Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment

A rule set is used to determine at least one rule for authorizing a transaction debiting an account of an authorized user. Subsequently, the account is debited, according to the at least one rule, in real time if the transaction is authorized. The real time debit is settled with transaction provider...

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Bibliographische Detailangaben
Hauptverfasser:	ANJAYYA CHOWDARY TUMMALA, SESH KUMAR VENKATA HARA NAGA BURUGULA, VARMA LAXMI JAGANNADHA SIVA KUMARA JAMPANA, SIMON JAMES JOYCE, KRISHNA MOHAN SISTLA, SURESH KUMAR MUNNANGI, RADHAKRISHNAN SUBHASHREE, VEERABHADRA RAO KALLURI, FERNANDO MANOEL ALVES SANTOS JR, ANIL KUMAR REDDY NAKKALA, ASHOK KUMAR REDDY EANUGA, KALYAN CHAKRAVARTHY KASTURI, PRASAD NAGANJANEYA VARA UNDAVALLI, PRAFULLA C. GUPTA, KONDAL RAO NALLAJERLA, NARENDRA KUMAR VELAGALA, RICHA GUPTA, SURYA SEKHAR LAKSHMI VELPURI, MANOHAR SITARAM VAIDYA, MURALIDHAR GOPARAJU, SOUMITRA GAJANAN WADALKAR, KRISHNA MOHAN VENKATA KOMPELLA, BHANU MURTHY NALLAGONDA, RANGANATHAM VELURU, SRINIVAS SEETAMSETTY, SUNDARAM MOHAN KUMAR, AMBA PRASAD GUDIPATI, RAVI KIRAN MACHIRAJU, GOPAL VOORADI
Format:	Patent
Sprache:	eng
Schlagworte:	CALCULATING CHECKING-DEVICES COIN-FREED OR LIKE APPARATUS COMPUTING COUNTING DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES ELECTRIC COMMUNICATION TECHNIQUE ELECTRIC DIGITAL DATA PROCESSING ELECTRICITY PHYSICS SELECTING SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR TELEPHONIC COMMUNICATION WIRELESS COMMUNICATIONS NETWORKS
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Beschreibung
Zusammenfassung:	A rule set is used to determine at least one rule for authorizing a transaction debiting an account of an authorized user. Subsequently, the account is debited, according to the at least one rule, in real time if the transaction is authorized. The real time debit is settled with transaction providers in accordance with at least one settlement rule. If it is determined that the authorized user does not have sufficient funds in an authorized user account to debit for the transaction, the authorized user account may be recharged by a recharge routine that includes determining a recharge user account to transfer funds from and authorizing the transfer by at least one of referring to a pre-authorized transfer and requesting authorization from the authorized user. The transaction may be requested and the transaction providers may be connected via heterogeneous networks.