Electronic Payment System for Providing Regular Payment Services for Pre-Paid Mobile Phones
First Claim
1. A mobile telecommunication network having a billing module with a regular payment service module associated therewith and being adapted to enable a mobile device user to avail of regular subscription-based payment services for their mobile device, the mobile device user being a pre-paid subscriber to the network, the network including:
- a) means for receiving a request for a top-up from the user,b) means for determining whether the request is received from a user who is a subscriber to the regular payment service module,c) on determining that the user is a subscriber to the regular payment service module, means for determining a correct tariff for the user, andd) means for decrementing the correct tariff from the top-up request at the time of top-up request and to route the remaining portion of the top-up request to the billing module, and wherein the means for determining a correct tariff for the user effects a determination of the correct tariff based on the historical network usage by the user by continuously calculating the tariff to be charged based on usage based incremental data such that on receiving a request for a top-up the appropriate tariff has already been calculated and may be deducted from the request.
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Accused Products
Abstract
The invention relates to a mobile telecommunication network and specifically a network adapted to provide a pattern identifier and risk analysis system and methodology to enable users of mobile devices within the network to avail of regular payment services such as insurance for their devices. A preferred embodiment of providing a pre-paid subscriber with the facility to avail of insurance is provided.
80 Citations
27 Claims
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1. A mobile telecommunication network having a billing module with a regular payment service module associated therewith and being adapted to enable a mobile device user to avail of regular subscription-based payment services for their mobile device, the mobile device user being a pre-paid subscriber to the network, the network including:
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a) means for receiving a request for a top-up from the user, b) means for determining whether the request is received from a user who is a subscriber to the regular payment service module, c) on determining that the user is a subscriber to the regular payment service module, means for determining a correct tariff for the user, and d) means for decrementing the correct tariff from the top-up request at the time of top-up request and to route the remaining portion of the top-up request to the billing module, and wherein the means for determining a correct tariff for the user effects a determination of the correct tariff based on the historical network usage by the user by continuously calculating the tariff to be charged based on usage based incremental data such that on receiving a request for a top-up the appropriate tariff has already been calculated and may be deducted from the request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A computer implemented method of providing mobile device insurance to a pre-paid subscriber to a mobile network, the method including the steps of:
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a) establishing on the network a database of subscribers to insurance, b) monitoring requests for top-ups from subscribers to the network, c) establishing whether the requests for top-ups are received from subscribers to insurance, d) determining a correct tariff for insurance for a subscribed user by continuously monitoring incremental data based on user activity within the network such that at the time of receiving a request for a top-up, the correct tariff for a user has already been calculated, e) decrementing the top-up request by the correct tariff, and f) balancing the remainder of the top-up request to an existing telecommunication account for that user. - View Dependent Claims (24, 25, 26, 27)
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Specification