WO2023235741A2 - System and method for authorized billing for online services - Google Patents

System and method for authorized billing for online services Download PDF

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Publication number
WO2023235741A2
WO2023235741A2 PCT/US2023/067676 US2023067676W WO2023235741A2 WO 2023235741 A2 WO2023235741 A2 WO 2023235741A2 US 2023067676 W US2023067676 W US 2023067676W WO 2023235741 A2 WO2023235741 A2 WO 2023235741A2
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WIPO (PCT)
Prior art keywords
digits
series
user
fixed length
symbol
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PCT/US2023/067676
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French (fr)
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WO2023235741A3 (en
Inventor
Ari Kahn
Ashley BRENER
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Starkeys Llc
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Publication of WO2023235741A2 publication Critical patent/WO2023235741A2/en
Publication of WO2023235741A3 publication Critical patent/WO2023235741A3/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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Definitions

  • This subject matter relates to system and method for authorized billing for online services.
  • on-line transactions may be processed via an internet-based billing system, communicating over one or more internet-based communication protocols.
  • the techniques described herein relate to a method for authorized charging for an internet hosted service including: generating a series of random digits; prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; displaying the dial string to a user; receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • the techniques described herein relate to a system for authorized charging for an internet hosted service including: a server configured to: generate a series of random digits, prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string, and display the dial string to a user; and a network program element configured to: receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • FIG. 1 is an illustrative non-restrictive example of at least one embodiment of the present disclosure.
  • TABLE. 1 shows an aspect of unified micro payment and authorization sequence in one embodiment.
  • the NNN address signals enumerating the transaction cost is prefixed to a random challenge (RAN) to confirm the authorized billing by a user of the cellular device.
  • RAN random challenge
  • payment may be offered transiently without persisting any identifying metadata previously recorded, since the cellular device and service being authorized can now be identified by the random series of digits tagged along with the payment.
  • a transient billing authorization system may be utilized for example, by internet browsers in absence of persistent data storage techniques, such as those used by COOKIES, or when such data tracking features have been explicitly disabled or declined by users.
  • a fixed length NNN digit sequence precedes the RAN which can be in the forms of XXXX XXXX randomized digit, as in *NNN XXXX XXXXXX, permitting an authorized charge to be applied.
  • NNN Online Charging Systems
  • OCS Online Charging Systems
  • NNN may then parse the first NNN digits of any star prefixed number that has the defined number of digits (15 in the above example) to compute the applicable charge.
  • NNN may equal 000 ($0.00) to permit zero charge access.
  • NNN may equal 001 ($0.01) as disclosed, to levy one penny.
  • the OCS receives from an online application a request for authorization of a transaction having a certain cost ($N.NN). As shown in FIG. 1 , the OCS decodes a star prefixed string of digits that represent the cost, the first three digits (NNN) enumerating the monetary cost, and ignores the RAN:
  • the OCS may receive the NRAN when a user dials it as a telephone number on a cellular device.
  • network controlling elements communicatively coupled with the OCS, may inspect the RAN to authorize the transaction. That is, the OCS may await instruction from the associated network controlling elements, to authorize the billing of the transaction for the online service.
  • the OCS may then further receive instruction from the network controlling elements that the RAN matches an expected RAN, and, on matching, the OCS may authorize the billing of the user’s account in the amount corresponding to the first three digits (NNN), thus allowing for authentication and billing by signaling a single string of digits.
  • FIG. I is an illustrative non-restrictive example of at least one embodiment of the present disclosure.
  • the techniques described herein relate to a method for authorized charging for an internet hosted service including: at step 100, generating a series of random digits; at step 110, prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; at step 100, generating a series of random digits; at step 110, prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; at step
  • step 120 displaying the dial string to a user; at step 130, receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and at step 140, deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • a method for authorized charging for an internet hosted service comprising: generating a series of random digits; prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; displaying the dial string to a user; receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • Clause 4 The method of clause 1, further comprising: receiving authorization for billing the Internet hosted service; and deducting, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • a system for authorized charging for an internet hosted service comprising: a server configured to: generate a series of random digits, prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string, and display the dial string to a user; and a network program element configured to: receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
  • Clause 8 The system of clause 7, wherein the series of random digits comprises at least three digits.
  • Clause 10 The system of clause 7, wherein the network program element is further configured to: receive authorization for billing the Internet hosted service; and deduct, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user.

Abstract

A device may generate a series of random digits. A device may prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string. A device may display the dial string to a user. A device may receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit. A device may deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.

Description

SYSTEM AND METHOD FOR AUTHORIZED BILLING FOR ONLINE SERVICES
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application claims priority to US Provisional Application No.: 63/347,563, filed: May 31, 2022, and entitled “SYSTEM AND METHOD FOR AUTHORIZED BILLING FOR ONLINE SERVICES,” incorporated herein by reference for all purposes.
FIELD
[0002] This subject matter relates to system and method for authorized billing for online services.
BACKGROUND OF TECHNOLOGY
[0003] Typically, on-line transactions may be processed via an internet-based billing system, communicating over one or more internet-based communication protocols.
SUMMARY OF DESCRIBED SUBJECT MATTER
[0004] In some aspects, the techniques described herein relate to a method for authorized charging for an internet hosted service including: generating a series of random digits; prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; displaying the dial string to a user; receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0005] In some aspects, the techniques described herein relate to a system for authorized charging for an internet hosted service including: a server configured to: generate a series of random digits, prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string, and display the dial string to a user; and a network program element configured to: receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
BRIEF DESCRIPTION OF THE DRAWINGS
[0006] Various embodiments of the present disclosure can be further explained with reference to the attached drawings, where like structures are referred to by like numerals throughout the several views. The drawings shown are not necessarily to scale, with emphasis instead generally being placed upon illustrating the principles of the present disclosure. Therefore, specific structural and functional details disclosed herein are not to be interpreted as limiting, but merely as a representative basis for teaching one skilled in the art to variously employ one or more illustrative embodiments.
[0007] FIG. 1 is an illustrative non-restrictive example of at least one embodiment of the present disclosure.
DETAILED DESCRIPTION
[0008] Various detailed embodiments of the present disclosure, taken in conjunction with the accompanying figures, are disclosed herein; however, it is to be understood that the disclosed embodiments are merely illustrative. In addition, each of the examples given in connection with the various embodiments of the present disclosure is intended to be illustrative, and not restrictive.
[0009] Throughout the specification, the following terms take the meanings explicitly associated herein, unless the context clearly dictates otherwise. The phrases “in one embodiment” and “in some embodiments” as used herein do not necessarily refer to the same embodiment(s), though it may. Furthermore, the phrases “in another embodiment” and “in some other embodiments” as used herein do not necessarily refer to a different embodiment, although it may. Thus, as described below, various embodiments may be readily combined, without departing from the scope or spirit of the present disclosure.
[0010] TABLE. 1 shows an aspect of unified micro payment and authorization sequence in one embodiment.
Table. 1
Figure imgf000004_0001
[0011] Systems and Methods for micro authorized billing for digital services are disclosed. In an embodiment users dial the sticker price of an item, which is instantly deducted from their cellular account, followed by a series of randomly generated digits to identify the service or session.
[0012] In one embodiment, the NNN address signals enumerating the transaction cost, is prefixed to a random challenge (RAN) to confirm the authorized billing by a user of the cellular device.
[0013] Further, in one embodiment, given that the payment is now coupled to the authorization in the form of the RAN, payment may be offered transiently without persisting any identifying metadata previously recorded, since the cellular device and service being authorized can now be identified by the random series of digits tagged along with the payment.
[0014] This permits an application and a billing authorization server to authorize the transaction rather than just the user. Such a transient billing authorization system may be utilized for example, by internet browsers in absence of persistent data storage techniques, such as those used by COOKIES, or when such data tracking features have been explicitly disabled or declined by users. [0015] In one embodiment, a fixed length NNN digit sequence precedes the RAN which can be in the forms of XXXX XXXX XXXX randomized digit, as in *NNN XXXX XXXX XXXX, permitting an authorized charge to be applied. Online Charging Systems (OCS) may then parse the first NNN digits of any star prefixed number that has the defined number of digits (15 in the above example) to compute the applicable charge. In one embodiment, NNN may equal 000 ($0.00) to permit zero charge access. In one embodiment, NNN may equal 001 ($0.01) as disclosed, to levy one penny.
[0016] In an embodiment, the OCS receives from an online application a request for authorization of a transaction having a certain cost ($N.NN). As shown in FIG. 1 , the OCS decodes a star prefixed string of digits that represent the cost, the first three digits (NNN) enumerating the monetary cost, and ignores the RAN:
*NNN XXX XXX XXX (NRAN in short).
The OCS may receive the NRAN when a user dials it as a telephone number on a cellular device. In one embodiment, network controlling elements, communicatively coupled with the OCS, may inspect the RAN to authorize the transaction. That is, the OCS may await instruction from the associated network controlling elements, to authorize the billing of the transaction for the online service. In one embodiment, when the OCS receives the NRAN, the OCS may then further receive instruction from the network controlling elements that the RAN matches an expected RAN, and, on matching, the OCS may authorize the billing of the user’s account in the amount corresponding to the first three digits (NNN), thus allowing for authentication and billing by signaling a single string of digits.
[0017] FIG. I is an illustrative non-restrictive example of at least one embodiment of the present disclosure. As shown in Figure 1, in some aspects, the techniques described herein relate to a method for authorized charging for an internet hosted service including: at step 100, generating a series of random digits; at step 110, prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; at step
120, displaying the dial string to a user; at step 130, receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and at step 140, deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0018] At least some aspects of the present disclosure will now be described with reference to the following numbered clauses.
[0019] Clause 1. A method for authorized charging for an internet hosted service comprising: generating a series of random digits; prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; displaying the dial string to a user; receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0020] Clause 2. The method of clause 1, wherein the series of random digits comprises at least three digits.
[0021] Clause 3. The method of clause 1 , wherein the displaying the dial string to the user, further comprising: instructing a device, associated with the user, to display the dial string to the user.
[0022] Clause 4. The method of clause 1, further comprising: receiving authorization for billing the Internet hosted service; and deducting, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0023] Clause 5. The method of clause 1, wherein the symbol is a star ("*") symbol.
[0024] Clause 6. The method of clause 3, wherein the device is a cellphone.
[0025] Clause 7. A system for authorized charging for an internet hosted service comprising: a server configured to: generate a series of random digits, prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string, and display the dial string to a user; and a network program element configured to: receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0026] Clause 8. The system of clause 7, wherein the series of random digits comprises at least three digits.
[0027] Clause 9. The system of clause 7, wherein the server is further configured to instruct a device, associated with the user, to display the dial string to the user.
[0028] Clause 10. The system of clause 7, wherein the network program element is further configured to: receive authorization for billing the Internet hosted service; and deduct, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user.
[0029] Clause 11. The system of clause 7, wherein the symbol is a star ("*") symbol.
[0030] Clause 12. The system of clause 9, wherein the device is a cellphone.
[0031] While one or more embodiments of the present disclosure have been described, it is understood that these embodiments are illustrative only, and not restrictive, and that many modifications may become apparent to those of ordinary skill in the art, including that various embodiments of the inventive methodologies, the inventive systems/platforms, and the inventive devices described herein can be utilized in any combination with each other. Further still, the various steps may be earned out in any desired order (and any desired steps may be added and/or any desired steps may be eliminated).

Claims

CLAIMS What is claimed is:
1. A method for authorized charging for an internet hosted service comprising: generating a series of random digits; prefixing a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string; displaying the dial string to a user; receiving the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deducting, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user.
2. The method of claim 1, wherein the series of random digits comprises at least three digits.
3. The method of claim 1, wherein the displaying the dial string to the user, further comprising: instructing a device, associated with the user, to display the dial string to the user.
4 The method of claim 1 , further comprising: receiving authorization for billing the Internet hosted service; and deducting, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user.
5. The method of claim 1, wherein the symbol is a star (“*”) symbol.
6. The method of claim 3, wherein the device is a cellphone.
7. A system for authorized charging for an internet hosted sendee comprising: a server configured to: generate a series of random digits, prefix a symbol and a fixed length sequence of digits enumerating a charge to the series of random digits to form a dialing string, and display the dial string to a user; and a network program element configured to: receive the dial string from a cellular device, where signals match the charge and the randomly generated series, digit for digit; and deduct, based on the match, the monetary equivalent of the fixed length series of digits, from an account of the user. . The system of claim 7, wherein the series of random digits comprises at least three digits.. The system of claim 7, wherein the server is further configured to instruct a device, associated with the user, to display the dial string to the user. 0. The system of claim 7, wherein the network program element is further configured to: receive authorization for billing the Internet hosted service; and deduct, based on the authorization, the monetary equivalent of the fixed length series of digits, from an account of the user. 1 . The system of claim 7, wherein the symbol is a star (“*”) symbol. 2. The system of claim 9, wherein the device is a cellphone.
PCT/US2023/067676 2022-05-31 2023-05-31 System and method for authorized billing for online services WO2023235741A2 (en)

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US63/347,563 2022-05-31

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US8249965B2 (en) * 2006-03-30 2012-08-21 Obopay, Inc. Member-supported mobile payment system
WO2013059794A1 (en) * 2011-10-22 2013-04-25 Gideon Samid Minting and use of digital money
GB2484140B (en) * 2010-10-01 2017-07-12 Asio Ltd Data communication system
IT201700087233A1 (en) * 2017-07-28 2019-01-28 Alessandro Capuzzello SECURE AUTHENTICATION SYSTEM OF A USER'S IDENTITY IN AN ELECTRONIC SYSTEM FOR BANK TRANSACTIONS
EP3767569A1 (en) * 2019-07-18 2021-01-20 Mastercard International Incorporated An electronic transaction method and device using a flexible transaction identifier

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