WO2003102887A1 - A method of operating a mobile communication system in a public communications network - Google Patents

A method of operating a mobile communication system in a public communications network Download PDF

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Publication number
WO2003102887A1
WO2003102887A1 PCT/IB2002/001919 IB0201919W WO03102887A1 WO 2003102887 A1 WO2003102887 A1 WO 2003102887A1 IB 0201919 W IB0201919 W IB 0201919W WO 03102887 A1 WO03102887 A1 WO 03102887A1
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WO
WIPO (PCT)
Prior art keywords
mcd
transaction server
server computer
call credit
call
Prior art date
Application number
PCT/IB2002/001919
Other languages
French (fr)
Inventor
Henrik Piski
Original Assignee
Page One Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Page One Limited filed Critical Page One Limited
Priority to EP02733070A priority Critical patent/EP1518215A1/en
Priority to PCT/IB2002/001919 priority patent/WO2003102887A1/en
Priority to AU2002304403A priority patent/AU2002304403A1/en
Publication of WO2003102887A1 publication Critical patent/WO2003102887A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/46—Real-time negotiation between users and providers or operators
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/88—Provision for limiting connection, or expenditure
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/106—Account details or usage using commercial credit or debit cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/14—Prepayment of wireline communication systems, wireless communication systems or telephone systems using commercial credit/debit cards, e.g. VISA, AMEX
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0116—Provision for limiting expenditure, e.g. limit on call expenses or account
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/56—On line or real-time flexible agreements between service providers and telecoms operators
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2242/00—Special services or facilities
    • H04M2242/22—Automatic class or number identification arrangements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/42025—Calling or Called party identification service
    • H04M3/42034—Calling party identification service
    • H04M3/42059—Making use of the calling party identifier
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/487—Arrangements for providing information services, e.g. recorded voice services or time announcements
    • H04M3/493—Interactive information services, e.g. directory enquiries ; Arrangements therefor, e.g. interactive voice response [IVR] systems or voice portals
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M3/00—Automatic or semi-automatic exchanges
    • H04M3/42—Systems providing special services or facilities to subscribers
    • H04M3/50—Centralised arrangements for answering calls; Centralised arrangements for recording messages for absent or busy subscribers ; Centralised arrangements for recording messages
    • H04M3/51—Centralised call answering arrangements requiring operator intervention, e.g. call or contact centers for telemarketing

Definitions

  • This invention relates to a method of operating a mobile communications system in a public communications network, in which the public communications network interconnects a plurality of Mobile Communication Devices (MCDs) and a transaction server computer.
  • MCDs Mobile Communication Devices
  • bill-payment mobile telephones the user is provided with a monthly or quarterly bill for usage of the mobile telephone over that period. This bill includes the charge for both line rental and calls made and received by the user.
  • credit top-up phones otherwise known as pay-as-you-go phones
  • pay-as-you-go phones are becoming more popular. This is particularly true amongst those on infrequent or minimal incomes such as students as well as those users who only use their phones from time to time.
  • the user purchases "call credit” in €5, €10 or €20 amounts depending on their individual needs. Call credit may be purchased from shops, ATM machines, mobile phone vendors, vending machines and other suitable locations.
  • the mobile phone user purchases a card having a 14-digit private identification number (PIN) printed thereon, which is effectively call credit information.
  • PIN private identification number
  • the mobile phone user dials the number of his or her mobile network provider and enters the 14-digit PIN when prompted to do so by the network provider.
  • the mobile phones call credit account will then be topped up by the amount specified. In this way the mobile phone user can regulate how much money he or she spends on their mobile phone and they will not have to pay at regular intervals as is the case with bill-payment telephones.
  • the credit top-up phones for the telecommunications network operator in that the operator gets a pre-payment for the use of the telephone, which obviously has an advantageous effect on the operators cash flow. This is particularly true when compared with the system of furnishing accounts with the attendant waiting for payment and also the incidence of bad debts.
  • the telecommunications network operator there would be considerable advantages in a more efficient way of providing call credit to telephone users.
  • a method of operating a mobile communications system in a public communications network interconnecting a plurality of mobile communication devices (MCDs) and a transaction server computer, the transaction server computer further comprising transaction server memory having user details relating to at least some of the MCDs stored thereon, the transaction server computer has access to MCD call credit information and the transaction server computer has access to a remote financial institution computer, the method comprising the steps of:-
  • transaction server computer receiving the call credit purchasing request, accessing transaction server memory and ascertaining whether the user details of the MCD that sent the request are stored in transaction server memory;
  • the transaction server accesses the MCD call credit information and transmits the MCD call credit information to the requesting MCD.
  • the MCD user will not have to rely on being in close proximity to a shop or other retail outlet selling call credit cards or an ATM machine in order to top-up the call credit of their mobile communication device.
  • the MCD user will now no longer be dependant on the time of day they can top-up their credit at any time, day or night, using only the MCD.
  • the telecommunications company can make significant savings in not having to manufacture or distribute the call credit cards by getting their registered users to top up their call credit in this way.
  • a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD making a telephone call to the transaction server computer.
  • a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD sending a Short Messaging Service (SMS) text message to the transaction server computer.
  • SMS Short Messaging Service
  • a method of operating a mobile communications system in a public communications network in which the step of the transaction server computer transmitting the MCD call credit information to the requesting MCD further comprises the transaction server computer sending the MCD call credit information to the MCD in an SMS text message.
  • the method obviates the possibility of an error in transcription for a user that must write down the number that has been recited by a computer generated voice. This is seen as a clear and effective way of delivering the MCD call credit information.
  • a method of operating a mobile communications system in a public communications network in which the step of the MCD sending a call credit purchasing request to the transaction server computer further comprises sending a user password with the purchasing request and the method includes the intermediate step of the transaction server computer validating the request by comparing the password sent in the request with a user password stored with the MCD user details. Adding passwords as part of the call credit purchasing request ensures that a level of security is introduced into the method. Should the mobile phone be stolen or mislaid, a third party will not be able to repetitively use the phone to purchase MCD call credit information without having access to the users password.
  • a method of operating a mobile communications system in a public communications network in which the step of sending the user details of the MCD to the financial institution computer comprises sending the MCD user's credit card details to the financial institution computer.
  • the step of sending the user details of the MCD to the financial institution computer could comprise sending the MCD user's debit card details to the financial institution computer. In either way, this is seen as a particularly efficient way of carrying out the invention. Ownership of credit cards and debit cards is widespread and further billing, which would necessitate a large amount of paperwork would not be necessary. Payment of the credit is obtained in advance of it's sale.
  • a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer further comprises specifying the desired credit amount to be purchased.
  • the MCD call credit user can manage his budget with even greater control.
  • the user may be able to request call credit in predetermined amounts such as €10, €20 or €50 or alternatively may request call credit amounts in a multiple of €10 or other such figure. Again, this gives great flexibility to the MCD user.
  • a method of operating a mobile communications system in a public communications network in which the MCD call credit information comprises a pre-paid call credit private identification number (PIN) code and the step of transmitting MCD call credit information comprises transmitting the PIN to the MCD.
  • PIN pre-paid call credit private identification number
  • This is seen as a simple and efficient method of transmitting MCD call credit information to the MCD.
  • These prepaid call credit PIN codes are a trusted method of storing MCD call credit information. By storing the MCD call credit information in this way minimum resource overhead for storage will be needed as the PIN codes will not take up a large amount of storage in memory.
  • a method of operating a mobile communications system in a public communications network in which on receiving a call credit purchase request from an MCD the transaction server computer ascertains that the user details of that MCD are not in transaction server memory, the transaction server computer sends an error message to the MCD. If the user is not registered with the system, an error message is sent to the user.
  • This error message can include data relating on how they can register for the system.
  • the error message may request the MCD user to send in their postal address so that information on registering with the system may be posted to them.
  • a method of operating a mobile communications system in a public communications network in which if the payment of the call credit purchasing request cannot be processed the transaction server computer sends an error message to the MCD. If for some reason the call credit purchasing request cannot be processed the transaction server will generate an error message and will send it to the MCD. Should the MCD not have sufficient credit with the financial institution or if there is a problem in the communication between the financial institution computer and the transaction server computer the MCD user will be immediately notified and can then attempt to purchase credit at a later date.
  • a method of operating a mobile communications system in a public communications network in which the transaction server computer, on receiving the call credit purchasing request from an MCD, ascertains the number of successful call credit purchasing requests made by that MCD over a predetermined time period, and on the number of successful call credit purchasing requests exceeding a predetermined limit over the predetermined time period, the transaction server sends an error message to the requesting MCD.
  • the transaction server computer on receiving the call credit purchasing request from an MCD, ascertains the number of successful call credit purchasing requests made by that MCD over a predetermined time period, and on the number of successful call credit purchasing requests exceeding a predetermined limit over the predetermined time period, the transaction server sends an error message to the requesting MCD.
  • This is seen as a useful alternative to providing passwords in the method.
  • MCDs that are lost or stolen will only expose the MCD user to a limited risk on how much money that may be charged to their credit card or debit card by a third party. This may be set at an hourly, daily or weekly time period or alternative
  • a method of using a Mobile Communications Device (MCD) in a mobile communications system in a public communications network the public communications network interconnecting a plurality of MCDs and a remote transaction server computer, the remote transaction server computer further comprising a transaction server memory having user details relating to at least some of the MCDs and the remote transaction server computer having access to MCD credit information, the method comprising the steps of:-
  • MCD Mobile Communications Device
  • MCD user This is seen as a particularly simple and efficient way for an MCD user to generate and send a call credit purchasing request to a transaction server and to top-up their mobile phone.
  • the MCD user is not dependant on location or not limited to any time of day in which the user may top-up their mobile call credit. This is seen as particularly beneficial to the user as often when the user needs to purchase credit most they will not be in a location suitable to do so.
  • the MCD user will have greater peace of mind that they may purchase credit at any time day or night and will not be left in a situation in which they cannot obtain call credit.
  • a method of using an MCD in a mobile communications system in which the step of generating and sending a call credit purchase request from the MCD to the remote transaction server computer further comprises making a telephone call from the MCD to the remote transaction server computer.
  • the MCD user could send an SMS text message instead of making a telephone call from the MCD to the remote transaction server computer.
  • This also is seen as a very useful way in carrying out the method as well as further reducing the complexity of the transaction server computer that must receive the call credit purchasing requests.
  • a method of using an MCD in a mobile communications system in which the step of receiving MCD call credit information from the remote transaction server computer further comprises receiving an SMS text message containing the MCD call credit information from the remote transaction server computer.
  • a method of using an MCD in a mobile communications system in which the MCD call credit information is in the form of a PIN code and the step of receiving the MCD call credit information from the remote transaction server computer comprises receiving a PIN code from the remote transaction server.
  • the MCD call credit information is in the form of a PIN code
  • the step of receiving the MCD call credit information from the remote transaction server computer comprises receiving a PIN code from the remote transaction server.
  • a method of using an MCD in a mobile communications system in which the step of the MCD generating and sending a call credit purchase request further comprises sending a password to the remote transaction server computer.
  • sending a password to the remote transaction server computer a more secure method is provided.
  • the MCD user that loses or has their MCD stolen will not be exposed to a large credit card bill due to fraudulent use of the MCD to obtain call credit information.
  • the third party in possession of the MCD would have to have possession of the password in order to obtain call credit information.
  • a method of using an MCD in a mobile communications system in which the method includes the initial step of registering as an MCD user with the remote transaction server computer by sending user details to the remote transaction server computer. Registering as an MCD user may be done in a simple and efficient manner with a minimum of effort. This will allow the transaction server computer to identify the MCD user making the call credit purchasing request.
  • sending user details further comprises sending the user's credit card details.
  • the user's debit card details could be sent.
  • a method of using an MCD in a mobile communications system in which the step of generating and sending a call credit purchasing request to the remote transaction server further comprises specifying the desired credit amount to be purchased.
  • a transaction server computer for controlling the use of a mobile communications system in a public communications network, the public communications network interconnecting the transaction server computer and a plurality of remote mobile communication devices (MCDs), the transaction server computer comprising:-
  • a receiver for receiving a call credit purchasing request from an MCD (b) a receiver for receiving a call credit purchasing request from an MCD; (c ) means to determine whether the user details of the MCD sending a call credit purchasing request are stored on transaction server memory;
  • (d) means to communicate with a remote financial institution computer in order to clear payment of a call credit purchase request made by an MCD;
  • the transaction server computer is a useful way of allowing MCD users to top-up their call credit by purchasing call credit information in a simple and cost efficient manner.
  • the transaction server computer can store data relating to a large number of MCD users and will enable them to contact the transaction server computer when they require call credit.
  • MCD call credit information stored on the transaction server computer memory, the call credit information may be found quickly with a minimum of fuss.
  • the mobile telecommunications companies will not have to produce and distribute as many call card information cards as was previously required.
  • a transaction server computer in which the user details stored on transaction server memory comprise the user's credit card details.
  • the user's debit card details could be stored on transaction server memory.
  • a transaction server computer in which the receiver for receiving a call credit purchasing request from an MCD comprises a GSM modem.
  • the transaction server can receive either a telephone call from a mobile communication device or an SMS text message from an MCD. This will not require a large manned call centre and the majority of requests may be dealt with in an automated fashion.
  • a transaction server computer in which the transmitter for transmitting the MCD call credit information from transaction server memory to an MCD comprises a GSM modem.
  • the transaction server computer can transmit the call credit information in an SMS text message. Again, this will allow a high degree of automation to be introduced into the transaction server computer negating the need for expensive large scale manned call centres.
  • a transaction server computer in which the transmitter has means to transmit an error message to the requesting MCD on the call credit purchasing request being denied.
  • the error message can reflect this indicating that the MCD user should try at a later time.
  • the transmitter also may have means to transmit an error message to the requesting MCD on the transaction server determining that the user details of the requesting MCD are not stored in transaction server memory.
  • the error message may include details on how the MCD user can register with the system or can prompt the MCD user to send in address details so that the relevant information can be posted to their home address if so desired.
  • a transaction server in which the MCD call credit information is stored in transaction server memory in the form of prepaid credit private identification number (PIN) codes.
  • PIN prepaid credit private identification number
  • a transaction server computer in which the transaction server computer has means to receive a password from a requesting MCD and means to compare that password with a password stored with that MCD's user details in transaction server memory. This will allow for greater security in the system and prevent incidents of stolen MCDs being used to obtain call credit information.
  • the transaction server could have means to determine the number of successful call credit purchasing requests made from an MCD over a predetermined time period and on the number of successful call credit purchasing requests exceeding a predetermined limit, the transaction server has means to send an error message to the requesting MCD. This will also prevent excessive use of the MCD to purchase call credit should the MCD be stolen or mislaid. This will provide greater peace of mind to the MCD user that is registered with the system.
  • a computer program having program instructions for causing a computer to carry out the method steps performed by the transaction server.
  • the transaction server may largely be implemented in an automated fashion as software running on a computer.
  • the computer program may be stored on a record medium, a carrier signal or indeed may be embedded in an integrated circuit. These are all seen as useful.
  • Fig. 1 is a block diagram of a mobile communications system in which the method is carried out according to the invention
  • Fig. 2 is a flow diagram of the method in accordance with the invention
  • Fig. 3 is a flow diagram of an MCD making a call credit purchase request including MCD set up.
  • a transaction server computer 2 is connected to a plurality of mobile communication devices 3 by way of a public communications network 4.
  • the transaction server computer 2 further comprises transaction server memory 5 having user details relating to at least some of the MCDs 3 stored thereon.
  • the transaction server computer 2 has access to MCD call credit information and has access to a remote financial institution computer 6.
  • the MCD 3 makes a call credit purchasing request to the transaction server computer 2 by sending a Short Messaging Service (SMS) text message to the transaction server 2 via the public communications network 4.
  • SMS Short Messaging Service
  • the transaction server computer 2 accesses the transaction server memory 5 and ascertains whether the user details of the MCD making the call credit purchasing request are stored therein. If the user details of the MCD 3 sending the call credit purchasing request are found in transaction server memory 5 the transaction server computer 2 sends the user details to the remote financial institution computer 6.
  • the financial institution computer 6 then processes payment of the call credit purchase request in accordance with the user details and sends a positive payment response to the transaction server computer 2 if the payment request has been accepted or a negative payment response to the transaction server computer 2 if the payment request has been denied.
  • the transaction server computer 2 accesses the MCD call credit information, stored as 14-digit PIN codes in transaction server memory 5, and transmits the MCD call credit information to the requesting MCD 3 in an SMS text message.
  • the requesting MCD is then able to top- up its call credit using the MCD call credit information in the known manner.
  • the financial institution computer is provided by a credit card vendor computer and the user details sent to the credit card vendor computer comprise the user's credit card details. If the transaction server computer 2 is unable to find the user details of the MCD 3 making the call credit purchasing request in the transaction server memory 5 or the payment response received from the financial institution computer 6 is negative, the transaction server computer 2 sends an error message to the MCD 3 making the request.
  • step 10 the MCD 3 makes a call credit purchasing request to the transaction server computer 2. This is achieved by sending an SMS text message from the MCD 3 to the transaction server computer 2.
  • the SMS text message includes a user specific password contained therein as well as a numeric value indicating the amount in the local currency of call credit to be purchased.
  • step 11 the transaction server computer 2 receives the SMS text message and retrieves the mobile phone number of the MCD 3 that sent the request.
  • the transaction server computer 2 accesses the transaction server memory 5 in step 12 and checks the user details including the user specific password stored on transaction server memory to see if user details relating to the phone number and hence the requesting MCD 3 are stored thereon. If there are no user details for that MCD 3 in transaction server memory 5 the method proceeds to step 13 where the transaction server sends an error message to the requesting MCD.
  • step 12 the method proceeds to step 14 where the password sent in the SMS text message credit purchasing request is checked against the password stored with the MCD's user details. If the passwords do not match the method reverts to step 13 and the transaction server computer sends an error message to the MCD 3 making the request. Once the password has been verified, the method proceeds to step 15 wherein the transaction server computer contacts the financial institution computer 6, in this case a credit card vendor computer. The transaction server computer sends the user details comprising the users credit card details to the credit card vendor computer along with the amount specified in the credit-purchasing request.
  • step 16 the credit card vendor computer processes payment of the call credit purchasing request and in step 17 the credit card vendor computer sends a payment response to the transaction server computer.
  • step 18 the transaction server computer 2 reviews the payment response and sees if the payment response is positive. If the payment response is not positive an error message is sent to the requesting MCD in step 19. If, however, the payment response is positive then the method proceeds to step 20 where the transaction server computer 2 retrieves MCD call credit information from transaction server memory. This MCD call credit information comprises a 14-digit PIN code. In step 21 the MCD call credit information is sent to the MCD 3 that made the credit purchase request. The MCD user is then free to use the 14-digit PIN code in the known manner to replenish their call credit. In step 22 the transaction server computer 2 is finished with that call credit purchasing request and awaits the next call credit purchasing request.
  • Fig. 3 of the drawings there is shown a flow diagram of an MCD making a call credit purchase request.
  • the MCD registers with the transaction server computer. This comprises the MCD user sending their user details, including their credit card details to the transaction server computer 2 where they are stored in transaction server memory 5.
  • the MCD 3 generates and sends a call credit purchasing request to the remote transaction server computer 2. This comprises sending the transaction server computer an SMS text message with a user password and a credit amount contained within the SMS text message.
  • the MCD 3 receives a response from the transaction server computer 2.
  • the response received will be an SMS text message with an error message indicating that the call credit purchase request could not be processed at that time. If, however, the call credit purchase request was processed then the response received is an SMS text message with MCD call credit information in the form of a 14-digit PIN code contained therein. In step 28, the MCD user updates their call credit account by using the 14-digit PIN code in the known manner.
  • the call credit purchasing request was made by way of sending an SMS text message to the transaction server computer 2 from the MCD 3.
  • the MCD user could simply make a telephone call to the transactions server computer. The call could be cut off after a predetermined number of rings and a standard credit amount such as €10 would be sent with the user details to the financial institution computer.
  • debit card details of the MCD user could be stored as user details on transaction server memory 5 and these user details may be sent to the debit card vendors computer acting as the financial institution computer.
  • the invention further includes a transaction server computer for controlling the use of a mobile communications system in a public communications network, the public communications network interconnecting the transaction server computer and a plurality of remote MCDs.
  • the transaction server comprises a receiver for receiving a call credit purchasing request, a transaction server memory for storing user details relating to at least some of the MCDs and MCD call credit information.
  • the transaction server computer has means to determine whether the user details of an MCD sending a credit purchasing request are stored on transaction server memory and means to communicate with a remote financial institution computer to clear payment of the call credit purchasing request.
  • the transaction server computer is provided with a transmitter for transmitting MCD call credit information to an MCD on a call credit purchasing request being accepted.
  • the transaction server stores the users debit card or credit card details in transaction server memory.
  • the receiver and the transmitter both comprise a GSM modem for receiving and transmitting SMS messages respectively to the MCD.
  • the transmitter has means to transmit an error message to the MCD if the call credit purchase request is not accepted or if the user details for the requesting MCD are not stored on transaction server memory.
  • the MCD call credit information is stored in the form of 14-digit private identification number (PIN) codes.
  • PIN private identification number
  • the transaction server computer has means to receive a password from the MCD and means to compare the password with a password stored with that MCD's user details stored in transaction server memory. This password will form part of the SMS text message call credit purchase request.
  • the transaction server computer receives the SMS text message and checks the content for the presence of the appropriate password.
  • the MCD could make the request simply by making a telephone call to the transaction server computer. By making a telephone call, the caller's I.D.
  • the call may be disconnected after a predetermined number of phone rings in which case a set amount of call credit, for instance €10, will be passed along with the users details to the transaction server computer for payment processing.
  • the MCD user can make a call to the transaction server and an automated or other manned call centre system could receive the call and prompt the MCD user for further details such as quantity of credit required and user password.
  • the telephone user could simply dial the number of the transaction server followed by the user's password and the transaction server would be able to ascertain the caller and check their password at the same time.
  • the users call credit account would then be topped up by a predetermined amount if the payment request was successful.
  • the method could simply limit the number of times that a call credit purchasing request could be made by an MCD over a certain time period. In this way the transaction server computer could monitor the number of successful call credit purchasing request that had been made by an MCD over a predetermined period, for example, over a twenty-four hour period. If the number of successful call credit purchasing requests exceeds a predetermined number over that period then the transaction server computer would not process the request and instead the transaction server computer would send an error message to the MCD.
  • a record of the amount of credit that has been successfully purchased over a predetermined time period could be stored by the transaction server computer and should the MCDs call credit purchasing request exceed a predetermined call credit limit for that period the transaction server will generate an error message and send it to the MCD.
  • remote has been used at times with reference to various pieces of apparatus including the MCD, the transaction server computer and the financial institution computer. It is envisaged that in some instances remote may mean more than simply physically separate but remote could mean that the piece of apparatus is in another jurisdiction.
  • the MCDs and the transaction server computer may be in one jurisdiction while the financial institution computer may be in another jurisdiction, similarly the MCDs may be in one jurisdiction and they are contacting a remote transaction server in another jurisdiction and the remote transaction server contacts the remote financial institution computer in a third jurisdiction. It is clear then that what is meant by remote may mean more than physically separate including but not limited to being in another jurisdiction.
  • the MCD call credit information is stored as 14- digit PIN codes in transaction server memory.
  • the transaction server computer may have access to MCD call credit information by having means to communicate with the mobile communications network operator so that the mobile communications network operator would send the MCD call credit information to the transaction server computer on request. This may allow the mobile communications network operator to keep a firmer control over the PIN codes and may be more suitable for their needs.
  • the transaction server computer is connected to the financial institution computer by way of public communications network. It is envisaged then in some instances the financial institution computer may in fact form part of the transaction server computer itself and therefore they would form part of the same apparatus. Although the transaction server computer is shown connected to the financial institution computer via the public communications network, there may be a dedicated line between the two or other form of communication between the two institutions that may be more suitable for secure transmission of credit card details and the like.
  • the transaction server computer may be implemented largely in software. Therefore, the invention also extends to computer programs, particularly to computer programs on or in a carrier, adapted for putting the invention into practice.
  • the program may be in the form of source code, object code or code intermediate source and object code.
  • the program may be stored on a carrier such as any known computer readable medium such as a floppy disc, ROM, CD ROM or DN.D.
  • the carrier may be a transmissible carrier such as an electrical or optical signal, which may be conveyed via electrical or optical cable or by radio or other means.
  • the program When the program is embodied on a signal, which may be conveyed directly by a cable or other device, the carrier may be constituted by such a cable or other device means.
  • the computer program may be stored in an integrated circuit.

Abstract

A method of operating a mobile communications system in a public communications network (4), the network interconnecting a plurality of mobile communication devices (3) and a transaction server computer (2) having transaction server memory (5) with user details relating to each of the mobile communication devices (3) stored thereon, the mobile communication devices (3) making call credit purchasing requests to the transaction server computer (2) which in turn processes the call credit purchasing request in accordance with the user details stored in transaction server memory (5) and clears payment of the call credit purchasing request with a Financial Institution Computer (6) before sending call credit information to the mobile communications device. In this way, users of the system may top-up their call credit at any time without having to rely on third parties.

Description

"A method of operating a mobile communication system in a public communications network"
Introduction.
This invention relates to a method of operating a mobile communications system in a public communications network, in which the public communications network interconnects a plurality of Mobile Communication Devices (MCDs) and a transaction server computer.
Nowadays, more people are purchasing and using mobile telephones. These mobile telephones can be separated into two distinct groups, bill-payment and credit top-up mobile telephones. With bill-payment mobile telephones, the user is provided with a monthly or quarterly bill for usage of the mobile telephone over that period. This bill includes the charge for both line rental and calls made and received by the user.
Although there are numerous advantages of this type of mobile phone, bill-payment mobile telephones have been found to be unsuitable for many users due to the
<> frequent billing even if the user does not use the mobile telephone regularly.
As a result, credit top-up phones, otherwise known as pay-as-you-go phones, are becoming more popular. This is particularly true amongst those on infrequent or minimal incomes such as students as well as those users who only use their phones from time to time. With credit top-up phones, the user purchases "call credit" in €5, €10 or €20 amounts depending on their individual needs. Call credit may be purchased from shops, ATM machines, mobile phone vendors, vending machines and other suitable locations. When purchasing call credit, the mobile phone user purchases a card having a 14-digit private identification number (PIN) printed thereon, which is effectively call credit information. The mobile phone user then dials the number of his or her mobile network provider and enters the 14-digit PIN when prompted to do so by the network provider. The mobile phones call credit account will then be topped up by the amount specified. In this way the mobile phone user can regulate how much money he or she spends on their mobile phone and they will not have to pay at regular intervals as is the case with bill-payment telephones. There are certain advantages of the credit top-up phones for the telecommunications network operator in that the operator gets a pre-payment for the use of the telephone, which obviously has an advantageous effect on the operators cash flow. This is particularly true when compared with the system of furnishing accounts with the attendant waiting for payment and also the incidence of bad debts. Thus, for the telecommunications network operator there would be considerable advantages in a more efficient way of providing call credit to telephone users.
There are, however, problems associated with the credit top-up phones. One of the problems for the network provider is that it must supply these cards to the shops, vending machines and mobile phone vendors, this introduces printing and distribution expenses as well as vending machine manufacture and maintenance costs. The main problem with credit top-up phones for the user is that they may be unable to purchase 'call credit' when required. Although there are several locations where call credit may be purchased there are often situations where the mobile phone user is unable to obtain call credit. For instance, the mobile phone user may require call credit late at night when the card vendors are closed or when the mobile phone user is in a remote location and not in the vicinity of a card vendor or ATM machine. In these situations the credit top-up phones have been found to be inconvenient for the mobile phone user.
Therefore, it is an object of the present invention to provide a method and apparatus for operating a mobile communications system in a public communications network that is both simple and efficient to use as well as being simple to implement.
Statements of Invention.
According to the invention there is provided a method of operating a mobile communications system in a public communications network, the public communications network interconnecting a plurality of mobile communication devices (MCDs) and a transaction server computer, the transaction server computer further comprising transaction server memory having user details relating to at least some of the MCDs stored thereon, the transaction server computer has access to MCD call credit information and the transaction server computer has access to a remote financial institution computer, the method comprising the steps of:-
(a) The MCD generating and sending a call credit purchasing request to the transaction server computer;
(b) the transaction server computer receiving the call credit purchasing request, accessing transaction server memory and ascertaining whether the user details of the MCD that sent the request are stored in transaction server memory;
(c ) the transaction server computer sending the user details of the MCD that sent the request to the financial institution computer, the financial institution computer processing payment of the credit purchasing request according to the user details and thereafter sending a payment response to the transaction server computer; and
(d) on the payment response indicating successful payment of the call credit purchasing request, the transaction server accesses the MCD call credit information and transmits the MCD call credit information to the requesting MCD.
By using this method, the MCD user will not have to rely on being in close proximity to a shop or other retail outlet selling call credit cards or an ATM machine in order to top-up the call credit of their mobile communication device. The MCD user will now no longer be dependant on the time of day they can top-up their credit at any time, day or night, using only the MCD. Furthermore, the telecommunications company can make significant savings in not having to manufacture or distribute the call credit cards by getting their registered users to top up their call credit in this way.
In one embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD making a telephone call to the transaction server computer. This is seen as a simple and efficient way for the MCD to request call credit from the transaction server computer. It does not involve any further understanding of the system or other technologies to enable the user to top-up their MCD call credit.
In another embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD sending a Short Messaging Service (SMS) text message to the transaction server computer. This is also seen as a useful method of carrying out the invention as the text message can be processed in a very simple and efficient manner at the transaction server computer. Furthermore, this method is simple to execute and requires the minimum of effort from the MCD user.
In a further embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of the transaction server computer transmitting the MCD call credit information to the requesting MCD further comprises the transaction server computer sending the MCD call credit information to the MCD in an SMS text message. By sending the MCD call credit information in SMS text message, the method obviates the possibility of an error in transcription for a user that must write down the number that has been recited by a computer generated voice. This is seen as a clear and effective way of delivering the MCD call credit information.
In one embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of the MCD sending a call credit purchasing request to the transaction server computer further comprises sending a user password with the purchasing request and the method includes the intermediate step of the transaction server computer validating the request by comparing the password sent in the request with a user password stored with the MCD user details. Adding passwords as part of the call credit purchasing request ensures that a level of security is introduced into the method. Should the mobile phone be stolen or mislaid, a third party will not be able to repetitively use the phone to purchase MCD call credit information without having access to the users password.
In another embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of sending the user details of the MCD to the financial institution computer comprises sending the MCD user's credit card details to the financial institution computer. Alternatively, the step of sending the user details of the MCD to the financial institution computer could comprise sending the MCD user's debit card details to the financial institution computer. In either way, this is seen as a particularly efficient way of carrying out the invention. Ownership of credit cards and debit cards is widespread and further billing, which would necessitate a large amount of paperwork would not be necessary. Payment of the credit is obtained in advance of it's sale.
In another embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer further comprises specifying the desired credit amount to be purchased. In this way, the MCD call credit user can manage his budget with even greater control. The user may be able to request call credit in predetermined amounts such as €10, €20 or €50 or alternatively may request call credit amounts in a multiple of €10 or other such figure. Again, this gives great flexibility to the MCD user.
In a further embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the MCD call credit information comprises a pre-paid call credit private identification number (PIN) code and the step of transmitting MCD call credit information comprises transmitting the PIN to the MCD. This is seen as a simple and efficient method of transmitting MCD call credit information to the MCD. These prepaid call credit PIN codes are a trusted method of storing MCD call credit information. By storing the MCD call credit information in this way minimum resource overhead for storage will be needed as the PIN codes will not take up a large amount of storage in memory. In a further still embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which on receiving a call credit purchase request from an MCD the transaction server computer ascertains that the user details of that MCD are not in transaction server memory, the transaction server computer sends an error message to the MCD. If the user is not registered with the system, an error message is sent to the user. This error message can include data relating on how they can register for the system. Furthermore, the error message may request the MCD user to send in their postal address so that information on registering with the system may be posted to them.
In one embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which if the payment of the call credit purchasing request cannot be processed the transaction server computer sends an error message to the MCD. If for some reason the call credit purchasing request cannot be processed the transaction server will generate an error message and will send it to the MCD. Should the MCD not have sufficient credit with the financial institution or if there is a problem in the communication between the financial institution computer and the transaction server computer the MCD user will be immediately notified and can then attempt to purchase credit at a later date.
In another embodiment of the invention there is provided a method of operating a mobile communications system in a public communications network in which the transaction server computer, on receiving the call credit purchasing request from an MCD, ascertains the number of successful call credit purchasing requests made by that MCD over a predetermined time period, and on the number of successful call credit purchasing requests exceeding a predetermined limit over the predetermined time period, the transaction server sends an error message to the requesting MCD. This is seen as a useful alternative to providing passwords in the method. By limiting the number of successful call credit purchasing requests that may be made by a particular MCD user, MCDs that are lost or stolen will only expose the MCD user to a limited risk on how much money that may be charged to their credit card or debit card by a third party. This may be set at an hourly, daily or weekly time period or alternatively there may be set a predetermined amount of call credit that may be bought within that period and the amount of call credit bought is monitored.
In one embodiment of the invention there is provided a method of using a Mobile Communications Device (MCD) in a mobile communications system in a public communications network, the public communications network interconnecting a plurality of MCDs and a remote transaction server computer, the remote transaction server computer further comprising a transaction server memory having user details relating to at least some of the MCDs and the remote transaction server computer having access to MCD credit information, the method comprising the steps of:-
(a) generating and sending a call credit purchase request from the MCD to the remote transaction server computer and on the call credit purchase request being accepted;
(b) receiving MCD call credit information from the remote transaction server.
This is seen as a particularly simple and efficient way for an MCD user to generate and send a call credit purchasing request to a transaction server and to top-up their mobile phone. The MCD user is not dependant on location or not limited to any time of day in which the user may top-up their mobile call credit. This is seen as particularly beneficial to the user as often when the user needs to purchase credit most they will not be in a location suitable to do so. By simply needing the MCD to purchase the call credit information the MCD user will have greater peace of mind that they may purchase credit at any time day or night and will not be left in a situation in which they cannot obtain call credit.
In another embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the step of generating and sending a call credit purchase request from the MCD to the remote transaction server computer further comprises making a telephone call from the MCD to the remote transaction server computer. This is seen as a simple and efficient way of the MCD user sending a call credit purchase request. Alternatively, the MCD user could send an SMS text message instead of making a telephone call from the MCD to the remote transaction server computer. This also is seen as a very useful way in carrying out the method as well as further reducing the complexity of the transaction server computer that must receive the call credit purchasing requests.
In a further embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the step of receiving MCD call credit information from the remote transaction server computer further comprises receiving an SMS text message containing the MCD call credit information from the remote transaction server computer. Again, this will prevent any errors in transcription and is seen as a very useful and simple way of implementing the method.
In a further embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the MCD call credit information is in the form of a PIN code and the step of receiving the MCD call credit information from the remote transaction server computer comprises receiving a PIN code from the remote transaction server. This is a well known and accepted format for displaying the MCD call credit information. By using a PIN code, the MCD user can simply top up their call credit in the known manner.
In another embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the step of the MCD generating and sending a call credit purchase request further comprises sending a password to the remote transaction server computer. By sending a password to the remote transaction server computer a more secure method is provided. The MCD user that loses or has their MCD stolen will not be exposed to a large credit card bill due to fraudulent use of the MCD to obtain call credit information. The third party in possession of the MCD would have to have possession of the password in order to obtain call credit information.
In another embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the method includes the initial step of registering as an MCD user with the remote transaction server computer by sending user details to the remote transaction server computer. Registering as an MCD user may be done in a simple and efficient manner with a minimum of effort. This will allow the transaction server computer to identify the MCD user making the call credit purchasing request.
In one embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which sending user details further comprises sending the user's credit card details. As an alternative to the user's credit card details the user's debit card details could be sent. These are both efficient ways of billing the MCD user for purchasing the call credit information from the transaction server and will not require further billing and account management capability thereby further simplifying the method.
In another embodiment of the invention there is provided a method of using an MCD in a mobile communications system in which the step of generating and sending a call credit purchasing request to the remote transaction server further comprises specifying the desired credit amount to be purchased. By being able to specify the desired call credit amount to be purchased in the call credit purchasing request, the MCD user will be able to more closely control the amount of money spent and has greater flexibility in purchasing the amount of call credit that is required at a given time. It is seen as useful to the MCD user.
In one embodiment of the invention there is provided a transaction server computer for controlling the use of a mobile communications system in a public communications network, the public communications network interconnecting the transaction server computer and a plurality of remote mobile communication devices (MCDs), the transaction server computer comprising:-
(a) a transaction server memory having user details relating to at least some of the MCDs and MCD call credit information stored thereon;
(b) a receiver for receiving a call credit purchasing request from an MCD; (c ) means to determine whether the user details of the MCD sending a call credit purchasing request are stored on transaction server memory;
(d) means to communicate with a remote financial institution computer in order to clear payment of a call credit purchase request made by an MCD; and
(e) a transmitter for transmitting MCD call credit information from transaction server memory to an MCD on a call credit purchasing request being accepted.
The transaction server computer is a useful way of allowing MCD users to top-up their call credit by purchasing call credit information in a simple and cost efficient manner. The transaction server computer can store data relating to a large number of MCD users and will enable them to contact the transaction server computer when they require call credit. By having MCD call credit information stored on the transaction server computer memory, the call credit information may be found quickly with a minimum of fuss. By having such a transaction server computer the mobile telecommunications companies will not have to produce and distribute as many call card information cards as was previously required.
In another embodiment of the invention there is provided a transaction server computer in which the user details stored on transaction server memory comprise the user's credit card details. Alternatively the user's debit card details could be stored on transaction server memory. These may then be used by the transaction server computer to clear payments of a call credit purchasing request made by an MCD user in a cost efficient manner. The transaction server is assured of payment for each call credit purchasing request and will not be liable to bad debts due to non-payment of regular billing as would be the case with simple bill payment systems.
In a further embodiment of the invention there is provided a transaction server computer in which the receiver for receiving a call credit purchasing request from an MCD comprises a GSM modem. By using a GSM modem the transaction server can receive either a telephone call from a mobile communication device or an SMS text message from an MCD. This will not require a large manned call centre and the majority of requests may be dealt with in an automated fashion.
In one embodiment of the invention there is provided a transaction server computer in which the transmitter for transmitting the MCD call credit information from transaction server memory to an MCD comprises a GSM modem. By using a GSM modem to transmit the call credit information to the MCD the transaction server computer can transmit the call credit information in an SMS text message. Again, this will allow a high degree of automation to be introduced into the transaction server computer negating the need for expensive large scale manned call centres.
In a further embodiment of the invention there is provided a transaction server computer in which the transmitter has means to transmit an error message to the requesting MCD on the call credit purchasing request being denied. In this way the MCD user will be informed in a short time period allowing them to make alternative arrangements. Should there be difficulty in communicating with the financial institution computer the error message can reflect this indicating that the MCD user should try at a later time. The transmitter also may have means to transmit an error message to the requesting MCD on the transaction server determining that the user details of the requesting MCD are not stored in transaction server memory. The error message may include details on how the MCD user can register with the system or can prompt the MCD user to send in address details so that the relevant information can be posted to their home address if so desired.
In one embodiment of the invention there is provided a transaction server in which the MCD call credit information is stored in transaction server memory in the form of prepaid credit private identification number (PIN) codes. This is a useful way of storing the call credit information as the minimum amount of memory storage requirements are needed. Furthermore, they are an accepted and known way of topping up mobile phones.
In another embodiment* of the invention there is provided a transaction server computer in which the transaction server computer has means to receive a password from a requesting MCD and means to compare that password with a password stored with that MCD's user details in transaction server memory. This will allow for greater security in the system and prevent incidents of stolen MCDs being used to obtain call credit information. Alternatively, the transaction server could have means to determine the number of successful call credit purchasing requests made from an MCD over a predetermined time period and on the number of successful call credit purchasing requests exceeding a predetermined limit, the transaction server has means to send an error message to the requesting MCD. This will also prevent excessive use of the MCD to purchase call credit should the MCD be stolen or mislaid. This will provide greater peace of mind to the MCD user that is registered with the system.
In a further embodiment of the invention there is provided a computer program having program instructions for causing a computer to carry out the method steps performed by the transaction server. What must be understood is that large portions of this invention may be carried out in software using a computer program having program instructions running on a computer. As already mentioned, the transaction server may largely be implemented in an automated fashion as software running on a computer. The computer program may be stored on a record medium, a carrier signal or indeed may be embedded in an integrated circuit. These are all seen as useful.
Detailed Description.
The invention will now be more clearly understood from the following description of some embodiments thereof given by way of example only with reference to the accompanying drawings in which:-
Fig. 1 is a block diagram of a mobile communications system in which the method is carried out according to the invention;
Fig. 2 is a flow diagram of the method in accordance with the invention; and Fig. 3 is a flow diagram of an MCD making a call credit purchase request including MCD set up.
Referring now to the drawings and initially to Fig. 1 thereof there is shown a mobile communications system in a public communications network indicated generally by the reference numeral 1. A transaction server computer 2 is connected to a plurality of mobile communication devices 3 by way of a public communications network 4. The transaction server computer 2 further comprises transaction server memory 5 having user details relating to at least some of the MCDs 3 stored thereon. The transaction server computer 2 has access to MCD call credit information and has access to a remote financial institution computer 6.
In use, the MCD 3 makes a call credit purchasing request to the transaction server computer 2 by sending a Short Messaging Service (SMS) text message to the transaction server 2 via the public communications network 4. On receiving the request the transaction server computer 2 accesses the transaction server memory 5 and ascertains whether the user details of the MCD making the call credit purchasing request are stored therein. If the user details of the MCD 3 sending the call credit purchasing request are found in transaction server memory 5 the transaction server computer 2 sends the user details to the remote financial institution computer 6. The financial institution computer 6 then processes payment of the call credit purchase request in accordance with the user details and sends a positive payment response to the transaction server computer 2 if the payment request has been accepted or a negative payment response to the transaction server computer 2 if the payment request has been denied.
If the payment response received by the transaction server computer 2 is positive, indicating that the payment request has been accepted, the transaction server computer 2 accesses the MCD call credit information, stored as 14-digit PIN codes in transaction server memory 5, and transmits the MCD call credit information to the requesting MCD 3 in an SMS text message. The requesting MCD is then able to top- up its call credit using the MCD call credit information in the known manner.
In the case described above the financial institution computer is provided by a credit card vendor computer and the user details sent to the credit card vendor computer comprise the user's credit card details. If the transaction server computer 2 is unable to find the user details of the MCD 3 making the call credit purchasing request in the transaction server memory 5 or the payment response received from the financial institution computer 6 is negative, the transaction server computer 2 sends an error message to the MCD 3 making the request.
Referring now to Fig. 2 of the drawings there is shown a flow diagram of one method of operating to the invention. In step 10 the MCD 3 makes a call credit purchasing request to the transaction server computer 2. This is achieved by sending an SMS text message from the MCD 3 to the transaction server computer 2. The SMS text message includes a user specific password contained therein as well as a numeric value indicating the amount in the local currency of call credit to be purchased. In step 11 , the transaction server computer 2 receives the SMS text message and retrieves the mobile phone number of the MCD 3 that sent the request. Using the mobile phone number, the transaction server computer 2 accesses the transaction server memory 5 in step 12 and checks the user details including the user specific password stored on transaction server memory to see if user details relating to the phone number and hence the requesting MCD 3 are stored thereon. If there are no user details for that MCD 3 in transaction server memory 5 the method proceeds to step 13 where the transaction server sends an error message to the requesting MCD.
If in step 12, the user details for that MCD are in fact stored in transaction server memory 5, the method proceeds to step 14 where the password sent in the SMS text message credit purchasing request is checked against the password stored with the MCD's user details. If the passwords do not match the method reverts to step 13 and the transaction server computer sends an error message to the MCD 3 making the request. Once the password has been verified, the method proceeds to step 15 wherein the transaction server computer contacts the financial institution computer 6, in this case a credit card vendor computer. The transaction server computer sends the user details comprising the users credit card details to the credit card vendor computer along with the amount specified in the credit-purchasing request.
In step 16 the credit card vendor computer processes payment of the call credit purchasing request and in step 17 the credit card vendor computer sends a payment response to the transaction server computer.
In step 18, the transaction server computer 2 reviews the payment response and sees if the payment response is positive. If the payment response is not positive an error message is sent to the requesting MCD in step 19. If, however, the payment response is positive then the method proceeds to step 20 where the transaction server computer 2 retrieves MCD call credit information from transaction server memory. This MCD call credit information comprises a 14-digit PIN code. In step 21 the MCD call credit information is sent to the MCD 3 that made the credit purchase request. The MCD user is then free to use the 14-digit PIN code in the known manner to replenish their call credit. In step 22 the transaction server computer 2 is finished with that call credit purchasing request and awaits the next call credit purchasing request.
Referring now to Fig. 3 of the drawings there is shown a flow diagram of an MCD making a call credit purchase request. In step 25 the MCD registers with the transaction server computer. This comprises the MCD user sending their user details, including their credit card details to the transaction server computer 2 where they are stored in transaction server memory 5. In step 26 the MCD 3 generates and sends a call credit purchasing request to the remote transaction server computer 2. This comprises sending the transaction server computer an SMS text message with a user password and a credit amount contained within the SMS text message. In step 27 the MCD 3 receives a response from the transaction server computer 2. If the MCD was not properly registered with the transaction server or if the payment of the call credit purchasing request could not be processed then the response received will be an SMS text message with an error message indicating that the call credit purchase request could not be processed at that time. If, however, the call credit purchase request was processed then the response received is an SMS text message with MCD call credit information in the form of a 14-digit PIN code contained therein. In step 28, the MCD user updates their call credit account by using the 14-digit PIN code in the known manner.
In the embodiment described above the call credit purchasing request was made by way of sending an SMS text message to the transaction server computer 2 from the MCD 3. As an alternative to the above the MCD user could simply make a telephone call to the transactions server computer. The call could be cut off after a predetermined number of rings and a standard credit amount such as €10 would be sent with the user details to the financial institution computer. In addition to this, as an alternative to credit card details debit card details of the MCD user could be stored as user details on transaction server memory 5 and these user details may be sent to the debit card vendors computer acting as the financial institution computer.
The invention further includes a transaction server computer for controlling the use of a mobile communications system in a public communications network, the public communications network interconnecting the transaction server computer and a plurality of remote MCDs. The transaction server comprises a receiver for receiving a call credit purchasing request, a transaction server memory for storing user details relating to at least some of the MCDs and MCD call credit information. The transaction server computer has means to determine whether the user details of an MCD sending a credit purchasing request are stored on transaction server memory and means to communicate with a remote financial institution computer to clear payment of the call credit purchasing request. Finally, the transaction server computer is provided with a transmitter for transmitting MCD call credit information to an MCD on a call credit purchasing request being accepted.
The transaction server stores the users debit card or credit card details in transaction server memory. The receiver and the transmitter both comprise a GSM modem for receiving and transmitting SMS messages respectively to the MCD. The transmitter has means to transmit an error message to the MCD if the call credit purchase request is not accepted or if the user details for the requesting MCD are not stored on transaction server memory.
The MCD call credit information is stored in the form of 14-digit private identification number (PIN) codes. In this way, the PIN code may be sent to a requesting MCD in an SMS text message in a simple and efficient manner. The transaction server computer has means to receive a password from the MCD and means to compare the password with a password stored with that MCD's user details stored in transaction server memory. This password will form part of the SMS text message call credit purchase request. The transaction server computer receives the SMS text message and checks the content for the presence of the appropriate password. As an alternative to the SMS text messaging, the MCD could make the request simply by making a telephone call to the transaction server computer. By making a telephone call, the caller's I.D. will be displayed at the transaction server computer so it will know which MCD is making the request. The call may be disconnected after a predetermined number of phone rings in which case a set amount of call credit, for instance €10, will be passed along with the users details to the transaction server computer for payment processing. Alternatively, the MCD user can make a call to the transaction server and an automated or other manned call centre system could receive the call and prompt the MCD user for further details such as quantity of credit required and user password. As a further alternative, the telephone user could simply dial the number of the transaction server followed by the user's password and the transaction server would be able to ascertain the caller and check their password at the same time. The users call credit account would then be topped up by a predetermined amount if the payment request was successful.
As an alternative to having passwords that must be stored by the transaction server computer the method could simply limit the number of times that a call credit purchasing request could be made by an MCD over a certain time period. In this way the transaction server computer could monitor the number of successful call credit purchasing request that had been made by an MCD over a predetermined period, for example, over a twenty-four hour period. If the number of successful call credit purchasing requests exceeds a predetermined number over that period then the transaction server computer would not process the request and instead the transaction server computer would send an error message to the MCD. Similarly a record of the amount of credit that has been successfully purchased over a predetermined time period could be stored by the transaction server computer and should the MCDs call credit purchasing request exceed a predetermined call credit limit for that period the transaction server will generate an error message and send it to the MCD.
In this specification the term remote has been used at times with reference to various pieces of apparatus including the MCD, the transaction server computer and the financial institution computer. It is envisaged that in some instances remote may mean more than simply physically separate but remote could mean that the piece of apparatus is in another jurisdiction. For instance, the MCDs and the transaction server computer may be in one jurisdiction while the financial institution computer may be in another jurisdiction, similarly the MCDs may be in one jurisdiction and they are contacting a remote transaction server in another jurisdiction and the remote transaction server contacts the remote financial institution computer in a third jurisdiction. It is clear then that what is meant by remote may mean more than physically separate including but not limited to being in another jurisdiction.
In the embodiments described above the MCD call credit information is stored as 14- digit PIN codes in transaction server memory. In this way a number of 14-digit PIN codes are purchased from the mobile communications network operator in advance and stored in the transaction server memory. Alternatively, the transaction server computer may have access to MCD call credit information by having means to communicate with the mobile communications network operator so that the mobile communications network operator would send the MCD call credit information to the transaction server computer on request. This may allow the mobile communications network operator to keep a firmer control over the PIN codes and may be more suitable for their needs.
In the embodiment shown the transaction server computer is connected to the financial institution computer by way of public communications network. It is envisaged then in some instances the financial institution computer may in fact form part of the transaction server computer itself and therefore they would form part of the same apparatus. Although the transaction server computer is shown connected to the financial institution computer via the public communications network, there may be a dedicated line between the two or other form of communication between the two institutions that may be more suitable for secure transmission of credit card details and the like.
What must be understood is that the transaction server computer may be implemented largely in software. Therefore, the invention also extends to computer programs, particularly to computer programs on or in a carrier, adapted for putting the invention into practice. The program may be in the form of source code, object code or code intermediate source and object code. The program may be stored on a carrier such as any known computer readable medium such as a floppy disc, ROM, CD ROM or DN.D. The carrier may be a transmissible carrier such as an electrical or optical signal, which may be conveyed via electrical or optical cable or by radio or other means. When the program is embodied on a signal, which may be conveyed directly by a cable or other device, the carrier may be constituted by such a cable or other device means. It is further envisaged that the computer program may be stored in an integrated circuit.
In this specification the terms "comprise, comprises, comprised and comprising" or any variation thereof and the terms "include, includes, included and including" or any variation thereof are considered to be totally interchangeable and they should all be afforded the widest possible interpretation.
The invention is not limited to the embodiments hereinbefore described but may be varied in both construction and detail.

Claims

Claims.
1. A method of operating a mobile communications system in a public communications network, the public communications network interconnecting a plurality of mobile communication devices (MCDs) and a transaction server computer, the transaction server computer further comprising transaction server memory having user details relating to at least some of the MCDs stored thereon, the transaction server computer has access to MCD call credit information and the transaction server computer has access to a remote financial institution computer, the method comprising the steps of:-
(a) The MCD generating and sending a call credit purchasing request to the transaction server computer;
(b) the transaction server computer receiving the call credit purchasing request, accessing transaction server memory and ascertaining whether the user details of the MCD that sent the request are stored in transaction server memory;
(c ) the transaction server computer sending the user details of the MCD that sent the request to the financial institution computer, the financial institution computer processing payment of the credit purchasing request according to the user details and thereafter sending a payment response to the transaction server computer; and
(d) on the payment response indicating successful payment of the call credit purchasing request, the transaction server accesses the MCD call credit information and transmits the MCD call credit information to the requesting MCD.
2. A method of operating a mobile communications system in a public communications network as claimed in claim 1 in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD making a telephone call to the transaction server computer.
3. A method of operating a mobile communications system in a public communications network as claimed in claim 1 in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer comprises the MCD sending a Short Messaging Service (SMS) text message to the transaction server computer.
4. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the step of the transaction server computer transmitting the MCD call credit information to the requesting MCD further comprises the transaction server computer sending the MCD call credit information to the MCD in an SMS text message.
5. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the step of the MCD sending a call credit purchasing request to the transaction server computer further comprises sending a user password with the purchasing request and the method includes the intermediate step of the transaction server computer validating the request by comparing the password sent in the request with a user password stored with the MCD user details.
6. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the step of sending the user details of the MCD to the financial institution computer comprises sending the MCD user's credit card details to the financial institution computer.
7. A method of operating a mobile communications system in a public communications network as claimed in any of claims 1 to 5 in which the step of sending the user details of the MCD to the financial institution computer comprises sending the MCD user's debit card details to the financial institution computer.
8. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the step of the MCD generating and sending a call credit purchasing request to the transaction server computer further comprises specifying the desired credit amount to be purchased.
9. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the MCD call credit information comprises a pre-paid call credit private identification number (PIN) code and the step of transmitting MCD call credit information comprises transmitting the PIN to the MCD.
10. A method of operating a mobile communications system in a public communications network as claimed in claim 1 in which on receiving a call credit purchase request from an MCD the transaction server computer ascertains that the user details of that MCD are not in transaction server memory, the transaction server computer sends an error message to the MCD.
11. A method of operating a mobile communications system in a public communications network as claimed in claim 1 in which if the payment of the call credit purchasing request cannot be processed the transaction server computer sends an error message to the MCD.
12. A method of operating a mobile communications system in a public communications network as claimed in any preceding claim in which the transaction server computer, on receiving the call credit purchasing request from an MCD, ascertains the number of successful call credit purchasing requests made by that MCD over a predetermined time period, and on the number of successful call credit purchasing requests exceeding a predetermined limit over the predetermined time period, the transaction server sends an error message to the requesting MCD.
13. A method of using a Mobile Communications Device (MCD) in a mobile communications system in a public communications network, the public communications network interconnecting a plurality of MCDs and a remote transaction server computer, the remote transaction server computer further comprising a transaction server memory having user details relating to at least some of the MCDs and the remote transaction server computer having access to MCD credit information, the method comprising the steps of:-
(a) generating and sending a call credit purchase request from the MCD to the remote transaction server computer and on the call credit purchase request being accepted;
(b) receiving MCD call credit information from the remote transaction server.
14. A method of using an MCD in a mobile communications system as claimed in claim 13 in which the step of generating and sending a call credit purchase request from the MCD to the remote transaction server computer further comprises making a telephone call from the MCD to the remote transaction server computer.
15. A method of using an MCD in a mobile communications system as claimed in claim 13 in which the step of generating and sending a call credit purchase request from the MCD to the remote transaction server computer further comprises sending an SMS text message to the remote transaction server computer.
16. A method of using an MCD in a mobile communications system as claimed in any of claims 13 to 15 in which the step of receiving MCD call credit information from the remote transaction server computer further comprises receiving an SMS text message containing the MCD call credit information from the remote transaction server computer.
17. A method of using an MCD in a mobile communications system as claimed in any of claims 13 to 16 in which the MCD call credit information is in the form of a PIN code and the step of receiving the MCD call credit information from the remote transaction server computer comprises receiving a PIN code from the remote transaction server.
18. A method of using an MCD in a mobile communications system as claimed in any of claims 13 to 17 in which the step of the MCD generating and sending a call credit purchase request further comprises sending a password to the remote transaction server computer.
19. A method of using an MCD in a mobile communications system as claimed in any of claims 13 to 18 in which the method includes the initial step of registering as an MCD user with the remote transaction server computer by sending user details to the remote transaction server computer.
20. A method of using an MCD in a mobile communications system as claimed in claim 19 in which sending user details further comprises sending the user's credit card details.
21. A method of using an MCD in a mobile communications system as claimed in claim 19 in which sending user details further comprises sending the user's debit card details.
22. A method of using an MCD in a mobile communications system as claimed in any of claims 13 to 21 in which the step of generating and sending a call credit purchasing request to the remote transaction server further comprises specifying the desired credit amount to be purchased.
23. A transaction server computer for controlling the use of a mobile communications system in a public communications network, the public communications network interconnecting the transaction server computer and a plurality of remote mobile communication devices (MCDs), the transaction server computer comprising:-
(a) a transaction server memory having user details relating to at least some of the MCDs and MCD call credit information stored thereon;
(b) a receiver for receiving a call credit purchasing request from an MCD;
(c ) means to determine whether the user details of the MCD sending a call credit purchasing request are stored on transaction server memory;
(d) means to communicate with a remote financial institution computer in order to clear payment of a call credit purchase request made by an MCD; and
(e) a transmitter for transmitting MCD call credit information from transaction server memory to an MCD on a call credit purchasing request being accepted.
24. A transaction server computer as claimed in claim 23 in which the user details stored on transaction server memory comprise the user's credit card details.
25. A transaction server computer as claimed in claim 23 in which the user details stored on transaction server memory comprise the user's debit card details.
26. A transaction server computer as claimed in any of claims 23 to 25 in which the receiver for receiving a call credit purchasing request from an MCD comprises a GSM modem.
27. A transaction server computer as claimed in claim 26 in which the received request is in the form of an SMS text message.
28. A transaction server computer as claimed in any of claims 23 to 27 in which the transmitter for transmitting the MCD call credit information from transaction server memory to an MCD comprises a GSM modem.
29. A transaction server computer as claimed in claim 28 in which the MCD call credit information is sent to the requesting MCD in an SMS text message.
30. A transaction server computer as claimed in any of claims 23 to 29 in which the transmitter has means to transmit an error message to the requesting MCD on the call credit purchasing request being denied.
31. A transaction server computer as claimed in any of claims 23 to 30 in which the transmitter has means to transmit an error message to the requesting MCD on the transaction server determining that the user details of the requesting MCD are not stored in transaction server memory.
32. A transaction server as claimed in any of claims 23 to 31 in which the MCD call credit information is stored in transaction server memory in the form of pre-paid credit private identification number (PIN) codes.
33. A transaction server computer as claimed in any of claims 23 to 32 in which the transaction server computer has means to receive a password from a requesting MCD and means to compare that password with a password stored with that MCD's user details in transaction server memory.
34. A transaction server computer as claimed in any of claims 23 to 33 in which the transaction server has means to determine the number of successful call credit purchasing requests made from an MCD over a predetermined time period, and on the number of successful call credit purchasing requests exceeding a predetermined limited, the transaction server has means to send an error message to the requesting MCD.
35. A computer program having program instructions for causing a computer to carry out the method steps performed by the transaction server as claimed in any of claims 1 to 12.
36. A computer program as claimed in claim 35 in which the program is stored on a record medium.
37. A computer program as claimed in claim 35 in which the program is stored on a carrier signal.
38. A computer program as claimed in claim 35 in which the program is embedded in an integrated circuit.
Prelim.14.PS0231.May.3
PCT/IB2002/001919 2002-05-30 2002-05-30 A method of operating a mobile communication system in a public communications network WO2003102887A1 (en)

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PCT/IB2002/001919 WO2003102887A1 (en) 2002-05-30 2002-05-30 A method of operating a mobile communication system in a public communications network
AU2002304403A AU2002304403A1 (en) 2002-05-30 2002-05-30 A method of operating a mobile communication system in a public communications network

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