per month, etc.). Service providers may perform additional authorizations in accordance with rules established by end users or buyers.

For example, buyers / users can add additional passwords for certain types of transactions (such as ticket purchases), and if the value of the transaction is higher than the previous transaction (if the current transaction value is more than 50% of the sum of the transactions for the last 5 days), then the system You may request additional information (birthday, friend's name, special password) requested by. Based on rules configured by buyers / users, the system may block certain types of transactions (e.g. all e- / mobile commerce is allowed except for pornographic or cross-border remittances currently restricted).

Based on the rules set out above, the Buyer Guardian can consult the Buyer by telephone (eg, the system must communicate with the Buyer for authorization during the authorized transaction). If relying on rules established by the service provider, the purchaser should not be charged for the foster communication / use of additional security information (eg free access).

Thus, one aspect of the present invention to provide a method for providing an m-commerce, e-commerce, buyer protection and communication services through a plurality of networks, the method comprising: a user equipment, an identification code and a service request in the roaming network, Receiving, transmitting an identification number, a service request from the roaming network to a home network and adding a service provider identification number associated with the service provider and the cost or rate of the service; a converged communication platform located in the home network if the service is claimed Confirming that the identification number is associated with a valid user account and that the user device authorizes service and that a valid user account is sufficient to pay for the service, wherein the identification number is associated with a valid user account and Authorizes the service A valid user account includes providing authorization to the service provider if there is sufficient balance and the service is billed, and billing the effective user account in real time as needed to provide the service if a service is billed. .

Another aspect of the present invention is to provide an apparatus for providing a mobile commercial service through a plurality of networks. The device comprises a receiver for receiving a service request including an identification number from a user device located in a roaming network, a service provider identification number associated with a cost of the requested service from a service provider and a roaming network if a service is requested, and the identification number is valid. A checker that is associated with the user account and confirms that the user device authorizes the service and that a valid user account is sufficient to pay for the service; if the identification number is associated with a valid user account, the user device authorizes the service to be received. The effective user account has a sufficient amount and includes a transmitter for providing a certificate to the service provider and a biller for billing the effective user account for the provided service.

Another aspect of the present invention provides a method for providing a prepaid roaming communication service through a plurality of networks, the method comprising receiving an identification number and a destination device number from a user device into a roaming network, from a roaming network to a home network Transmitting an identification number, a destination device number and adding a service provider identification number and the cost of a roaming communication service; by the converged communication platform located in a home network the identification number relates to a valid user account and the user device receives the service Verifying that the user account has an amount payable for first use of the service, wherein the identification number is associated with valid user information and the user device is authorized to receive the service and the user account is reducible to first use of the service; Roaming net The method comprising: providing a greater applied to the step of billing a valid user account in order to provide the above service, and a step in which the user account balance, sends a signal to reach a predetermined level.

Another aspect of the present invention is to provide an apparatus for providing a prepaid roaming communication service through a plurality of networks, wherein the apparatus includes an identification number and a destination device number from a user device into a roaming network and an identification number from a roaming network to a home network. A receiver for transmitting a communication service request including a destination device number and a service provider identification number and a cost of a roaming communication service, for the user device on a roaming network to receive a service whether the identification number is for a valid user account; A verifier that verifies whether the user account is authorized or payable for service use, wherein the identification number is associated with valid user information and that the user device is authorized to receive the service and that the user account is payable for service use; User account cup If the signal reaching the predetermined level include a charge to charge the user's account is valid for the transmitter to be applied to the service provider, providing the service.

Another aspect of the present invention provides a method for providing a consumer protection service through a plurality of networks, the method comprising receiving an identification number and a buyer protection service request from a user device at a roaming network, a home network at a roaming network Sending an identification number buyer protection service request to the terminal; checking whether the identification number is associated with a valid user account by a converged communication platform located in a home network; and if the identification number is associated with a valid user account, Connecting the user device.

Another aspect of the invention provides an apparatus for providing buyer protection services over a plurality of networks, the apparatus comprising an identification number from a user device located in a roaming network and a service provider identification number associated with a service provider from a roaming network. A receiver that receives a request for a buyer protection service, a confirmation that the identification number is associated with a valid user account or that the user device is authorized to receive the buyer protection service, and a buyer protection if the identification number is associated with a valid user account And a connector for connecting the user device to provide a buyer protection service to a provider.

Another aspect of the present invention provides a method for rechare a pre-payment account for a service provided through a converged communication platform, the method comprising receiving an authorization request to use a buyer account located at the converged communication platform. Determining that there is not enough balance in the service for which the buyer account is provided, determining that the buyer account authorizes a recharging mechanism, recharging the buyer account using the recharging mechanism, and fusing a communications platform. Authorizing the use of the purchaser account of the service through.

Another aspect of the present invention provides an apparatus for recharging a pre-payment account for a service provided through a converged communication platform, the apparatus comprising: a receiver receiving an authorization request to use a buyer account located at the converged communication platform; Through a determiner that determines whether the balance of the buyer account is sufficient for the services provided and that the buyer account authorizes a recharging mechanism, a recharger that recharges the buyer account using the recharging mechanism, and the fusion communication platform And a transmitter for sending authorization of use of a buyer account for the service.

Another aspect of the present invention provides a method for establishing a pre-payment transaction to a plurality of providers in a converged communication environment, the method comprising the step of billing a user account for a transaction provided through a plurality of networks in real time; Determining a claim in a plurality of parts for distribution to a plurality of providers involved in providing a pre-payment transaction through a network of providers, setting the provider over a plurality of networks according to the determined plurality of parts. Steps.

The present invention also provides an apparatus for establishing a pre-payment transaction to a plurality of providers in a converged communication environment, the apparatus comprising a billing machine, a plurality of networks to bill user accounts for transactions provided through the plurality of networks in real time. And a determiner for determining the window into a plurality of parts to be distributed to a plurality of providers involved in enhancing a pre-payment transaction, and a transmitter for setting the provider over a plurality of networks in accordance with the determined portion.

The present invention also provides a method for providing mobile commerce, e-commerce, buyer protection and communication services through a plurality of networks, the method comprising receiving an identification number and a service bill in a roaming network from a user device, a roaming network Transmitting the identification number and the service bill from the network to the home network and charging a service provider identification number and service cost and rate associated with the service provider when the service is billed, the identification number being valid by a converged communication platform located in the home network. Checking that the effective user account is authorized to receive the service and that the effective user account has sufficient balance for the service, wherein the identification number relates to a valid user account, wherein the user device Service If gotta and applied to new, further comprising: if there is sufficient balance in the user account is valid provided the application to the service provider, are necessary to provide service and a step of the service is charged to the valid user account to be billed in real time diagram.

Another aspect of the present invention provides an apparatus for providing mobile commerce, e-commerce, buyer protection and communication services through a plurality of networks, wherein the apparatus receives an identification number and a service bill from a user device and the service is a roaming network. A receiver for receiving a service provider identification number related to the cost or rate of the service provider and the service, if billed from, by the converged communication platform located in the home network whether the identification number relates to a valid user account or the user device receives the service A determiner to determine if there is sufficient balance in the service in the effective user account, wherein the identification number relates to a valid user account and that the user device is authorized to receive the service and that there is sufficient balance in the effective user account; Go A transmitter for providing authorization to the service provider, if billed, and a biller for billing a valid user account in real time when the service is billed for service provision, if necessary.

Another aspect of the present invention provides a flexible and sophisticated converged communication system and a method of executing a single user account for handling communications services and transactions originating from many sources. A single account that can process transactions from multiple service providers and trading providers can be used more frequently by allowing fully unused transactions and reducing the cost of other transactions. Various embodiments of the present invention allow for a micro-transaction, multi-system environment within a multi-vender. In various embodiments, a convenient method is provided for authorizing, debiting, and arranging a transaction therein. In various embodiments of the present invention, a method is provided that meets the needs of users connected to converged communication systems and today's hair works.

Another aspect of the present invention is to provide a converged communication system and method that is suitable in an increasingly differentiated world where many parties can make specific transactions. Participants can add value to the transaction and expect rewards based on the value. The real time rules described herein allow many parties to make payment transactions in accordance with the debits and payment plans that the parties agree to. In a composite transaction, each service provider needs to be sure of the payment. Because of this complex cooperative service delivery, each party in the delivery chain can only be assured when the composite transaction is authenticated in real time against an account defined by a guaranteed authentication rule that can be applied at that time (eg, in real time). In various embodiments of the present invention, real-time rules define multilateral debits, and what is specified in the rules allows complex transactions between multi-party service providers to be practical.

Still another aspect of the present invention provides a communication system and method for expanding the suitability and functionality provided by an account for which complex rules related to account refill transaction authentication, real-time debits and complex clearings are allowed, and methods for defining such rules.

A single account that provides buyers with flexibility and security allows for complex transactions that have never been used before. Various embodiments of the present invention provide precise rules that provide safety to the associated service provider and provide the buyer's flexibility and convenience. For example, elaborate rules for creating accounts, authorizing transactions, debiting accounts, and setting transactions between parties can provide the flexibility and convenience required today and future mobile commerce. Therefore, it must be possible to determine whether the requested transaction is possible at any place in time, and the interests should also be determined to allow this. Sometimes it can be a choice for buyers and sometimes it is not.

Determining the exact amount of payment to the right party can be complex, needs to be made at the time of the transaction and must be treated fairly by all traders. Embodiments of the present invention provide real-time or real-time authenticated, debited transactions. Real-time rules are determined based on various considerations. For example, transaction times and dates, details of consumers and sellers, and other factors that may be determined to be appropriate and advanced based on all events may be supported when the transaction is authorized.

The first category of rules used in converged communication systems and methods requires repayment prior to mobile commerce, communication, or other electronic commerce from various service providers, through account refilling and through converged communication systems and methods in heterogeneous network environments, if requested by the user. . Account recharge can include any credit for the account. Various embodiments include known or later developed methods that can transfer cash, stocks, airline miles, memberships, additional periods of membership, credit, transfer rights or account values. Account recharge includes automatic, semi-automatic, artificial or automatic and other artificial within certain conditions. Various embodiments of the present invention provide the following recharges: recharge guarantees, direct linkage of warranty accounts (credit / debit / other account types), recharge of buyers via mobile or landline phones, direct debit of creditor accounts (credit / Debit / other account types), recharge by buyer at bank ATM or by cash payment at counter. This allows the user to recharge from his buyer account by a complex but practical flow.

The second category of rules used in converged communication systems and methods are authorization and valid rules when requested by users, and prior to mobile commerce, communication or other e-commerce from various service providers through converged communication systems and methods within heterogeneous network environments. I need to pay. Since various embodiments of the present invention provide connections to credit services, telephones and the Internet, the rules include an overview of which marginal amounts may be withdrawn from the account. Various embodiments include billing restrictions, second system notifications, account billing restrictions, membership restrictions, or a single transaction limiting method that is currently known or billed later, intercompany transactions, account balances, transaction originators, and transaction acceptors. This allows the user to control the person or method authorized to use the account, which can be complex but functional.

The third category of rules used in converged communication systems and methods debit the rules at the place of user request and prior to mobile commerce, communication or other e-commerce from various service providers through converged communication systems and methods within heterogeneous network environments. I need to pay. Various embodiments of the present invention provide various methods by which various service providers debit the service provider or buyer's account. For example, a telephony service provider may provide one payment to a long distance third account for his account, the roaming network provider's account, and the provider's account.

One aspect of the invention described above is that the rules are borrowed, have a variety of functions, and determine for the authorized user one or more rules applicable when the transaction with the authorized user is authorized, one or more rules for authorizing the transaction. Applying a transaction, debiting an account according to one or more rules for debiting an account in real time when a transaction is authorized, and clearing real-time debits to a plurality of trading providers according to one or more clearing rules.

Various aspects of the system and method may include determining that the authorized user does not have sufficient balance in the authorized user's account for debiting a transaction, determining a recharge user account to transfer funds from the authorized user and And a recharging process with a plurality of functions including determining a recharge user account to withdraw the transfer amount, inquiring a pre-authorized transfer and requesting the transfer by at least one of requesting authorization from the authorized user. Recharging the authorized user account after completion. Another aspect includes the recharging being performed using a plurality of recharging user accounts. Another aspect includes that the authorization request from the authorized user is one of a PIN request, a manual subscription request, a user passphrase request, and a user identification confirmation through biometric means .

For the system and method, in various aspects the applying step is performed using a plurality of rules for authorizing a transaction, and the debiting step is performed using a plurality of rules for debiting an account, and the liquidation The step of performing is performed using a plurality of clearing rules, or the debiting step is performed using a plurality of rules to debit an account, the liquidating step is performed using a single clearing law. In another aspect, the liquidation is at least one of periodic and consecutive partial payments at a specified interval, at the end of each month, at the end of each month immediately, and the step of applying one or more rules to authorize the transaction includes the user PIN, manual subscription, Authorizing the transaction using one or more of user transit and confirmation of user identification via biometric means.

For the system and method, various aspects are considered in connection with a transaction authorization request and include determining one or more rules applied in real time when there is a transaction authorization request according to an algorithm using data associated with a history event. Another aspect is the actual expenditure of all purchases or history risk assessments of the user for whom the history event is authorized, and the useful history data may include constantly changing. Another aspect includes the transaction being requested and the involvement of multiple trading providers by heterogeneous networks.

Aspects of the present invention described above may be obtained by a user input device accessing an account in a converged communication system. The apparatus transmits to a converged communication system to access an authorized user account and request a transaction from an account manager , wherein the account manager is one or more applicable when there is authorization of the transaction and debit of the account for the authorized user. A determinator for determining a rule, a processor for applying one or more rules to authorize the transaction, a debiter debiting the account according to one or more rules for debiting the account in real time if the transaction is authorized, one or more clearing rules And a clearing machine for clearing real-time debits to a plurality of trading providers, wherein one or more confirmations of access of the authorized user account and the confirmation receive a confirmation and clearing notice from the account manager of the debiting authorized user account. Include.

Another aspect of the invention provides a decision maker that determines one or more rules applicable at a time for authorizing processing for an authorized user and debiting the account of the authorized user, a processor that applies one or more rules for authorizing processing, Convergence communications employing a set of rules including a debiter that debits the account in accordance with one or more rules for debiting the account in real time, and a liquidator that clears real-time debits to a plurality of trading providers according to one or more clearing rules, if authorized. It can be implemented by the system.

The present invention also relates to a decision maker for determining in real time a plurality of rules for authorizing, debiting and clearing a transaction at the current time, the current state of an authorized user's account or a plurality of rules for authorizing a transaction at the current time. Where appropriate, an authorization to authorize the transaction, a debiter to debit the authorized user's account in real time and credit one or more trading provider accounts, and a liquidator to clear the transaction in accordance with one or more rules of liquidating the transaction. The rule set may be implemented by the borrowed converged communication system.

Various aspects and advantages of the invention will become apparent from the following description of the preferred embodiments in conjunction with the accompanying drawings.

1 is an example of utilization of a converged communication platform according to an embodiment;

2 is an example of utilizing a converged communication platform for mobile commerce according to an embodiment.

3 is an example of utilization of a converged communication platform for prepayment roaming.

4 is an example of utilizing a converged communication platform for buyer protection.

5 is an example of an international system utilizing a converged communication platform.

6 is an example of a system utilizing a converged communication platform.

7 is an architecture for enhanced data service enabled by a converged communication platform.

8 is an example of a claim for a converged communication platform.

9 is an example of a method for rebilling a pre-payment communication account.

10 is an example illustrating the transfer of information between multiple parties in a converged communication platform.

11 is a block diagram in which mobile commerce is performed while roaming.

12 is an example of a user requesting a roaming service on a converged communication platform.

13 is an example of a user and transaction record for a converged communication platform.

14 is an example of a user account in a converged communication platform.

15 is an example of a mutual growth response using a converged communication platform.

16 is a flow diagram illustrating the use of a pre-payment account in a converged communication platform for multilateral clearing.

17 illustrates an example of a semi-automatic method of recharging a pre-payment account and setting rules for multilateral clearing in a converged communication platform.

18 is an example of a method of generating a steering report in a converged communication platform.

19 illustrates an example of data transmission in a converged communication platform.

20A and 20B are examples of a multi-party real time clearing method in a converged communication platform.

21 is a block diagram illustrating an example of an account management apparatus of a converged communication platform.

22 is a block diagram illustrating an example of a switch management device of a converged communication platform.

23 is an example of business-to-business transactions using a converged communication platform.

24 is a block diagram of a converged communication platform for performing business-to-business commerce.

25 is a block diagram illustrating an example of an account recharge system of a converged communication platform.

FIG. 26 is a block diagram illustrating an example of a system for recharging a pre-payment account using a mutual growth reaction system in a converged communication platform.

27 is a block diagram illustrating an example of a safety system used by a converged communication platform.

28 is an example of multilateral liquidation using a converged communication platform as a liquidation house.

29 is an example of screenshots of clearing merchant information in a converged communication platform.

30 is an example of a screenshot with seller information added to a converged communication platform.

31 is an example of a screenshot in which details about a merchant are added to a converged communication platform.

32 is an example of a rule storage table of a converged communication system.

33 is an example of an apparatus capable of clearing a converged communication system.

34 is an example of a precision account charging method using a converged communication system.

35 is an example of a precision transaction authorization method using a converged communication system.

36 is an example of a precision real time account debit method using a converged communication system.

37 is an example of a method of a precise clearing procedure using a converged communication system.

One embodiment of the present invention to be described below is a system, method, and platform that uses heterogeneous networks and is applicable to converged communications, converged commerce, and converged services. Although various industrial terms and acronyms may be used, the various terms have the additional meanings described below.

Examples of heterogeneous networks are networks of dissimilar or heterogeneous technical elements or combined configurations. Heterogeneous networks, for example, include heterogeneous telecommunication standards such as GSM and CDMA; Other versions of the same telecommunication standard, such as GSM900 and 1900; Other water leveling environments such as NOKIA and ERICSSON; Intelligent network (IN) or non-IN; Other signaling such as ISDN and SS7, other operating systems such as UNIX and MICROSOFT WINDOWS NT; Other flavors of the same operating system, such as SOLARIS (SUN) and AIX (IBM); Different versions of the same operating system, such as 2.0 and 2.1; Other server hardware such as IBM and COMPAQ; Same operator or different network type as Japan's KDDI CMDA and PDC; It can be the same operator or another network, such as VODAFONE in another country.

Examples of convergence can be combined with various technologies and media that provide an advanced level of service. For example, converged communications may include other media such as fostering, data, and messaging; Mobile, fixed or satellite upbringing, data, messaging provided by other service providers; Mobile, fixed or satellite upbringing, data, messaging media provided by other service providers; Mobile, fixed or satellite upbringing, data, messaging media provided by the same service provider; It may be a combination of messaging provided by other service providers. Converged commerce includes a combination of telephone, internet, e-commerce or m-commerce. Convergence services include a combination of communication and commerce services. Converged claims include features that provide a single, merged claim of all communication services and include claims of delivered content or goods. Converged commerce may also refer to merging all transaction claims into daily transactions with costs including items such as premiums, taxes, telecommunications costs, and the like. Converged services may also mean providing a single helper operator who can access, view and modify the buyer's account even if the account does not exist in the local network.

The fusion interface analyzes input / output parameters required for third party components, maps third party components to exemplary fusion communication platform component parameters, and arranges the components to resolve all conflicts. It is possible to configure a number of required and ideal parameters that can be arranged by merging the systems. If the third party system is unable to provide some ideal parameters, the example converged communication platform may generate virtual parameters to do the correct mapping.

Examples of platforms provides the basis for additional attempts. For example, communication platforms such as telephone systems allow data to flow through the communication in many ways. Similarly, converged communication platforms allow the integration of various technologies, enhanced mobile commerce, e-commerce, and buyer protection.

Examples of enhanced services include features such as improvements. An enhanced service can for example improve data requests from one system so that it can be accommodated in the second system; The information related to the stored information can be improved so that the information includes information that is not useful to the original device.

1 is a block diagram of an example of a system using a converged communication platform. In FIG. 1, through input 10, the purchaser connects to device IP 21, wireless device 23 or telephone system access device 25 and the vendor (service provider) service device 50 connects Internet 22, wireless network 24 or public switched telephone network 26. Connected. The vendor service device 50 connects to the converged communication platform 100 through the payment request 52. The converged communication platform 100 then returns to the payment authorization 102 back to the vendor service device 50. The vendor service device 50 can then communicate or confirm the delivery of the service / good and return to the buyer input 10.

In the example of the system, a buyer who desires mobile commerce can receive the service / goods he wants quickly and effectively. For example, if a buyer wants to purchase an MP3 file from an electronic music vendor, the transaction may be operated as follows.

The purchaser who operates the purchaser input 10 attempts to connect to the music vendor through the vendor's service device 50. Buyer input 10 may connect to either IP device 21, wireless device 23 or telephone system connection device 25. IP device 21 may be a network card, a WAP access device, an SMS messaging device, or a device to be developed in the future that is connected to a known or Internet protocol network.

Wireless device 23 may be a mobile phone, cell phone, or other device that uses radio waves or electromagnetic energy to communicate with wireless network 24. The telephone system connection device 25 can be connected to a modem, router, cable modem or public switched telephone network 26. It may be another device.

The Internet 22 may be a switch, router, hub, microwave device, or other communication means capable of transmitting Internet protocol messages from one point to another. Wireless network 24 may be a radiotop and switch system and wireless device 23 may be another device that may be connected to vendor service device 50.

The public switched telephone network 26 may be a circuit switch, packet switch or other bonded device capable of connecting to a telephone system connection to a vendor service device 50.

If buyer input 10 is wireless device 23 and the wireless network is connected to vendor service device 50, vendor service device 50 is a morse or handheld system so that buyer input 10 properly requests a request to purchase MP3 from vendor service device 50. Can be characterized.

The vendor service device 50 may be a combination of a web server, a voice server, a message server, or a wireless access protocol (WAP) server capable of performing mobile commerce and may confirm or confirm delivery of a service or a product at a buyer input 10. The vendor service device 50 receives the buyer request of the MP3 file and generates a payment 52 request. The payment request 52 is sent to the converged communication platform 100.

The converged communication platform 100 then checks whether the user or buyer is an authorized user, the user's account is authorized to perform this type of mobile commerce, and whether there is enough money or funds to service the buyer's account. If the user account has the correct authentication and funds, the converged communication platform 100 generates a payment authorization 102 and sends it back to the vendor service device 50.

The vendor service device 50 then creates a service or product, in which case the MP3 file in the MP3 file is transmitted by either Internet 22, wireless network 24, public switch telephone network 26 or other shipping network to the buyer network or buyer input 10. do.

In various embodiments, the aforementioned steps may be automated by the system in a larger or smaller range. In a fully automated environment, buyer input 10 may be an MP3 player connected to wireless network 24 as wireless device 23 and automatically transfers authorization and routing data to vendor service device 50. So all you have to do is open your device and select the new MP3 file you want to purchase. The device then automatically connects with the MP3 vendor and presents a list of songs for the user to purchase. The user then simply selects the song he wants to purchase and starts downloading the sand as if it were happening at another personal desk.

In another embodiment, security in addition to authorization of services / goods and payment requests may include pins, smart cards, magnetic read / write devices, bar codes, magnetic strips. It can be used through an alphanumeric character or an anti-theft method already known or developed after described in FIG. 27.

2 shows in block diagram an embodiment of a system using a converged service device in mobile (m) -commerce or electronic (e) -commerce. In FIG. 2, the purchaser input 100 transmits a service request 105 to the vendor service device 110. The vendor service device 110 then sends an authorization request 115 to the converged service device 200. The converged service device 200 sends an authorization granted to the vendor service device 100 and sends a payment notification 135 to the purchaser input device 100. The fusion service device 200 then sends a payment 150 to the bank or financial institution for the vendor 140 and a payment 155 to the shipper 160.

In the present embodiment, the purchaser requests the purchase of a movie ticket through the input device 100. The purchaser opens or activates his user device 100 and the service request 105 is sent to the vendor service device 110. The vendor service device 110 may be a foster recognition or fingerprint recognition device that is already known or will be developed later and the user may select the movie ticket specified in the special movie house he wishes to visit. Additionally, the vendor service device 110 can run known businesses as well as movies. For example, you can buy concert tickets or other items.

After the user transmits the service request 105 to the vendor service device 110, the vendor service device 110 may generate an authorization request 115. Authorization 115 may include information based on the purchaser ID and may include service costs and vendor identifiers.

When the fusion service apparatus 200 receives the authorization request 115, it can confirm the user's pre-payment account associated with the user ID and the account is authenticated for the luma of the movie ticket and confirms that the buyer's account balance is sufficient. If the balance of the account is sufficient, the account is authorized for the transaction and the account is a valid account, and the fusion service device sends the authorized authorization 125 to the vendor service device 110 and sends a payment notification 135 to the user input device 100.

The buyer can then receive a movie ticket from the movie theater by a method known or developed. For example, a user enters a dispenser identification number and the dispenser simply distributes movie tickets. Other known means, such as federal mail delivery, may enter an authorization code into the machine in front of the exit and identify itself to the vendor representative.

In various embodiments, the converged service device 200 may know not to pay the vendor service device 110. The converged service device 200 may pay a bank or financial institution associated with the vendor 140. Optionally, the converged service device 200 may simply authorize the transfer from the bank or financial institution associated with the buyer or user to the bank or financial institution of the vendor 140. Additionally, the convergence service device 200 may authorize payment to the shipping 160 who delivers.

3 is a diagram illustrating one embodiment of a pre-payment roaming system in a converged communication platform. In FIG. 3, area 310 has buyer 1, buyer 2, telephone switch A, service manager A and account manager A. Account manager A includes buyer accounts of buyer 1, buyer 2, and buyer 3. Zone 320 has Buyer 3, Buyer 4, Phone Switch B Service Manager B, and Account Manager B. The account manager B contains buyer accounts of buyer 4, buyer 5, and buyer 6. Zone 330 has Buyer 5, Buyer 6, Phoneswitch C Service Manager C, and Account Manager C. Zone 310, zone 320 and zone 330 are connected to public switched telephone network 300 and wide area network (WAN) 350.

The use of wide area network 350 allows prepaid roaming so that account information can be secured and passed. Therefore, if all buyers 1 through 6 are pre-payment buyers with accounts in area 310 or area 320, they may use their pre-payment account regardless of the area present in this embodiment. Various embodiments are described below.

Pre-payment roaming can be operated in the next step. Buyer 1 in area 310 calling up Buyer 2 in area 310 activates his device. When purchaser 1's device is activated, telephone switch A receives a signal and sends a service request to service manager A. Service manager A checks with account manager A whether buyer 1 is a valid buyer and the account has sufficient balance. The service manager A also receives a telephone call and checks with the account manager A whether the buyer is a valid buyer or if there is a balance in the account. After all account information is confirmed to be correct, the service manager A ends the call.

However, there is a problem if buyer 1 in area 310 wants to call buyer 3 in area 320 from the current system. Buyer 1 activates his device and enters Buyer 3's identification number. Telephone switch A receives the service request and sends it to service manager A. Service manager A verifies that buyers 1 and 3 are valid buyers and attempts to terminate the communication. Service manager A operates to attempt to reach purchaser 3 through telephone switch A and public switch network 300. However, in telephone switch B, buyer 3 does not have an account with account manager B, so telephone switch B cannot authorize to complete the telephone call.

However, in various embodiments of the present invention, telephone switch B sends a service request to service manager B, recognizes that purchaser 3 does not have an account of account manager B, and sends the request to service manager A for airspace network 350. Send it through. Service manager A confirms that the buyer is a valid buyer with a balance in his account. Service manager A then authorizes the call to service manager B over the wide area network 350 and causes phone switch B to complete the call. If Buyer 1 or 3 runs out of account balances during a phone conversation, Service Manager A signals Signal Manager A to suspend the phone conversation via Phone Switch A or Wide Area Network 350.

In an existing system of prepaid telephone service, buyer 1 activates his user device to contact buyer 4 if buyer 1 wants to contact buyer 4. The service request is received by telephone switch A and a signal is sent to service manager A, who authorizes the service if buyer 1's pre-payment account exists in account K manager A. Service manager A authorizes the service according to whether the received purchaser 4 is not part of its account or is not on its network. The telephone switch then sends a service request to telephone switch V via public switched telephone network 300. Telephone switch B verifies that buyer 4 is in its area and confirms with service manager B, and buyer 4 has an account. Service Manager B, checking with Account Manager B, verifies that Buyer 4 is the current account owner with the balance. Service manager B then authorizes telephone switch B to make a phone call and then connects with purchaser 4.

However, if Buyer 1 in Area 310 wanted to reach Buyer 5 in Area 330, the known system would not work for the same reason. However, in various embodiments of the present invention, Buyer 1 may activate his access device to call Buyer 5. Telephone switch A may receive a service request and forward a sweep request to service manager A. Afterwards, Service Manager A, along with Account Manager A, can confirm that Buyer 1 is a valid buyer with a balance and Buyer 5 is not a buyer on the network. The telephone swiki A then sends a service request over the public switched telephone network to the telephone swiki C with registered buyer 5 present in its area. Phone switch C then forwards to service manager C, confirming that buyer 5 has no account at account manager C. Service manager C requests account manager B over wide area network 350 to authorize communication. After confirming in account manager B that buyer 5 is a valid buyer with a balance, if communication is authorized by service manager B, telephone switch C authorizes and makes a telephone call between buyers.                 

The case can be summarized as follows.

Case 1: Buyer 1 and Buyer 4 with both Home Networks, Buyer 1 calls Buyer 4

Buyer 1 calls Buyer 4.

2. Since Buyer 1 is a prepaid subscriber, telephone switch A signals Service Manager A.

3. Service Manager A signals Account Manager A.

4. Account manager A verifies that buyer 1's personal identification belongs to the home network and DNIS (buyer 4's MSISDN) does not belong to network 310 and the call starts from network 310.

5. Service manager A confirms that buyer 1 is sincere and responds to telephone switch A.

6. Telephone switch A sends a call to telephone switch B through the public switched telephone network (PSTN).

7. Charge switch B receives the call through the PSTN network and signals service manager B as purchaser 4 prepays.

8. Service manager B receives the signal and verifies that buyer 4 is true through account manager B.

9. Service manager B sends a MAP inquiry and locates buyer B's service telephone switch B.                 

10. Service manager B sends a page signal to phone switch B.

11. Telephone switch B starts paging to purchaser 4.

12. As Buyer 4 responds to the calling service, Service Manager B starts Buyer 4's evaluation and Service Manager A starts Buyer 1's evaluation.

Case 2. Buyer 4 is in his home network, Buyer 3 is roaming in Buyer 4's home network, and Buyer 3 calls Buyer 4.

1. Buyer 3 calls Buyer 4.

2. Charge Buyer B signals Service Manager B, because Buyer 3 is a prepaid subscriber.

3. Service Manager B sends it to Service Manager A.

4. Service Manager A confirms that Buyer 3 is a member of Network 310 and Buyer 4 is not a member of Network 310.

5. Service manager A verifies that buyer 3 is true and signals phone switch B.

6. Telephone switch B signals Service Manager B if Buyer 4 is a prepaid subscriber.

7. Service manager B sends a MAP query through account manager B to verify that buyer 4 in network 320 is true and locates buyer 4's service MSC.

8. Telephone switch B answers and makes the call.                 

9. Telephone switch B initiates paging of purchaser 4.

10. When Buyer 4 answers the call, Service Manager B starts Buyer 4's evaluation, and Consumer Manager A starts Buyer 3's evaluation.

Case 3. Buyer 5 and Buyer 3 are both roaming, and Buyer 5 calls Buyer 3.

1. Buyer 5 calls Buyer 3.

2. After confirming Buyer 5's IMSI (or any unique identifier), telephone switch C determines that Buyer 5 is a prepaid subscriber, signals Service Manager C, and sequentially sends it to Service Manager B.

3. Service manager B confirms that buyer 5 is a roaming subscriber and confirms with account manager B that it is true.

4. Service manager B returns to service manager C that buyer 5 is valid.

5. Service manager C sends authorization to phone switch C.

6. Telephone switch C signals telephone switch A via PSTN if buyer 3 is a prepaid subscriber.

7. Service manager A sends a MAP inquiry to confirm that buyer 3 is genuine and to locate buyer 3's service MSC.

8. Service manager B returns service manager A and sends routing information to phone switch C.

9. Phone switch C sends a call to the service MSC. Example phone switch B                 

10. Telephone switch B initiates paging of purchaser 3.

11. When Buyer 3 responds to the call, Service Manager A starts Buyer 3's evaluation and Service Manager C starts Buyer 6's evaluation.

12. If the parties disconnect, Service Manager C updates Account Manager B over the WAN.

4 is a diagram illustrating an example of an integrated or network independent shopper service system. In FIG. 4, buyer 400 connects to SS7 network 410 or public switch telephone network via path 212 to access service manager (“SM”) 420. The service manager 420 may access an account manager (“AM”) 442, an account manager 444, or an account manager 446 through a wide area network (“WAN”). The service manager 420 then purchases to any of 462 operators / vendors 1, 464 operators / vendors 2 or 466 operators / vendors 3 who have access to the appropriate account managers 442, 444, or 446 to be granted to the buyer protection service. Re-send to Buyer 400 using path 412 connecting 400. The account manager 442 may connect with buyer information in the database 456 through the wide area network 430 or buyer information in the database 454 or buyer information in the database 452 through the wide area network 430. Therefore, the buyer can have a single phone number to call the buyer protection service regardless of the buyer's actual location.

5 is a diagram illustrating that each operator operates multiple switches in their country (regional area). Each participates in international roaming services based on a central roaming data center model. The data center may be operated by one or more telephone companies or third parties. As shown in FIG. 5, operator 1 532, operator 2 534 and operator 3 536 are in country A 530 and are connected to both WAN or TCP / IP network 520 and PSTN & SS7 network 510. Operator 4 546, operator 5 544 and operator 6 542 are also located in country B 540 and are connected to both WAN or TCP / IP network 520 and PSTN and SS7 network 510. Both WAN or TCP / IP networks 520 and PSTN & SS7 networks 510 are connected to the international roaming data center 500. International roaming center 500 may have a server 502, a server 504, a server 506.

Each of the servers 502, 504, 506 can verify that the buyer is genuine and send a service request. Therefore, the service manager and account manager in FIG. 5 may be at any location without necessarily having to be located in the calling area of the home network. The network may be GSM, CDMA, TDMA, AMPS, DAMPS or other network reference including 2.5G, 3G. It is possible, but not necessary, to operate multiple SM / AM's with switches that send messages on special converged communication platforms. The switch in the converged communication platform system is optional and addresses can be local when installed in an international roaming data center. On the other hand, the addresses must be international addresses.

Buyer protection for roaming buyers may be operated as described above. However, it is impractical for each participating telephone company to have a call control device (switch manager server) at the mode switch site, with a large number of operators running largely across multiple countries. The Buyer Account Management and Service Support System (Account Manager) manages each subscriber, establishes / manages an evaluation plan, and provides switch manager IMSI / MSISDN (Individual Subscriber Identity) information that identifies and evaluates each buyer call. Can be used by all participating telephone companies. The account manager may or may not be distributed by the business area.

6 is a diagram illustrating a central account manager 672. As an example, it may be provided to multiple telephone companies in one account centralized manner. As another example, multiple account managers employed in a highly distributed manner may be feasible and each account manager may create one of a particular telephone company or a combination thereof. As shown in FIG. 6, the user 615 may be connected to the cellular phone switch 678 via a cellular tower 690 or a radio. The mobile phone switch 678 is connected to the PS number 650 and the switch manager 674. The switch manager 674 is configured as an interactivity response (IVR) server 686, a simple message server (SMS) 684, a foster mail server (VMS) 682, a network account service (NAS) unit 680, a firewall 676, an account manager (AM) 672. And stimulation hub 640. IVR server 686 connects to Help Desk 688. AM 672 is connected to database 670. Stimulation hub 640 is connected to the access server 628, IVR server 632, electronic mobile portal commerce service 630, proxy server 626 and security server 624. The home / office user 610 connects to the Internet 600 and to the PSTN 650 and Site Router 620. Site router 620 connects to proxy server 626 through firewall 622.

Therefore, the converged communication system shown in FIG. 6 enables international roaming data centers and can coordinate various specialized servers to provide services. For example, NAS unit 680 may be designed as an evaluation calculation server. Other variations and arrangements may be made to adapt a variety of business practices without departing from the spirit and scope of the invention.

This allows switch managers to focus within the International Roaming Data Center (IRDC). Each participating network may be connected to the central switch manager through a signal link (SS7, etc.). Given this possibility, each participating network operator would only need a service management operation in the IRDC to manage the operator's roaming service. In the case of one single server, multiple service managers may be employed, and in each case one service manager server may act as a backup / stand by the others to operate its own donor server or a combination thereof.

The SM assigned to each operator combines the activity of each of the SMs described in the roaming section above. Individual MSCs in each operator's area recognize the callers, make sure their home network is a participating roaming partner, and distribute MSRNNs and so on to them. However, when the MSC sends a signal to the SM, the control traffic does not pass through the switch room but passes through the international SS7 network to the IRDC. The SM can determine the origin of the call and determine the home location of the caller. The SM then manages the assessment based on authorization and the original switch network code (and initial cell ID, etc.) and manages the appropriate scorecards for the MOC and MTC portions of the call.

As described above, in-operator management is handled at the IRDC. Rules based on income distribution are managed and the liquidation of net revenues generated is in real time, daily, weekly or monthly. An example of a converged communication platform handles calls on heterogeneous networks as follows.

1. SM and AM can be specified in multiple network forms. Network-specific information such as GSM, CDMA, TDMA, AMPS, etc .; Signal parameter control information; Subscriber identification-specific information; Communication protocol information.

2. Roaming agreements and rules are carried out in operator-to-operator relationships for service and commerce: per unit bill, payments, taxes, etc., form of liquidation, period, account information, etc.

3. Subscriber Placement: Service profile information, including useful network information for roaming, subscriber identification for each network type.

4. The call can be handled in the following manner.

a. SM receives incoming call signal.

b. Network type identification.

c. Identify the information needed for network type (eg single identifier)

d. Check for home or visiting network calls.

e. Signal generation in the groove using the pressure parameters required for the network type.

f. Validate the service from the subscriber service profile and return to the visiting network to confirm the user / subscriber complaint.

g. Evaluate calls from your visited network type on your account (balance evaluation, validation)

h. If the balance is low or the call is canceled: SM confirms cancellation and sends clearing of post processing information to the home network database.

As businesses become increasingly competitive, mobile operators around the world want to add value to their buyers on the home network by adding services such as data, fax, simple message servers and e-commerce. The value of these value-added services is also limited by operator-specific devices and systems as well as providing services to prepaid roaming subscribers.

FIG. 7 is a diagram illustrating a mobile network 710 having a telephony management system 720, an SMS service management system 722, a fax service management system 724, a data service management system 726, and another “XYZ” management system 728.

Some services billed by the buyer may be based on time and based on other events. In real-time deployment, it may or may not control the authorization / use of all value-added services on the signal link. Telephony services can be controlled on signal links; Fax, SMS, mobile commerce, etc., but this may not be possible to control authorization / use on the signaling link.

For a telephone company or other telecommunications operator providing value-added services to pre-paid roaming subscribers, some interface needs to be established where usage records are collected and run at frequent intervals (eg every one or five minutes). Considering the possibility of value trading, the commerce service must proceed in real time as the transaction occurs.

7 illustrates by way of example how a converged communication platform system manages the use of such value added services for prepaid roamers. The mobile network 710 may access the telecommunications management system 720, the SMS service management system 722, the fax service management system 724, the data service management system 726, and the XYZ service management system 728. Telephony management 720 then accesses telephony assessment 740, which may access the converged communication platform pre-payment account and balance 750. SMS service management system 722, fax service system 724, data service management system 726, XYZ service management system 728 include augmented data service evaluation 742 for SMS, augmented data service evaluation 744 for fax, augmented data service evaluation 746 for data and augmented data service It is connected with gateway 730 to access evaluation 748. The enrichment data service assessment 742 for SMS, the enrichment data service assessment 744 for fax, the enrichment data service assessment 746 for data, and the enrichment data service assessment 748 are linked to the converged communication platform pre-payment account and balance 750.

Before the value added service is authorized, the external system (eg, the system providing the value added service) makes a request through the gateway 730 to the converged communication platform system. Although a detailed example of a converged communication platform system is not shown in FIG. 7, it is signed below. Based on the scorecard, prepaid accounts useful for account balances, and allowed service profile analysis, an example of a converged communication platform may approve a transaction or reject a transaction to an external system through a gateway 730. For each authorized transaction, the external system brakes the value-added service to the standing-payment roaming buyer. At the end of use (or at the end point of the pre-defined amount of time), the external system guarantees reinforcement data evaluation (EDR), which is sent via gateway 730 to one example of a converged communication platform system. An example of a converged communication platform starts an EDR evaluation process for each record, proceeds with the EDR, and updates the buyer account balance information in the exemplary converged communication platform database.

Pre-paid roams may use one or more value-added services while telephony usage is in progress. In the above scheme, an exemplary converged communication platform system, which will be described further below, initiates a telephony evaluation process for telephony use. An example converged communication platform simultaneously proceeds with EDR using an EDR scorecard, EDR rules and procedures. To avoid congestion or significant overruns, the exemplary converged telecommunications platform preferentially allocates an amount in a prepaid buyer account for telephony services (e.g., withholding a predetermined amount of usage time). It is possible that the prepaid roaming user account balance will be below zero to postpone the disclosure of records. This situation can be avoided through a pre-allocated amount for value-added services when the request for service is reached.

For example, the buyer calls in the visited network area. An exemplary converged communication platform handles call evaluation as follows.

1. The subscriber calls through IVR, visits, Internet / mobile Internet or any other means.

2. An exemplary converged communication platform confirms a subscriber by telephone number, user-assigned PIN, or other information or through confirmation that can be automatic or passive.

3. IVR is located in the buyer's home account

4. IVR will send inquiry to buyer's home account to obtain account information and service profile

5. IVR Inquiry Analysis / Progress: Information service is performed by CCC, and account-related service inquiry is performed in addition to home network through exemplary converged communication platform.

6. The buyer then connects to the internet through the WAP service provided by the visiting network and forms a purchase through the seller's site.

7. For payment authorization, the merchant site (or other service provider requesting authorization) to an exemplary converged communication platform in a home network via an IP network (public or private network).

8. The exemplary converged communication platform then checks with the home network authorization database so that the buyer is authorized for commerce (service profile verification) and acquires buyer status

9. The converged communication platform then makes a request to the converged communication platform configuration request and processes the call in the visitor network (in a distributed architecture, the element can be visitor status).

10. Converged communication platforms make requests over contributing or public WAN links. The element in the central structure can be useful positionally

11. Converged communication platform performs authorization request through network

12. If the authorization is passed, the exemplary converged communication platform component (in a form-dependent home or visiting network) verifies information consistency and conducts a complete transaction in the home network database.

13. In accordance with the clearing rules, the exemplary converged communication platform performs clearing

The authorization request can be of two cases: Form 1: Notifying the buyer's current balance; The amount of block 'X' of the amount for commerce (the amount 'X' requested by the seller for authorization adds a service charge charged by the home / landing network based on the roaming authorization). In this case, the final authorization is performed by the home network. Form 2: If authorized, the transaction is performed and the amount X is deducted (the amount 'X' requested for authorization adds a service charge charged by the home / visit network based on the roaming authorization). In this case, the commerce evaluation is performed in the visiting network, the transaction completion is processed, and the clearing record is formed for further processing.

In another embodiment, buyer A located in network X roams in network Z. He needs to increase / recharge his prepay account. An example converged communication platform may allow this in the following manner.

1. Purchase a warranty from operator Z on the market

2. Call network Z IVR number

3. The IVR system reading the MSSIDN number determines from the network code that he is not a local subscriber.

4. If a network ID is provided, the IVR establishes an inquiry in the TCP / IP network in the LAUT database of Network Z, and determines the talk time of Buyer A's home network based on the value of the purchased certificate.

5. Update the LAUT database to your home network

This procedure ensures that all amounts associated with recharging are always sent to the home network, even if recharged anywhere in the visited network. Following a successful roaming call, the gross income charged by the exemplary converged communication platform switch manager should be separated between partner networks in accordance with the roaming freight agreement.

The roaming freight agreement may be stored at multiple locations. The agreement may be stored at the converged communication platform, separate billing server, or at another location where the account has been cleared. In addition, clearing rules may be stored at the converged communication platform, separate billing server, or at other locations as determined by the parties agreed. Additionally, the agreement may be made between the operator of the converged communication platform, the business company of the operator, the buyer and the government.

When performed for any period of time, typically once a day, all call roaming call records (CDRs) are transferred to the clearing procedure. Optionally, usage records can be generated in an industry standard format such as TAP / Cyber to convey clearing information. It may be part of each operator's back office or may be run through a cleaning house operating in an application service provider (ASP) model. An exemplary converged communication platform can compare the revenue of each operator between partners and make a final net transfer.

Such transactions may be stored by the preferred embodiment using a multidimensional database provided in the fusion communication platform elsewhere in the fusion platform. When the preferred embodiment is used, the multidimensional database may store all aspects of the transaction in terms of dimensions in various dimensions that are cleared at various times in accordance with agreements between partner networks or vendors. Also within easy access, the buyer can choose his long distance carrier. In such a scenario, the exemplary converged communication platform clears the PSTN mobile extinction call in the visited network of long term carriers rather than the home plan long distance mobile network. The home plan long range mobile network and the visit plan long distance mobile network may also be a home plan mobile network and a visit plan mobile network (eg, the international plan roaming system eh is a 3G network). In addition, home networks and visited networks may not be based on GSM technology but may be based on other mobile technologies.

The example converged communication platform system may be deployed at a central site and connected to a telephone company network, a merchant network, a guarantor's buyer account system. Exemplary converged communication platforms lead to dynamic interactions between valuation engines or training tables, data and / or events and between buyers' prepaid accounts. At the user's choice (the system automatically selected based on the user at each selected time or defined criteria), the amount can be transferred to the guarantor's buyer account (any form of account) to the exemplary converged communication platform buyer prepayment account. have.

  An exemplary converged communication platform buyer pre-payment account is used for commerce and communication transaction payment procedures. In this case, the buyer's balance is exhausted from the example converged communication platform account, and the example converged communication platform account is recharged as desired from the buyer through the bank's mutual fund or similar guarantor's buyer account. Exemplary converged communication platforms allow for the simultaneous processing of commerce, communication and data transactions in a single buyer prepayment account of the platform. For each transaction, the example converged communication platform may settle payments between all parties that provide services and / or transactions to buyers.

For example, John Smith has a bank account (BA001) and a converged communications platform account (UP987), and John Smith can link his pre-payment platform account UP987 with a bank account BA0001. Of course, BA0001 is a savings, check, debit, credit or other form of account. Furthermore, banks are some form of entity that will guarantee funds to buyers. Based on the criteria defined by the bank, the bank is the same as the guarantor of a portion of the converged communications platform account on behalf of John Smith. For example, BA0001 has a $ 1500 buyer account and banks can allow a limit of $ 100 for a buyer account in a converged telecom platform. In an exemplary converged telecommunications platform account, the actual amount may vary due to a number of factors, such as John Smith's bank statement, and the amount of John Smith is present in the exemplary converged telecommunications platform account and all conditions and requirements are set up by the telephone company, seller, or local regulator. Or the like. John Smith can use the example converged communication platform pre-payment account to recharge using the associated buyer bank or guarantor account to pay for all mobile commerce or communication services using the example converged communication platform account.

For example, if a user has exhausted the balance of his converged communication platform account, he may recharge his platform account from BA001. He may create additional accounts in converged telecommunications accounts (UP001, UP657, etc.) and may use them for specific purposes (e.g., gifts to family members without limitations or limitations in the form of permitted services or online accounts for other offline transactions). Use etc.) He may also limit each subaccount (budget adjustment) or use a main account restriction (convergence telecommunications account) as a free flow restriction on all of the subaccounts (convergence telecommunications account). Limited to a special amount.

Also BA0001 need not be a single account and the limitation of UP987 need not be a small part of BA0001. For example, BA0001 could be a virtual account that combines John Smith's entire financial portfolio (e.g., savings account, credit account, checking account, current market value of stocks / mutual funds), and can accept an account that will arrive from the financial number of BA001. have. In addition, in converged telecommunications accounts, the limit may be higher, lower, or equal to the amount of the BA0001 account.

An exemplary converged communications platform account may be the following scenario: convergence based authorization in a converged communications platform account, if the platform account is integrated with an authorized guarantor's buyer account in a real-time or genuine real-time transaction (balance and debit verification). Authorization based on the balance of the platform account, or authorization based on the balance of the fusion platform platform account if other institutions guarantee the sustained amount . This is based on real time authorization and real time balance .

In some situations / markets, banks may not be involved. In this scenario, the digital debit account may be issued by a seller or seller unit or a telephone company or a third party or a combination thereof. These digital debit accounts are very few except for the issue of accounts by parties other than banks. In this scenario, the digital repayment account-issuing agent may or may not be a partner of a financial institution or bank.

The digital debit account is different from the e-wallets currently available in the market. The e-wallet address is issued only in connection with the payment. The wallet mainly pays attention to the authorized amount. Digital debit accounts, on the other hand, focus on a variety of other aspects related to the buyer (eg, whether the buyer authorizes to purchase or receive a service). An E-Wallet is not mentioned in a continuous, billing-based issuance (e.g., telephony calls, downloadable music downloads, etc.). The digital debit account allows attention and appropriate calculation of billing in the issue. . In other words, the e-wallet does not determine the amount of money withdrawn from the e-wallet account (they depend on the third party in this respect). The digital debit account used in the converged communications platform can determine the amount of consent withdrawn.

An exemplary converged communication platform is connected to a telephone company network as a service node or an intelligent network node and deployed at a central point. The example converged communication platform may also be connected to the bank's buyer account system, the buyer's credit card system, or a third party system to allow online / offline converged communication platform buyer account recharge.

An exemplary converged communication platform account for the purchaser may create two secondary accounts. For example, one subaccount can be used for online / real-time transactions, for communication services, commerce services, or both. Other subaccounts are used for offline transactions. For example, if John Smith has $ 50 in an exemplary converged communications platform account, he has an account A with $ 50, which is used for online / real-time transactions. John Smith has a subaccount B with $ 10. This $ 10 can be transferred to the user's read / write memory device. (Drives separate read / write memory devices or telephone equipment as read / write memory devices or combinations thereof)

When John Smith makes a phone call, downloads music on the Internet, or makes any transaction that requires a real-time rating, the exemplary converged communication platform automatically or by user selection (preselected or at the user's requested time) Use account A for this. When John Smith goes to a store and wants to purchase an iChem other than endorse online / real-time transactions such as coffee, coke, newspapers, and the like, the exemplary converged communication platform automatically or user's choice (predetermined or user requested time). Account B). If the equipment allows online access to the example converged communication platform at the time the sale is made, the example converged communication platform updates the information related to the transaction / buyer profile (bidirectional).

If the balance of subaccount B is insufficient, the exemplary converged communication platform allows a transfer from account A to account B (the user's choice eh is by a predetermined parameter). If John Smith runs out of money in account B, he can also go to the seller's store (considering the renewal balance information on the read / write memory device) and recharge his account. For example, John Smith paid $ 100 in a store, and his read / write memory device received an additional $ 100 renewal, so he could use buyer equipment connected online to the example converged communication platform. Automatically update information and distribute new $ 100 to prepayment accounts A and B as John Smith's wish.

An example converged communication platform may be connected to a telephone company, a merchant network, and a buyer account system of a bank. Exemplary converged communication platforms allow a buyer to define various recharge criteria based on a standard recharge rule engine. The rules engine determines the amount of money recharged in the buyer's account, along with various criteria that may allow the buyer to specialize in the various means of recharging (IVR, ATM, direct transfer, etc.) that the buyer is allowed to recharge. There are various criteria. Thus, the exemplary converged communication platform system is capable of many services through gateways or other means of buyer prepaid accounts.

8 is an example of billing generation of a communication service using a converged communication platform, system, and method. 8 includes eggs in the form of claims, determined claims, amounts withdrawn, amounts due to home and roaming networks, and eggs on the basis of decision hearing. For example, commerce needs to pay for mobile source calls (MOCs) to the home network through service fax recals and recharges.

9 is one embodiment of a method for recharging a pre-payment buyer account for a converged communications platform, system, and method. The method shown in FIG. 9 is automatic recharge. However, other forms of recharge are within the scope of the present invention, including additional steps of confirming recharge to the buyer, additional steps of confirming recharge to the bank or third party, additional time associated with confirmation time or other variety. The method has sufficient funds in the buyer's prepayment account from the start 900 and continues with the decision at 910.

If it is determined at 910 that there is sufficient funds in the account, the decision forms whether the prepaid user account is valuable. If there is not enough funds in the account, the method continues to determine whether to form a refill rule at 920. If there is sufficient funds in the account, the method proceeds to step 912 to authorize the service. If the method authorizes service step 912, the method continues to end 950.

The above method forms a "recharge rule?" If continued to step 920, a decision is made whether the buyer has made a pre-payment recharge in his account. If the buyer authorizes automatic refilling of the account, the method reads "What is recharging?" Continue to step 930. If the buyer has not authorized automatic refilling of the account, the method ends with service step 922. If the method proceeds to end of service 922, the method continues to end 950.

The standing method is "recharge?" Continuing at 930, the decision recharges the bank, credit, investment account or pre-authorized loan account. If the "Recharge?" Is from a bank, the method continues with the E-commerce to bank 932. When recharging with credit, the method continues with E-commerce to credit company 934. If recharging is from an investment account, the method continues with an E-commerce transaction with investment company 936. If the refill form consists of a pre-authorized loan, the method is an E-commerce to the rental company 938. Regardless of the recharge type, the method continues to step 940. In step 940, the converged communication platform recharges the pre-payment buyer account and returns when the fund is determined to be sufficient for the buyer pre-payment account 910.

As mentioned above, the user can recharge the account from various sources. The recharging may be at the user's choice or rule. For example, the user can predefine the first $ 5,000 of recharge to come from the investment company and later to the new account. In addition, the user can apply a recharge based on various methods, such as time, balance, recharge amount, and other factors. For a recharge account, an agreement can be reached between the converged communication platform operator, recharge company and recharge company and buyer of the platform and recharge company. The agreement may be recharging rate, clearing timeframe, insufficient funds, recharging company, account balance notice and other elements of notification. Data relating to recharge account agreements, rules and procedures is preferably stored in the account and / or service manager of the converged communication platform.

10 illustrates an exemplary relationship between a dealer 1010, a sales agent 1020, a user 1030, an external carrier 1050, a company & home account 1040, a VMS subscriber 1060 and a fusion service operator 1000. Shows. The user 1030 can place an order or cancel an order and enter a password into the converged service operator 1000. The user 1030 may receive a service in return. As an exchange value for the service that the user 1030 receives, the fusion service operator 1000 can start paying from the company and the home account 10400. If the user 1030 wants to recharge their account , He may go to the sales agent 1020. The sales agent 1020 may recharge the account at the fusion service operator 1000 and receive commission in return. The recharged account allows the user to approve payments to the dealer in exchange for services that the user may receive In addition, the external carrier 1050 may provide a virtual phone number adjustment and convergence service. The operator 1000 may receive approval for services such as payment or notification services as well as updating rating information. One box information, payment takes to keep the bills and correspondence, you can be the answer to your question, welcome letters, payment reminders.

Figure 11 illustrates one embodiment of a converged system that enables mobile commerce of roaming networks. User device 1130 is coupled to roaming network 1120. The roaming network is connected to the converged service provider 1150. The converged service provider 1150 may be connected to the internet 1100 and the converged service provider 1140. Merchants 1160 and 1170 may be connected to the Internet 1100. The home network 1110 may also be connected to the swimming service provider 1140. The converged service providers 1150 and 1140 are both organizations that maintain converged communication systems that diversify service areas.

In operation, the user device 1130 when in the roaming network 1120 may be connected to the fusion service provider 1150 to initiate a mobile commercial transaction. The converged service provider 1150 sends a request for a mobile commercial transaction to the converged service provider 1140 on the home network 1110. The converged service provider 1150 may also be connected to the internet 1110 to contact the merchant 1160 and provide a delivery service to the user device 1130 or a delivery confirmation of the goods to the user device 1130. 1170.

12 shows an example of prepaid roaming service activity according to an embodiment of the present invention. At location 1200 where home network 1201 is in Italy 1210, the mobile phone pre-payment user team travels to Spain 1220 with roaming network 1222. In Spain 1201, the team wants to recharge his pre-home customer account. At location 1201, the team contacts roaming network 1222, which establishes link 1224 to SS7 1240, which establishes link 1242 to converged service manager 1250. The converged service manager 1250 sends the team's current account information to the roaming network 1222 via links 1224, SS7 1240, and links 1226. The roaming network 1222 contacts the bank 1232 of France 1230 to recharge the pre-paid customer account of the team of the converged service manager 1250.

Figure 13 illustrates one embodiment of the structure and information data of a user's account for a converged communication platform. Customer accounts include, but are not limited to, home table 1300 and authorization information table 1320. The home information table (1300) includes Home Major Number, Title, First Name, Baptism Name, Last Name, Address, Phone Number, Fax, Email, Comments, Occupation, Last Payment Date, Credit Limit, Credit Remaining, Current Balance, Last Payment Date, This includes, but is not limited to, valid cards, statuses, and status changes. The approval information table 1320 includes, but is not limited to, values, blocking periods, validity for entries, counters used, approval status, recent approval order, phase code, transfer to ROC. The request information table 1310 includes, but is not limited to, an external code, start string, coverage, password, initial valid code, and status.

14 illustrates one embodiment of a customer account connected to a voice mail system for a converged communication platform. Customer accounts include, but are not limited to, customer table 1400, voice mailbox 1410. Customer table 1400 includes password, title, first name, baptism name, last name, address, charge number, fax, email, status, status change date, profile ID, occupation, language ID, activated date, last billed date, current balance , Final payment date, notice, and welcome message. Voicemail box 1410 includes, but is not limited to, operator name status, and import box numbers to accept. Voicemail system profiles can be added and include descriptions, total message links, individual message links, message age, charge recharge, last rate, rate type, allocation, expiration date, expiration date, money, and total messages. have.

15 illustrates one embodiment of a mutual speech response system that may be used as a fusion communication platform. The method of FIG. 15 begins at start 1500. The method continues with executing prompt number 1 to user 1510. After prompt number 1 is executed to the user at 1510, the method moves to waiting for number 1512. If a digit is entered, the method follows the number to check number 1520. In checking number 1520, the method continues to 1530 if the number is a valid number. If the number is invalid, the method returns to 1514.

At 1514, a decision is made that the maximum retry has been reached. If the maximum retry has not been reached then the method is executed as user 1510 at prompt 1. If the maximum retry is reached, the method continues with prompt 4 (1560).

In the execution of prompt 2 to user 1530, it is determined whether it is numbered or the execution has reached the end. If prompting user 1530 has reached the end of execution, the method waits for number 1532. If the execution of the prompt for user 1530 has a number, the method continues to execute prompt 3 for user 1540. In waiting for number 1532, there is a wait until it gets the number. Once the number is accepted, the method goes to executing prompt 3 to user 1540.

Execution of prompt 3 to user 1540 determines whether it has reached the end of the execution or if it has accepted the number. If the user 1540 executes prompt 3 at the end of execution, the method waits for the number 1542. If the execution of prompt 3 to user 1540 accepts the number, it continues to check number 1550. In the number 1550 check, if the number is a valid number then the method goes to register the short code and the actual number in the database 1570. Otherwise the method goes to executing prompt 4 1560.

16 is a flowchart illustrating the use of pre-payment accounts in a converged communication platform for multiparty settlement. Prompt 1 may cause the fusion communication platform to select a party type based on an already established rule. The party type goes into selecting the party type 1610. Selecting the party type 1610 can be one of a company, home, dealer, or sales agent type. If the party type is company, the method moves to selecting compartment 1612. If the party type is home, the method moves to selecting home 1614. If the party type is a dealer, the method moves to selecting a dealer 1616. If the party type is a sales agent, the method moves to the sales agent 1618.

Depending on the party type selected, an appropriate type of ID is sent to view the party code and the outstanding quantity for a fixed amount 1600 of payment. Thereby the user recharges or builds up the prepaid amount. Relative information is stored in an appropriate quantity for the partycode and in a fixed quantity 1600 of payment for the converged communication platform.

The prompt 2 payment method allows the converged communication platform to select a payment method based on a predefined rule. In selecting a payment method 1620, the type of payment method is selected from a credit card bank and cash. If a credit card is selected, the method moves to enter credit card information 1640. The method moves to confirm the outstanding amount and the party code and payment of the fixed amount 1600.

Confirming the outstanding amount and payment of the specified amount (1600) for the party code includes am_partition information (1630), am_home information (1632), dms_ dealer (1634), dms_ sales agent (1636), pp_ It may proceed to any of Intra 1638, pp_credit card 1640, pp_fatetrans main 1164, and pp_main payment 1644. Therefore, multiparty settlement is done.

FIG. 17 is an embodiment of a semi-automated method of recharging a pre-payment account and enactment of rules for multiparty settlement that may occur in a converged communication device. The method selects to begin at start 1700 and continue to check the list of party types 1701 and codes or O / S payments 1710.

If the method is to check the list of outstanding and settled (O / S) payments 1710, the method will determine the first or current scheduled payment. The method continues to select a payment method 1720. In the selection of the payment method 1720, the method will determine the type of payment based on a pre-defined rule. If the rule points to cash, the method moves to cash 1722. If the rule points to a check, the method moves to check 1724. If the rule points to a credit card, the method moves to credit card 1726.

If the rule indicates check 1724, the method continues to insert into bank 1725. If the rule indicates a credit card 1726, then the method moves to inserting credit card information 1727. After entering the appropriate information as previously stored in the converged communication platform, the method continues to insert transaction record 1730. The method continues to end 1740.

If the rule indicates a party type and code, the method continues to step 1712. In determining the party type and code, the method determines the type of party that needs an account update. If the rule points to a company, the method moves to update company 1702. If the rule indicates home then the method continues to update home 1704. If the rule points to a dealer, the method moves to update dealer 1706. If the rule indicates a sales agent, the method moves to update sales agent 1708. The method continues to end 1740.

18 shows an example report generation method for use with a converged communication platform and system. The method may begin with batch information 1820, order information print 1810, lot information 1830, merchant information print 1860, or any card type 1850. The method continues with the generalization report 1800 and continues with the preview report 1840. If the method begins with batch information 1820, the batch number unit class and batch number need to be entered from the storage of the converged communication platform. If the method starts with lot information 1810, the PO number, PO status, and PO date must be entered. If the method begins with all card types 1850, a credit card type description must be entered. If the method starts with merchant information printing 1860, the merchant's name must be entered.

19 is an example of data transmission in a converged communication platform. As shown in FIG. 19, the user device 1900 may have a data storage structure such as 1905 that includes end user information, end user enabled account information, telecom information, billing data capture information, and user data capture information. The user data structure 1905 may also include communications device billing control and billing control and data capture functionality capable of communicating with the communications device for payment, and settlement processing and customer care 1940. The Internet ISP 1910 may have a data structure 1915 that includes information about end users, end user enabled accounts, ISPs, billing data capture, and user data capture associated with advertisements and commissions. The data structure 1915 may also include a module for controlling the communication device radius, usage control and data capture that can communicate with the communication device or payment, settlement processing and customer care 1940. Portal 1920 may include data structure 1925. The data structure 1925 may include end user information, account access information, portal information and account management information. Data structure 1925 may also include data capture capable of communicating with a module for communication, device payment, insurance, and communication devices for payment and settlement processing and customer care 1940. Merchant 1930 may include data structure 1935. The data structure 1935 may include information about the end user, cart entry to a possible account, merchant, billing data capture, and user data capture. The data structure 1935 may also include data capture capable of communicating with a module for communication, device payment, insurance, and a communication device for payment and settlement in customer care 1940. A communication device for payment and settlement processing and customer care 1940 can communicate with data mining / customer relationship management (CRM) 1950.

20A is an exemplary method and system for multi-party real-time settlement for a transaction or service by a customer with a prepaid, recharge type account using a converged communication platform. The example method begins with an end user 2000 initiating the method. The method continues with pre-payment recharge (re-appliance) 2010.

In pre-paid recharge (2010), the user can automatically advance in advance or upon request of a service and / or transaction, what other of them turns off the platform account and what amount associated with each of those accounts is recharged to his pre-paid platform account. Determine. The method continues with real time financial settlement 2050.

Real-time financial settlement 2050 receives a request for payment from telephone company 2060, ISP 2062, portal 2064, merchants 2066, bank 2068. Merchant management 2070 is a means for obtaining real time and direct financial settlement 2050. Merchant management 2070 specifies whether the settlement for the included multi-party is immediate, delayed, with additional approvals, or in a form well known in the art. Thus, there is an exemplary embodiment of a converged communication platform that can settle a transaction involving multiple parties for multiple time frames.

20B is another exemplary method and system for multi-party real-time settlement for transactions or services by a customer with a prepaid, recharge type account using a converged communication platform. The method begins by initiating the method with an end user 2000. The method continues with pre-payment recharge 2010.

In pre-paid recharge (2010), the user can automatically advance in advance or upon request of a service and / or transaction, what other of them turns off the platform account and what amount associated with each of those accounts is recharged to his pre-paid platform account. Determine. The method continues with the bank 2010. At the bank 2020 the funds are transferred from the bank to the real time financial settlement 2050.

Real-time financial settlement 2050 receives a request for payment from telephone company 2060, ISP 2062, portal 2064, merchants 2066. Merchant management 2070 is a means for obtaining real time and direct financial settlement 2050. Merchant management 2070 specifies whether the settlement for the included multi-party is immediate, delayed, with additional approvals, or in a form well known in the art. Thus, there is an exemplary embodiment of a converged communication platform that can settle a transaction involving multiple parties for multiple time frames.

21 is an example embodiment of an account management device 2100 for use in a converged communication platform. The account management device 2100 includes a subscriber account manager 2160, a SIM preparation 2170, a SIM distribution 2180, a SIM order 2190, a settlement of accounts 2150, a warranty preparation 2140, a warranty distribution 2130, and a warranty. Order 2120, password generation 2110.

22 is a block diagram of an example switch manager 2200 for use in a converged communication platform. The switch manager 2200 may include an assessment 22300, a billing control 2220, and a balance 2210. The assessment 2230 may be a real-time or various incremental, cost assessment of the requested service. Overcharge or risk included in a commercial transaction can be determined Billing control 2220 can track all simultaneous debits on a user's account and send signals to the user or user account to recharge, approve or bill for performance of recharging. May be sent to various third parties to approve the additional amount upon termination Balance control 2210 may track instantaneous balances in the user's account or provide a determination when the user's balance reaches a predetermined level. have.

23 is a block diagram illustrating an example of a business-to-business converged communication system. As shown in FIG. 23, Firm 1 2330, Firm 2 2332, and Firm x 239 are dsrufed to converged communication system 2300 via Internet 2310. Additionally, Company A (2340), Government (2342), Utility A (2344), Utility B (2346), Merchant (2348), and Supplier (2349) connect to converged communication system (2300) through Interjet (2320). do. The converged communication system 2300 may be connected or integrated with the virtual account 2302, the general account 2304, and the bank system 2306. Thus, a company, such as Firm 1 2330, only needs one connection to the Internet 2310 to conduct business-to-business transactions with any of Firm A 2340 through provider 2349.

24 is a block diagram illustrating another example of a business-to-business fusion communication system. In FIG. 24, user 2400 is connected via telephone 2410, ATM 2412, WEB 2414, WAP 2416, agent 2418 via bank 2420. The bank 2410 is connected to the B2B gateway 2434. The B2B gateway 2434 is part of a converged communication system 2430 that includes a converged communication device 2432. Converged communications device 2432 is coupled with a telephone company or other company billing system 2440. Thus, user 2400 may deposit or transfer funds using phone 2410, ATM 2412, WEB 2414, WAP 2416, agent 2418 and between accounts and / or telephone company or company. Funds may be transferred during designated business-to-business transactions using the bank 2420 to the billing system 2440. In addition, as shown in FIG. 24. The bank 2420 needs to have one connection to the converged communication system 2430 to run business versus business commerce with many other entities.

25 is a block diagram of an example system for re-charging (recharging) a customer pre-payment account in a converged communication platform. In FIG. 25, various devices such as ATMs 2506, 2504, 2502, and 2508, an investment company 2530, a bank 2 2520, and a bank 1 2510 are connected to the X.25 network 2500. The X.25 network 2500 is connected to the router 2549 as part of the converged communication platform 2540. The converged communication platform 2540 may include a firewall 2544, an account manager 2546, a customer management 2548, and a bank 32542. Account manager 2546 may be coupled to database 2547. Thus, the customer user can access his account in the converged communication platform 2540 from remote means such as the ATM 2506.

FIG. 26 is a block diagram of an example system for recharging a customer pre-payment account using a mutual voice response system of a converged communication platform. As shown in FIG. 26, the silver row 1 mainframe 2610 includes an ATM, telephone company 2 (2640), telephone company 1 (2630), and bank 2 from 2602 to 2608 via an X.25 network (2600). It is connected to any of the mainframes 2620. The converged communication platform 2650 may also be connected with the X.25 network 2600. The converged communication platform 2650 may include a router 2660, a firewall 2658, an account manager 2656, a mutual voice response system 2654, and an operator 2652.

Thus, a customer user connected to converged communication platform 2650 via telephone company 1 2630 may have his request to connect to router 2660 via X.25 network 2600. Router 2660 may use firewall 2658 to prove the user and the request may determine that a mutual voice response system 2654 should be used. The mutual voice response system 2654 may handle account refilling or if the customer has difficulty, the mutual voice response system 2654 may notify the operator 2652 of the charge. If the mutual voice response system 2654 can handle recharging the account, the user entering the command or digit will use the X.25 network 2600 to record funds in the platform database 2657 on the user's Bank2 mainframe 2620. Can be transferred to the platform account manager (2656).

  27 is a block diagram of an example security system used by a converged communication platform. As shown in FIG. 27, a password 2701 may be input to the user device 2700. User device 2700 may include a subscriber identity module (SIM) 2702, an international mobile subscriber identity (IMSI) 2704, an international mobile station device identification (IMSEI) 2706. The user device 2700 can send any of those numbers needed for security to the telephone switch 2730. The telephone switch 2730 may include a mobile communication switch center number (MSCN) 2734 and a mobile communication station number (MSN) 2732. The telephone switch may send either the number or the identification code to the switch manager 2750. The switch manager 2750 may include a user account 2752 and an authorization module 2754.

Exemplary converged communication platforms allow for the protection of financial transactions (such as based on ISO8583 or as a protected financial transaction protocol), which affects the actual recharge of a customer's pre-payment account. An exemplary converged communication platform may be used to withdraw money from a third party system (eg, an exemplary converged communication platform that initiates a transaction to take money from a customer bank account system), a third party system (eg, an example Various interfaces are provided that allow depositing money into an exemplary converged communication platform system by a customer's bank accounting system that deposits money in a customer's pre-payment account of the converged communication platform.

Thus, in conducting normal commercial transactions, the converged communication platform can prevent fraud from credit or debit cards made by unauthorized users and merchants. Thus, an exemplary converged communication system method and platform may use a currently known or later security system for proving a pre-paid converged communication platform user.

28 shows an embodiment of multiparty settlement using a converged communication platform as a settlement house. As shown in FIG. 28, the closing house 2800 may be associated with a bank 2840, a merchant 2820, an internet service provider 2830, and a customer 2810. Converged communication platforms can thus act as a single conduit for financial settlement of multiple parties, in addition to serving as a single conduit for multiple services and transactions via heterogeneous networks.

29 is a screenshot of service provider information, merchant, merchant for settlement in a converged communication platform. As shown in FIG. 29, various rules for interaction, settlement arrangements with various merchants, service providers and merchants may be stored. For example, a typical converged communication platform may store and display a merchant, status of closing, closing value, unit for closing, time stamp, currency, contact version, effective date for contract, and additional rules related to contract. . Satiam Online, for example, wants to close an electronic commercial transaction with a value of 5 or more that collects the percentage of total receipts after receipt. In addition, the Agreement shall be effective from November 23, 2000 through November 23, 2000.

30 is an example screen shot of adding merchant / service provider / merchant information to a converged communication platform. As shown in FIG. 30, a merchant, for example, Sify@info.com may be used to store contracts, valid start, expiration, terms, payment modes, timestamps, merchants, conditions, payment modes, values, timestamps, and merchant related storage. It can have the same information.

31 is an example screenshot adding details about a merchant / service provider / merchant for a typical communication platform. As shown in Fig. 31, the full name, address 1, address 2, city, state, zip code, country, account number, base currency, basic unit, bank name, bank branch name, bank city, and merchants Such details may be stored in a converged communication platform.

32 shows an exemplary rule repository for completing a complex rule set in a converged communication system. A typical regulatory repository contains several tables. The table may be named a policy master 3200, a subscriber 3210, a service provider 3220, and a service 3230. Each table may contain various fields that contain data related to completing various sets of rules.

The Regulation Master 3200 table may be, for example, Regulator, Time, Daily, Date, Volume, Percent, Location, Subscriber Characteristics, Service Provider Characteristics, Services, Final Transactions, Foreclosure Agreements. May have a field. The policy identifier field may be associated with a subscriber 3210 table and a service provider 3220 table.

The subscriber 3210 table may have a subscriber identifier, a service identifier, a service provider identifier, balance credit, usage, and regulatory list fields. The service identifier field may be associated with a service 3230 table. The service provider identifier field may be associated with a service provider 3220 table. The rule list field may be associated with a rule master 3210 table.

The service provider 3220 table may have a service provider identifier, a service identifier, a visiting service provider, a payable, receivable, and stipulated list field. The service provider field may be associated with the visited service provider field and the subscriber 3210 table. The service identifier field may be associated with a service 3230 table. The rule list field may be associated with a rule master 3200 table.

The service 3230 table may have a service identifier, a service type, and a charge field. The service identifier field may be associated with the subscriber 3210 and service provider 3220 fields.

The additional table may be part of the overall converged communication system and method. Additionally, for fields where technical names are used in various tables and typical regulatory stores, any name may or may not be associated with the use, field or function of the table. Additional fields may be used in each of the tables, for example a tracking field may be used to maintain the data being modified.

33 is an exemplary apparatus capable of completing settlement processing using other converged communication systems and methods in accordance with a preferred embodiment of the present invention. The overall system includes a converged communication system 3300, a service provider 3340, and a financial institution 3380. After the transaction has been approved and debited, a typical device may provide one way in which settlement can occur when the service provider 3340 maintains an account in the financial institution 3380 and does not directly accept funds for the services provided. Explain. This scenario is the most common, but the transfer of funds from one account in one financial institution to another, and there are additional scenarios that can affect the settlement.

The settlement begins with an account of the debited converged communication system 3300 that matches the service provider 3340 providing the service. The converged communication system 3300 may include a closing service provider 3301. Settlement service provider 3301 may include data acquisition / release 3302 that transfers information between converged communication system 3300, service provider 3340, financial institution 3280, and data format repository 3310. have.

Thus, for example, the service provider 3340 may provide a settlement rule to the settlement processing provider 3301 through the data acquisition / release 3302. Settlement rules can be used to produce data for a data format repository or provide transfer instructions to a financial institution 3380. Financial institution 3380 may transfer funds between the institution and the account. For example, if the converged communication system 3300 has a user account hosted by the credit unit 3384 and the service provider 3340 provides a service that is credited to their account of the bank 3338, the settlement processing provider 3301 may simply provide transfer instructions to financial institution 3380.

The service provider may be one of a telecom company 3332, an internet service company 3344, a merchant 3346, a content provider 3348, or a device organization that will be created now or later to provide goods or services. Financial institution 3380 may be any of banks 3302, credit institutions 3338, credit companies 3386, brokerage 3888, or institutions that have a value or that are now known or created later.

34 illustrates an exemplary method of recharging a pre-paid customer account for a converged communication system and method in accordance with various exemplary embodiments of the present invention. The method shown in FIG. 34 is a linear course of questions. However, various other exemplary embodiments may include simultaneous questions, incidental questions, and questions with undefined answers. The method begins at start 3400 and continues with determining whether the dedicated is from storage account 3410.

If it is determined in determining whether the transfer (dedicated) is from a storage account 3410 that should not be from the storage account, then the method continues with determining whether the transfer should be from the credit card 3430. If it is determined in determining whether the transfer is from a storage account 3410 that should be from a storage account, the method continues with determining if there is sufficient funds in the account 3420. If the account determines that there is sufficient funds, the method continues with transfer of funds 3490. If it is determined that there is not enough funds in the account, the method continues with determining if the transfer is from a credit card 3430.

If the decision is in determining whether the transfer is from a credit card that should not be sent from a credit card, the method continues with determining whether it is from a stock account 3450. If it is determined in determining whether the transfer is from credit card 3430, which should be from a credit card, then the method continues with determining if there is sufficient credit in account 3440. If the decision is to determine if there is sufficient credit in the account, the method continues with fund transfer 3490. If it is determined that the account does not have sufficient credit, the method continues with determining whether a transfer should be made from the stock account 3450.

If a determination is made to determine whether the transfer is from a stock account 3450, which should not be from a stock account, the method continues with determining whether the customer has allowed overdraft 3470. If the decision is made in determining whether the transfer is from a stock account 3450, which should be transferred from the stock account, the method continues by asking the customer what stock 3640 to sell. Once the customer has determined the number of shares to sell, the method continues with fund transfer 3490.

If the determination is to determine whether the overdraft 3470 should not be overdraft, the method continues with determining if the customer has approved a recharge 3480. If the determination is to determine whether overdraft 3470 is allowed, which should be overdraft, then the method continues with transfer of funds (dedicated) 3490.

If the customer decides to determine whether to approve the recharge, the method continues with determining 3485 whether transmission is possible. If the customer does not approve the refill or determines that the transfer is not possible, then the method continues with rejecting the transaction (3495). If the decision is to determine if the transfer is transferable 3485 of the transferable, then the method continues with transfer of funds 3490.

Each pre-payment customer can form their own standard for recharging at least in the following ways: (1) recharging only from a phone (mobile or fixed phone), (2) net (internet, mobile internet, or Recharging from other types of public or private networks, (3) recharging (IVR, net, in person or in any other way) if the customer specifically requests recharging, (4) automatically subtracting any value from a particular account Automatically recharge when the balance goes down (by bank debit or credit or other type of method), (5) use another account as a guarantee of payment for the pre-payment account without recharging the account, pre-calculated limitations from the main account Recharge multiple subaccounts with (34) recharge on a periodic basis (for example, by day, month, week), (7) based on user-defined usage standards Recharge by the amount determined (for example, using the last 7 days of use and recharging to an average amount; or recharge amount must be equal to the value of the most expensive transaction made in the past x days), (8) Recharging rules by service providers, (9) recharging rules by customers themselves (which may be one of many different service providers or may be a combination of two or more with customers, and mimic the rules for those customers), 10) recharging rules based on the primary account holder rather than the subaccount holder (such as parent / child, or in a hierarchical sense), and (11) recharging rules directed by the owner of the device providing recharging (e.g., Telephone, agent, ATM, POS, etc.).

Such recharging methods may vary according to different types of devices, different networks, different recharging modes (IVR, agents, etc.) and according to regulations within the country or jurisdiction. In addition, these modes, devices, networks, etc. may be combined together to create different rules or different combinations or permutations. For example, a person with a business account can use the IVR from their cell phone to add money from their business operating account to his phone for m-commercial reasons. Rules that dictate how this is done and how much money is added to the phone's account can be regulated by legal restrictions on the country's business. The rules may differ when the same individual attempts to recharge anywhere else using the same rules, mode devices, and the like.

35 illustrates an example method for describing an authenticated prepaid customer's centralized communication system and a method in accordance with some example embodiments of the present invention. The method shown in FIG. 35 is a linear development of the question. However, other forms of development are within the scope of the invention, including indefinite questions, questions, and simultaneous questions with undefined answers. The method starts at the start 3500 and continues to determine 3510 if the transaction is less than $ 1.

In the decision, if the deal is less than $ 1, the decision makes whether or not the deal is for a minimum value, that is, less than $ 1. If the transaction is more than $ 1, the method continues to determine even if the transaction is less than $ 10,3520. If the transaction is less than $ 1, the method continues to authenticate the transaction 3580. If the decision is made with a decision that the transaction is greater than $ 10 even if the transaction is less than $ 10,500, the method continues to determine even if the transaction is less than $ 100,3540. If the decision is made with a decision that the transaction is less than $ 10 even if the transaction is less than $ 10,520, the method continues to determine even if the transaction is from Kless 3530. If the decision is made that the transaction is from class, the method continues to authorize the transaction 3580. If the decision is made that the transaction is not from Kles, then the way to continue is to trade less than $ 100 3540.

In the decision, if the deal is less than $ 100 3540, the decision makes whether or not the deal is a determined value, that is, less than $ 100. If the transaction is more than $ 100, the method continues to determine even if the transaction is local (in the area of home) 3560. If the transaction is less than $ 100, the method continues to determine even if the transaction is for clothing. If the decision is made for closing even though the transaction is for closing 3550, then the method continues with certified transaction 3580. If the decision is made that the transaction is not for closing, the method continues to go back to determine even if the transaction is local 3560. If the decision is made with a decision that the transaction is non-regional, even if the transaction is local 3560, then the method continues to determine whether there is any PIN certification at the last time 3570. If the decision makes the transaction to be local, the method continues to authenticate the transaction 3580. After all, if the decision is made that there is no PIN authentication at the last time, the method continues to check for pin 3585. If the decision is made that there is PIN authentication at the last time, the method continues to authenticate the transaction 3580.

    Thus, for example, the company manager goes to the OFFICE DEPOT, which is close to working for the procurement supplies. The manager selects the supplies and approaches the checkout. The manager invents an exemplary invention of the service system of an OFFICE DEPOT store to transfer money from the operator's selective account at the BRAD company to the OFFICE DEPOT account to secure the selected supplies. Business part of an exemplary invention part of the service system, whether the store provides an exemplary invention part of the service system, or does the salesperson have information available to use the system? And anything is required beyond the count / PIN number). The salesperson puts in an amount and allows the manager to insert the operator calculation code into the point of the service machine (regulation: whether the calculation code of the service system matches the required characteristic band, number and letter of the system). The exemplary invention portion of the service system verifies that the company operator's account is a valid account by accessing the National Bank Account and the example gateway via the exemplary invention portion of the service system (regulations). What banks and accountants are part of an exemplary invention of a service system, or via which system?

The registrar indicates that the company operator's account is a valid account in the company and requires the administrator to insert a PIN (regulation: is this person a valid user, or does this person have the authority to be consumed via this system? , The PIN number matches that on the file and what restrictions are allowed). An exemplary invention portion of the service system may be that a salesperson of a company announces the validity of a carrier account and then, if the account is valid, confirms that the company operator account complies with the rules for viewing and the account may be charged. Wealth, what are the limitations). The salesperson may be charged and certified that the company's business account is valid (regulation: The salesperson may include a receipt or not, a periodic calculation, whether the form of payment is cash / other, or not, Receives several choices for the administrator). The salesperson is also notified that the manager's PIN is valid and what purchasing rights the manager has. The salesperson provides a value that is transferred / paid from the company operator account to the office depot, to the manager. The manager agrees to the payment. An exemplary part of the service system (via an example gateway) informs the company operator account and the OFFICE DEPOT account of the pending transaction (regulation: when money is actually moved and what is distributed between the parts). When the distribution occurs, and what information is provided to the parts). The transaction proceeds via the exemplary invention portion of the service system and the exemplary gateway (regulation: timely associated with progress). A receipt is provided to the administrator with confirmation (rule: what information is on the receipt and what other options are available). Confirmation is provided to an OFFICE DEPOT salesperson (regulation: what internal operations are required for the salesperson, is the confirmation printed out, and the values are added in cash, credit, credit, other categories, etc.).

Thus, in an exemplary converged communication system and method, transaction authorization / authentication (whether a communication service or a commercial transaction, or a combination of both) is used to authorize a user, as well as the availability of credit restrictions or prepaid money associated with an account. You can have several choices or confirmations. Various exemplary embodiments (whether in a physical store or on a net / mobile-net) using communication access, the Internet, or mobile / internet access, commercial transactions, may grant permission: PIN Based customer license, password based authorization, confidentiality based telephony based authorization, all or some combination of the above, requested services for a specific customer on a prepaid account / Authorization of whether or not the transaction has been authenticated (Service Profile Authorization), Authorization of sufficient balance of usability in the customer of the account prepaid for the service / transaction (balance may be a balance of the prepaid account, or a credit account balance or prepaid account) Any other form of real or fictitious account associated with a customer of), another account, based on a matrix across different service providers. For example, because of other accounts, the bank will immediately require a 4 digit pin (PIN) for authentication, and the telephone company will immediately require an address for a transaction less than $ 20, but the jeep for any transaction ( zip code and social security number is $ 50 or more, and credit card issuers will require the address, jeep code, social security number, and the mother's pre-marriage name and last payment made on the account.

Moreover, regulations based on specific accreditation processes may change. Immediately, if a person cannot answer basic questions such as "what is your current address," the rules for accreditation can change immediately, adding to two more questions: Is the service provider determined important in the accreditation request? There will be. If the person of the requested authorization can answer two questions, then the authorization is approved. If not, another question may be asked or the person may be placed in a queue for a live authorization request based on the regulations established by the service provider (bank, telephone company, merchant or any other form of service provision). For example, the service provider may answer additional information from the user (for example, the mother's maiden name, birthday or price at the time of the previous transaction, or the price of the transfer bill, reimbursement, or personal questions predefined by the customer). , A special password for a high transaction price (e.g., more than $ 20) or a high number of transactions (more than 15 transactions per day, or more than 50 transactions per month, etc.) Will be requested. Thus, additional authorizations based on regulations established by the customer or service provider will be used instead of immediately rejecting the transaction. As can be seen from the foregoing, a regulation is part of an interactive process based on the establishment of a regulation established by a customer or service provider or one of them and through a two-way communication between the customer and the service provider in accordance with a transaction. You can allow for fraud prevention.

For example, the customer / user can set up the following: additional passwords for some form of transaction (eg purchase of air tickets), setting up a previous transaction (eg, if the current transaction price is Additional information requested by the system (e.g., birthday, friend's name, special password) in case of a higher transaction price than 50% more than the sum of all the past 5 day transactions. Systems based on regulations established by customers / users can organize some form of transaction (for example, all e-commerce and mobile commerce exclude pornography or the transfer of money between countries where currency restrictions exist). Are allowed).

Thus, while a $ 20 transaction to purchase a train ticket has a prepaid balance not less than zero (or in other words, a $ 20 overdraft allowed) that the claimant is 60 years of age or older and the claim is made outside of banking hours. Will be authorized. Thus, some exemplary embodiments may use standards defined by economic indicators, transaction type indicators, claimant indicators and time of day. Thus, the example system may use a regulatory matrix to which three-dimensional rules, rules determined by artificial intelligence, a trade-to-transaction basis or an accounting basis will apply. The regulatory matrix will look different even in the same trade when different collaborations of service providers are involved.

Moreover, as with embodiments herein, regulations may be adaptable or based on an economic basis. For example, the provisions may be accounting balances; Replenishment ability, currency used; It can be based on this rule and on profit margins (these rules can be called a change in calculation rules). Other regulations may be based on customer profiles-for example age, place of residence, nationality, gender, address, financial history, criminal history, membership, transaction history, transaction profile-for example service type, content type, Amount charged, purchase of products in any category. Regulations may change based on history, logic, and the number of people fraudulent and collateral causes in merchant and customer links, including service providers – for example, location, form, business network, etc. .

Moreover, the provisions such as the embodiment herein may be based on "fuzzy or advanced logic, such as artificial intelligence. For example, analysis of the customer's voice determines voice vibration, the customer's stress level. It can be categorized into repercussions and accents, which will influence the decision to authorize a transaction. You can learn the ability to accept crystal structures (even if they don't have an impact), for example, the system can analyze debt transactions in individual consumption behaviors over a specified number of months. When a claim for a new transaction is initiated, if it broadly matches the purchase pattern, then the system may allow the transaction. If not, the system can mark it as a potential fraud and lead to additional verification, if the verification is done properly, then the system then processes the transaction as a knowledge base to approve the transaction and reach new consumption behaviors for the individual. Include.

As with the embodiments herein, the system also has the ability to allow decision structures based on a variety of past events in the setting of customers (e.g. all teachers, all teens, all women 55 years or older living in Dallas). I can learn. When a claim for a transaction is initiated, the system can analyze the purchase pattern and if it broadly matches the group behavior pattern, then the system authorizes the transaction. For example, what is the chance of a 62-year-old woman in a tiny village in Texas in her request to approve the downloading of pornography from a site in Brazil while her material position is in Indonesia? The system will provide additional authorization because the transaction will be a potential fraud situation.

As with the embodiments herein, the system can also learn the ability to allow decision structures based on various historical events of a particular individual customer (even if a single event does not have a specific impact on the decision structure). For example, the system may analyze a transaction that exceeds a specific number of months and reaches consumption behavior for an individual. When a claim for a new transaction begins, if it broadly matches the purchase pattern, then the system analyzes the transaction. If not, the system can confirm as a potential fraud and lead to additional verification. If confirmation is properly completed, then the system includes the transaction as a knowledge base to authorize the transaction and reach new consumption behaviors for the individual.

A special form of various exemplary embodiments is the generation of debt in real time. Thus, the service provider is protected from overcharging the customer when both charges close at the same time. In addition, real-time debt allows for dynamic calculations for every charge, rather than just an hourly access fee. For example, roaming phone calls can rely on roaming networks based on the length of the call, rather than just an hour roaming charge. This makes it possible to prevent fraud in some distinguishable ways.

All types of service providers have a common problem in managing and controlling fraudulent measures. Whether a service provider provides purely telecommunications services, or commercial or financial services, or any other form of service, fraud is one of the biggest threats to their business. In general, fraud means are defined as "losses of income" caused by some cause. Traditionally, sellers and service providers are aware of this problem and are exposed in some number of solutions that try to minimize the negation. So far, the solutions provided analyze potential negative means for understanding certain basic problems. These basic questions are: motivation-what is the potential object of fraudulent means (eg, making money, critical tendencies, hacking, etc.), what means-what is the nature of fraudulent means (eg currency sales / high rate services, etc.)? Mode-what is a comprehensive cheating method (eg join cheating, surfing, virtual etc.) and method-what is a specific cheating method (eg joining, roaming etc.).

The methods applied in various cases as described above may be generally classified. The first form is a subscription fraud – the subscriber tries to make a connection for high usage, but has no intention of paying. The second form is currency selling fraud – subscription is intended to be used to sell currency to others as a subsidy, but the subscriber has no intention of paying. The third form is a high rate service (PRS) fraud--by some means, the PRS content provider itself abuses the network by calling on its own PRS number to collect fees; Defer payment to. The fourth form is roaming fraud – many roaming subscribers try to use the network / service but do not intend to pay. The last form of cheating is an internal cheating-employees of service providers use their knowledge to tamper with the system to help others who cheat.

Service providers around the world are always working to learn and understand the problems surrounding different forms of fraud and, in short, how to take sufficient measures to detect, analyze, respond and prevent fraud. One particular advantage and example system is that the efficiency of the example embodiment operation is continuously measured and discovery can be fed back to the system as an improvement.                 

Many fraud management systems are available in the market today with varying levels of complexity. Service providers manage fraudulent means by means such as setting up systems and business processes in general war. For example, obtaining a credit rating from a service provider's credit rating, materially identifying the customer and her place of residence, gaining confidence from other service providers who take over past liabilities that the person / the whole must pay, a very complex collection process. Establishing increased IT collateral and stronger cultural adaptation operations.

In the world of telecommunications, service providers today give priority to prepaid customers over postage prepaid customers due to the risks associated with various forms of fraud. However, the conversion of postage prepaid customers to prepaid customers will not eliminate the wrongdoing means but will only shift the wrongdoing obligation from one part to another. Potential fraudsters aren't careful about who is obliged. Thus, it does not have a significant impact on the problem of fraudulent means.

In the world of financial services, service providers today give priority to debt and smart cards based on prepaid cards, rather than credit cards, for some same reason. Exemplary embodiments of the invention improve both of these systems by integrating the method into the authentication process through the use of a centralized communication system and a mobile phone, accessing an email system, and other connections as described herein. .

For example, a customer may use his or her telephone, Internet equipment, any portion of sales services, a credit card, a debt card, or a bank automated device (ATM) to provide two or more services (two or more communications services, One or more telecommunications services, or a combination of telecommunications and commercial services). This claim will go through the normal fraudulent authentication procedure of each service provider, and if the result is positive it will be further authenticated by the method for the combination of the exemplary converged communication system and the service. During the authentication process, if the charge is suspected to be a fraudulent means, then the service provider can start a conversation with the customer (either voice or date conversion) and lead to additional authentication. Such authentication may be based on customer-formed variables. For example, whenever and wherever a customer tries to buy anything beyond $ 25, additional certification is done. The formalized variables of additional service providers can also be used. For example: some charges over $ 25 will be made through additional authentication and some charges for the purchase of goods / services when a customer roams will be made based on both home service providers and visiting network service providers. We will do it through authentication. Other analysis tables / categories / uses based on formation variables can be used. For example: the capacity of sudden and unexpected authentication requests, authentication requests and service types from sudden and unexpected distant locations are generally not used by the customer's category.

Thus, with the increasing use of complex technologies and more complex business processes, service providers around the world can reduce potential fraud. The most challenging service providers are faced with the fact that today, regardless of the many regulations and business processes, they still make settings that incur fraud.                 

The industry fully recognizes that the best way to eliminate / minimize fraud is to control fraud attempts where it occurs. Any claim with a business conflict may be a potential fraud. As a result, currently available negation management solutions focus on approving or rejecting claims based on the establishment of regulations. The solution is based on the assumption that any claim that leverages the rules is a good claim and a claim rather than a fraud. However, in real life, a customer who leverages all standards is still a cheater, while a customer who appears to prefer a cheater can be a good customer who does not really intend to cheat.

With the concentration of telecommunications and commerce, many have to go together leveraging the unique needs of their customers. Each of these service providers has an associated risk of dealing with fraud in their service provision. Some intensive services collect the risks of all participating service providers. In effect, the resulting negation management capability of the combined service is the minimum common denominator of each service provider's negation management capability (especially the weakest connection scenario). As a result, the likelihood of fraud increases dramatically with the number of service provider-parts involved in providing a service.

Currently available fraud management systems do not address issues related to complexities. They are the only service fraud management solutions with varying levels of complexity. They do not provide a combined risk-based solution in partnership with a centralized service identified by various service providers. Various exemplary sealing examples as described herein above can be used to reduce and eliminate fraud.

For example, FIG. 36 illustrates an exemplary method of prepaid customer account in debt describing a centralized communication system and illustrating a method in accordance with some exemplary embodiments of the invention. The method shown in FIG. 36 is a linear development of the problem. However, various other exemplary embodiments of the invention will include problems with concurrent, indeterminate, and undefined answers. The method starts at 3600 and continues until it is determined if this transaction is charged (exempt).

Even if this transaction is charged 3610 If the decision is made from a decision that the transaction will be tax-exempt, the method continues to determine even if the debt is transferred to the credit account. 3630. Even if this transaction is charged, the decision is imposed. If the decision is made in 3610, the method continues to debit the government account. When the debit to government account is completed 3620, the method continues with the set schedule 3690.

Even if a foreign transaction is being transferred to a credit account 3630 If the decision is made from a decision that the transfer will not be made to a credit account, the method continues to determine even if the transaction contains a ship owner. 3650 Even if the credit transaction is transferred to a credit account, if the decision is made in 3630, the transfer continues to determine if the transfer will be made to the credit account, even if there is an immediate credit transaction. If the transaction is to be made immediately, the method continues on the set schedule 3690. If the decision makes that the trauma transaction is not to be made immediately, the method continues to determine even if the transaction involves the owner.

Even if the transaction contains shipments 3650 If the decision is made in a decision that the transaction does not involve the ship owner, the 3670 method continues to determine, even if the trauma is distributed over time. Even if the deal involves the owner 3630 If the decision is made from a decision that the movement will involve the owner, the method continues to determine even if the shipment is paid immediately 3660. If it is to be paid, the method continues on the set schedule 3690. If the decision makes the ship owner not to be paid immediately, it continues to determine even if the credit transaction is distributed over time 3670.

Even if the trauma is distributed over time 3670 If the decision is made from a decision that the transaction will not be distributed over time, the method continues to determine even if the trauma is made electronically 3680. 3670, if the decision is made on a decision that the trauma will be distributed over time, the method continues on the set schedule 3690. If the decision is to be distributed over time, If it is made, the method continues to determine 3680 even if the setting is electronically 3680. Even if the setting is electronically 3680 If the decision is made from a decision that the transaction will not be electronic, the method prints the setting information. 3695. Even if the setting is made electronically, 3680 if the decision is to be If the decision will be made in, the method continues to move to the 3697 schedule.                 

For example, a customer goes to an automated machine (ATM), selects her department store and enters the account number of her retail department store Renner. An exemplary embodiment of the system checks whether the store is a member of the system, whether the store provides payment through the system, and whether the account number matches (feature / number / shape) the account number of the department store. The example system then uses a gateway to access the Renner department store database to verify the account number. The example system also then verifies that the account numbers match. The customer will also use the PIN to verify her identity and account. The example system may then use a gateway to connect to the Renner department store database to verify account numbers with Renner. The system may perform additional verification operations to verify the PIN number against the features of the system affiliated with the customer and the correct account number. The system can then access the database and bring the account balance back to the customer. The system can then verify: If the PIN number matches the PIN number in the department store record, there is an account balance to get back and the account can use the example system for more than charging or payment. have.

At that time, the customer is able to conclude some of her own Renner as a probation through her credit card as a form of payment. The example system confirms: what the customer wants to do and what the customer can do. The example system can verify the credit card balance within the banking system as much as possible without using a gateway. The system can then identify: what is the balance on the credit card, what is the overall credit limit, what is the difference between the credit limit and the balance, and if the balance is positive, the system can represent the customer as a choice. The example system then further checks if there is credit available on the customer's credit card. The example system then checks: what the customer is trying to do, what is the value to be adjusted, what is the value to be moved and when the move is about to occur. The banking system can then be used to indicate that a transfer will take place and physically move the money and confirm that it was received. The example system then confirms: what is the confirmation and conviction charged by Renner and the credit card company and what receipt option the customer wants. The customer can then receive a transaction / payment receipt through an automated device (ATM) showing the payment. An example system can be identified: what information is charged from the receipt, what more information the customer wants to see and what choices are available for the customer. The receipt can include the assurance of the transaction. The deal is then completed. The example system then confirms: what else the customer wants to do and what the choice is.

Thus, these rules are when money is specifically withdrawn from an account (as opposed to being credited after it is debited). Thus, the regulations may be based on service providers, regulations on customer needs (probably rarely used), regulations on mix of service providers, regulations on customer's "owner", regulations on service "state" providers, (Especially if a merchant sells a CD for $ 20 to a customer and spends $ 22 overnight, the owner of that night can find out when and how the transaction will take place) It should be based on rules that change over time, processes and procedures, regulations under other legislative laws, customer history, spending limits, monthly average account balance, and rules with predetermined agreements between service providers. will be.

Moreover, the provisions may be made immediately or promised to later be traumatic / post-moving and the provisions may be a combination of the longer periods of time over time. For example, 50% of accounts can be withdrawn immediately and the balance can be broadened to two equal credit transactions each week. Thus, the credit transaction may not be paid immediately, or may be an immediate credit transaction, which may be a variety of credit transactions depending on the purchase price, which includes monthly credit transactions (“everything you can plan”). , And others, may be known as the structure of payment.

Moreover, not all trade in value will necessarily involve a transfer of money. While value is exchanged, various transactions will take place: free of charge, profits of previously purchased items (such as frequent flight miles), monthly application services or parts of value exchanges, goods or services that do not include currency (commercial cards and same). For example, free items may be provided to agree to purchase additional items within a specific period of time. Other exchanges will include MP3 files donated to access other MP3 files. Or the customer will try to access a map program with some bank while they are a bank. The example system allows this form of exchange within the example structure shown in FIG.

   37 illustrates an example transaction setup method for a converged communication system and a method according to some example embodiments of the invention. The method shown in FIG. 37 is a linear exploded view of the question. However, other various exemplary embodiments would have to include questions that arise at the same time, focused questions, and questions with undetermined answers. The method starts at departure 3700 and continues to determine if there is any actual time setting at 3700.

If the decision is made at any real time setting that is a real time setting, 3710, the method continues to move to the fund. 3715. In a fund transfer, 3715, an order is given to move the fund immediately between accounts. The method then continues to revert the decision to any date-start setting 3720. Alternatively, if the decision is made at any real time setting rather than the real time setting 3710, the method continues to any date-start setting 3720.

Even if any date-start setting is made in a decision that is the start date setting 3720, the method continues to set the start date 3725. At the start date setting 3725, the start will activate the transfer to the fund on the determined date. Is the setting. The method then continues to revert the decision to any initiated event set 3730. Alternatively, if any started date set is made from a decision other than the set date of the start 3720, the method determines to determine any initiated event set. Continue 3730.                 

Even if any initiated event set up is made in a decision that is a set up event set 3730, the method continues to set up the set up event 3735. In a set up set event 3735, the start attempts to activate a shift to the fund in the determined case. Setting. The method then continues to revert the decision to any batch settings. Alternatively, even if any start date setting is 3730, if the decision is made from a decision other than the start date setting, the method continues to determine any batch setting 3740.

Even if any batch setting is made from a decision that is a batch setting, the method continues to add transactions in batches. 3745. In a batch-added deal, 3745, the transaction results the next time the batch is called. Is added to the list. The method then continues to return to the end 3750. Alternatively, even if any batch setting 3740 continues the method for the end if the decision is made from a decision that is not a batch setting 3750.

For example, if a transaction is more purely a communication transaction than a single communication service provider that includes (e.g. roaming), as soon as the transaction (e.g. phone call) is over, the example system module shows the transaction. , Identify the contact person (eg, service provider) involved, and set up (e.g., actual time, or delayed time setting, business partner setup rate plan, order volume discount, Apply rules). Based on regulations, centralized communication systems and methods can also determine where configuration is done in the exemplary system itself or where they are using external service providers. Centralized communication systems and methods will then apply the regulations and produce pure information and reports. For external service providers, this information is delivered in a previously agreed format (eg, TAP records, pre-accepted ASCII text files, MXP records, CIBER records, or IPDR records, etc.).

In another example, the transaction may be a commercial transaction. The exemplary converged communication system and method will follow the same process as described above, but the applied rules may be a bit more complicated as the rules that all external service providers, or parts thereof, need to pay attention to (eg, Merchants will have to use staff to deliver goods, and regulations relating to physical delivery will not be real time and sometimes even some processes will not be automatic). Setting rules will also be more complex (eg, setting values may depend on volume, weight, etc.).

If the transaction is a intensive transaction (commercial and communication), an exemplary centralized communication system and method would be a combination of both of the forms mentioned above. Exemplary converged communication systems and methods may also add more complex provisions in terms of commercial regulations, and some of the provisions for communication settings must affect. For example, if a customer purchases a product for $ 50 from a visiting network, the visiting network should not charge any roaming airtime charges on the home network. The home network will or may not pass this benefit to the last customer.

The method follows from the following practical example. Customer Jim is roaming his Washington CDMA prepaid mobile phone while on vacation. His home network is North Carolina Mobile, which pays a $ 50 monthly service fee for you where you can use tens of minutes a week wherever you are on the home network. Roaming is charged at an additional rate of $ 1 per currency by his home network.

In Washington, DC, Jim is listening to Santana's biggest hit with the Orange Music Streamer music service he receives over the GSM network. He receives a simple messaging system (SMS) advertisement that controls Sony's newest compact digital CD player. He reads an advertisement while listening to Carlos Santana. The following short list of CD player types is a provider to buy a CD player at a 33% discount if purchased within the next 15 minutes. He instantly decides to click on the provider and enters the Orange MusicStreamer mobile service shopping website.

The Orange Music Streamer website was developed by the Aether system. And through connecting with Orange, Arthur manages the site. Because of this management, development and design relationship, Arthur is rewarded in many ways. These include: (1) a fixed price directly for the development of the website; (2) monthly management costs for maintaining the site, expanding its services, and so on; 2 cent flat fee received through; (4) the percentage of the price of production or service per item purchased as a result of the advertisement on the site; (5) each time a customer service call is provided by the maintenance of an orange music streamer. Flat fee of dollars.

Jim continues to listen to Carlos Santana during the click through two more screens on the Sony CD player on the mobile website. He clicks on price and usefulness. The site offers him to two orange music streamer partners who can purchase the product. He selects Amazoom through Electronic-R-Us and immediately brings the Amazoom mobile soaping site.

On Amazoom, Jim chooses an easy payment plan that offers a $ 100 CD player (the list price was $ 150), and he chooses to pay in two ways (now $ 50 and when the CD player is delivered) $ 50). He clicks on a prepaid button and selects it using a prepaid account of his centralized communication system.

Amazoom bundles Jim's new CD player with an array of InsurUs and FedExtra boxes to provide warranty on the package. FedExtra shipments cost Amazoom $ 5 and InsurUs guarantees a CD player at a full cost of $ 0.50.

Jim continues to listen to Carlos Santana on his prepaid phone while he anxiously waits when he returns to the train from North Carolina. When he arrives home, FedExtra delivers his CD player and his signature on the bill of lading begins with a price list of transactions from many service providers.

The following setup transaction takes place using an embodiment of the system and method of the invention:

 fellow trader  Trading form  Payer  time  price Telco (Home Network Service Provider): North Carolina Mobile Phone Everyone can use the service every month. From baggage through a bank account Gradually every month $ 50 per month Telco (Home Network Service Provider): North Carolina Mobile Phone roaming From luggage real time $ 1 per phone Telco (Visitor Network Service Provider): Orange Music Streamer Telephone Dozens of minutes to roam on your network From home network real time $ 0.2 per minute Telco (Visitor Network Service Provider): Orange Music Streamer Telephone Music service charge From home network real time $ 0.03 per minute Trader: Aunt Fixed value From luggage $ 50 now, $ 50 after delivery $ 100 Shipper / Staff
Company: FedExtra Fixed value From luggage $ 5 on shipping Five dollars Warranty company: InsurUs ratio From luggage Shipment phase $ 0.50 (0.25% of purchase price) Telco Partner 1 (Developer and Manager on Mobile Web) A flat fee from a click on your ad From the orange voice real time $ 0.02 per click through the ad award

Site): Arthur system  Stream Telco Partner 1 (developers and administrators on the mobile website): Arthur Systems Proportion of production selling price From orange Batch process, monthly payment 0.25% of purchase price Telco Partner 2 (Music Service-Virgin) ratio From orange Consistent process, monthly payment $ 0.005 per minute Telco business partner 2 service provider (musician coordination center) ratio From orange through music service Monthly payment $ 0.001 per minute Advertiser on the telco business partner website: Sony Flat fee based via click From telco partner Sony Monthly payment, batch process $ 0.05 per click

The set up portion of an exemplary converged communication system and method controls how payments are made and which prices are credited by payment. This transaction setting rule will include setting between prices from different prices and the like to many prices. The example system thus: allows for setting up various parts of intensive service and telecommunications transactions, formalizing setting rules for each service and commercial transaction, and the merchants (providers of goods / services, eg manufacturers, The seller or distributor or one of several combinations of all of these), the front door (mobile front door or any other form of front door including electronic and commercial front doors, etc.), Internet service provider (independent service provider or mobile operator, or Front door), mobile carrier (home network, visited network, or both), virtual service provider (content service provider or subsidiary service provider or known service provider or any combination), bank / credit card service provider, or any other financial service. A laboratory (one or more in a commercial transaction), The first payment service provider (e.g., merchant federation, service provider or electronic wallet, or any such payments to any service provider), goods / service delivery service provider (e.g. Allows for setting up between employee, company, expanded supplier) and warranty service provider.

As in the embodiments herein, a centralized communication system and method may provide for formalization of setup rules for a variety of situations, such as: setup in real time, setup with time delay (eg, 2 days or 30 days). After work, etc.), a setting based on the certainty of certain conditions (for example, employees are paid only when the goods are delivered, while warranty service providers are paid before shipping the goods), and between businesses Relationship-based setup (for example, an employee service provider might have a volume --- discount based on the means by which the setup process takes place at several delivery prices rather than just one delivery), and performance-based setup. For example, the front door may be offered a small price each time an ad is delivered to a roaming applicant and the front door may pay a larger price if the roaming applicant actually purchases a product / service. ). As in the embodiment herein, the centralized communication system and method may provide a setting indicating a price for connecting roaming between peer networks (eg roaming surcharges). Further, centralized communication systems and methods may provide a setting that indicates the price of certain prescribed requirements (eg, tax adequacy and setting at a government service provider). Thus, the transaction does not occur immediately in one transaction payment, or instant credit, and the transaction can be distributed to various foreign transactions that are being added at the purchase price. The deal can also be a monthly deal that is extended over a year (including "everyone uses the plan") and so on.

As in the embodiment herein, a centralized communication system and method can be provided in settings that can be divided into the following categories: credit dates, credit limits, financial volume thresholds, discounts on orders, prescribed standards, set rates , Needs (recalls of basic relationships, closures), online, online real-time based service types and batches based on various time standards.

There are several exemplary ways to connect to the system. For example, one of the specific embodiments of the invention is an ATM, bank, dealership, point of sale, voice response system, mobile phone, landline, Internet, WAP (mobile phone), simple messaging system (wired and mobile phones). Specifically, including accessing the system via a Petro machine (especially a machine storing cash to pay bills) and a post office.

There are several exemplary forms of people trying to use the system. For example, the system may be used by customers, family members, children, business users, business managers, business subsidiaries, payment company users and bank users.

There are several exemplary forms of accounts in which the system can move between funds. For example, the system may include bank accounts (different forms, identifications, retention, growth, education, holidays, etc.), cash accounts, credit card accounts, credit card accounts, fictitious accounts, investment accounts, brokerage fee accounts and business accounts. Will be related. Exemplary systems are commonly known in the art and may use various formats for communication for transactions, as described above.

There are some example recipients of the fund. For example, the form of payment will generally be divided into three different categories of business partners and business partners, business operators and customers, business operators and business operators. More specifically, the form of payment is use tax, utility tax, tax, other local taxes (license tax, etc.), retail (brick and mortar), retail (electronic commercial / internet), mobile commerce, mobile phones, ISPs, banks, insurance Companies, charities, brokerages, and family members will include gifts and landline bills.

There are several example methods for the example system that determine how in communication or in communication, along with other accounts for the movement of the fund. For example, a payment account may be verified through: a national wireless telephone database (mobile phone); a national landline telephone database (telephone); a national bank account database; a company (especially a retail store Renner has a Renner credit card) Or a separate database of all customers in the form of payment and a local database of taxes), each account of each payment, license tax etc.

Many forms and advantages of the inventions are set forth in the detailed description and are therefore intended by the appended claims representing all such forms and advantages of the invention as fall within the true spirit and scope of the invention. Moreover, since numerous modifications and variations are already made by those skilled in the art, no limitations on the invention in the precise construction and operation described are required, and therefore all applicable modifications and equivalents are included within the scope of the invention. Will belong.

Claims (115)

delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete In the converged communication method of applying a rule set for the transaction in a converged communication system for performing a transaction between a user and a plurality of transaction providers, The fusion communication method, An authorization rule for authorizing a transaction between at least one same communication network or a heterogeneous communication network, one debit rule for debiting the authorized user's account when the transaction is completed, and received through the at least one communication network Determining, by the converged communication system, rules including a clearing rule for clearing the transaction in response to a directed indication; Applying, by the converged communication system, the authorization rule determined in the determination step; Charging the user account according to the debit rule determined in the determining step in real time when the transaction is authorized, A recharging step of recharging the user account if there is not enough balance in the user's account; The recharging step includes determining a recharge account of the user to withdraw the transfer amount, and applying the transfer by pre-authorized transfer or by authorization from the authorized user, and then reusing the transfer account in the determined recharge account of the user. Transferring to the user's account, and clearing the repayment to the recharge account in accordance with the determined clearing rule. delete 63. The method of claim 62, wherein the recharging is performed using a plurality of recharging user accounts. 63. The method of claim 62, wherein the authorization request from the authorized user is one of at least one user PIN request, a manual entry request, a user pass phrase request, and user identification via biometric means. Communication method. 63. The method of claim 62, wherein the charging step is performed using a plurality of debit rules to charge an account and the liquidation step is performed by a plurality of clearing rules. 63. The method of claim 62, wherein applying the authorization rule is performed using a plurality of authorization rules to authorize a transaction, wherein the charging step is performed using a plurality of debit rules to charge an account, and the liquidation step is A method of converged communication performed using multiple clearing rules. 63. The method of claim 62, wherein the clearing occurs immediately, three days later, at one or more of the repeated partial payments, at regular intervals, at the end of each month. 63. The method of claim 62, wherein applying the authorization rule comprises authorizing a transaction using one or more PINs, manual entry, user pass phrases, user identification via biometric means. . The method of claim 62, Determining one or more authorization rules and real-time application as a result of the transaction authorization request in accordance with an algorithm using the transaction authorization request time as a function. 63. The method of claim 62, wherein determining one or more authorization rules in real time according to an algorithm using input from data sources related to historical events that are recognized as relevant to the transaction authorization request as a result of the transaction authorization request. Fusion communication method further comprising. 72. The method of claim 71, wherein the history event is a previous purchase of an authorized user or an actual result of history rist assessments. 63. The method of claim 62, further comprising applying the at least one authorization rule in real time, as a result of a transaction authorization request, in accordance with an algorithm that uses history data associated with a history event, wherein the history event is the transaction authorization request. In connection with, said applicable history data varies with each billing period. 74. The method of claim 73, wherein the history event is a previous purchase of an authorized user or an actual result of history historical assessments. 63. The method of claim 62, wherein the connection of the plurality of transaction providers is across a heterogeneous network. 63. The method of claim 62, wherein the charging step comprises at least one of checking whether a membership exists, reducing or increasing the number of airline miles, increasing or decreasing sales credit, or recording a contract. A user input device for accessing an account in a converged communication system, The user input device, A transmitter for transmitting account information of a user authorized to the converged communication system and a transaction request by an account manager through one or more communication networks; A receiver for receiving a charge or clearing notice to an authorized user's account via one or more financial networks in addition to the communication network; A determiner that determines that the authorized user does not have sufficient balance in the authorized user account for charging the transaction; and A recharger that recharges the authorized user account after completing a recharge process comprising determining a recharge user account for transferring funds, and authorizing transfer by pre-authorization transfer or authorization request from an authorized user. Including, The account manager, A determiner that determines rules including at least one authorization rule applicable at the time of authorizing the transaction, at least one debit rule for charging the user's account and at least one clearing rule for the resulting clearing of the transaction, A processor that applies one or more authorization rules to authorize the transaction, An account charger that charges the user's account in real time according to at least one debit rule when the transaction is authorized, and And a clearing device for clearing a charge in real time to a plurality of trading providers according to one or more clearing rules. delete 78. The user input device of claim 77 wherein the recharging is performed using at least one of a plurality of recharging user accounts. 78. The user input device of claim 77 wherein the authorization request from the authorized user is one or more of a PIN request, a manual entry, a user pass phrase, and user identification via biometric means. 78. The method of claim 77 wherein The account charger uses a plurality of debit rules for charging an account, and the liquidator is performed using a plurality of clearing rules. 78. The method of claim 77 wherein The processor uses a plurality of authorization rules for authorizing a transaction, the account charger uses a plurality of debit rules for debiting an account, and the liquidator is performed using a plurality of clearing rules. 78. The user input device of claim 77 wherein the liquidation occurs immediately, three days later, at the end of each month, at regular intervals, or as one of a series of partial payments. 78. The method of claim 77, wherein applying one or more transaction authorization rules includes authorizing the transaction using any one of a PIN, a manual entry, a user pass phrase, and user identification via biometric means. User input device comprising a box. 78. The method of claim 77 wherein  And determining one or more authorization rules and real-time application as a result of the transaction authorization request in accordance with an algorithm using the transaction authorization request time as a function. 78. The user input of claim 77 further comprising determining one or more rules in real time according to an algorithm using input from a data source related to a history event that is recognized as relevant to the transaction authorization request as a result of the transaction authorization request. Device. 87. The user input device of claim 86 wherein the history event is an actual result of a previous purchase or history risk assignment of an authorized user. 78. The method of claim 77, further comprising applying the at least one authorization rule in real time, as a result of a transaction authorization request, in accordance with an algorithm that uses history data associated with a history event, wherein the history event is the transaction authorization request. And wherein the applicable history data changes with each claim time. 89. The user input device of claim 88 wherein the history event is a previous purchase of an authorized user or an actual result of a history risk assignment. 89. The user input device of claim 88 wherein the user input device is one of a computer, a telephone, a mobile phone, and an MP3 player. 89. The user input device of claim 88 wherein the connection of the plurality of trading providers is across a heterogeneous network. 78. The user input device of claim 77, wherein the account charger charges by checking whether a membership exists or by checking that a frequent flight boarding mileage decreases or increases, sales credit increases or decreases, or records a contract. . delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete

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