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Method and apparatus for authorizing and billing communications services using a bank card financial network
| Details |
Inventors: Cook, Fred S.;
Assignee: Sprint Communications Company L.P. (Overland Park, KS)
Primary Examiner: Bashore; Alain L.
Assistant Examiner:
Attorney, Agent or Firm:
According to the invention, a method and apparatus are disclosed for a dynamic communications service bank card billing system for authorizing and billing communications services using a bank card financial network. The communications service bank card billing system receive events from communications services and equipment providing such services. If a received event corresponds to a request for initiating a communications service, the event is tariffed and taxed, and a pre-authorization and hold request is made to the associated customer account number. If the communications service receives a service authorization or denial indication, the communications service bank card billing system provides such indication indicative of the successful or non-successful pre-authorization and hold request. Alternatively, if a received event corresponds to a request to charge a customer account, the event is tariffed and taxed, and a forced post request is made to the associated customer account number over the bank card financial network if no pre-authorization preceded the forced post request. Otherwise, a pre-authorization completion is formatted and sent. Additionally, a representation of the content of the event is stored by the communications service bank card billing system for accumulating communications service charges during a billing period. At the end of the billing period, the communications services charges can be summarized and evaluated whether a credit or a surcharge is required. Such an account adjustment or a credit is then made via a forced post request to the associated customer bank card account number over the bank card financial network. |
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DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT FIG. 1 and its discussion herein are intended to provide a description of a general computing environment in which the present invention can be practiced. The present invention is not limited to a single computing environment. Moreover, the architecture and functionality of the present invention as taught herein and would be understood by one skilled in the art is extensible to an unlimited number of computing environments and embodiments in keeping with the scope and spirit of the present invention. Turning first to FIG. 1, illustrated is an exemplary operating environment 100 for practicing the present invention. Communications service bank card billing system 105 embodies the functionality of the present invention by receiving service requests from communications service 142 over facility 141 which are billed to the customer over bank card financial network 158 over facility 152. Communications service bank card billing system 105 typically comprises a standard computer platform with appropriate communications system interface 140 and bank card system interface 150. Communications service bank card billing system 105 includes a processor 110, memory 115, storage devices 120, communications system interface 140 and bank card system interface 150, which are electrically coupled via bus 112. Memory 115 is one type of computer-readable medium, and typically comprises random access memory (RAM), read only memory (ROM), integrated circuits, and/or other memory components. Memory 115 typically stores computer-executable instructions to be executed by processor 110 and/or data which is manipulated by processor 110. Storage devices 120 are another type of computer-readable medium, and typically comprise disk drives, diskettes, networked services, tape drives, and other storage devices. Storage devices 120 typically store computer-executable instructions to be executed by processor 110 and/or data which is manipulated by processor 110. Turning now to FIG
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