Method and apparatus for managing debit card/prepaid card...

Details Method and apparatus for managing debit card/prepaid card... Method and apparatus for managing debit card/prepaid card...

H - Electricity

04

M

H04M 15/00 (2006.01) H04M 15/02 (2006.01) H04M 17/00 (2006.01) H04M 17/02 (2006.01)

Patent

CA 2310152

A Debit Card and Prepaid card Servicing (DPCS) function manages debit card/prepaid card services. The DPCS function is implemented in Signal Switching Points (SSPs) and a Service Control Points (SCP) in the telephone network. A subscriber initiates a debit card/prepaid card transaction via a switch by dialing a telephone number corresponding to the service provider. The switch routes a message to the SCP and provides pertinent debit card/prepaid card information to the SCP. Based upon a remaining value of the debit card/prepaid card, the SCP generates a timeout timer value. The SCP then sends a message to the switch authorizing the switch to route the call, the message including the timeout timer value. If the switch successfully completes the call, it sets a timer corresponding to the timeout timer value. If the timer expires, the switch sends a message to the SCP, which includes the call duration. The SCP deducts the value of the call (based upon the call duration) from the debit card/prepaid card and then may direct the switch to disconnect or continue the call (with additional payment). When the call is disconnected prior to timer expiration, the switch reports the duration of the call to the SCP and the SCP deducts the value of the call from the debit card/prepaid card.

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