Systems and methods for account establishment and transaction management using interrupt messaging
DCFirst Claim
Patent Images
1. A method, comprising:
- receiving a request related to a transaction attempt, the transaction attempt associated with an originating party, an end party, and a requested service;
determining if at least one charge rendering alternative is suitable for charging at least one party for the requested service;
performing at least one transaction interrupt to attempt to implement a suitable charge rendering alternative if no suitable charge rendering alternative has been implemented;
implementing a suitable charge rendering alternative for both the purpose of providing the requested service during the transaction attempt and the purpose of providing future requested services associated with at least one of said originating party and said end party; and
providing the requested service associated with the transaction attempt after the suitable charge rendering alternative is implemented.
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Abstract
Disclosed are systems and methods which provide techniques providing account setup, management and transaction authorization determinations in real-time using transaction interrupt messaging. Embodiments preferably take into consideration the quality of one or more parties to the transaction and the means by which charges may be rendered to them when making account setup, management, and/or transaction authorization determinations. Accordingly, transactions, such as collect calls, meeting at least some minimal risk threshold may be completed on a first call attempt, even where a pre-arranged billing agreement or other business relationship is not previously in place.
133 Citations
51 Claims
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1. A method, comprising:
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receiving a request related to a transaction attempt, the transaction attempt associated with an originating party, an end party, and a requested service; determining if at least one charge rendering alternative is suitable for charging at least one party for the requested service; performing at least one transaction interrupt to attempt to implement a suitable charge rendering alternative if no suitable charge rendering alternative has been implemented; implementing a suitable charge rendering alternative for both the purpose of providing the requested service during the transaction attempt and the purpose of providing future requested services associated with at least one of said originating party and said end party; and providing the requested service associated with the transaction attempt after the suitable charge rendering alternative is implemented. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 47, 48)
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16. A system, comprising:
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a transaction processor receiving a request related to a communication attempt from an originating party, the communication attempt associated with an end party and a requested service; and a transaction validation engine operable to determine if at least one of a plurality of charge rendering alternatives is suitable for charging at least one party for the requested service, and perform at least one transaction interrupt to implement a suitable one of the charge rendering alternatives if none of the charge rendering alternatives has been implemented; wherein the transaction processor implements a suitable one of the charge rendering alternatives for the communication attempt and future communication attempts and provides the requested service associated with the communication attempt after the suitable charge rendering alternative is implemented. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 49)
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25. A transaction validation engine, comprising:
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one or more billing system for implementing a plurality of charge rendering alternatives; a plurality of filters used in determining if at least one of the plurality of charge rendering alternatives is suitable for charging at least one of a plurality of parties for a requested service; and at least one interrupt unit establishing at least one account in the one or more billing system if none of the charge rendering alternatives has been implemented with respect to the at least one of the plurality of parties, the at least one account associated with one or more of the plurality of parties. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 50)
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37. A method, comprising:
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receiving a request related to a communication attempt, the communication attempt associated with an originating party, an end party, and a requested service; determining if at least one of a plurality of charge rendering alternatives is suitable for charging at least one party for the requested service; performing at least one transaction interrupt to implement a suitable one of the charge rendering alternatives if a default one of the charge rendering alternatives is not suitable for implementation; implementing a suitable charge rendering alternative for both the purpose of providing the requested service during the communication attempt and the purpose of providing services in response to future communication attempts; and providing the requested service associated with the communication attempt after the suitable charge rendering alternative is implemented. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45, 46, 51)
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Specification