Destination device billing according to call recipient

• US 9,270,832 B2
• Filed: 12/02/2014
• Issued: 02/23/2016
• Est. Priority Date: 12/17/2001
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Brown, Michael Wayne, McIntyre, Joseph Herbert, Paolini, Michael A., Weaver, James Mark, Winters, Scott Lee
• Primary Examiner(s): TRAN, QUOC DUC
• Application Number:
  US14/558,426
• Publication Number:
  US 20150131789A1
• Time in Patent Office: 448 Days
• Field of Search: 379/114.01, 379/114.05, 37911421-11423, 379/127.05, 455405-408
• US Class Current: 1/1
• CPC Class Codes: C09K 2208/26 Gel breakers other than bacteria or enzymes
• CPC Class Codes: C09K 2208/30 Viscoelastic surfactants [VES]
• CPC Class Codes: C09K 8/68 containing organic compounds
• CPC Class Codes: H04M 15/08 Metering calls to called party , i.e. B-party charged for the communication
• CPC Class Codes: H04M 15/48 Secure or trusted billing, e.g. trusted elements or encryption
• CPC Class Codes: H04M 15/73 Validating charges
• CPC Class Codes: H04M 15/765 Linked or grouped accounts, e.g. of users or devices
• CPC Class Codes: H04M 15/77 involving multiple accounts per user
• CPC Class Codes: H04M 15/80 Rating or billing plans; Tariff determination aspects
• CPC Class Codes: H04M 15/90 using Intelligent Networks [IN] or Advanced Intelligent Networks [AIN]
• CPC Class Codes: H04M 2203/1058 Shopping and product ordering
• CPC Class Codes: H04M 2203/6009 Personal information, e.g. profiles or personal directories being only provided to authorised persons
• CPC Class Codes: H04M 2203/6045 Identity confirmation
• CPC Class Codes: H04M 2203/6054 Biometric subscriber identification
• 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 2215/0156 Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
• CPC Class Codes: H04M 2215/016 Billing using Intelligent Networks [IN] or Advanced Intelligent Networks [AIN]
• CPC Class Codes: H04M 2215/0168 On line or real-time flexible customization or negotiation according to wishes of subscriber
• CPC Class Codes: H04M 2215/68 Billing calls completely to the calling party, except POTS, e.g. charge on caller's choice service
• CPC Class Codes: H04M 2215/7072 Validate charges
• CPC Class Codes: H04M 2215/724 : Linked accounts
• CPC Class Codes: H04M 2215/7254 : Multiple accounts per user
• CPC Class Codes: H04M 3/382 : using authorisation codes or passwords
• CPC Class Codes: H04M 3/4211 : where the identifier is used to access a profile

Abstract

A method, system, and program for billing for service provided to destination device according to the calling plan of the individual receiving the call. An authenticated identity for a callee answering a call placed to a destination device is received at an intermediary device. The intermediary device then accesses a billing plan for the authenticated identity of the callee and loads the billing plan for specifying charges for the call, such that telephone service billed to the callee is accessible at multiple destination devices.

Claims

1. A method comprising:

receiving, by a billing service communicatively connected through a data network to a destination device for a first subscriber, a biometric sampling comprising a first subscriber authenticated identifier for the first subscriber from the destination device during a data signal transmission between the first subscriber and a second subscriber, wherein the first subscriber authenticated identifier authenticates an identity of the first subscriber with an authentication service communicatively connected with the data network;

accessing, by the billing service, billing specifications for the first subscriber using the first subscriber authenticated identifier;

accessing, by the billing service, a payment request for a sale by the second subscriber to the first subscriber; and

processing, by the billing service, a payment for the payment request from the first subscriber to the second subscriber using the billing specifications.

2. The method according to claim 1, further comprising:

automatically filling in an order form with the billing specifications for an order placed by the first subscriber, wherein the billing specifications specify at least one billing provider for fulfilling the payment for the order from the first subscriber to the second subscriber.

3. The method according to claim 2, further comprising:

transmitting the order form to the first subscriber at the destination device, wherein the first subscriber is able to complete the order by a single authorization entry at the destination device to authorize the billing service to access the at least one billing provider with the authenticated identifier.

4. The method according to claim 2, further comprising:

accessing, by the billing service, the at least one billing provider with the first subscriber authenticated identifier to request the payment for the order from the at least one billing provider according to the first subscriber authenticated identifier and not according to account numbers.

5. The method according to claim 2, further comprising:

receiving a request by the first subscriber at the destination device to initiate the order to shift financial funds from the first subscriber to the second subscriber, where the billing service identifies an account provider for the second subscriber;

prompting the first subscriber at the destination device to enter an amount to transfer and to select a particular billing provider from among the at least one billing provider specified in the billing specifications for the first subscriber according to the authenticated identifier for the first subscriber; and

requesting a financial transaction from the particular billing provider for the amount to the account provider for the second subscriber according to the authenticated identifier for the first subscriber.

6. The method according to claim 2, further comprising:

receiving a request by the first subscriber at the destination device to initiate the order to shift financial funds from the first subscriber to the second subscriber;

capturing the authenticated identifier for the first subscriber and a second authenticated identifier for the second subscriber;

retrieving caller billing specification for the second subscriber according to the second authenticated identifier for the second subscriber;

prompting the first subscriber at the destination device to enter an amount to transfer and to select a particular billing provider from among the at least one billing provider specified in the billing specifications for the first subscriber according to the authenticated identifier for the first subscriber;

prompting the second subscriber at an origin device to select a particular second subscriber account provider from among at least one account provider specified in the second subscriber billing specifications; and

requesting a financial transaction from the particular billing provider for the amount to the particular account provider for the second subscriber according to the authenticated identifier for the first subscriber.

7. The method of claim 1, wherein the first subscriber authenticated identifier comprises a biophysical identifier.

8. The method of claim 7, wherein the biometric sampling provided by the first subscriber comprises one of a voice identifier, an eye scan, and a fingerprint.

9. The method of claim 7, wherein the billing service and a third party authenticates the identity of the first subscriber using the biophysical identifier.

10. A system comprising:

a non-transitory memory storing subscriber authentication information comprising a first subscriber authenticated identifier; and

at least one hardware processors in communication with the non-transitory memory and configured to;

receive, by a billing service communicatively connected through a data network to a destination device for a first subscriber, a biometric input comprising the first subscriber authenticated identifier for the first subscriber from the destination device during a data signal transmission between the first subscriber and a second subscriber, wherein the first subscriber authenticated identifier authenticates an identity of the first subscriber with an authentication service communicatively connected with the data network;

access, by the billing service, billing specifications for the first subscriber using the first subscriber authenticated identifier;

access, by the billing service, a payment request for a sale by the second subscriber to the first subscriber; and

process, by the billing service, a payment for the payment request from the first subscriber to the second subscriber using the billing specifications.

11. The system of claim 10, wherein the at least one hardware processors is further configured to:

automatically fill in an order form with the billing specifications for an order placed by the first subscriber, wherein the billing specifications specify at least one billing provider for fulfilling the payment for the order from the first subscriber to the second subscriber.

12. The system of claim 11, wherein the at least one hardware processors is further configured to:

transmit the order form to the first subscriber at the destination device, wherein the first subscriber is able to complete the order by a single authorization entry at the destination device to authorize the billing service to access the at least one billing provider with the authenticated identifier.

13. The system of claim 11, wherein the at least one hardware processors is further configured to:

access, by the billing service, the at least one billing provider with the first subscriber authenticated identifier to request the payment for the order from the at least one billing provider according to the first subscriber authenticated identifier and not according to account numbers.

14. The system of claim 10, wherein the first subscriber authenticated identifier comprises a biophysical identifier.

15. The system of claim 14, wherein the biometric input provided by the first subscriber comprises one of a voice identifier, an eye scan, and a fingerprint.

16. The system of claim 14, wherein the billing service and a third party authenticates the identity of the first subscriber using the biophysical identifier.

17. A non-transitory computer readable medium comprising a plurality of machine-executable modules which when executed by at least one processors of a server are adapted to cause the server to perform a method comprising:

receiving, by a billing service communicatively connected through a data network to a destination device for a first subscriber, a biometric input comprising a first subscriber authenticated identifier for the first subscriber from the destination device during a data signal transmission between the first subscriber and a second subscriber, wherein the first subscriber authenticated identifier authenticates an identity of the first subscriber with an authentication service communicatively connected with the data network;

accessing, by the billing service, billing specifications for the first subscriber using the first subscriber authenticated identifier;

accessing, by the billing service, a payment request for a sale by the second subscriber to the first subscriber; and

processing, by the billing service, a payment for the payment request from the first subscriber to the second subscriber using the billing specifications.

18. The non-transitory computer readable medium of claim 17, wherein the first subscriber authenticated identifier comprises a biophysical identifier.

19. The non-transitory computer readable medium of claim 18, wherein the biometric input provided by the first subscriber comprises one of a voice identifier, an eye scan, and a fingerprint.

20. The non-transitory computer readable medium of claim 18, wherein the billing service and a third party authenticates the identity of the first subscriber using the biophysical identifier.