Self-paying smart utility meter and payment service

• US 6,980,973 B1
• Filed: 09/07/1999
• Issued: 12/27/2005
• Est. Priority Date: 09/07/1999
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Karpenko, Igor V.
• Primary Examiner(s): Dixon, Thomas A.
• Application Number:
  US09/390,937
• Time in Patent Office: 2,303 Days
• Field of Search: 705/412, 705/413, 340/870.02, 340/5.41, 340/5.4, 340/5.42, 232/207, 283/58, 363/95, 738/61
• US Class Current: 705/412
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 50/06 Energy or water supply
• CPC Class Codes: G07F 15/12 in which metering is on a time basis
• 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

Abstract

A payment service enables a credit account or a debit account of a customer to be automatically billed for utility usage based on a reading that is automatically taken by an electronic utility meter. A method for processing information relating to usage of a utility includes receiving a utility reading that is a measure of the usage of the utility by a customer. The utility reading is received from a customer site across a first transmission medium. The method next determines an amount using the utility reading and transmitting the amount to a utility provider that is arranged to cause the amount to be paid. The amount is transmitted to the second remote location across a second transmission medium. The first transmission medium and the second transmission medium are each either a network communications line, a fiberoptic line, or a telephone line. The smart utility meter includes an electronic meter reader, a processor unit, a memory, a configuration interface, a network interface, and a power supply.

Claims

1. A method for a utility provider to process information relating to usage of a utility, said method comprising:

configuring a smart meter at a remote customer site to include customer address information and a customer card account number;

receiving a utility reading from said smart meter, the utility reading being a measure of the usage of the utility by a customer, wherein the utility reading is received by said utility provider from said remote customer site across a first transmission medium;

receiving, by said utility provider, said address information associated with a location of the smart meter from said smart meter at said remote customer site across said first transmission medium;

receiving, by said utility provider, said customer card account number from said smart meter at said remote customer site across said first transmission medium, wherein said utility reading, said address information and said customer card account number are sent automatically by said smart meter;

determining, by said utility provider, an amount after receiving the utility reading, wherein the amount is determined using the received utility reading and the address information; and

automatically transmitting the amount and said customer card account number directly to a financial institution after determining the amount, the amount and said customer card account number being transmitted to the financial institution across a second transmission medium, wherein the financial institution is arranged to automatically effect a payment of the amount by the customer.

2. A method as recited in claim 1 wherein the first transmission medium is one selected from the group consisting of a network communications line, a fiberoptic line, an ISDN line and a telephone line.

3. A method as recited in claim 1 wherein the second transmission medium is one selected from the group consisting of a network communications line, a fiberoptic line, an ISDN line and a telephone line.

4. A method as recited in claim 1 wherein the utility is electricity, water or gas.

5. A method as recited in claim 1 wherein said customer card account number represents a credit card or a debit card.

6. A method as recited in claim 1 further comprising:

transmitting said utility reading, said address information and said customer card account number from said smart meter to said utility in an ISO standard message.

7. A method as recited in claim 1 further including receiving a unit code, the unit code being arranged to identify the units associated with the utility reading.

8. A method as recited in claim 1 wherein transmitting the amount to the financial institution across said second transmission medium includes transmitting the amount across a global telecommunications network, the global telecommunications network being arranged to perform clearance and settlement transactions.

9. A method as recited in claim 8 further including generating a credit message using the amount, wherein transmitting the amount to the financial institution includes transmitting the credit message to the financial institution.

10. A method as recited in claim 8 further including generating a debit message using the amount, wherein transmitting the amount to the financial institution includes transmitting the debit message to the financial institution.

11. A system for processing a utility usage transaction, the system comprising:

a utility meter located at a remote customer site, the utility meter being arranged to generate a measure of usage of a utility;

a configuration interface of said utility meter that accepts a customer card account number and a customer address;

a memory of said utility meter that stores said customer card account number and said customer address;

a utility provider'"'"'s processing center arranged to receive automatically the measure of usage, the card account number and the customer address from the utility meter and to calculate a price from the measure of usage and the address, the processing center further being arranged to automatically effect a credit transaction or a debit transaction associated with the price by sending a message to a clearing and settlement system, whereby said utility usage transaction is processed automatically; and

a communication device of said utility meter arranged to transmit automatically the measure of usage, the card account number and the customer address to the processing center over a telecommunications network.

12. A method as recited in claim 11 wherein the utility is electricity, water or gas.

13. A method as recited in claim 11 wherein said customer card account number represents a credit card or a debit card.

14. A method as recited in claim 11 wherein said message is a standard ISO credit or debit message.