Patent ID: 8095111
Filing Date: 2012-01-10
Classification: G06Q,H04L,H04M,H04W

Abstract:
1. A method, for providing overdraft protection to a user, comprising: activating, using a billing system server, a post-paid account for the user, the post-paid account including (i) a data subscription plan having a predetermined base number of data blocks allotted to the post-paid account and (ii) a plurality of data plan periods, each having the predetermined base number of data blocks; monitoring, using the billing system server, usage of the post-paid account; selecting, using the billing system server, between borrowing additional data blocks from a future data plan period and charging the post-paid account a first predetermined cost per additional data block for additional data blocks, the first predetermined cost per additional data block being less than a cost per data block normally associated with exceeding the predetermined base number of data blocks during a data plan period of the plurality of data plan periods; and adjusting the data subscription plan, using the billing system server, to provide additional data blocks in predetermined first size increments and, if charging the post-paid account is selected, charging the post-paid account the first predetermined cost per data block for the additional blocks provided.