METHOD AND SYSTEM FOR CONNECTING A CALLER TO A CONTENT PROVIDER

Abstract: The invention relates to methods and systems for connecting a caller (110) to a content provider (120) who provides a service to the caller over the telephone system. In accordance with the invention, a caller (110) establishes a prepaid account (300) with an intermediary, termed a transaction processor (200). When the caller (110) wishes to access a content provider (120), the caller (110) makes a telephone call to the transaction processor (200) providing access to a plurality of content providers (120) via a common access number. The caller (110) identifies his prepaid account (300) and the desired content provider (120). The transaction processor (200) connects the caller (110) to the content provider (120), monitors the connection between the caller (110) and the content provider (120), and debits the caller's prepaid account (300) according to the service provided by the content provider (120).

Description: METHOD AND SYSTEM FOR CONNECTING A ΛXLER TO A CONTENT PROVIDER FIELD OF THE INVENTION The present invention relates generally to methods and systems for allowing callers to access content providers, such as 900 and 976 numbers, over a telephone network. More particularly, the invention relates to prepaying for services supplied by such providers and accessing the services through an intermediary who has access to the prepaid accounts. BACKGROUND With the advent of 900 number and similar shared-revenue systems, the use of telephone- based services and the corresponding number of providers of these services has increased dramatically. Consumers can now use the telephone to receive a wide variety of services, ranging from technical support to personal psychic readings. These services are typically provided by a content provider who first delivers the service over the telephone and subsequently bills the caller. The caller typically is identified by the phone number from which he is calling, with the subsequent bill then included as part of the caller's regular telephone bill. The content provider typically calculates the amount of the bill after the service has been delivered. This amount is forwarded to the telephone company, which both bills and collects from the caller. The telephone company typically deducts a portion of the total bill in return for both die cost of making the telephone connection and for the telephone company's role as bill collector. This system has significant drawbacks. For example, since the caller is charged after he has consumed the service, there is a significant risk of bad debt. Callers may refuse to pay for the service or may even deny having used the service in the first place. This often results in a loss to the content provider and also requires the telephone company to charge a higher rate for the telephone connection since a fraction of the connections will be written off as bad debt. Another disadvantage is that calls from public access phones, such as those in airports and hotels, are typically blocked since it is unclear who should be billed for calls from these phones. Many companies also block calls from their internal phones to prevent employees from, among other reasons, generating large bills. Another disadvantage is that callers from home cannot access a service anonymously since telephone billing statements normally identify both the content provider called and the amount charged. In an effort to overcome some of these disadvantages, some content providers have established 900 number debit cards in which the caller prepays for the service provided by the content provider. For example, a 900 number debit card was offered by the Weather Channel. In this system, the caller set up an account by purchasing the debit card, effectively prepaying for Weather Channel access/information. The caller then dialed the access number on the back of the debit card to access the Weather Channel, with the appropriate fee being deducted from die value remaining in the caller's prepaid account. However, the Weather Channel debit card could only complete calls to the Weather Channel; services from other content providers were not available through the Weather Channel debit card. This single service limitation severely limits the functionality of a debit card, as a caller would have to carry a separate card and maintain a separate prepaid accc ..nt for each content provider he intends to access. At the other extreme, many vendors sell prepaid calling cards for telephone calls at a fixed or standard rate. Such cards may allow, for example, the caller to call anywhere in the U.S. at any time for 16 cents/minute, with a correspondingly higher rate for foreign calls. Although such prepaid cards have no called-number restrictions, they are oriented toward pure telephony, rather than content access. That is, every call made is charged at the same rate regardless of die number being called, and this rate is set by the prepaid card provider rather than by the number being called. Telephony systems of the type maintaining prepaid accounts at a central computer are disclosed in U.S. Patents 4,706,275, 5,359,642 and 5,469,497. Thus, there is a need for systems and methods which allow a caller to access different content providers, each having a particular rate different from the standard rate for telephone connectivity, while simultaneously reducing die instances of bad debt, increasing the access from public and odier normally blocked telephone lines, allowing the caller to anonymously access a service, and/or reducing the high cost of telephone connections for such services. SUMMARY OF THE INVENTION In connection with the foregoing, a transaction processor (e.g., debit card platform) in accordance with the invention includes two communications ports, a telephone switch coupling the two communications ports, and a control logic. In a method using tiiis system, the first communications port receives a telephone call from a caller, who identifies one of many content providers which he would like to access, and the second communication port makes a telephone connection to the identified content provider. The control logic configures the telephone switch to connect the caller on the first communications port to the content provider on die second communications port, tiius allowing the content provider to provide a service to die caller. The control logic also debits a prepaid account associated widi die caller for the service. One aspect of the invention includes a prepaid account database coupled to the control logic. The prepaid account database associates caller identifying codes, such as personal identification numbers (PINs), with prepaid accounts. When a caller supplies his caller identifying code, die control logic accesses the prepaid account database to identify the corresponding prepaid account. Another aspect of the invention includes a content provider database coupled to die control logic. The content provider database associates content providers with costs for their services. When a caller accesses a content provider, the control logic accesses die content provider database to calculate an amount to be debited to die caller's prepaid account based specifically on die service provided and die identified content provider. Yet another aspect of the invention concerns crediting a caller's prepaid account in response to receiving a payment from a caller. The system and method of die invention will be more readily understood and apparent from the following detailed description of the invention, which should be read in conjunction with the accompanying drawings, and from the claims which are appended at die end of die detailed description. BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a block diagram of a system in accordance with one embodiment of die invention; Figure 2 is a block diagram of die transaction processor of Figure 1; Figure 3 is a block diagram of die prepaid account database of Figure 2; Figure 4 is a block diagram of die content provider database of Figure 2; Figures 5 A, 5B and 5C are a flow diagram illustrating die operation of the system depicted in Figures 1 to 4 in accordance widi one embodiment of die invention; and Figure 6 is a flow diagram illustrating another aspect of operation of the system depicted in Figures 1 to 4. DETAILED DESCRIPTION OF THE INVENTION System Overview Figure 1 shows a preferred embodiment of a system in accordance with die present invention, which connects a caller 1 10 to a content provider 120 over a telephone network 160 via a transaction processor (e.g., debit card platform) 200. Content provider 120, as used herein, includes parties which provide information and/or a service over die telephone network 160 and which charge specifically for that service. This includes parties which traditionally have provided services over die telephone network 160 via 900, 976 and other shared-revenue numbers. Of course, such services could include die sale of goods, in which case the content would be a catalog of goods offered for sale. Therefore, as used in die specification and claims, the terms "content" and "service" shall be understood to include any tangible or intangible quantity provided to die caller. Finally, these services, telephone numbers, and content providers may be referred to as shared-revenue services, shared-revenue numbers, and shared-revenue content providers, respectively, in die sense that they charge a premium in addition to die transport costs of the basic telecommunications services, the total access charges typically being shared amongst the content provider, die transaction processor, and die telecommunications service(s). The telephone network 160, as used herein, includes die combination of local and long distance wire facilities and switches generally known as the public switched telephone network ("PSTN"). However, telephone network 160 is not restricted to the PSTN, but could also include wireless networks, cellular telephone networks, the telephone capability of die Internet, and otfier non-telephonic communications facilities through which content or services may be provided. Figure 2 shows a preferred embodiment of die transaction processor 200, which is at the heart of the invention. As die description below will show, the information needed by d e caller to use die system can conveniently be inscribed on a "debit card"; however, the invention is not restricted to use with such debit cards, and die invention should be understood to include any system having the functionality described herein, whether used in conjunction witii debit cards or otiier access devices. Communications ports 210 and 220 are coupled to each other via telephone switch 230, which is controlled by control logic 240. Control logic 240 is also coupled to communications port 210 (and hence to die caller 1 10) through caller interface 250. The communications ports 210 and 220 include multiple communications channels for simultaneously connecting multiple callers 110 to multiple content providers 120. In one embodiment of die invention, die communications ports 210 and 220 may be stand-alone devices. Alternatively, die communications ports 210 and 220 may be integrated within the telephone switch 230 into a single device. The telephone switch 230 and control logic 240 may be implemented as two separate devices. For example, the telephone switch 230 might be a conventional switch such as die Excel LNX 2000 while die control logic 230 might be an off-the-shelf microprocessor. Alternatively, the telephone switch 230 and control logic 240 may be implemented in a single device, such as the AT&T System 8511. The caller interface 250 resides between the communication port 210 and die control logic 240. In a preferred embodiment, the caller interface 250 includes an interactive voice response unit ("IVRU"). The IVRU facilitates communications between the caller 1 10 connected to a communications port 210 and the control logic 240 by converting dual tone multi- frequency ("DTMF") tones entered by the caller 1 10 on his touch tone key pad into digital signals for the control logic 240 and by responsively playing various messages selected by the control logic 240 to the caller 1 10. The control logic 240 is also connected to a prepaid account database 300, a content provider database 400, a call records database 260, and a clock 270. The term database as used herein refers to data records generally and is not meant to imply any specific data structure. The prepaid account database 300 tracks the prepaid accounts of the callers 1 10. As shown in Figure 3, prepaid account database 300 contains a number of records 310, each of which associates a caller identifying code 320 with a prepaid account 330, including die current balance information for the accounts. In a preferred embodiment, die caller identifying code 320 is a numeric identification number which may be printed on a card carried by die caller 1 10. In a similar manner, die content prov _er database 400 tracks content providers 120. As shown in Figure 4, the content provider database 400 contains a number of records 410, each of which associates a content provider with his cost schedule 420. The cost schedule 420 typically have both a fixed component and/or a variable component. Each record 410 may also associate the content provider with a corresponding content provider code 430. In one embodiment of die invention, the code 430 might be a content provider's phone number, e.g, a 900 number. In a related embodiment, the content provider record 410 might also include otiier phone numbers 440 associated widi die content provider. Continuing the previous example, the caller might identify a content provider by his 900 number, which the content provider database 400 would translate to a corresponding direct dial number. The transaction processor 200 would ti en actually be connected to die content provider 120 via die looked-up direct dial number rather than the inputted 900 number. Returning now to Figure 2, the call records database 260 stores records of die telephone calls and connections made and/or received by die transaction processor 200. For example, such records might include the date, time, and duration of a phone call made to a content provider in order to verify bills subsequentiy received from die content provider. Similarly, the call records database 260 may also store records of phone calls received from callers in order to resolve any later disputes regarding the charges made to a caller's prepaid account. The clock 270 may be used by die control logic 240 to provide call date, time and duration information for these records. Method Of Operation In a preferred embodiment of a method for operating the system depicted in Figures 1 -4, a caller 1 10 wishes to access a service provided by a content provider 120. To do so, die caller 1 10 first purchases a prepaid debit card, for example from an intermediary vendor. The debit card has associated dierewith an account usable by the holder of die card. Alternatively, the caller 1 10 may contact the operator of transaction processor 200 directly to establish an account. The caller 1 10 then makes a telephone call to the transaction processor 200 over the telephone network 160. The transaction processor 200, which can make telephone calls to a number of content providers, makes a telephone call to the content provider 120 identified by die caller 1 10, also over the telephone network 160. The transaction processor 200 then connects the two telephone calls, resulting in a telephone connection from the caller 1 10 to die content provider 120 via the transaction processor 200. The content provider 120 then provides die service to the caller 1 10 over the telephone connection, and the transaction processor 200 charges the cost of the service to the caller 110's prepaid account. The content provider 120 receives its payment for the service provided from the transaction processor 200. The detailed operation of the system will now be described in greater detail witii respect to Figure 5. At step 500, the transaction processor 200 receives a telephone call from the caller 1 10. The telephone call identifies a prepaid account 330 associated witii the caller 1 10 and a content provider 120 which the caller 110 wishes to access. In a preferred embodiment of die invention, the incoming telephone call is a toll-free call, such as an 800 or 888 number call. The use of toll-free numbers presents numerous advantages over odier types of telephone calls. For example, current F.C.C. regulations dictate tiiat toll-free numbers cannot be blocked, tiius allowing access to the transaction processor 200 and content provider 120 from any telephone in the U.S. The toll-free number is also advantageous for the caller 110, who can conveniently place the call from any telephone with no record of die call appearing on his regular telephone bill. Although toll-free calls are preferred because of the above advantages, tiiey are not required for the invention. For example, the telephone call could be a collect call, or a direct dialed call paid for by die caller 1 10. In the preferred embodiment, die prepaid account 330 is identified as follows. Recall from Figure 2 that die caller interface 250 of die transaction processor 200 is an IVRU under die control of the control logic 240. Referring now to Figure 5, after the caller 1 10 calls the transaction processor 200 at step 500, the IVRU requests die caller 1 10's caller identifying code 320 at step 502. The caller 1 10 enters his caller identifying code 320 via his telephone keypad and die IVRU converts die DTMF tones to digital signals for the control logic 240. At step 504, the control logic 240 queries die prepaid account database 300 for the validity of die caller identifying code 320 and die current balance of the corresponding prepaid account 330. At step 506, if the caller identifying code 320 is not valid or if the current balance is too low, the IVRU prompts the caller 1 10 to take appropriate action, e.g., reentering the caller identifying code 320, disconnecting, or making a payment to the transaction processor 200 to recharge the prepaid account 330. If the caller identifying code 320 is valid and has a sufficient balance, die caller 1 10 may access a content provider 120. In a preferred embodiment of die present invention, die content providers 120 are shared- revenue content providers tiiat are normally directly accessed via die shared-revenue network, including 900, 976, and similar numbers. These numbers serve as content provider codes 430 for content providers accessed via die 800 or 888 number transaction processor of die present invention. iAlternatively, other methods of identifying content providers may be readily used, for example names or other unique identifiers. Such a unique identifier may be included as an additional field in content provider database 400 and accessed by control logic 240. At step 508, the IVRU requests die caller 1 10 to identify die desired content provider 120, selecting amongst the plurality of content providers 120 accessible by die caller 110 by entering its shared-revenue (e.g., 900 or 976) telephone number via the caller's telephone keypad. Alternatively, transaction processor 200 may provide die caller 1 10 widi a listing of content providers 120 amongst which the caller may select Such a listing may be provided, for example, in writing on the back of die debit card, on promotional literature, or through die IVRU upon each access by caller 1 10 to transaction processor 200. The use of such listings illustrates that die content providers may be identified and selected by odier identifiers, such as by name or number (unrelated to die telephone number). Or, in an embodiment combining the shared-revenue number and some other identifier, die caller could identify and select the content provider by me former, then a logic device could determine die latter via a table lookup. Transaction processor 200 may additionally offer samplings or further information relating to the services of each of content providers 120, permitting the caller 1 10 to make a more informed decision from amongst the providers. At step 510, the control logic 240 queries die content provider database 400 for the validity of die shared-revenue number 430 and die associated cost schedule 420, which is typically a predetermined cost per minute for connection to the shared-revenue number. Of course, the cost could also be a fixed amount (e.g., in the case of goods sold over die telephone), a per quantity charge (e.g., in the case of metered content sales), or any other charge appropriate to a particular sales mode. The flexibility afforded by such a cost schedule 420 also allows die transaction processor 200 to calculate the cost incurred by die caller 110 as die service is provided, ratiier than after the caller 110 completes his telephone connection. At step 512, if the shared-revenue number 430 is not valid, die IVRU prompts the caller 1 10 to enter a different shared-revenue number or to disconnect from e system. At step 514, if the shared-revenue number 430 is valid, die control logic 240 informs the caller 110 of the current balance in his prepaid account 330, by having the IVRU announce either die actual balance or the maximum extent of the service (e.g., connect time) to die shared-revenue number 430. The transaction processor 200 then completes the telephone connection from d e caller 1 10 to die content provider 120. At step 516, the transaction processor 200 makes a telephone call to the content provider 120, using either the shared-revenue number 430 provided by die caller 110 or an alternate phone number 440. For example, in the current telephone system, corresponding to each shared-revenue number 430 is an underlying direct dial number 440. At step 518, the transaction processor 200 then completes the telephone connection from the caller 1 10 to the content provider 120 by configuring the telephone switch 230 of Figure 2 to connect the telephone call from the caller 1 10 to the telephone call to the content provider 120. Calling a direct dial number 440, rather tiian the shared-revenue number 430, has several advantages. For example, use of die direct dial number 440 eliminates the surcharges and overhead amounts charged by the telephone company, offering increased revenue for both the transaction processor 200 and the content provider 120. If the transaction processor 200 is billed directly by die content provider 120, tiien the telephone company's billing and collection charges for premium services may also be avoided. The direct billing can also result in faster payment for the content provider 120 since die telephone company collection process is avoided, as are holdbacks for bad debt. As used herein, die term "telephone company" includes entities which make the telephone connections, those which bill for the connections, and those which perform both functions. Furthermore, if the shared-revenue number 430 is used, die content provider 120 will bill die transaction processor 200 according to die pricing schedule for the shared-revenue number 430. However, if the direct dial number 440 is used, a different pricing schedule can be applied. In a preferred direct dial embodiment die transaction processor 200 has a pre-existing arrangement with the content provider 120, including a predetermined pricing schedule for the direct dial number 440. Essentially, the transaction processor 200 agrees to allow the content provider 120 to register his service in the content provider database 410. In return, die content provider 120 provides cost schedules 420, possibly with significant discounts, and a direct dial phone number 440 avoids telephone company charges odierwise incurred through the use of a premium telephone number. The net result is a transfer of revenue, which would odierwise by allotted to die phone company, to die transaction processor 200 and die content provider 120. The new pricing schedule may also allow the caller 1 10 to realize a portion of die reduction in phone company revenues. At step 520, after the telephone connection is made, die control logic 240 monitors the telephone connection and die balance remaining in the prepaid account 330. Using die content provider's cost schedule 420 and d e duration of die telephone connection, die control logic 240 continuously checks whether the balance remaining in the caller 1 10's prepaid account 330 is too low to continue the connection. If so, at step 522, die control logic 240 discontinues the telephone connection. As an alternative to terminating telephone service when prepaid account 330 drops below a predetermined amount transaction processor 200 may connect die caller to a live operator, or IVRU, which can permit the caller to increase the account balance d rough a credit card charge. This will permit the caller to continue accessing the content provider witii minimal interruption. Eventually, the call ends eidier voluntarily or involuntarily. In either case, at step 524, the control logic 240 calculates die cost of die telephone connection based on the cost schedule 420 and die duration of the telephone connection and debits die prepaid account 330 accordingly. At step 526, die control logic 240 may also record die telephone connections and calls made and received in die call records database 260 of Figure 2. The call records database 260 may be used later to settle billing disputes witii eidier the caller 1 10 or the content provider 120. Figure 6 shows a method for crediting a prepaid account 330, which is typically done by die caller to establish or replenish the account value. At step 610, die transaction processor 200 receives a payment from the caller 1 10 or a party acting on die caller's behalf. In one embodiment d e caller 110 may pay an intermediary who then pays the transaction processor 200, rather tiian paying the transaction processor 200 directly. In any event die payment is associated widi a particular prepaid account 330. At step 620, the transaction processor 200 tiien credits die prepaid account 330 accordingly. The process of receiving a call, accepting a caller's ID code, and determining die corresponding prepaid account 330 can be performed exactly as described previously with respect to accessing a content provider. The control logic 240 would, of course, have added IVRU prompts to receive a credit card number, EFT authorization, telephone number billing information, or otiicr payment mechanisms, as well as links to well- known account verification/funds sufficiency/payment processing services, necessary to complete the transaction. As will be appreciated by one skilled in die art, such functionality can even be implemented as an option, following step 520 of Figure 5, whereby the caller can add funds rather tiian being disconnected from an ongoing call upon reaching a low balance limit. As the foregoing show, since account balances are stored at the central (remote) transaction processor, a caller of the system need only possess a minimum of information to use the invention. Such information may be recorded on a traditional wallet sized, paper or plastic debit card on which is inscribed the telephone number of the transaction processor, the caller's PIN code, codes for various content providers, instructions on using the transaction processor, and any odier necessary information. In its traditional form, the card serves primarily as a reference device for the caller and would not be required if die caller memorized die information recorded on die card. Thus, the card is not a necessary piece of the system and is not necessary to use the system. For example, in more sophisticated embodiments, die debit card could be what is generally described as a "smart" card. Such a "smart" debit card may have an account balance stored on the card and may even be capable of generating DTMF tones to complete a call. That is, part of the transaction processor 200 may be implemented on die debit card itself. Similarly, die prepaid account database 300 could even be distributed among the debit cards of die callers. The foregoing example also illustrates that die transaction processor may be implemented across multiple computers or in a distributed computing environment. Alternatively, sets of transaction processors may be dispersed across a region, each platform servicing a local area within the region. Finally, although die system disclosed herein allows any caller with a valid caller identifying code to access any valid shared-revenue number, it will be apparent to those of ordinary skill in the art that access restrictions are easily implementable. For example, certain callers might be limited to a subset of die available shared-revenue numbers. Thus, a company providing prepaid accounts to its employees for the purpose of software support might limit access to only those shared-revenue numbers which actually provide software support. Alternately, die transaction processor may group together all shared-revenue numbers having the same cost schedule and tiien offer prepaid accounts tied to die specific cost schedule. Callers could tiien select from a menu of available shared-revenue numbers, all of which charge the same price. The transaction processor could implement tiiese and other variations by adding additional fields to the prepaid account database 300 and or the content provider database 400. Aldiough the present invention has been described in terms of particular embodiments, it will be appreciated tiiat various modifications and alterations thereto may be made witiiout departing from d e spirit and scope of the invention. Therefore, it is intended tiiat die scope of die invention be limited only by the following claims.

Claims: CLAIMS What is claimed is: 1. A system for allowing a caller to access a content provider, comprising: (a) a first communications port for receiving a telephone call from a caller; (b) a second communications port for making a telephone connection to one of a plurality of content providers identified by die caller; (c) a telephone switch coupled to die first and second communications ports; and (d) a control logic coupled to die first communications port and controlling the telephone switch, die control logic adapted to: (i) configure die telephone switch to make a telephone connection between the caller and die identified content provider, and to (ii) debit a prepaid account associated widi die caller for a service provided by die content provider based on die service and on die identified content provider. 2. The system of claim 1 wherein the first communications port is adapted to receive a toll- free telephone call from the caller. 3. The system of claim 1 further comprising a caller interface coupled to die first communications port and die control logic. 4. The system of claim 3 wherein the caller interface includes .an interactive voice response unit. 5. The system of claim 4 wherein the interactive voice response unit is adapted to announce a current balance of the prepaid account 6. The system of claim 4 wherein the interactive voice response unit is adapted to announce a maximum duration of the telephone connection between the caller and the content provider. 7. The system of claim 1 further comprising a prepaid account database coupled to d e control logic, the prepaid account database identifying a plurality of caller identifying codes and a prepaid account associated with each caller identifying code, and wherein die control logic is configured to access the prepaid account database to identify die prepaid account associated widi a caller identifying code supplied by the caller. 8. The system of claim 7 wherein d e control logic is programmed to configure die telephone switch for the connection if a balance in the prepaid account is above a predetermined value. 9. The system of claim 7 wherein the control logic is adapted to discontinue die telephone connection between the caller and die content provider when, based on die cost for the service and a duration of d e telephone connection, a balance in the prepaid account falls below a predetermined value. 10. The system of claim 1 further comprising a content provider database coupled to die control logic, the content provider database identifying a plurality of content providers and a cost for a service provided by each content provider, and wherein the control logic is configured to access die content provider database to calculate an amount to be debited to die prepaid account 1 1. The system of claim 1 further comprising a call records database coupled to die control logic, the call records database including a record of the telephone connections made. 12. A metiiod for allowing a caller to access a service offered by a content provider, die metiiod comprising the steps of: (a) receiving a telephone call from a caller, the telephone call identifying a prepaid account and one of a plurality of content providers; (b) determining if die caller is authorized to access the content provider and, if the caller is audiorized: (i) making a telephone connection between the caller and the identified content provider to enable the content provider to provide a service to d e caller through die telephone connection, and (ii) debiting the prepaid account by an amount based on the content provider and die service provided. 13. The method of claim 12 where the received telephone call is a toll-free telephone call. 14. The method of claim 12 where the received telephone call is a collect call. 15. The method of claim 12 where die step of receiving die telephone call includes receiving a caller identifying code corresponding to die prepaid account. 16. The method of claim 12 where die step of receiving the telephone call includes receiving a content provider code identifying the content provider. 17. The method of claim 16 where die content provider code is a telephone number identifying die content provider. 18. The method of claim 16 where the telephone number is a shared-revenue telephone number, and where die step of making the telephone connection includes determining a direct dial telephone number corresponding to the shared-revenue telephone number and calling die direct dial telephone number. 19. The metiiod of claim 12 where the step of receiving the telephone call includes: (a) informing the caller of the plurality of content providers; and (b) receiving die caller's selection from among the plurality of content providers. 20. The method of claim 12 where the step of determining if the caller is authorized includes determining a balance in the prepaid account. 21. The method of claim 20 where the step of determining if die caller is authorized includes informing the caller of the balance. 22. The method of claim 20 where the caller is determined to be unauthorized if die balance is below a predetermined value. 23. The metiiod of claim 20 where die step of making the telephone connection includes determining a cost for the service. 24. The method of claim 23 where determining die cost includes looking up die cost in a content provider database associating a cost widi services. 25. The method of claim 23 where determining e cost includes calculating, based on die balance in die prepaid account and die cost of the service, a maximum duration for the telephone connection. 26. The method of claim 25 further comprising die step of informing the caller of the maximum extent of the telephone connection. 27. The metiiod of claim 12 where the step of determining if the caller is authorized includes checking for a valid caller identifying code. 28. The metiiod of claim 12 further comprising the steps of: (a) determining, based on the cost of the service and a duration of the telephone connection, when a balance in the prepaid account falls below a predetermined value; and (b) discontinuing d e telephone connection when the balance falls below the predetermined value. 29. The method of claim 12 further comprising the steps of: (a) receiving a payment from the caller; and (b) crediting the prepaid account by an amount based on die payment. 30. The method of claim 12 where the service is a shared-revenue service. 31. A method for providing a service to a caller, the method comprising die steps of: (a) registering a service widi a transaction processor enabling access to a plurality of conten t providers via a common access number; (b) accepting a telephone connection with a caller having a prepaid account at the transaction processor, the telephone connection having been made via die transaction processor in response to die caller's identification of one of said plurality of content providers via a telephone call to the common access number; (c) providing the service to the caller through the telephone connection; and (d) receiving a payment for the service from the transaction processor. 32. The method of claim 31 where the service is a shared-revenue service. 33. The method of claim 31 where the common access number is a shared-revenue telephone number. 34. The method of claim 31 where the common access number is a direct dial telephone number 35. A method for accessing a service offered by a content provider, comprising the steps of: (a) making a telephone call to a transaction processor enabling access to a plurality of content providers via a common access number; (b) identifying a prepaid account and one of die content providers; (c) accepting a telephone connection made by the transaction processor to the identified content provider; and (d) receiving a service from the content provider and incurring a debit to the prepaid account by an amount based on the received service. 36. The method of claim 35 where the common access number is a shared-revenue number. 37. The method of claim 35 where the common access number is a direct dial number. 38. The metiiod of claim 37 where e direct dial number is toll-free. 39. The metiiod of claim 35 where making the telephone call includes placing a collect call. 40. The method of claim 35 where the step of identifying die prepaid account includes providing a caller identifying code corresponding to ώe prepaid account. 41. The method of claim 35 where the step of identifying one of the content providers includes providing a content provider code. 42. The method of claim 41 where the content provider code includes a telephone number which identifies die content provider. 43. The method of claim 35 where the step of identifying one of the plurality of content providers includes: (a) receiving identities of die plurality of content providers; and (b) selecting one of die plurality of content providers. 44. The method of claim 35 further comprising the step of making a payment to die transaction processor for crediting the prepaid account.

Inventors: CARSON GREGORY G, CASE T SCOTT, JORASCH JAMES A, WALKER JAY S, CARSON, GREGORY, G., CASE, T., SCOTT, JORASCH, JAMES, A., WALKER, JAY, S.
Applicants: WALKER ASSET MANAGEMENT LTD, WALKER ASSET MANAGEMENT L.P.
Application year: 1997
Main classification: H04M15
IPC codes: G07F17, H04M3, H04M11, H04M15, H04M17