Wireless network access prepayment systems and methods

• US 10,296,876 B2
• Filed: 02/24/2014
• Issued: 05/21/2019
• Est. Priority Date: 09/28/2004
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Crawford, Erik S., Sayor, Thomas B., Algiene, Kenneth
• Primary Examiner(s): Miller, Brittney N
• Application Number:
  US14/187,331
• Publication Number:
  US 20140172594A1
• Time in Patent Office: 1,912 Days
• Field of Search: 705 261
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 50/12 Hotels or restaurants
• CPC Class Codes: H04L 65/1069 Session establishment or de-establishment
• CPC Class Codes: H04M 2215/2026 Wireless network, e.g. GSM, PCS, TACS
• CPC Class Codes: H04M 2215/32 Involving wireless systems
• CPC Class Codes: H04W 4/24 Accounting or billing
• CPC Class Codes: H04W 48/08 Access restriction or access information delivery, e.g. discovery data delivery signalling during connection H04W76/00

Abstract

A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.

Claims

1. A method of providing network access, the method comprising:

receiving, by a first merchant computer system operating at a merchant location associated with a merchant, a first request corresponding to a transaction requested by a customer with the merchant;

in response to a determination that the first request corresponds to a requested customer transaction with the merchant, transmitting, by the first merchant computer system, transaction information from the first merchant computer system to a remote host computer system, over a first communication network corresponding to a transaction settlement network;

receiving, at the first merchant computer system, a customer payment associated with the requested customer transaction;

in response to the transmission of the transaction information to the remote host computer system, receiving an activation confirmation from the remote host computer system, over the transaction settlement network, at the first merchant computer system;

in response to receiving the activation confirmation from the remote host computer system, providing, by the first merchant computer system, access information to the customer, wherein the access information is usable to obtain wireless network access for a customer client computer via a wireless network access point operating at the merchant location;

receiving, by a second computing device operating at the merchant location separately and independently from the first merchant computer system, a second request from the customer client computer corresponding to a wireless network access request, the second request including the access information;

validating, by the second computing device, the access information received from the customer client computer; and

in response to a determination by the second computing device that the second request corresponds to a validated network access request from the customer client computer, providing the customer client computer with wireless network access to the remote host computer system, via the wireless network access point at the merchant location, only while the customer client computer is at the merchant location, and wherein the wireless network access is provided over a packet-switched computer network connecting the second computing device to the remote host computer system, the packet-switched computer network having a different network infrastructure from the transaction settlement network.

2. The method of claim 1, wherein the wireless network access point is a wireless hub device operated from within the merchant location.

3. The method of claim 2, wherein the wireless network access point provides access to one or more of Wireless Fidelity (WiFi) network, WiMAX network, 802.11 a network, 802.11 g network, 802.16 network, and 3G network.

4. The method of claim 1, wherein the first merchant computer system comprises a point-of-sale device having a reader.

5. The method of claim 4, wherein receiving the first request corresponding to the transaction request by the customer with the merchant comprises using the reader to obtain the transaction information from a presentation instrument.

6. The method of claim 5, wherein the presentation instrument comprises a selection from a group consisting of a card having a magnetic stripe, a card having a smart chip, a radio frequency emitting device, a virtual card, a “

key chain”

card, and an infrared device.

7. The method of claim 5, wherein the presentation instrument comprises a scratch-off, password-revealing area.

8. The method of claim 5, further comprising using the presentation instrument to settle a transaction with the customer for merchandise.

9. The method of claim 4, wherein the reader comprises a selection from a group consisting of magnetic stripe reader, bar code reader, RFID reader, and infrared reader.

10. The method of claim 1, wherein receiving the activation confirmation from the remote host computer system comprises receiving an activation key code from the remote host computer system over the transaction settlement network.

11. The method of claim 1, wherein the merchant location comprises an automobile, and wherein the access information provided to the customer is usable by the customer to obtain access to the wireless network access point operating within the automobile.

12. The method of claim 1, wherein the merchant location comprises a hotel, and wherein the access information provided to the customer is usable by the customer to obtain access to the wireless network access point operating within the hotel.

13. The method of claim 1, wherein the transaction settlement network over which the first merchant computer system communicates with the remote host computer system comprises a credit card transaction processing network, and wherein the packet-switched computer network over which the second computer device provides Internet access to the customer client computer comprises a virtual private network (VPN).

14. The method of claim 1, wherein the access information provided by the first merchant computer system to the customer corresponds to at least one of a number of hours of Internet access via the wireless network access point, a number of days access to the wireless network access point, or an amount of data accessible to the customer via the wireless network access point.

15. A system for providing network access between a merchant location and a remote host computer system connected by two separate communication networks, the system comprising:

a remote host computer system, comprising;

a processing unit including one or more processors;

one or more memory devices having stored thereon computer-readable instructions which, when executed by the processing unit, cause the remote host computer system to receive and process prepaid wireless network access requests; and

one or more network interfaces capable of supporting communications via a first transaction settlement network, and a second packet-switched computer network having a different network infrastructure from the first transaction settlement network; and

a first merchant computer system, comprising;

a first computer processor; and

a first memory device in communication with the first computer processor having sets of instructions stored thereon which, when executed by the first computer processor, cause the first computer processor to;

receive a first request corresponding to a transaction requested by a customer with a merchant;

in response to a determination that the first request corresponds to a requested customer transaction with the merchant, transmit transaction information from the first merchant computer system operating at the merchant location to the remote host computer system over the first transaction settlement network;

receive a customer payment associated with the requested customer transaction;

in response to the transmission of the transaction information to the remote host computer system, receive an activation confirmation from the remote host computer system, over the first transaction settlement network; and

in response to receiving the activation confirmation from the remote host computer system, provide access information to the customer, wherein the access information is usable to obtain wireless network access for a customer mobile computing device via a wireless network access point operating at the merchant location; and

a second computing device configured to operate at the merchant location separately and independently from the first merchant computer system, the second computing device comprising;

a second computer processor; and

a second memory device in communication with the second computer processor having sets of instruction stored thereon which, when executed by the second computing device, cause the second computer processor to;

receive a second request from the customer mobile computing device corresponding to a wireless network access request, the second request including the access information;

validate, by the second computing device, the access information received from the customer mobile computing device; and

in response to a determination that the second request corresponds to a validated network access request from the customer mobile computing device, provide the customer mobile computing device with secure wireless network access to the remote host computer system, via the wireless network access point operating at the merchant location, only while the customer mobile computing device is at the merchant location, and wherein the secure wireless network access is provided over the second packet-switched computer network connecting the second computing device to the remote host computer system via the different network infrastructure from the first transaction settlement network.

16. The system of claim 15, wherein the first merchant computer system comprises a selection from a group consisting of point-of-sale device, automated teller machine, kiosk, e-commerce server, and vending machine.

17. A non-transitory computer-readable medium for providing network access having sets of instructions stored thereon which, when executed by a computer, cause the computer to:

receive a first request at a first computer system operating at a merchant location, the first request corresponding to a transaction requested by a customer with a merchant;

in response to a determination that the first request corresponds to a requested customer transaction with the merchant, transmit transaction information from the first merchant computer system operating at the merchant location to a remote host computer system over a first transaction settlement network;

receive, at the first merchant computer system, a customer payment associated with the requested customer transaction;

in response to the transmission of the transaction information to the remote host computer system, receive, an activation confirmation at the first merchant computer system from the remote host computer system, over the first transaction settlement network;

in response to receiving the activation confirmation from the remote host computer system, provide access information from the first merchant computer system to the customer, wherein the access information is usable to obtain wireless network access for a customer client computer via a wireless network access point operating at the merchant location;

receive, by a second computing device operating at the merchant location separately and independently from the fist merchant computer system, a second request from the customer client computer corresponding to a wireless network access request, the second request including the access information;

validate, by the second computer device, the access information received from the customer client computer; and

in response to a determination that the second request corresponds to a validated network access request from the customer client computer, provide the customer client computer with secure wireless network access to the remote host computer system, via a wireless network access point at the merchant location, only while the customer client computer is at the merchant location, and wherein the secure wireless network access is provided over a second packet-switched computer network connecting the second computing device to the remote host computer system, the packet-switched computer network having a different network infrastructure from the first transaction settlement network.

18. The non-transitory computer-readable medium of claim 17, wherein the first merchant computer system comprises a point-of-sale device having a reader.

19. The non-transitory computer-readable medium of claim 18, wherein receiving the first request at the first merchant computer system comprises using the reader to obtain information from a presentation instrument, and wherein the presentation instrument comprises a selection from a group consisting of a card having a magnetic stripe, a card having a smart chip, a radio frequency emitting device, a virtual card, a “

key chain”

card, and an infrared device.

20. The non-transitory computer-readable medium of claim 17, wherein receiving the activation confirmation from the remote host computer system comprises receiving an activation key code from the remote host computer system over the first transaction settlement network.