Method of billing a value-added call

• US 6,282,276 B1
• Filed: 02/02/2000
• Issued: 08/28/2001
• Est. Priority Date: 06/05/1996
• Status: Expired due to Term

• Current Assignee: Credit Card Fraud Control Corporation (Acacia Research Corporation), Fraud Control Systems com Corporation
• Original Assignee: David Felger
• Inventors: Felger, David
• Primary Examiner(s): NGUYEN, DUC MINH
• Application Number:
  US09/495,923
• Time in Patent Office: 573 Days
• Field of Search: 379/111-119, 379/121, 379/127, 379/133-134, 379/188-189, 379/201-202, 379/144, 379/123, 379/125, 379/265, 379/266, 379/91.01, 379/194
• US Class Current: 379/114.19
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/47 Fraud detection or prevention means
• CPC Class Codes: H04M 2203/6027 Fraud preventions
• CPC Class Codes: H04M 2215/0148 Fraud detection or prevention means
• CPC Class Codes: H04M 2242/22 Automatic class or number identification arrangements
• CPC Class Codes: H04M 3/38 Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections queuing arrangements H04Q3/64
• CPC Class Codes: H04M 3/42059 Making use of the calling party identifier
• CPC Class Codes: H04M 3/51 Centralised call answering arrangements requiring operator intervention , e.g. call or contact centers for telemarketing
• CPC Class Codes: H04M 3/56 Arrangements for connecting several subscribers to a common circuit, i.e. affording conference facilities video conference systems H04N7/15

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.

Claims

1. 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.

2. 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.

3. 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.

4. 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.

5. The method according to claim 1, wherein the charge for the telephone call is based on a per minute rate.

6. 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.

7. 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.

8. The method according to claim 1, wherein the payment authorization database is located locally.

9. The method according to claim 1, wherein the payment authorization database is located at a remote site.

10. The method according to claim 9, wherein the remote site is a banking institution.

11. The method according to claim 9, wherein the remote site is a credit card agency.

12. 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.

13. The method according to claim 1, wherein the received information associated with a credit account includes form of payment information selected by the caller.

14. The method according to claim 1, wherein the credit account information includes credit card information.

15. The method according to claim 1, wherein the credit account information includes debit card information.

16. The method according to claim 1, wherein the credit account information includes checking account information.

17. The method according to claim 1, wherein the credit account information includes electronic funds transfer information.

18. The method according to claim 1, wherein the credit account information includes a telephone number.

19. The method according to claim 1, wherein the credit account information relates to a cable television account.

20. The method according to claim 1, wherein the credit account information relates to a utility service account.

21. The method according to claim 1, wherein the step of receiving payment authorization includes the step of verifying an address of the caller.

22. The method according to claim 1, wherein the step of receiving payment authorization includes the step of verifying a zip code of the caller.

23. 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.

24. 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.

25. 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.

26. 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.

27. 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.

28. 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.

29. 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.

30. 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.

31. 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.

32. 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.

33. 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.

34. 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.

35. 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.

36. 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.

37. 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.

38. 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.

39. 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.

40. 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.

41. 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.

42. 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.

43. The method according to claim 1, wherein the caller is connected to at least one service representative.

44. The method according to claim 1, wherein the user is connected to a chatroom environment.

45. The method according to claim 1, wherein the user is connected to a talk line.

46. The method according to claim 1, wherein the user is connected to a pay information service.

47. 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.

48. The method according to claim 47, wherein the information that is related to the caller is horoscope information.

49. The method according to claim 1, wherein the service representative is a psychic service representative.

50. 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.

51. 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.

52. 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.

53. 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.

54. 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.

55. 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.

56. 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.

57. 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.

58. 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.

59. 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.

60. 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.

61. 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.

62. 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.

63. The method according to claim 62, wherein the credit account information includes credit card information.

64. The method according to claim 62, wherein the credit account information includes debit card information.

65. The method according to claim 62, wherein the credit account information includes checking account information.

66. The method according to claim 62, wherein the credit account information includes electronic funds transfer information.

67. The method according to claim 62, wherein the credit account information includes a telephone number.

68. The method according to claim 62, wherein the credit account information relates to a cable television account.

69. The method according to claim 62, wherein the credit account information relates to a utility service account.

70. 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.

71. The method according to claim 70, wherein the credit account information includes credit card information.

72. The method according to claim 70, wherein the credit account information includes debit card information.

73. The method according to claim 70, wherein the credit account information includes checking account information.

74. The method according to claim 70, wherein the credit account information includes electronic funds transfer information.

75. The method according to claim 70, wherein the credit account information includes a telephone number.

76. The method according to claim 70, wherein the credit account information relates to a cable television account.

77. The method according to claim 70, wherein the credit account information relates to a utility service account.

78. 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.

79. 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.

80. 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.

81. 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.

82. 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.

83. 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.

84. 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.

85. 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.

86. The method according to claim 52, wherein the caller is connected to at least one service representative.

87. The method according to claim 52, wherein the user is connected to a chatroom environment.

88. The method according to claim,52, wherein the user is connected to a talk line.

89. The method according to claim 52, wherein the user is connected to a pay information service.

90. The method according to claim 52, wherein the database is a shared database.

91. The method according to claim 52, wherein the database is located locally.

92. The method according to claim 52, wherein the database is located at a remote site.

93. 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.

94. 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.

95. 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.

96. The method according to claim 95, further comprising a step of obtaining address information from storage for a caller.

97. 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.

98. 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.

99. 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.

100. 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.

101. 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.

102. 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.

103. 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.

104. 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.

105. 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.

106. 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.

107. 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.

108. 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.

109. 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.

110. The method according to claim 109, wherein the form of payment is a credit card.

111. The method according to claim 109, wherein the form of payment is a debit card.

112. The method according to claim 109, wherein the form of payment is a checking account.

113. The method according to claim 109, wherein the form of payment is an electronic funds transfer.

114. The method according to claim 109, wherein the form of payment is a telephone account.

115. The method according to claim 109, wherein the form of payment is a cable television account.

116. The method according to claim 109, wherein the form of payment is a utility service account.

117. 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.

118. 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.