Methods for providing overdraft protection for post-paid communication service plans

• US 7,650,138 B1
• Filed: 07/07/2004
• Issued: 01/19/2010
• Est. Priority Date: 01/09/2004
• Status: Expired due to Fees

• Current Assignee: Cingular Wireless II LLC (AT&T, Inc.)
• Original Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Inventors: Henry, Coulter C. Jr., Hines, Andrew Lamont Jr., Lazaro, Francis Richard Jr., Johnson, Derek Ekow-Badu
• Primary Examiner(s): Harper; Vincent P
• Assistant Examiner(s): NGUYEN, KHAI MINH
• Application Number:
  US10/886,232
• Time in Patent Office: 2,022 Days
• Field of Search: 455/406, 455/407, 455/408, 455/409, 455/404.1, 455/411, 379/114.16, 379/114.15, 379/114.2
• US Class Current: 455/408
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 50/188 Electronic negotiation
• CPC Class Codes: H04L 12/14 Charging , metering or billing arrangements for data wireline or wireless communications
• CPC Class Codes: H04L 12/1457 using an account
• CPC Class Codes: H04L 12/1467 involving prepayment
• 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 15/44 Augmented, consolidated or itemized billing statement or bill presentation
• CPC Class Codes: H04M 15/80 Rating or billing plans; Tariff determination aspects
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/851 Determined tariff
• CPC Class Codes: H04M 15/852 Low balance or limit reached
• CPC Class Codes: H04M 15/854 Available credit
• CPC Class Codes: H04M 15/857 Cumulative charges
• CPC Class Codes: H04M 15/882 for continuing the call beyond the limit using an alternative, e.g. alternative account
• CPC Class Codes: H04M 17/00 Prepayment of wireline communication systems, wireless communication systems or telephone systems using a coded card to authorise calls from a telephone set H04M1/675
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/10 Account details or usage
• CPC Class Codes: H04M 2215/0104 Augmented, consolidated or itemised billing statement, e.g. additional billing information, bill presentation, layout, format, e-mail, fax, printout, itemised bill per service or per account, cumulative billing, consolidated billing
• CPC Class Codes: H04M 2215/0124 Continue alternative, i.e. alternative account to continue use
• CPC Class Codes: H04M 2215/0152 General billing plans, rate plans, e.g. charge rates, numbering plans, rate centers, customer accounts
• CPC Class Codes: H04M 2215/146 : Data billing, e.g. wherein the user is charged based only on the time he receives data
• CPC Class Codes: H04M 2215/7806 : Time based
• CPC Class Codes: H04M 2215/815 : Notification when a specific condition, service or event is met
• CPC Class Codes: H04M 2215/8158 : Low balance or limit reached
• CPC Class Codes: H04M 2215/8166 : Available credit
• CPC Class Codes: H04M 2215/8179 : Cumulative charges
• CPC Class Codes: H04W 4/24 : Accounting or billing

Abstract

Methods for adding data blocks to a data subscription plan period. The methods include determining whether a threshold number of data blocks have been reached during the data subscription plan period; and incrementally adding data blocks to the data subscription plan when the threshold number of data blocks has been reached. The cost per data block of the added data blocks is less than the high-cost per data block rate normally associated with exceeding the threshold number of data blocks during the data subscription plan period.

Claims

1. A method for implementing a service plan, the method comprising:

defining, via a billing system server, a data plan account comprising a plurality of data plan periods, each having a predetermined number of data blocks;

defining, via the billing system server, an overdraft protection plan that adds overdraft data blocks to the data plan account;

the billing system server determining whether the predetermined number of data blocks has been reached during one of the plurality of data plan periods;

the billing system server selecting between borrowing data blocks from a future data plan period and charging the data plan account for additional overdraft data blocks, a cost per overdraft data block being less than a cost per data block normally associated with exceeding the predetermined number of data blocks during the data plan period; and

the billing system server adding data blocks to the data plan when the predetermined number of data blocks has been reached.

2. The method of claim 1, further comprising the step of the billing system server determining whether the data plan account is subscribed to the overdraft protection plan by electronically querying an overdraft protection server, the overdraft protection server being configured to store account identifiers for accounts subscribed to the overdraft protection plan.

3. The method of claim 1, wherein the adding step is performed by the billing system server automatically when the predetermined number of data blocks has been reached.

4. The method of claim 1, further comprising the step of sending a message from the billing system server to a user communication device to determine whether the user wishes to purchase additional data blocks, the billing system server being configured to receive a response from the user communication device and the adding step being performed responsive to receiving a positive response from the user.

5. The method of claim 1, wherein the billing system server adding data blocks to the data plan when the predetermined number of data blocks has been reached comprises the billing system server deducting the additional data blocks from a second set of data blocks associated with a second data plan period and adding the additional data blocks to the data plan.

6. The method of claim 1, wherein defining, via the billing system server, the data plan account comprising the plurality of data plan periods comprises defining, via the billing system server, the data plan account for use with a plurality of devices.

7. The method of claim 1, further comprising:

sending a notification from the billing system server to a user communication device indicating that additional data blocks have been added.

8. An overdraft protection system for implementing an overdraft protection plan for a data plan account for a post paid data plan that defines an allocation of data blocks in a communication network, the overdraft protection system comprising:

a billing system server comprising;

a processor; and

a computer readable memory;

the billing system server being configured to;

define a data plan account comprising a plurality of data plan periods, each having a predetermined number of data blocks;

define the overdraft protection plan that adds overdraft data blocks to the data plan account;

monitor data block usage on the data plan account;

determine whether the predetermined number of data blocks has been reached during a predefined data plan period associated with the data plan account;

determine whether the data plan account is subscribed to the overdraft protection plan;

select between borrowing data blocks from a future data plan period and charging the data plan account for additional overdraft data blocks if the data plan account is subscribed to the overdraft protection plan;

add data blocks to the allocation defined by the data plan if the predetermined number of data blocks has been reached; and

modify the data plan account to indicate the added data blocks.

9. The system of claim 8, wherein the overdraft protection plan defines a cost per data block for data blocks added beyond the predetermined number of data blocks.

10. The system of claim 8, wherein the amount charged per data block for the added data blocks is less than the cost per data block associated with exceeding the allocation of data blocks if the data plan account is not subscribed to the overdraft protection plan.

11. The system of claim 8, wherein the billing system server is configured to add data blocks to the data plan account automatically when the predetermined number of data blocks has been reached and the account is subscribed to the overdraft protection plan.

12. The system of claim 8, wherein the billing system is further configured to:

request instructions from a user of the account via the communication network to determine whether the user wishes to add data blocks to the data plan account;

receive a response from the user indicating whether additional data blocks are to be added; and

add data blocks only if a positive response is received.

13. The system of claim 8, further comprising:

an overdraft protection server configured to store account identifiers for accounts that are subscribed to the overdraft protection plan, where the billing system server determines whether the account is subscribed to the overdraft protection plan by querying the overdraft protection server.