Patent ID: 8738491
Filing Date: 2014-05-27
Classification: G06Q

Abstract:
1. A method, comprising: issuing a first prepaid calling card to a first consumer based on a first specified criteria and issuing a second dependent prepaid calling card dependent on the first prepaid calling card, to a second consumer dependent on the first consumer, based on a second specified criteria, wherein the second specified criteria is specified by the first consumer, wherein both the first and second specified criteria are stored as imbedded data in the respective prepaid calling cards; conducting, at a merchant network node a micropayment transaction with at least one of the first consumer or second consumer via at least one consumer electronic communication device; receiving into the merchant network node from the at least one consumer electronic communications device first prepaid—calling card data or second dependent prepaid—calling card data as payment for an item; accessing a database storing-data regarding the first prepaid—calling card or the second dependent prepaid—calling card; validating, by the merchant network node, the micropayment transaction for the second dependent prepaid calling card, wherein the step of validating includes extracting and using validation data determined through the first specified criteria from the first prepaid calling card data to determine whether the micropayment transaction sought by the second consumer is accessible or restricted by the first specified criteria, obtaining, by a card registration system, a value remaining on the first prepaid calling card or the second dependent prepaid—calling card from the database and determining whether the value remaining on the first prepaid—calling card or the second dependent prepaid—calling card is sufficient to approve the micropayment transaction for settlement, and offering, from the merchant network node to the at least one consumer electronic communication device, a prospective upsell transaction for a good or service different from the item of value for which the micropayment transaction was made.