Destination device billing according to call recipient

• US 9,769,324 B2
• Filed: 02/23/2016
• Issued: 09/19/2017
• 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:
  US15/051,638
• Publication Number:
  US 20160173699A1
• Time in Patent Office: 574 Days
• Field of Search: 37911401, 37911403, 37911421
• 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 financial service, a first authenticated identifier for a first user from a destination device, associated with the first user, during a data transmission between the destination device and at an origin device associated with a second user;

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

retrieving financial information for the second user according to the second authenticated identifier;

authenticating an identity of the first user using the first authenticated identifier through an authentication service in communication with the financial service;

accessing financial information for the first user using the first authenticated identifier;

receiving, during the data transmission, a fund transfer request for a fund transfer between the first user and the second user;

accessing an order placed by the first user, wherein an amount of the funds transfer corresponds to a payment for the order; and

processing the fund transfer request using the financial information for the first user.

2. The method of claim 1, further comprising:

automatically filling in an order form with the financial information for the first user for the fund transfer request based on the order.

3. The method of claim 2, further comprising:

transmitting the order form to the destination device, wherein the order is operable to be completed by a single authorization entry at the destination device to authorize the financial service to access and use the financial information for the first user with the first authenticated identifier.

4. The method of claim 1, further comprising:

accessing, by the financial service, the financial information for the first user with the first authenticated identifier to process the payment based on the financial information for the first user and the first authenticated identifier.

5. The method of claim 1, further comprising:

receiving a request by the first user at the destination device to initiate the fund transfer request, where the financial service identifies an account provider for the second user;

prompting the first user at the destination device to enter an amount for the fund transfer request and a first account of the first user; and

processing the amount to the account provider using the first account and the first authenticated identifier.

6. The method of claim 1, further comprising:

receiving a request by the first user at the destination device to initiate the order;

prompting the first user at the destination device to enter an amount for the order and a first account, of the first user, at the financial information for the first user; and

prompting the second user at the origin device to select a second account, from wherein processing the fund transfer comprises processing the amount from the first account to the second account.

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

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

9. The method of claim 7, wherein the financial service authenticates the identity of the first user using the biophysical identifier.

10. A financial service system, comprising:

a non-transitory memory storing instructions;

one or more hardware processors coupled to the non-transitory memory and configured to execute the instructions to cause the financial service system to perform operations comprising;

receiving a first authenticated identifier for a first user from a destination device, associated with the first user, during a data transmission between the destination device and an origin device associated with the second user;

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

retrieving financial information for the second user according to the second authenticated identifier;

authenticating an identity of the first user using the first authenticated identifier through an authentication service in communication with the financial service system;

accessing financial information for the first user using the first authenticated identifier;

receiving, during the data transmission, a fund transfer request for a fund transfer between the first user and the second user;

accessing an order placed by the first user, wherein an amount of the funds transfer corresponds to a payment for the order; and

processing the fund transfer request using the financial information for the first user.

11. The financial service system of claim 10, wherein the operations further comprise:

automatically filling in an order form with the financial information for the first user for the fund transfer request based on the order.

12. The financial service system of claim 11, wherein the operations further comprise:

transmitting the order form the destination device, wherein the order is operable to be completed by a single authorization entry at the destination device to authorize the financial service system to access and use the financial information for the first user with the first authenticated identifier.

13. The financial service system of claim 10, wherein the operations further comprise:

accessing, by the financial service system, the financial information for the first user with the first authenticated identifier to process the payment based on the financial information for the first user and the first authenticated identifier.

14. The financial service system of claim 10, wherein the operations further comprise:

receiving a request by the first user at the destination device to initiate the fund transfer request, where the financial service system identifies an account provider for the second user;

prompting the first user at the destination device to enter an amount for the fund transfer request and a first account of the first user; and

processing the amount to the account provider using the first account and the first authenticated identifier.

15. The financial service system of claim 10, wherein the operations further comprise:

receiving a request by the first user at the destination device to initiate the order;

prompting the first user at the destination device to enter an amount for the order and a first account at the financial information for the first user; and

prompting the second user at the origin device to select a second account wherein processing the fund transfer comprises processing the amount from the first account to the second account.

16. The financial service system of claim 10, wherein the first authenticated identifier comprises a biophysical identifier.

17. The financial service system of claim 16, wherein the biophysical identifier provided by the first user comprises one of a voice identifier, an eye scan, and a fingerprint of the first user.

18. The financial service system of claim 16, wherein the financial service system authenticates the identity of the first user using the biophysical identifier.

19. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause performance of operations comprising:

receiving, by a financial service, a first authenticated identifier for a first user from a destination device, associated with the first user, during a data transmission between the destination device and an origin device associated with a second user;

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

retrieving financial information for the second user according to the second authenticated identifier;

authenticating an identity of the first user using the first authenticated identifier through an authentication service in communication with the financial service;

accessing financial information for the first user using the first authenticated identifier;

receiving, during the data transmission, a fund transfer request for a fund transfer between the first user and the second user;

accessing an order placed by the first user, wherein an amount of the funds transfer corresponds to a payment for the order; and

processing the fund transfer request using the financial information for the first user.

20. The non-transitory machine-readable medium of claim 19, wherein the first authenticated identifier comprises a biophysical identifier.