Patent ID: 7711575

Claim:
A method of providing communications services, comprising: receiving a request for communications service at a service provider's server that originates from a user's client device; linearly predicting by the service provider's server whether the user will pay on-time and in-full for the requested communications service based on a determination whether the user timely paid in-full for previous communications services; if a determination is made that the user will not pay on-time and in-full for the requested communications service, then declining to fulfill the request for the communications service; if a determination is made that the user will pay on-time and in-full for the requested communications service, then: negotiating with other service providers to fulfill the request for communications service; accessing a segmentation profile containing user preferences for presenting billing charges from the other service providers; determining a subcontracted processing service is required from a different service provider; grouping together individual packets of data that require the subcontracted processing service as a new segment; subcontracting the new segment from the service provider's server to the different service provider to receive the subcontracted processing service; and receiving a subcontracted result of the subcontracted processing service.