Enhanced communication platform and related communication method using the platform
First Claim
1. At least one non-transitory computer readable medium encoded with processing instructions performed by at least one computer to perform a method of providing from a platform pre-authorized communication services and transactions using a communication network, including at least networks of different types which are external to the platform, user devices communicating with the platform via the communication network, the method comprising:
- accepting and processing, by the platform, a request from a user to provide at least one of a communication service, a transaction or user account information via one of the external networks;
verifying at the platform that the user is authorized to receive the at least one of the communication service, the transaction, or the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service or the transaction; and
charging, on a real-time basis, transactions at the platform, an authorized account associated with the user, while the platform controls an element of a corresponding one of the external networks to provide at least one of the communication service or the transaction as provided by any one of a plurality of different service and transaction providers.
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0 Petitions
Accused Products
Abstract
Pre-authorized communication services and/or transactions are provided via a plurality of networks in response to a request received from a user to provide at least one of a communication service, a transaction and user account information via a plurality of networks of different types. Prior to processing the request, there is verification of the users authorization to receive the at least one of the communication service, the transaction, and the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service and the transaction. After verification, an authorized account associated with the user is charged in real time as the at least one of the communication service and the transaction is provided.
146 Citations
28 Claims
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1. At least one non-transitory computer readable medium encoded with processing instructions performed by at least one computer to perform a method of providing from a platform pre-authorized communication services and transactions using a communication network, including at least networks of different types which are external to the platform, user devices communicating with the platform via the communication network, the method comprising:
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accepting and processing, by the platform, a request from a user to provide at least one of a communication service, a transaction or user account information via one of the external networks; verifying at the platform that the user is authorized to receive the at least one of the communication service, the transaction, or the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service or the transaction; and charging, on a real-time basis, transactions at the platform, an authorized account associated with the user, while the platform controls an element of a corresponding one of the external networks to provide at least one of the communication service or the transaction as provided by any one of a plurality of different service and transaction providers. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A non-transitory computer readable medium encoded with processing instructions performed by at least one computer to provide a method of providing pre-authorized communication services and transactions using a communication network, including at least one switch, and external networks of different types and which are external to a platform, user devices communicating with the platform via the communication network, the method comprising:
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accepting, at the platform, a request from a user via a corresponding one of the external networks, the request requesting at least one of a communication service or a transaction; verifying, by the platform, that the user is authorized to receive the at least one of the communication service or the transaction, and that an account associated with the user has a sufficient value available for payment; and charging in real time at the platform outside of the external networks, using rating engines that dynamically calculate charges, an account associated with the user while the platform controls an element of a corresponding one of the external networks from the platform to provide by any one of a plurality of different service and transaction providers the at least one of the communication service or the transaction and authorizing the transaction if the accepting and verifying is successful. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A user communication device communicating with a platform outside of and connected to a communication network, including at least one switch, and external networks of different types, comprising:
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an input unit that receives a request from a user identifying at least one of a communication service, a transaction or user account information; and a transmitter that transmits the request to the platform via one of the external networks or the communication network for verification that the user is authorized to receive the identified at least one of the communication service, the transaction or the user account information via one of the external networks, and that an account associated with the user has a sufficient amount currently available for payment of the identified at least one of the communication service or the transaction, and for control of an element of one of the external networks from the platform such that at least one of different service and transaction providers at least one of authorizes the identified transaction or provides at least one of the identified communication service or the identified user account information, while the authorized account associated with the user is charged by the platform in real time in response to verification of the request. - View Dependent Claims (20, 21, 22, 23, 24)
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25. A method of crediting a pre-authorized account of a user, comprising:
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sending a notification to the user at a transceiver that the pre-authorized account needs additional credit; receiving a response message from the user sent from the transceiver and including a number associated with the user; sending a request from a first platform to a second platform, connected together and to external networks of different types, to obtain the additional credit from another account associated with the user and maintained by the second platform; and receiving the additional credit obtained from a transaction debiting the other account and adding the additional credit to the pre-authorized account maintained by another platform different than and connected to the second platform via one of the external networks of different types, to supply funds used to pay for at least one communication service or transaction, provided or consummated respectively via at least one of the networks of different types which are connected to the first and second platforms. - View Dependent Claims (26, 27, 28)
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Specification