A processing system deployed in a telecommunication network may obtain data records including data associated with subscribers, cluster the subscribers into a plurality of clusters in accordance with the data, identify a first set of subscribers enrolled in automated clearing house (ACH) payment agreements, and identify a second set of subscribers not enrolled in ACH payment agreements, calculate distance measures for the second set of subscribers, where for each respective subscriber of the second set of subscribers, the distance measures include a respective distance measure of the respective subscriber to a feature centroid for a subset of the first set of subscribers in a same cluster as the respective subscriber, select a subset of the second set of subscribers based upon the plurality of distance measures for receiving an offer in an ACH payment agreement, and present communications to the subset of the second set of subscribers with the offer.

Systems, methods, and computer program products for provisioning a temporary disposable number are described. A user can be provided with a pool of available temporary disposable numbers that have a limited shelf life. The user can select one of the available temporary disposable numbers while submitting a permanent phone number associated with a communications device (e.g., mobile phone, home phone, business phone, etc.). Prior to activating the selected temporary disposable number, the temporary disposable number is linked to the permanent phone number. After activation, when an incoming call to the temporary disposable number is received, the permanent phone number is identified to be associated with the temporary disposable number being called. The incoming call is then forwarded to the communications device on which the permanent phone number is established.

A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

The present invention discloses methods and systems for communicating at a cellular router between a first wireless communication module and a first subscriber identity module (SIM). The cellular router receives a first request from a first wireless communication module and encapsulates the first request in a first modified request. The cellular router then sends the first modified request to a first SIM card in a first communication apparatus and waits for a first modified reply. While waiting for the first modified reply the cellular router sends at least one halt message to the first wireless communication module after a first time threshold. After receiving the first modified reply, the cellular router decapsulates the first modified reply to retrieve a first reply and sends the first reply to the first wireless communication module where the first modified reply is a reply to the first modified request.

System and methods are disclosed that improve the speed, efficiency and usefulness of providing telecommunication service by computerized telecommunication service. In some embodiments, systems and methods described herein enable a user to receive the telecommunication service to a mobile device of the user, such as by adding data service, minutes and/or text messages to the prepaid plan, in response to having an advertisement played on or otherwise delivered via the mobile device. An ad may be displayed or otherwise played on the mobile device or inserted into messages sent by the user via the mobile device for the user to receive minutes, data or texts added to their prepaid plan. The service carrier may split compensation received from an advertiser for playing an ad on a customer's device between the service carrier and the customer.

A system and method for the real-time management of a device, and more particularly to the establishment and enforcement of policies or rules associated with the feature or functions that may be performed with the device, such as making and receiving calls, exchanging data, playing games and music, sending and receiving email, accessing web sites, and paying for goods and services. If a child or employee is using the device, there may be a need to regulate how that device can be used and to determine who will pay for what goods or services. In addition to providing all of the features associated with a device, service providers need to be able to establish and enforce rules (policies) regulating how and when that device can be used and who will pay for a good or service requested by the user of the device.

A system and method for the real-time management of a device, and more particularly to the establishment and enforcement of policies or rules associated with the feature or functions that may be performed with the device, such as making and receiving calls, exchanging data, playing games and music, sending and receiving email, accessing web sites, and paying for goods and services. If a child or employee is using the device, there may be a need to regulate how that device can be used and to determine who will pay for what goods or services. In addition to providing all of the features associated with a device, service providers need to be able to establish and enforce rules (policies) regulating how and when that device can be used and who will pay for a good or service requested by the user of the device.

Asynchronous and/or synchronous zero charge telephony protocol systems and methods may include an asynchronous signaling switch and/or a call duration time quota from a synchronous charging onset to place and complete a call. A first device call request is received with a second device mobile address. The asynchronous systems include instructions to automatically modify the mobile address with a routing prefix when the first device has insufficient balance or independent of balance, route to the asynchronous signaling switch based on an associated modified address trunk path, revert the modified call signal at the asynchronous signaling switch to the call signal, and deliver and automatically disconnect the call immediately when the call is completed. The synchronous systems include instructions to automatically set the call duration time quota upon insufficient balance, and deliver and automatically disconnect the call from the second user mobile device when the call is completed and the call duration time quota is exceeded.

A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.

A method and an apparatus for information exchange in online charging in order to reduce frequency of information exchange between a Charging Trigger Function (CTF) device and an Online Charging System (OCS), and reduce a pressure of information transmission between the CTF device and the OCS, where the method includes receiving, by a CTF device, a credit control answer (CCA) message that carries a non-real-time Trigger and sent by an OCS, recording, by the CTF device, charging information before and after a corresponding event of the non-real-time Trigger happens each time before sending a credit control request (CCR) message to the OCS next time, and sending, by the CTF device, the CCR message to the OCS.