公开(公告)号：US07248855B2

公开(公告)日：2007-07-24

申请号：US10096912

申请日：2002-03-14

Applicant: Simon James Joyce ,  Murali Goparaju ,  Sundaram Mohan Kumar ,  Radhakrishnan Subhashree ,  Michel Heitstuman

Inventor： Simon James Joyce ,  Murali Goparaju ,  Sundaram Mohan Kumar ,  Radhakrishnan Subhashree ,  Michel Heitstuman

IPC: H04M11/00

CPC classification number: G06Q20/00 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/0601 ,  G06Q40/12 ,  G07F7/0866 ,  H04M15/00 ,  H04M15/68 ,  H04M15/8038 ,  H04M15/854 ,  H04M17/00 ,  H04M2215/0196 ,  H04M2215/32 ,  H04M2215/34 ,  H04M2215/7442 ,  H04M2215/8166 ,  H04Q3/0029 ,  H04Q2213/13003 ,  H04Q2213/1305 ,  H04Q2213/13093 ,  H04Q2213/13095 ,  H04Q2213/13098 ,  H04Q2213/13103 ,  H04Q2213/13106 ,  H04Q2213/13109 ,  H04Q2213/1313 ,  H04Q2213/13134 ,  H04Q2213/1315 ,  H04Q2213/13152 ,  H04Q2213/13176 ,  H04Q2213/13204 ,  H04Q2213/1322 ,  H04Q2213/1324 ,  H04Q2213/13274 ,  H04Q2213/13282 ,  H04Q2213/1332 ,  H04Q2213/13331 ,  H04Q2213/1334 ,  H04Q2213/13345 ,  H04Q2213/13349 ,  H04Q2213/13372 ,  H04Q2213/13377 ,  H04Q2213/13389 ,  H04Q2213/13405 ,  H04W12/12

Abstract: A rule set is used to determine at least one rule for authorizing a transaction debiting an account of an authorized user. Subsequently, the account is debited, according to the at least one rule, in real time if the transaction is authorized. The real time debit is settled with transaction providers in accordance with at least one settlement rule. If it is determined that the authorized user does not have sufficient funds in an authorized user account to debit for the transaction, the authorized user account may be recharged by a recharge routine that includes determining a recharge user account to transfer funds from and authorizing the transfer by at least one of referring to a pre-authorized transfer and requesting authorization from the authorized user. The transaction may be requested and the transaction providers may be connected via heterogeneous networks.

Abstract translation: 规则集用于确定至少一个规则，用于授权交易授权用户的帐户。 随后，根据至少一个规则，如果交易被授权，该帐户被实时借记。 交易提供者根据至少一个结算规则解决实时借记。 如果确定授权用户在授权用户帐户中没有足够的资金来为交易借记，则授权用户账户可以由充值例行程序重新计费，该充值例行程序包括确定充值用户帐户以从转账中转账和授权转账 通过至少一个参考预授权的传送和从授权的用户请求授权。 可以请求该事务，并且交易提供者可以通过异构网络连接。

公开(公告)号：US09098958B2

公开(公告)日：2015-08-04

申请号：US09894890

申请日：2001-06-29

Applicant: Simon James Joyce ,  Prafulla C. Gupta ,  Ashok Kumar Reddy Eanuga ,  Manohar Sitaram Vaidya ,  Kalyan Chakravarthy Kasturi ,  Richa Gupta ,  Suresh Kumar Munnangi ,  Varma Laxmi Jagannadha Siva Kumar Jampana ,  Prasad Naganjaneya Vara Undavalli ,  Kondal Rao Nallajerla ,  Krishna Mohan Sistla ,  Amba Prasad Gudipati ,  Bhanu Murthy Nallagonda ,  Surya Sekhar Lakshmi Velpuri ,  Veerabhadra Rao Kalluri ,  Radhakrishnan Subhashree ,  Sundaram Mohan Kumar ,  Muralidhar Goparaju ,  Raju Wadalkar ,  Fernando Manoel Alves Santos, Jr. ,  Narendra Kumar Velagala ,  Anil Kumar Reddy Nakkala ,  Anjayya Chowdary Tummala ,  Krishna Mohan Venkata Kompella ,  Ravi Kiran Machiraju ,  Srinivas Seetamsetty ,  Gopal Vooradi ,  Sesh Kumar Venkata Hara Naga Burugula ,  Ranganatham Veluru

Inventor： Simon James Joyce ,  Prafulla C. Gupta ,  Ashok Kumar Reddy Eanuga ,  Manohar Sitaram Vaidya ,  Kalyan Chakravarthy Kasturi ,  Richa Gupta ,  Suresh Kumar Munnangi ,  Varma Laxmi Jagannadha Siva Kumar Jampana ,  Prasad Naganjaneya Vara Undavalli ,  Kondal Rao Nallajerla ,  Krishna Mohan Sistla ,  Amba Prasad Gudipati ,  Bhanu Murthy Nallagonda ,  Surya Sekhar Lakshmi Velpuri ,  Veerabhadra Rao Kalluri ,  Radhakrishnan Subhashree ,  Sundaram Mohan Kumar ,  Muralidhar Goparaju ,  Raju Wadalkar ,  Fernando Manoel Alves Santos, Jr. ,  Narendra Kumar Velagala ,  Anil Kumar Reddy Nakkala ,  Anjayya Chowdary Tummala ,  Krishna Mohan Venkata Kompella ,  Ravi Kiran Machiraju ,  Srinivas Seetamsetty ,  Gopal Vooradi ,  Sesh Kumar Venkata Hara Naga Burugula ,  Ranganatham Veluru

IPC: H04M3/42 ,  G07F7/08 ,  G06Q20/00 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/02 ,  H04M15/00 ,  H04M17/00 ,  H04Q3/00 ,  H04W12/12

CPC classification number: G07F7/0866 ,  G06Q20/00 ,  G06Q20/085 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/363 ,  G06Q20/40 ,  G06Q20/403 ,  G06Q30/0283 ,  H04L63/0876 ,  H04L63/126 ,  H04M15/00 ,  H04M15/68 ,  H04M15/8038 ,  H04M15/854 ,  H04M17/00 ,  H04M2215/0196 ,  H04M2215/32 ,  H04M2215/34 ,  H04M2215/7442 ,  H04M2215/8166 ,  H04Q3/0029 ,  H04Q2213/13003 ,  H04Q2213/1305 ,  H04Q2213/13093 ,  H04Q2213/13095 ,  H04Q2213/13098 ,  H04Q2213/13103 ,  H04Q2213/13106 ,  H04Q2213/13109 ,  H04Q2213/1313 ,  H04Q2213/13134 ,  H04Q2213/1315 ,  H04Q2213/13152 ,  H04Q2213/13176 ,  H04Q2213/13204 ,  H04Q2213/1322 ,  H04Q2213/1324 ,  H04Q2213/13274 ,  H04Q2213/13282 ,  H04Q2213/1332 ,  H04Q2213/13331 ,  H04Q2213/1334 ,  H04Q2213/13345 ,  H04Q2213/13349 ,  H04Q2213/13372 ,  H04Q2213/13377 ,  H04Q2213/13389 ,  H04Q2213/13405 ,  H04W8/18 ,  H04W12/08 ,  H04W12/12

Abstract: A method and apparatus for providing mobile commerce, electronic commerce, customer care and communication services via a plurality of networks, including receiving in a roaming network from a user device, an identification number and a request for a service, forwarding from the roaming network, to a home network, the identification number, the request for the service, and adding a service provider identification number that relates to a service provider and a cost or rate of the service, if the service is to be charged, verifying, by a convergent communication platform located on the home network, that the identification number relates to a valid user account, that the user device is authorized to receive the service and that the valid user account has sufficient value to pay for the service, providing an authorization to the service provider, if the identification number relates to the valid user account, the user device is authorized to receive the service and the valid user account has sufficient value, if the service is to be charged and charging the valid user account on a real time basis, if necessary, for providing the service, if the service is to be charged.