Patent US6282276B1 successfully refreshed from Google Patents.
US6282276B1
Expired / Lapsed
US
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Method of billing a value-added call
Assignee: CREDIT FRAUD CONTROL Corp
•
Filing: 2000-02-02
•
Granted: 2001-08-28
•
Expires: 2020-02-02
Abstract
Abstract A method of billing a telephone call between a caller and a value-added service. A request is received from a caller for a telephone call between the caller and the value-added service. Information associated with a credit account is requested before the caller is connected to the value-added service. The information associated with the credit account, such as credit card information, debit card information or checking account information, is received in real time. Credit account information, which includes the received information associated with the credit account and a predetermined amount that is to be charged to the credit account, is communicated to a payment authorization database, which can be located locally or remotely. Alternatively, the credit account information includes the received information associated with the credit account and a predetermined amount that is to be set aside in the credit account for the telephone call. Payment authorization information associated with the credit account is received from the remote site before the caller is connected to the value-added service. The caller is connected to the value-added service when the payment authorization information is affirmative. A total charge for the telephone call that is based on an actual time that the caller is connected to the value-added service is calculated when the telephone call is terminated. Lastly, call charge information associated with the telephone call is transmitted to the remote site when the telephone call is terminated, the call charge information including information for charging the credit account an amount representing a charge for the telephone call.
Inventors
- 👤 David Felger
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 14:48
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/12; H; H04; H04M; H04M15/00; H04M15/47; H04M3/00; H04M3/42; H04M3/50; H04M3/51; H04M3/56; H04M2203/00; H04M2203/60; H04M2203/6027; H04M2215/00; H04M2215/01; H04M2215/0148; H04M2242/00; H04M2242/22; H04M3/38; H04M3/42025; H04M3/42034; H04M3/42059
Claims Analysis
Total Claims: 121
Claim 1
Independent Claim
147 words
A method of billing a telephone call between a caller and a value-added service, the method comprising steps of: receiving a request from a caller for a telephone call between the caller and a value-added service; requesting information associated with a credit account before the caller is connected to the value-added service; receiving the information associated with a credit account; communicating credit account information to a payment authorization database; receiving payment authorization information associated with the credit account from the payment authorization database before the caller is connected to the value-added service; connecting the caller to the value-added service when the payment authorization information is affirmative; and transmitting call charge information associated with the telephone call to the payment authorization database when the telephone call is terminated, the call charge information including information for charging the credit account an amount representing a charge for the telephone call.
Claim 2
Independent Claim
147 words
A method of billing a telephone call between a caller and a value-added service, the method comprising steps of: receiving a request from a caller for a telephone call between the caller and a value-added service; requesting information associated with a credit account before the caller is connected to the value-added service; receiving the information associated with a credit account; communicating credit account information to a payment authorization database; receiving payment authorization information associated with the credit account from the payment authorization database before the caller is connected to the value-added service; connecting the caller to the value-added service when the payment authorization information is affirmative; and transmitting call charge information associated with the telephone call to the payment authorization database when the telephone call is terminated, the call charge information including information for charging the credit account an amount representing a charge for the telephone call.
Claim 3
Dependent Claim
34 words
The method according to claim 1 , wherein the credit account information includes the received information associated with the credit account and a predetermined amount that is to be charged to the credit account.
Claim 4
Dependent Claim
39 words
The method according to claim 1 , wherein the credit account information includes the received information associated with the credit account and a predetermined amount that is to be set aside in the credit account for the telephone call.
Claim 5
Dependent Claim
44 words
The method according to claim 1 , further comprising a step of calculating a total charge for the telephone call when the telephone call is terminated, the total charge being based on an actual time that the caller is connected to the value-added service.
Claim 6
Dependent Claim
21 words
The method according to claim 1 , wherein the charge for the telephone call is based on a per minute rate.
Claim 7
Dependent Claim
50 words
The method according to claim 1 , wherein the credit account information includes an authorization of a predetermined amount, and wherein the call charge information includes information for reversing the authorization of the predetermined amount and for authorizing the credit account the amount representing the charge for the telephone call.
Claim 8
Dependent Claim
33 words
The method according to claim 1 , wherein the call charge information is a credit representing an amount that is the predetermined amount minus the amount representing the charge for the telephone call.
Claim 9
Dependent Claim
15 words
The method according to claim 1 , wherein the payment authorization database is located locally.
Claim 10
Dependent Claim
18 words
The method according to claim 1 , wherein the payment authorization database is located at a remote site.
Claim 11
Dependent Claim
15 words
The method according to claim 9 , wherein the remote site is a banking institution.
Claim 12
Dependent Claim
16 words
The method according to claim 9 , wherein the remote site is a credit card agency.
Claim 13
Dependent Claim
36 words
The method according to claim 1 , wherein the step of requesting information associated with a credit account includes a step of presenting the caller with form of payment information that is selectable by the user.
Claim 14
Dependent Claim
25 words
The method according to claim 1 , wherein the received information associated with a credit account includes form of payment information selected by the caller.
Claim 15
Dependent Claim
16 words
The method according to claim 1 , wherein the credit account information includes credit card information.
Claim 16
Dependent Claim
16 words
The method according to claim 1 , wherein the credit account information includes debit card information.
Claim 17
Dependent Claim
16 words
The method according to claim 1 , wherein the credit account information includes checking account information.
Claim 18
Dependent Claim
17 words
The method according to claim 1 , wherein the credit account information includes electronic funds transfer information.
Claim 19
Dependent Claim
16 words
The method according to claim 1 , wherein the credit account information includes a telephone number.
Claim 20
Dependent Claim
18 words
The method according to claim 1 , wherein the credit account information relates to a cable television account.
Claim 21
Dependent Claim
18 words
The method according to claim 1 , wherein the credit account information relates to a utility service account.
Claim 22
Dependent Claim
24 words
The method according to claim 1 , wherein the step of receiving payment authorization includes the step of verifying an address of the caller.
Claim 23
Dependent Claim
25 words
The method according to claim 1 , wherein the step of receiving payment authorization includes the step of verifying a zip code of the caller.
Claim 24
Dependent Claim
31 words
The method according to claim 1 , further comprising a step of determining whether the telephone call passes fraud control before the step of requesting information associated with the credit account.
Claim 25
Dependent Claim
28 words
The method according to claim 23 , wherein the step of requesting information associated with the credit account is performed when the telephone call passes the fraud control.
Claim 26
Dependent Claim
40 words
The method according to claim 1 , further comprising a step of limiting the telephone call based on a frequency of telephone calls from the caller during a predetermined period of time before connecting the caller to the value-added service.
Claim 27
Dependent Claim
40 words
The method according to claim 1 , further comprising a step of limiting the telephone call based on an amount of money spent by the caller during a predetermined period of time before connecting the caller to the value-added service.
Claim 28
Dependent Claim
36 words
The method according to claim 1 , further comprising a step of limiting the telephone call based on a length telephone call during a predetermined period of time before connecting the caller to the value-added service.
Claim 29
Dependent Claim
32 words
The method according to claim 1 , further comprising a step of blocking the telephone call based on an amount of money spent by the caller during a predetermined period of time.
Claim 30
Dependent Claim
34 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on call origination information for the telephone call.
Claim 31
Dependent Claim
34 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on call origination information for the telephone call.
Claim 32
Dependent Claim
30 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on a caller identification.
Claim 33
Dependent Claim
30 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on a caller identification.
Claim 34
Dependent Claim
34 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on a credit account associated with the caller.
Claim 35
Dependent Claim
34 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on a credit account associated with the caller.
Claim 36
Dependent Claim
31 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on a caller billing address.
Claim 37
Dependent Claim
31 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on a caller billing address.
Claim 38
Dependent Claim
32 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on personal information of the caller.
Claim 39
Dependent Claim
39 words
The method according to claim 37 , wherein the personal information of the caller includes at least a portion of at least one of a driver's license number, a social security number, a mother's maiden name, and a password.
Claim 40
Dependent Claim
32 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on personal information of the caller.
Claim 41
Dependent Claim
39 words
The method according to claim 39 , wherein the personal information of the caller includes at least a portion of at least one of a driver's license number, a social security number, a mother's maiden name, and a password.
Claim 42
Dependent Claim
33 words
The method according to claim 1 , further comprising the step of blocking the call when the call does not pass fraud control based on a time of day the call is received.
Claim 43
Dependent Claim
33 words
The method according to claim 1 , further comprising the step of limiting the call when the call does not pass fraud control based on a time of day the call is received.
Claim 44
Dependent Claim
18 words
The method according to claim 1 , wherein the caller is connected to at least one service representative.
Claim 45
Dependent Claim
16 words
The method according to claim 1 , wherein the user is connected to a chatroom environment.
Claim 46
Dependent Claim
16 words
The method according to claim 1 , wherein the user is connected to a talk line.
Claim 47
Dependent Claim
17 words
The method according to claim 1 , wherein the user is connected to a pay information service.
Claim 48
Dependent Claim
40 words
The method according to claim 1 , further comprising a step of providing information to the caller that is related to the caller when the service representative is unavailable before the step of connecting the caller to the service representative.
Claim 49
Dependent Claim
19 words
The method according to claim 47 , wherein the information that is related to the caller is horoscope information.
Claim 50
Dependent Claim
16 words
The method according to claim 1 , wherein the service representative is a psychic service representative.
Claim 51
Dependent Claim
45 words
The method according to claim 1 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on the information associated with the credit account being supplied from the caller incorrectly a predetermined number of times.
Claim 52
Dependent Claim
45 words
The method according to claim 1 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on the information associated with the credit account being supplied from the caller incorrectly a predetermined number of times.
Claim 53
Independent Claim
102 words
A method for controlling telephone call access to a value-added service, the method comprising steps of: receiving a request from a caller for a telephone call between the caller and a value-added service; receiving information associated with the caller; accessing a database; comparing the received information associated with the caller with information stored in the database; requesting credit account information associated with the caller when the received information associated with the caller passes the comparison with the information stored in the database; and connecting the caller to the value-added service when the requested credit account information associated with the caller is received.
Claim 54
Independent Claim
102 words
A method for controlling telephone call access to a value-added service, the method comprising steps of: receiving a request from a caller for a telephone call between the caller and a value-added service; receiving information associated with the caller; accessing a database; comparing the received information associated with the caller with information stored in the database; requesting credit account information associated with the caller when the received information associated with the caller passes the comparison with the information stored in the database; and connecting the caller to the value-added service when the requested credit account information associated with the caller is received.
Claim 55
Dependent Claim
31 words
The method according to claim 52 , wherein the step of comparing the received information associated with the caller with information stored in the database verifies an identity of the caller.
Claim 56
Dependent Claim
40 words
The method according to claim 52 , further comprising a step of limiting the telephone call based on a frequency of telephone calls from the caller during a predetermined period of time before connecting the caller to the value-added service.
Claim 57
Dependent Claim
39 words
The method according to claim 52 , further comprising a step of limiting the telephone call based an amount of money spent by the caller during a predetermined period of time before connecting the caller to the value-added service.
Claim 58
Dependent Claim
37 words
The method according to claim 52 , further comprising a step of limiting the telephone call based on a length of telephone call during a predetermined period of time before connecting the caller to the value-added service.
Claim 59
Dependent Claim
32 words
The method according to claim 52 , further comprising a step of blocking the telephone call based on an amount of money spent by the caller during a predetermined period of time.
Claim 60
Dependent Claim
49 words
The method according to claim 52 , wherein the received information associated with the caller includes call origination information for the telephone call, the method further comprising a step of blocking the telephone call based on a comparison of the call origination information with information stored in the database.
Claim 61
Dependent Claim
49 words
The method according to claim 52 , wherein the received information associated with the caller includes call origination information for the telephone call, the method further comprising a step of limiting the telephone call based on a comparison of the call origination information with information stored in the database.
Claim 62
Dependent Claim
48 words
The method according to claim 52 , wherein the received information associated with the caller includes an identification of the caller, the method further comprising the step of blocking the telephone call based on a comparison of the identification of the caller with information stored in the database.
Claim 63
Dependent Claim
48 words
The method according to claim 52 , wherein the received information associated with the caller includes an identification of the caller, the method further comprising a step of limiting the telephone call based on a comparison of the identification of the caller with information stored in the database.
Claim 64
Dependent Claim
34 words
The method according to claim 52 , further comprising a step of blocking the caller based on a comparison of the credit account information associated with the caller with information stored in the database.
Claim 65
Dependent Claim
16 words
The method according to claim 62 , wherein the credit account information includes credit card information.
Claim 66
Dependent Claim
16 words
The method according to claim 62 , wherein the credit account information includes debit card information.
Claim 67
Dependent Claim
16 words
The method according to claim 62 , wherein the credit account information includes checking account information.
Claim 68
Dependent Claim
17 words
The method according to claim 62 , wherein the credit account information includes electronic funds transfer information.
Claim 69
Dependent Claim
16 words
The method according to claim 62 , wherein the credit account information includes a telephone number.
Claim 70
Dependent Claim
18 words
The method according to claim 62 , wherein the credit account information relates to a cable television account.
Claim 71
Dependent Claim
18 words
The method according to claim 62 , wherein the credit account information relates to a utility service account.
Claim 72
Dependent Claim
35 words
The method according to claim 52 , further comprising the step of limiting the telephone call based on a comparison of the credit account information associated with the caller with information stored in the database.
Claim 73
Dependent Claim
16 words
The method according to claim 70 , wherein the credit account information includes credit card information.
Claim 74
Dependent Claim
16 words
The method according to claim 70 , wherein the credit account information includes debit card information.
Claim 75
Dependent Claim
16 words
The method according to claim 70 , wherein the credit account information includes checking account information.
Claim 76
Dependent Claim
17 words
The method according to claim 70 , wherein the credit account information includes electronic funds transfer information.
Claim 77
Dependent Claim
16 words
The method according to claim 70 , wherein the credit account information includes a telephone number.
Claim 78
Dependent Claim
18 words
The method according to claim 70 , wherein the credit account information relates to a cable television account.
Claim 79
Dependent Claim
18 words
The method according to claim 70 , wherein the credit account information relates to a utility service account.
Claim 80
Dependent Claim
31 words
The method according to claim 52 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on a caller billing address.
Claim 81
Dependent Claim
31 words
The method according to claim 52 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on a caller billing address.
Claim 82
Dependent Claim
32 words
The method according to claim 52 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on personal information of the caller.
Claim 83
Dependent Claim
39 words
The method according to claim 80 , wherein the personal information of the caller includes at least a portion of at least one of a driver's license number, a social security number, a mother's maiden name, and a password.
Claim 84
Dependent Claim
32 words
The method according to claim 52 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on personal information of the caller.
Claim 85
Dependent Claim
39 words
The method according to claim 82 , wherein the personal information of the caller includes at least a portion of at least one of a driver's license number, a social security number, a mother's maiden name, and a password.
Claim 86
Dependent Claim
33 words
The method according to claim 52 , further comprising the step of blocking the call when the call does not pass fraud control based on a time of day the call is received.
Claim 87
Dependent Claim
33 words
The method according to claim 52 , further comprising the step of limiting the call when the call does not pass fraud control based on a time of day the call is received.
Claim 88
Dependent Claim
18 words
The method according to claim 52 , wherein the caller is connected to at least one service representative.
Claim 89
Dependent Claim
16 words
The method according to claim 52 , wherein the user is connected to a chatroom environment.
Claim 90
Independent Claim
16 words
The method according to claim, 52 , wherein the user is connected to a talk line.
Claim 91
Dependent Claim
17 words
The method according to claim 52 , wherein the user is connected to a pay information service.
Claim 92
Dependent Claim
14 words
The method according to claim 52 , wherein the database is a shared database.
Claim 93
Dependent Claim
13 words
The method according to claim 52 , wherein the database is located locally.
Claim 94
Dependent Claim
16 words
The method according to claim 52 , wherein the database is located at a remote site.
Claim 95
Dependent Claim
44 words
The method according to claim 52 , further comprising a step of limiting the telephone call when the telephone call does not pass fraud control based on the information associated with the caller being supplied from the caller incorrectly a predetermined number of times.
Claim 96
Dependent Claim
44 words
The method according to claim 52 , further comprising a step of blocking the telephone call when the telephone call does not pass fraud control based on the information associated with the caller being supplied from the caller incorrectly a predetermined number of times.
Claim 97
Independent Claim
151 words
A method for initiating fraud control features used in billing a telephone call between a caller and a value-added service, the method comprising steps of: establishing call limit criteria for a telephone call; determining an identity of a caller; retrieving telephone call history information from memory for the identified caller; comparing the telephone call history information with the call limit criteria; limiting at least one of a duration of a telephone call, a number of telephone calls of the identified caller and an amount of money that can be spent by the caller; receiving telephone call origination information; requesting telephone call origination information from the caller; receiving the requested telephone call origination information from the caller; comparing the requested telephone call origination information with the received telephone call origination information; and blocking a telephone call when the requested telephone call origination information does not match the received telephone call origination information.
Claim 98
Independent Claim
151 words
A method for initiating fraud control features used in billing a telephone call between a caller and a value-added service, the method comprising steps of: establishing call limit criteria for a telephone call; determining an identity of a caller; retrieving telephone call history information from memory for the identified caller; comparing the telephone call history information with the call limit criteria; limiting at least one of a duration of a telephone call, a number of telephone calls of the identified caller and an amount of money that can be spent by the caller; receiving telephone call origination information; requesting telephone call origination information from the caller; receiving the requested telephone call origination information from the caller; comparing the requested telephone call origination information with the received telephone call origination information; and blocking a telephone call when the requested telephone call origination information does not match the received telephone call origination information.
Claim 99
Dependent Claim
20 words
The method according to claim 95 , further comprising a step of obtaining address information from storage for a caller.
Claim 100
Dependent Claim
45 words
The method according to claim 96 , further comprising steps of: comparing a postal code of the caller obtained during the identity determination step with a postal code address obtained from storage for the caller; and denying service when the postal codes do not match.
Claim 101
Dependent Claim
57 words
The method according to claim 96 , further comprising a step of: comparing a predetermined number of digits of an address of the caller obtained during the identity determination steps with address information obtained from storage for the caller; and denying service when the predetermined number of digits do not match the address information obtained from storage.
Claim 102
Dependent Claim
30 words
The method according to claim 96 , wherein the step of determining the identity of a caller includes the step of verifying the address information from a credit card agency.
Claim 103
Dependent Claim
29 words
The method according to claim 96 , wherein the step of determining the identity of a caller includes the step of verifying the address information from a banking institution.
Claim 104
Dependent Claim
62 words
The method according to claim 95 , wherein the value-added service is a connection to a service representative, and wherein when the call is not blocked, the method further comprising steps of: determining whether a service representative is available for a telephone call; and offering an alternative service to the caller when a service representative is not available for a telephone call.
Claim 105
Dependent Claim
63 words
The method according to claim 95 , wherein the value-added service is a connection to a service representative, and wherein when the call is not blocked, the method further comprising steps of: determining whether a service representative is available for a telephone call; and automatically switching the caller to another service representative when a service representative is not available for a telephone call.
Claim 106
Dependent Claim
53 words
The method according to claim 95 , wherein when the call is not blocked, the method further comprising steps of: collecting a form of payment information; communicating the form of payment information to a remote site; and receiving payment authorization from the remote site before the caller is connected to the value-added service.
Claim 107
Dependent Claim
26 words
The method according to claim 95 , further comprising a step of sending telephone call information to a remote site when the telephone call is completed.
Claim 108
Dependent Claim
30 words
The method according to claim 95 , wherein the step of receiving telephone call origination information is performed by automatically receiving call origination information when the telephone call is requested.
Claim 109
Dependent Claim
62 words
The method according to claim 95 , further comprising steps of: comparing the received telephone call origination information against a stored list of call origination information for which telephone calls should be blocked; and blocking a telephone call when the received telephone call origination information is included in the stored list of call origination information for which telephone calls should be blocked.
Claim 110
Dependent Claim
31 words
The method according to claim 95 , wherein the step of determining the identity of a caller includes the step of comparing a voiceprint of the caller against a voiceprint database.
Claim 111
Dependent Claim
45 words
The method according to claim 95 , further comprising steps of: collecting a form of payment information; communicating the form of payment information to a payment authorization database; and receiving payment authorization from the payment authorization before the caller is connected to a service representative.
Claim 112
Dependent Claim
54 words
The method according to claim 108 , further comprising the step of transmitting telephone call charge information associated with the telephone call to the payment authorization database when the telephone call is terminated, the telephone call charge information including information for charging a credit account an amount representing a charge for the telephone call.
Claim 113
Dependent Claim
16 words
The method according to claim 109 , wherein the form of payment is a credit card.
Claim 114
Dependent Claim
16 words
The method according to claim 109 , wherein the form of payment is a debit card.
Claim 115
Dependent Claim
16 words
The method according to claim 109 , wherein the form of payment is a checking account.
Claim 116
Dependent Claim
17 words
The method according to claim 109 , wherein the form of payment is an electronic funds transfer.
Claim 117
Dependent Claim
16 words
The method according to claim 109 , wherein the form of payment is a telephone account.
Claim 118
Dependent Claim
17 words
The method according to claim 109 , wherein the form of payment is a cable television account.
Claim 119
Dependent Claim
17 words
The method according to claim 109 , wherein the form of payment is a utility service account.
Claim 120
Dependent Claim
55 words
The method according to claim 95 , wherein the step of blocking the telephone call when the requested telephone call origination information does not match the received telephone call origination information includes a step of allowing the caller to enter the requested call origination information a predetermined number of times before the call is blocked.
Claim 121
Dependent Claim
30 words
The method according to claim 95 , wherein the step of receiving telephone call origination information is performed by automatically receiving call origination information when the telephone call is requested.
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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) | 2004-08-27 | 2005-02-26 | 2005-08-28 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-08-27 | 2009-02-26 | 2009-08-28 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-08-27 | 2013-02-26 | 2013-08-28 | $7700.00 | Window Closed / Lapsed |