Network support for credit card notification

• US 7,343,149 B2
• Filed: 06/13/2005
• Issued: 03/11/2008
• Est. Priority Date: 06/13/2005
• Status: Expired due to Fees

• Current Assignee: Lucent Technologies, Inc. (Nokia Corporation)
• Original Assignee: Lucent Technologies, Inc. (Nokia Corporation)
• Inventors: Benco, David S., Mahajan, Sanjeev, Sheen, Baoling S., True, Sandra L.
• Primary Examiner(s): Nguyen; David Q.
• Application Number:
  US11/151,674
• Publication Number:
  US 20060281439A1
• Time in Patent Office: 1,002 Days
• Field of Search: 455/406, 455/411, 213/701, 235/380, 235/329, 205/40, 205/35, 205/14
• US Class Current: 455/406
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An apparatus in one example has: a network service provider; a mobile terminal operatively coupled to the network service provider; a credit card company system operatively coupled to the network service provider; and the network service provider structured such that, when the credit card company system notifies the network service provider of charges to credit cards associated with the mobile terminal, the network service provider notifies the mobile terminal of such charges.

Claims

1. An apparatus, comprising:

a network service provider;

a mobile terminal operatively coupled to the network service provider;

a credit card company system operatively coupled to the network service provider; and

the network service provider structured such that, when the credit card company system notifies the network service provider of charges to credit cards associated with the mobile terminal, the network service provider notifies the mobile terminal of such charges, wherein the network service provider is also structured such that upon detecting a credit card charge the network service provider determines if a credit card account holder associated with the credit card charge is a charge notification service subscriber, and takes no action if the credit card account holder associate with the credit card charge is not a charge notification service subscriber, the network service provider storing credit card data regarding the charge to the credit card.

2. The apparatus according to claim 1, wherein when the network service provider notifies the mobile terminal of charges, the network service provider sends credit card data to the mobile terminal, and wherein the credit card data comprises at least charge time and date, amount of the charge, and business establishment where charge was made.

3. The apparatus according to claim 1, wherein the mobile terminal is a cell phone.

4. The apparatus according to claim 1, wherein the mobile terminal is a cell phone, and wherein the network service provider sends credit card data indicative of the charges to the cell phone via one of voice or SMS (short message service).

5. The apparatus according to claim 1, wherein the network service provider has a mobile switching center that has a subscriber database and a charge notification database.

6. The apparatus according to claim 5, wherein credit card company system has a bank ATM database and a credit card company database.

7. The apparatus according to claim 5, wherein the credit card company system securely interfaces with the mobile switching center.

8. A method, comprising:

informing, by a charge notification service subscriber (credit curd account holder), a network service provider of at least one subscriber'"'"'s credit card company and at least one subscriber'"'"'s credit card number that is to be tracked;

informing, by the network service provider, the credit card company that the credit card account holder desires to receive charge notification on a mobile terminal of the subscriber;

detecting a credit card charge;

determining if a credit card account holder associated with the credit card charge is a charge notification service subscriber;

taking no action if the credit card account holder associated with the credit card charge is not a charge notification service subscriber;

notifying, by the credit card company when the credit card account holder associated with the credit card charge is a charge notification service subscriber, the network service provider of the charge to the credit card and sending credit card data regarding the charge to the credit card to the network service provider;

the network service provider stores credit card data regarding the charge to the credit card; and

the network service provider provides the credit card data regarding the charge to the credit card account holder.

9. The method according to claim 8, wherein the charge notification service subscriber informs the network service provider of a plurality of credit card companies and credit card numbers that are to be tracked.

10. The method according to claim 8, wherein, the credit card company notifies the network service provider of each charge to the credit card and sends credit card data regarding the charge to the credit card to the network service provider every time a charge is made to the credit card.

11. The method according to claim 8, wherein the charge notification service subscriber communicates with the network service provider over a secure interface.

12. The method according to claim 8, wherein the network service provider sends the credit card data to a mobile terminal of the credit card account holder via one of voice or SMS (short message service).

13. The method according to claim 12, wherein the mobile terminal is a cell phone.

14. The method according to claim 8, wherein charge notification is provided to the subscriber on one of a subscription basis and a per use basis.