Patent ID: 6816721
Filing Date: 2004-11-09
Classification: G06Q,H04M,H04W

Abstract:
A method of paying a seller for a purchase transaction using a prepaid account associated with a wireless communications device, the method comprising:receiving transaction information comprising a telephone number of the wireless communications device and a purchase amount by a device at a point-of-sale; receiving the transaction information at a service control point (â€œSCPâ€ ) of a wireless communications network communicatively coupled to the point of sale device, the SCP maintaining a record identified by the telephone number indicating an account balance of the prepaid account; determining whether the account balance is sufficient to cover the transaction; responsive to a determination that the account balance is not sufficient to cover the transaction, denying the transaction; responsive to a determination that the account balance is sufficient to cover the transaction, deducting a transaction amount from the account balance and sending a message to indicate a crediting of an account of the seller such that the seller is then paid for the purchase.