Credit card actuated telecommunication access network

• US 4,439,636 A
• Filed: 03/09/1982
• Issued: 03/27/1984
• Est. Priority Date: 03/09/1982
• Status: Expired due to Fees

• Current Assignee: Larry Newkirk, Martha Newkirk
• Original Assignee: Larry Newkirk, Martha Newkirk
• Inventors: Newkirk, Larry, Newkirk, Martha
• Primary Examiner(s): SCHREYER, STAFFORD
• Application Number:
  US06/356,430
• Time in Patent Office: 749 Days
• Field of Search: 179/7.1 R, 179/6.3 CC, 179/2 CA, 179/2 A, 179/2 DP, 179/7 R, 179/8 R, 179/18 B, 179/18 D, 179/18 DA, 179/90 CS, 179/6.3, 179/6.4, 235/380, 340/825.33, 340/825.26
• US Class Current: 379/114.19
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04M 17/023 Circuit arrangements
• CPC Class Codes: H04Q 2213/1313 Metering, billing
• CPC Class Codes: H04Q 2213/13515 authentication, authorisation - fraud prevention
• CPC Class Codes: H04Q 3/0029 Provisions for intelligent networking

Abstract

A public access network operating in conjunction with existing telecommunication lines to permit a caller holding a machine-readable credit card to make calls from any local station included in the network without having to deposit coins and without human intervention. The network is constituted by a management and master control central linked to a group of satellites installed at different locations, such as airport terminals. At every installation, the satellite services a plurality of local telephone stations each provided with a standard telephone set, a card reader adapted to scan the caller'"'"'s credit card to derive therefrom a digital signal identifying the card, its number and expiration date, this signal being applied to a local processor to determine whether the card is acceptable to the network. If the card is rejected, the call is terminated, and if accepted, the card data is then transferred from the local processor to a verifying processor at the satellite to test the card number against a stored table of invalid numbers. If the card passes this test the local processor is so advised, the processor then activating the telephone set to permit the caller to dial.

Claims

1. A public access network operating in conjunction with telecommunication lines leasable from a common carrier at a bulk rate, making it possible for callers holding a machine-readable credit card provided with a magnetic stripe and issued by any one of a predetermined plurality of credit card companies authorizing the holder to purchase merchandise and services to dial calls from any local station included in the network, the network comprising:

A. a group of satellites each installed at a different location, each satellite having an intelligent digital switch coupled to said telecommunication lines to effect a connection to that one line included in said lines which is appropriate to a call dialed;

B. averification processor provided with a calendar clock, and means to compare the expiration date on a credit card presented by a caller with the date on which the call is dialed;

C. a plurality of local stations at each location linked to the installed satellite, each station being open to the public and being provided with a communication set which when activated is coupled to the intelligent switch at the installed satellite, a card reader including a magnetic head for scanning the stripe on the caller'"'"'s card and deriving therefrom a digital signal identifying the company issuing the card, its serial number and expiration date, and activation means responsive to said signal to determine if the scanned card is acceptable to the network, said means transferring the signal to the verification processor which tests the card number against a stored table in invalid card numbers to determine its validity and which, if the card passes this test, then functions to activate the communication set to permit the caller to dial, the activated set being then coupled to said switch which engages said one of said transmission lines to cause the call to go through; and

D. A control central linked to the satellites in the group to supervise the operations thereof, said central extracting information from the intelligent switch at each satellite regarding the duration and placement of each of the calls made at the local stations, which information is coordinated with information it extracts from the verification processor regarding the identity and the serial number of the credit cards of the callers making said calls, from which coordinated information the central generates a billing record for submission to the companies issuing the cards, whereby each company can then directly bill their card holders for calls made through the network without obtaining billing information from the common carrier.

2. A network as set forth in claim 1, wherein said communication set is a telephone set.

3. A network as set forth in claim 1 wherein said central includes a network management center linked to the intelligent switch of each of the satellites.

4. A network as set forth in claim 3, wherein said central further includes an access control center coupled to the verification processors in said satellite to update the tables of invalid numbers therein.

5. A network as set forth in claim 1, wherein said central further includes a billing processor coupled to said management center to derive therefrom the details of the calls made through the switches and coupled to the access control center to derive therein data relating to the cards of the callers making the calls, said billing processor merging the details and data to provide credit card billing information.

6. A network as set forth in claim 5, wherein said billing processor operates in conjunction with a magnetic recorder to record the billing information.

7. A network as set forth in claim 1, wherein each location is a different airport terminal.

8. A network as set forth in claim 1, wherein each local station is linked to the satellite by wires.

9. A network as set forth in claim 1, wherein said activation means includes a local processor responsive to said signal to determine whether the card is issued by one of said plurality of companies and to transfer said signal to the verification processor only if the card is so issued.

10. A network as set forth in claim 9, wherein said local processor operates in conjunction with a voice chip having messages therein which are selected by the local processor and delivered to the telephone set to instruct the caller, so that if the inserted card is rejected, the caller is so advised by a message from the voice chip.