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Simon James Joyce, Murali Goparaju, Sundaram Mohan Kumar, Radhakrishnan Subhashree, Michel Heitstuman: Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account. Upaid Systems, Staas & Halsey, July 24, 2007: US07248855 (84 worldwide citation)

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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