Patent ID: 8976947
Filing Date: 2015-03-10
Classification: G06Q,G07F,H04L,H04M,H04Q,H04W

Abstract:
1. At least one computer readable medium encoded with processing instructions performed by at least one computer to perform a method of providing from a platform pre-authorized communication services and transactions using a plurality of external networks of different types and which are external to the platform, the method comprising: accepting and processing a request from a user to provide at least one of a communication service, a transaction or user account information via one of the plurality of external networks; verifying that the user is authorized to receive the at least one of the communication service, the transaction, or the user account information, and that an account associated with the user has a sufficient amount currently available for payment of the at least one of the communication service or the transaction; and charging, in a real-time transaction, an authorized account associated with the user as the platform controls an element of a corresponding one of the plurality of external networks to provide at least one of the communication service or the transaction as provided by any one of a plurality of different service and transaction providers.