There is provided a method for relaying a sensitive information detail during a telephone call between a user's telephone and a recipient's telephone, the user's telephone storing the sensitive information detail therein, the method comprising: initiating a telephone call between the user and the recipient; the user's telephone receiving a predetermined input; during the telephone call, the user's telephone accessing the sensitive information detail stored in the user's telephone based on the predetermined input; and the user's telephone audibly relaying to the recipient the accessed sensitive information detail, wherein audibly relaying to the recipient the accessed sensitive information detail comprises the user's telephone converting, using at least one text-to-speech algorithm, the accessed sensitive information detail to an audible message containing the sensitive information detail and audibly relaying the audible message during the telephone call.

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 and methods for identifying solicitations of personally identifiable information (PII) are disclosed. An example method includes generating training data based on historical transcript data corresponding to solicitations of PII in historical support call transcripts, training a neural network, using the training data, to identify solicitations of PII in support call transcripts, and processing the trained neural network for deployment.

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.

Systems and methods are disclosed to facilitate payment of a restaurant bill via text message. For example, a text message having a restaurant bill code may be sent from a customer device to an MPS phone number. A restaurant network address may be extracted for a restaurant computing system. A query may be sent to the restaurant computing system using the restaurant network address with the restaurant bill code. In response, the restaurant computing system may send restaurant bill data that includes least one restaurant menu item, a price for the at least one restaurant menu item, and a total bill amount. A unique URL may be created that when entered into a web browser presents a webpage that includes at least the restaurant bill data. The unique URL may be used by the customer to pay the restaurant bill.

Systems and methods are disclosed to facilitate payment of a restaurant bill via text message. For example, a text message having a restaurant bill code may be sent from a customer device to an MPS phone number. A restaurant network address may be extracted for a restaurant computing system. A query may be sent to the restaurant computing system using the restaurant network address with the restaurant bill code. In response, the restaurant computing system may send restaurant bill data that includes least one restaurant menu item, a price for the at least one restaurant menu item, and a total bill amount. A unique URL may be created that when entered into a web browser presents a webpage that includes at least the restaurant bill data. The unique URL may be used by the customer to pay the restaurant bill.

There is provided a method of implementing a payment in relation to a telephone call between a customer and a merchant/service provider, the telephone call consisting of signalling and media components. The method comprises, when establishing the telephone call, routing the signalling component to the merchant/service provider via a payment service system and routing the media component directly to the merchant/service provider. The method further comprises, at a communication management system of the merchant/service provider, sending an indication that the customer is required to make a payment to the payment service system and, at the payment service system, upon receipt of the indication, using the signalling component to implement a redirection of the media component via the payment service system, extracting payment details of the customer from the redirected media component, and providing the payment details to a payment processing system to action the payment.

The invention relates to a method and system that processes a plurality of transactions shared by a group of members. A mobile device comprises: a memory; and a computer processor, coupled to the memory, programmed to: identify a plurality of members of a group sharing an event; identify a plurality of transactions made by each member of the group; determine whether each transaction is relevant to the event; automatically add each relevant transaction to the group; automatically categorize each transaction into a category associated with the event; and access, via an interactive display on the mobile device, a running total of expenses associated with the event and an individual share for a member of the group at a point in time.

A process for authorizing wireless service includes providing a generally rectangular flat form factor card having a first surface and opposing second surface. The process further includes providing a machine-readable activation code arranged on the first surface, wherein the machine-readable activation code is configured to authorize the wireless service when provided to a system associated with a wireless service provider, receiving the machine-readable activation code in a server, the machine-readable activation code being captured by a wireless device, and provisioning the wireless service to the wireless device from a wireless network when the machine-readable activation code is provided to the system associated with the wireless network.

There is provided a method for relaying a payment card detail during a telephone call between a customer's telephone and a vendor's telephone, the customer's telephone storing the payment card detail therein, the method comprising: initiating a telephone call between the customer and the vendor; the customer's telephone receiving a predetermined input; during the telephone call, the customer's telephone accessing the payment card detail stored in the customer's telephone based on the predetermined input; and the customer's telephone audibly relaying to the vendor the accessed payment card detail, wherein audibly relaying to the vendor the accessed payment card detail comprises the customer's telephone converting, using at least one text-to-speech algorithm, the accessed payment card detail to an audible message containing the payment card detail and audibly relaying the audible message during the telephone call.