US 9,813,564 B1
Secured pre-payment for portable communication unit
Peter D. Wendt, Peoria, AZ (US); and Daniel S. Karvonen, Mankato, MN (US)
Assigned to Peter D. Wendt, Peoria, AZ (US)
Filed by Peter D. Wendt, Peoria, AZ (US)
Filed on Dec. 23, 2016, as Appl. No. 15/390,325.
Application 15/390,325 is a continuation of application No. 09/559,272, filed on Apr. 27, 2000, abandoned.
Int. Cl. H04M 11/00 (2006.01); H04M 17/00 (2006.01); G06Q 20/28 (2012.01); G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC H04M 17/302 (2013.01) [G06Q 20/28 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/4037 (2013.01)] 3 Claims
OG exemplary drawing
 
1. A method of prepayment for service on a telecommunications system using a portable communication unit (PCU), the method comprising:
a customer prepaying a dealer for service on a telecommunications system;
the dealer forwarding transaction order information about the pre-payment to a prepaid management center (PMC);
the PMC providing a bank the transaction order information;
upon receipt of the transaction order information from the PMC, the bank determining whether there are sufficient funds in a dealer account to cover an amount of the transaction;
if insufficient funds are in the dealer account, the bank notifying the dealer and providing the dealer an opportunity to replenish the account so the transaction may proceed;
if sufficient funds are in the dealer account, the bank automatically transferring the amount of the transaction from the dealer account to a secure payment system (SPS) account, less a dealer's fee for the transaction;
after funds have been transferred from the dealer account to the SPS account, notifying the PMC of the transfer;
after notification, the PMC generating codes required to enable the PCU to provide the service on the telecommunication system and issuing the codes to the dealer;
the dealer transferring the codes to the customer;
the customer entering the codes into the PCU, enabling the PCU to provide the service on the telecommunication system.