US5313463A
Expired / Lapsed
US
⏱️ 0.0 years remaining
ISDN credit checking
Assignee: Nokia Bell Labs
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Filing: 1993-03-25
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Granted: 1994-05-17
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Expires: 2013-03-25
Abstract
Abstract A business performs a credit check on a customer's credit card number by utilizing the D-channel of an Integrated Services Digital Network (ISDN) facility. The ISDN facility connects the business to a telecommunications network, which utilizes signaling system number 7 (SS7). Specifically, the ISDN Q.931 protocol is modified to allow the Q.931 FACILITY message to include: a) credit check request, b) a call reference number, and c) the customer's credit card number. This information is sent, via the ISDN D-channel, to the telecommunications network, which passes the information, via an SS7 Transaction Capability Application Part (TCAP) message, to a credit checking data base. A result from the credit checking data based is then passed back through the telecommunications network to the business on the D-channel of the ISDN facility.
Inventors
- 👤 Angela R. Gore
- 👤 Barbara J. Kittredge
- 👤 Julie M. Ladieu-Walton
- 👤 Pamela J. Lauber
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 16:22
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/38; G06Q20/40; G06Q20/403; G06Q20/4037; H; H04; H04M; H04M15/00; H04Q; H04Q3/00; H04Q3/0016; H04Q3/0029; H04Q2213/00; H04Q2213/13209; H04Q2213/13515; H04Q2213/13541; H04Q2213/13547
Claims Analysis
Total Claims: 18
Claim 1
Independent Claim
113 words
A method for validating credit information, the method comprising the steps of: receiving the credit information from a customer on a B-channel of an ISDN facility at a business terminal; sending the credit information on a D-channel of the ISDN facility to a telecommunications network; validating the credit information provided by the D-channel of the ISDN facility; providing a result of the validation from the telecommunications network on the D-channel of the ISDN facility; and receiving a result of the validation from the D-channel of the ISDN facility at the business terminal; where said credit information and said result are embedded within a respective D-channel signaling message to and from the telecommunications network.
Claim 2
Independent Claim
113 words
A method for validating credit information, the method comprising the steps of: receiving the credit information from a customer on a B-channel of an ISDN facility at a business terminal; sending the credit information on a D-channel of the ISDN facility to a telecommunications network; validating the credit information provided by the D-channel of the ISDN facility; providing a result of the validation from the telecommunications network on the D-channel of the ISDN facility; and receiving a result of the validation from the D-channel of the ISDN facility at the business terminal; where said credit information and said result are embedded within a respective D-channel signaling message to and from the telecommunications network.
Claim 3
Dependent Claim
44 words
The method of claim 1 wherein the D-channel signaling message of the sending step includes a FACILITY message, the FACILITY message including: a) a request for validation of the credit information, b) a Call Reference Value for the customer, and c) the credit information.
Claim 4
Dependent Claim
39 words
The method of claim 1 wherein the D-channel signaling message of the receiving a result step includes a FACILITY message, the FACILITY message including: a) a Call Reference Value for the customer, and b) the result of the validation.
Claim 5
Dependent Claim
76 words
The method of claim 1 wherein the validating step comprises the further steps of: receiving the credit information from the D-channel of the ISDN facility in a stored-program-control switch of the telecommunications network; sending the credit information from the stored-program-control switch to a data base; searching the data base to provide the result of the validation, where the search is keyed on said information; and sending the result from the data base to the stored-program-control switch.
Claim 6
Dependent Claim
28 words
The method of claim 4 wherein the sending the credit information step includes the step of sending a SS7 TCAP message, the TCAP message containing the credit information.
Claim 7
Dependent Claim
30 words
The method of claim 4 wherein the sending the result from the data base step includes the step of sending a SS7 TCAP message, the TCAP message containing the result.
Claim 8
Dependent Claim
14 words
The method of claim 1 wherein the credit information is a credit card number.
Claim 9
Dependent Claim
108 words
Apparatus for providing a communication channel to validate credit information from a customer, the apparatus being comprised of: a stored-program-control switch; a premise telephone system; and an ISDN facility for providing communication between the stored program control switch and the premise telephone system, the facility being comprised of a plurality of B-channels and a D-channel, the D-channel being used for a) sending the credit information in a first D-channel signaling message from the premise telephone system to the stored-program-control switch and for b) sending a result of the validation of the credit information from the stored-program-control switch to the premise telephone system in a second D-channel signaling message.
Claim 10
Dependent Claim
108 words
Apparatus for providing a communication channel to validate credit information from a customer, the apparatus being comprised of: a stored-program-control switch; a premise telephone system; and an ISDN facility for providing communication between the stored program control switch and the premise telephone system, the facility being comprised of a plurality of B-channels and a D-channel, the D-channel being used for a) sending the credit information in a first D-channel signaling message from the premise telephone system to the stored-program-control switch and for b) sending a result of the validation of the credit information from the stored-program-control switch to the premise telephone system in a second D-channel signaling message.
Claim 11
Dependent Claim
36 words
The apparatus of claim 8 wherein the premise telephone system is further comprised of: a stored-program-control switch; and an ISDN terminal responsive to the stored-program-control switch for providing access to the D-channel of the ISDN facility.
Claim 12
Dependent Claim
14 words
The apparatus of claim 8 wherein the credit information is a credit card number.
Claim 13
Dependent Claim
21 words
The apparatus of claim 8 wherein the credit information is received from the customer on a B-channel of the ISDN facility.
Claim 14
Dependent Claim
127 words
Apparatus for validating information from a customer, the apparatus being comprised of: a telecommunications network; a credit data base for receiving the information from the telecommunications network and for validating the information and for providing a result of the validation to the telecommunications network; a premise telephone system; and an ISDN facility for providing communication between the telecommunications network and the premise telephone system, the facility being comprised of a plurality of B-channels and a D-channel, the D-channel being used for a) sending the information in a first D-channel signaling message from the premise telephone system to the telecommunications network and for b) sending a result of the validation of the information in a second D-channel signaling message from the telecommunications network to the premise telephone system.
Claim 15
Dependent Claim
127 words
Apparatus for validating information from a customer, the apparatus being comprised of: a telecommunications network; a credit data base for receiving the information from the telecommunications network and for validating the information and for providing a result of the validation to the telecommunications network; a premise telephone system; and an ISDN facility for providing communication between the telecommunications network and the premise telephone system, the facility being comprised of a plurality of B-channels and a D-channel, the D-channel being used for a) sending the information in a first D-channel signaling message from the premise telephone system to the telecommunications network and for b) sending a result of the validation of the information in a second D-channel signaling message from the telecommunications network to the premise telephone system.
Claim 16
Dependent Claim
36 words
The apparatus of claim 12 wherein the premise telephone system is further comprised of: a stored-program-control switch; and an ISDN terminal responsive to the stored-program-control switch for providing access to the D-channel of the ISDN facility.
Claim 17
Dependent Claim
13 words
The apparatus of claim 12 wherein the information is a credit card number.
Claim 18
Dependent Claim
20 words
The apparatus of claim 12 wherein the information is received from the customer on a B-channel of the ISDN facility.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1997-05-16 | 1997-11-15 | 1998-05-17 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2001-05-16 | 2001-11-15 | 2002-05-17 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2005-05-16 | 2005-11-15 | 2006-05-17 | $7700.00 | Window Closed / Lapsed |