Service activation by virtual prepaid card

• US 7,003,499 B2
• Filed: 01/30/2001
• Issued: 02/21/2006
• Est. Priority Date: 02/09/2000
• Status: Expired due to Fees

• Current Assignee: Orange S.A.
• Original Assignee: Orange S.A.
• Inventors: Mouton, Dimitri, Macario-Rat, Gilles, Arditti, David, Bugault, Nicolas
• Primary Examiner(s): Trammell, James P.
• Assistant Examiner(s): Worjloh, Jalatee
• Application Number:
  US10/182,182
• Publication Number:
  US 20030014360A1
• Time in Patent Office: 1,848 Days
• Field of Search: 713200-202, 713182-186, 713/155, 713/156, 713/158, 705 64- 79
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/305 using wired telephone networks
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

In order to prevent the use of a virtual prepaid card illegitimately acquired and transmitting only one identification code, for example read after the card has been scratched, to a service provision server, a second code is delivered on paying for the card, and the two codes have to be authenticated so that the user-purchaser of the card can subsequently use the service concerned in the server still using only the first code.

Claims

1. A method of activating a service using a prepaid card in a service provision arrangement from a user terminal arrangement, a first code necessary to use the service being associated with the card and stored in the service provision arrangement prior to payment for the card, which method comprises the steps of:

delivering a second code associated with said card on paying for said card,

transmitting one of said first code and second code from said terminal arrangement to one authentication arrangement,

authenticating said one code in said one authentication arrangement,

transmitting the other of said first code and second code from said terminal arrangement to another authentication arrangement,

detecting said one code in said one authentication arrangement and authenticating said other code in said another authentication arrangement when said one code has been authenticated, and

deleting said other code in said another authentication arrangement and activating said service in said service provision arrangement at least in response to the authenticated first code after said other code has been authenticated.

2. A method according to claim 1, wherein the second code comprises at least one of the following parameters:

a validity limit of said prepaid card, a time band and a time period of operation of said service to be activated, a value of said prepaid card, a prepaid card receipt number, an identifier of the type of said service to be activated, an identifier of the provider of said service to be activated, and an identifier of the issuer of said prepaid card.

3. A method according to claim 1, wherein said one of said first code and second code is said second code whereby the second code authenticating step precedes the first code authenticating step, which is executed only if said second code has been authenticated.

4. A method according to claim 1, wherein said one of said first code and second code and said other of said first code and second code are respectively said first code and second code, and the step of authenticating said first and the step of authenticating said second code are respectively executed in a first server and a second server communicating with said terminal arrangement via a server of at least voice message.

5. A method according to claim 4, wherein said second server transmits a service identifier, which is at least a portion of said second code, to said service provision arrangement, and said service is activated if the authenticated first code transmitted by said first server to said service provision arrangement is found in correspondence with said service identifier in a prestored table of said service provision arrangement.

6. A method according to claim 5, wherein said service provision arrangement is designated by an address in correspondence with said first code and said second code authenticated in said first server and said second server in order to transmit said authenticated first code and said service identifier from said first server and second server to said service provision arrangement.

7. A method according to claim 1, wherein said service is deemed to be activated when said service provision arrangement deletes a service identifier, which is at least a portion part of the authenticated second code, in a prestored table of the service provision arrangement, after the authenticated first code is found in correspondence with said service identifier.

8. A method according to claim 7, wherein, when said card is used, said service provision arrangement authorizes access to said activated service only in response to said first code transmitted by said terminal arrangement and to a verification of the absence of a service identifier in correspondence with said first code in said prestored table.

9. A method according to claim 1, including a step of configuring said service which has been activated, by collecting parameters and designations of functions from said terminal arrangement for programming said service in said service provision arrangement.

10. A method according to claim 9, wherein, when said card is used, said service provision arrangement authorizes access to said activated service only in response to said first code transmitted by said terminal arrangement and to a verification another predetermined state of the service activation indicator in correspondence with said first code in said prestored table.

11. A method according to claim 1, wherein the prepaid card is a non-material virtual prepaid card in which said first code is readable.

12. A method according to claim 1, wherein said service includes dedicating an answering and recording equipment to a fixed telephone line selected after activating said service.

13. A method according to claim 1, wherein said service is deemed to be activated when said service provision arrangement changes the state of a service activation indicator in a prestored table of said service provision arrangement, after the authenticated first code is found in correspondence with said service activation indicator in a predetermined state.

14. A method according to claim 1, wherein said prepaid card is a material virtual prepaid card in which said first code is prestored and said second code is stored on paying for said card.

15. A method of activating a service using a prepaid card in a service provision arrangement from a user terminal arrangement, a first code necessary to use the service being associated with the card and stored in the service provision arrangement prior to payment for the card, which method comprises the steps of:

delivering a second code associated with said card on paying for said card,

authenticating arrangement one of said first code and second code,

authenticating the other of said first code and second code when said one code has been authenticated, and

activating said service in said service provision arrangement at least in response to the authenticated first code after said other code has been authenticated,

said service being deemed to be activated when said service provision arrangement deletes a service identifier, which is at least a portion part of the authenticated second code, in a prestored table of the service provision arrangement, after the authenticated first code is found in correspondence with said service identifier.

16. A method of activating a service using a prepaid card in a service provision arrangement from a user terminal arrangement, a first code necessary to use the service being associated with the card and stored in the service provision arrangement prior to payment for the card, which method comprises the step of:

delivering a second code associated with said card on payment for said card,

authenticating arrangement one of said first code and second code,

authenticating the other of said first code and second code when said one code has been authenticated, and

activating said service in said service provision arrangement at least in response to the authenticated first code after said other code has been authenticated,

deleting said other code in said authentication arrangement

said service being deemed to be activated when said service provision arrangement changes the state of a service activation indicator in a prestored table of service provision arrangement, after the authenticated first code is found in correspondence with said service activation indicator in a predetermined state.