Secured pre-payment for portable communication unit

CAFC
  • US 10,057,432 B1
  • Filed: 11/06/2017
  • Issued: 08/21/2018
  • Est. Priority Date: 04/27/2000
  • Status: Expired due to Term
First Claim
Patent Images

1. A method of prepayment for service on a telecommunications system using a portable communication unit (PCU), the method comprising:

  • receiving a prepayment from a customer at a dealer for service on a telecommunications system using a first telecommunication channel;

    receiving transaction order information at a prepaid management center (PMC) from a dealer about the prepayment by the customer to the dealer, the PMC receiving the transaction order information using a second telecommunication channel;

    providing a bank the transaction order information using a third telecommunication channel and the PMC;

    notifying the dealer using the third telecommunication channel if insufficient funds are determined to be in a dealer account at the bank and providing the dealer an opportunity to replenish the dealer account;

    if sufficient funds are determined to be in the dealer account, automatically transferring the amount of the transaction from the dealer account to a secure payment system (SPS) account using a fourth telecommunication channel, less a dealer'"'"'s fee for the transaction;

    after funds have been transferred from the dealer account to the SPS account, notifying the PMC of the transfer using a fifth telecommunication channel in response to the funds transfer into the SPS account;

    in response to the funds transfer into the SPS account, generating codes using the PMC to enable the PCU to provide the service on the telecommunication system;

    transferring the codes to the customer using the first telecommunication channel for entry into the PCU by the customer;

    processing the codes using the PCU; and

    providing the service on the telecommunication system using the result of processing the codes by the PCU.

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