US 10,951,776 B2Granted

Method and system for least cost routing (LCR) of international mobile telephone calls with an integrated money transfer facility

AssigneeCall4Mexico, LLC

InventorsVictoria Feldman, Slavek Fitinbiviesky, Yossi Avraham, Alex Pritsert, Ruben Ashel Miskevski, Patrick Cannon, Philip Chasmar

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Abstract

A method and system for least cost routing for mobile telephone calls between the United States and Mexico in such a way so that the call is separated into several call legs and the international portion or call leg is routed via a low-cost or no-cost route independently of the local call legs, essentially achieving an international call with local call rates. This uses a SIM card that automatically identifies any incoming or outgoing call and provides the ability to convert the call from an expensive international and/or roaming call to a local (free) call. Several slight variations are disclosed, and all embodiments have an integrated money transfer service that can be used with a very simple low-cost basic mobile phone using IVR, SMS and voice recognition, or can be accessed via the web or via a smartphone app.

Claims3

Dependent claims

A method for transferring money between a country and a foreign country, comprising the steps of:

pre-establishing a target area code in foreign country;
and
programming a SIM card with computer instructions for carrying out the substeps of,
recognizing that a call to a destination number is being initiated to said target area code,
completing the call over a data connection via Session Initiation Protocol (SIP);
communicating SIP call control information to a local control center including called number, calling number, HLR and VLR information,
said local control center carrying out the steps of;
recognizing and authenticating said calling number and terminating and parking said call,
formulating a call setup request to the called number in said foreign country,
automatically determining a plurality of lowest cost routing options,
transmitting said routing options and their costs to the SIM card application,
initiating a new call to the destination number via a selected routing option,
terminating on the destination number,
merging the parked call and with the call terminating on the destination number, and
transferring funds on said the call terminating on the destination number,
to any one of an electronic wallet, a debit card, a bank account, or a physical location.

13 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/517,055Filed 19 Jul 2019 · continuation
Priority: 25 Jul 2017
Published: US 2020/0162620 A121 May 2020
Granted: 16 Mar 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification26 codes

H04M 15/8044
Rating or billing plans; Tariff determination aspects: least cost routing
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/16
Payment architectures: payments settled via telecommunication systems
G06Q 20/3223
Aspects of commerce using mobile devices [M-devices]: realising banking transactions through M-devices

Family

Application62/536,757Us provisional application · filed 25 Jul 2017
Application16/045,308Parent of this continuation · filed 25 Jul 2018
US 2020/0162620 A1Pre-grant publication · published 21 May 2020
US 10,362,178 B2Parent of this continuation
US 2019/0141197 A1Published application
US 10,951,776 B2This patent

From the US filing history. Foreign family members aren’t listed.