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1. 发明授权

US5487107A Method and apparatus for processing telephone calls charged to credit cards 失效
标题翻译：用于处理向信用卡充值的电话的方法和装置
公开(公告)号：US5487107A
公开(公告)日：1996-01-23
申请号：US195414
申请日：1994-02-14
申请人： Jean Atkins , Richard M. Harris , Julie M. Ladieu-Walton , David C. McChristian
发明人： Jean Atkins , Richard M. Harris , Julie M. Ladieu-Walton , David C. McChristian
IPC分类号： H04M15/00 , H04M17/02 , H04M1/64 , H04M11/00 , H04M17/00
CPC分类号： H04M17/02 , H04M15/00
摘要： When a telephone caller charges a call to a commercial credit card an announcement which includes the name of the credit card issuer is supplied to the caller after the validation of the credit card. In a preferred embodiment, the issuer of the commercial credit card is identified, for purposes of announcing its name, by examining the prefix code of a credit card number supplied by the calling party. Also, in the preferred embodiment, not only the issuer of the commercial credit card but also the name of the telephone carder is supplied as part of the announcement given prior to connecting the calling station to the called station after validation of the credit card. An illustrative such announcement is "Thank you for using AT&T and for charging this call to your American Express card".
摘要翻译：当电话呼叫者向商业信用卡发出呼叫时，在信用卡验证之后，向呼叫者提供包括信用卡发行者的名称的通知。在优选实施例中，通过检查主叫方提供的信用卡号码的前缀码来识别商业信用卡的发行者，以便通知其名称。此外，在优选实施例中，在信用卡验证之后，不仅将商业信用卡的发行者，而且还提供电话卡的名称作为在将呼叫站连接到被叫站之前给出的公告的一部分。一个说明性的这样的公告是“感谢您使用AT＆T并向美国运通卡收取此电话”。

2. 发明授权

US5450477A Monitoring of charges debited to an account having an assigned limit 失效
标题翻译：监控费用记入具有指定限额的帐户
公开(公告)号：US5450477A
公开(公告)日：1995-09-12
申请号：US174167
申请日：1993-12-27
申请人： Brenda B. Amarant , William H. Desmedt , David C. McChristian , Robert M. Neilon
发明人： Brenda B. Amarant , William H. Desmedt , David C. McChristian , Robert M. Neilon
IPC分类号： G07D9/00 , G07F7/00 , G07F7/08 , H04L29/08 , H04M17/00 , H04M17/02 , H04M11/00
CPC分类号： G07F7/08 , G06Q20/4037 , G07F17/0014 , H04L67/306 , H04M15/88 , H04M17/00 , H04M17/02 , H04M2215/0116
摘要： Charges and balances assignable to a credit card account are controlled and monitored by assigning a purchase limit to the card. More specifically, when a card is used to pay for a telephone call on a telecommunication network, the validity of the card is verified in, for example, a network database and the card record is examined for the presence of a purchase limit. If the card has a purchase limit, the network database determines the type of purchase limit which applies and if the balance is positive. If the balance is not positive and the purchase limit applicable does not authorize the extension of credit, a denial response is sent from the network database to an appropriate local operator system which provides a denial indication to the caller. If the available balance is positive, the network database forwards the balance to the operator system. Based upon the balance returned in the reply from the database, the operator system sends a request to a rating processor to determine the length of time the caller may talk. If the rating database cannot ascertain the amount of time a caller can speak, for whatever reason, the call is denied. Thus, the balance is used to determine how long the caller can speak. At various predetermined intervals during the call and immediately after the call has been completed, the actual charges are calculated and forwarded to the network database. If during a call, the maximum duration is exhausted, the operator system will terminate the call, calculate the actual charges, and forward the charges to the network database. The network database decrements the balance with each intermediate update from the operator system. At the termination of a call, the network database adjusts the card holders balance a final time to maintain the purchase balance accuracy.
摘要翻译：通过向卡分配购买限制来控制和监视可分配给信用卡账户的收费和余额。更具体地说，当卡用于在电信网络上支付电话呼叫时，例如在网络数据库中验证卡的有效性，并检查卡片记录是否存在购买限制。如果卡具有购买限制，则网络数据库确定适用的购买限额的类型以及余额是否为正。如果余额不正，并且适用的购买限额不授权扩展信用额度，则从网络数据库发送拒绝响应到向呼叫方提供拒绝指示的适当本地运营商系统。如果可用余额为正，则网络数据库将余额转发给操作员系统。基于从数据库的回复中返回的余额，操作员系统向评级处理器发送请求以确定呼叫者可以谈话的时间长度。如果评级数据库无法确定呼叫者可以说话的时间量，无论什么原因，呼叫都被拒绝。因此，余额用于确定呼叫者可以说多久。在呼叫期间和呼叫完成之后的各种预定间隔，计算实际费用并将其转发到网络数据库。如果在通话期间，最长持续时间用尽，操作员系统将终止呼叫，计算实际费用，并将费用转发到网络数据库。网络数据库从操作员系统中减去每个中间更新的余额。在呼叫终止时，网络数据库最后调整持卡人的余额以维持购买余额的准确性。

3. 发明授权

US5287403A Method and apparatus for processing telephone calls charged to credit cards 失效
标题翻译：用于处理向信用卡充值的电话的方法和装置
公开(公告)号：US5287403A
公开(公告)日：1994-02-15
申请号：US918726
申请日：1992-07-22
申请人： Jean Atkins , Richard M. Harris , Julie M. Ladieu-Walton , David C. McChristian
发明人： Jean Atkins , Richard M. Harris , Julie M. Ladieu-Walton , David C. McChristian
IPC分类号： H04M15/00 , H04M17/02 , H04M17/00
CPC分类号： H04M17/02 , H04M15/00
摘要： When a telephone caller charges a call to a commercial credit card, an announcement which includes the name of the credit card issuer is supplied to the caller after the validation of the credit card. In a preferred embodiment, the issuer of the commercial credit card is identified, for purposes of announcing its name, by examining the prefix code of a credit card number supplied by the calling party. Also, in the preferred embodiment, not only the issuer of the commercial credit card but also the name of the telephone carrier is supplied as part of the announcement given prior to connecting the calling station to the called station after validation of the credit card. An illustrative such announcement is "Thank you for using AT&T and for charging this call to your American Express card".
摘要翻译：当电话呼叫者收取商业信用卡的电话时，包含信用卡发行人的名称的公告在信用卡的验证之后提供给呼叫者。在优选实施例中，通过检查主叫方提供的信用卡号码的前缀码来识别商业信用卡的发行者，以便通知其名称。此外，在优选实施例中，在验证信用卡之后，不仅将商业信用卡的发行者，而且还提供电话承运人的名称作为在将呼叫站连接到被叫站之前给出的公告的一部分。一个说明性的这样的公告是“感谢您使用AT＆T并向美国运通卡收取此电话”。

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