A system and method for providing top-up of mobile data, by processing one or more transactions between a data sponsor and a data beneficiary who is possibly being served by multiple data providers. The top-up can be based on i) an application program interface (API) call being made into the mobile network operator of a data user or ii) an API call being made into a sponsored data (SD) platform/system (SDS) to allocate a quota to the data user, among other possible product options. In the first option, provisioning of the data quota and consumption against the quota is managed directly by the mobile network operator itself. In the second option, allocation of the quota and consumption against the quota is managed by the SDS and an SD control app. The system can select a particular option because that option best meets one or more business goals or rules.

The present invention comprises a system and method for providing a personal identification number (PIN) to a client terminal over a computer network. In accordance with one aspect of the present invention, a host connection manager receives a request for a PIN, which is associated with a particular monetary value. The host connection manager transmits the request for the PIN to a server, and the host connection manager receives the PIN from the server. In addition, the host connection manager is adapted to receive a client request indicative of the particular monetary value. The client request is generated at the client terminal and is transmitted from the client terminal to the host connection manager. In response to the client request, the host connection manager sends the PIN associated with the particular monetary value to the client terminal.

A mobile communications device receives an indication of a balance from a server when establishment of a voice call or sending of a message is requested. The mobile communications device determines whether the balance is sufficient to place the voice call or send the message over a mobile network. If the balance is sufficient to place the voice call or send the message over the mobile network, the voice call is established or the message is sent under normal operating conditions. If the balance is insufficient to place the voice call or send the message over the mobile network, a grace period is activated and the voice call is established or the message is sent during the grace period over an available wireless local-area network.

A system and method for providing top-up of mobile data, by processing one or more transactions between a data sponsor and a data beneficiary who is possibly being served by multiple data providers. The top-up can be based on i) an application program interface (API) call being made into the mobile network operator of a data user or ii) an API call being made into a sponsored data (SD) platform/system (SDS) to allocate a quota to the data user, among other possible product options. In the first option, provisioning of the data quota and consumption against the quota is managed directly by the mobile network operator itself. In the second option, allocation of the quota and consumption against the quota is managed by the SDS and an SD control app. The system can select a particular option because that option best meets one or more business goals or rules.

A transaction processing platform capable of facilitating the distribution to consumers of various types of prepaid products is disclosed. The transaction processing platform is configured to interface with one or more providers of such prepaid products in order to facilitate the procurement or activation of the products. The platform includes a conduit interface through which service request messages are received and respectively utilized to generate transaction requests for corresponding types of prepaid services. A supply interface arrangement, operatively coupled to the conduit interface, is configured to route a first of the transaction requests through a first supply interface associated with a first type of prepaid service. The supply interface arrangement also routes a second transaction request through a second supply interface associated with a second type of prepaid service. The platform is also configured to provide supplier response information received through the supply interfaces to the conduit interface.

A recharge method includes: monitoring a balance of a living expense account, wherein the living expense account is an account for obtaining life service resource by paying fees, and the balance is indicative of remaining funds in the living expense account and/or a remaining amount of the life service resource in the living expense account; and recharging the living expense account according to a preset recharge path when the balance is less than or equal to a preset threshold value.

A method is implemented in a credit control server (CCS). The method includes receiving, at the CCS from a credit control client (CCC), a message associated with a multiple services credit control (MSCC) session, where the message includes a request for service units associated with a service account. The method further includes determining, at the CCS, that insufficient service units are available in the service account and notifying the CCC that service units need to be added to the service account. The method also includes maintaining, at the CCS, MSCC session related parameters while the CCC adds service units to the service account.

A mobile communications device receives an indication of a balance from a server when establishment of a voice call or sending of a message is requested. The mobile communications device determines whether the balance is sufficient to place the voice call or send the message over a mobile network. If the balance is sufficient to place the voice call or send the message over the mobile network, the voice call is established or the message is sent under normal operating conditions. If the balance is insufficient to place the voice call or send the message over the mobile network, a grace period is activated and the voice call is established or the message is sent during the grace period over an available wireless local-area network.

A mobile communications device receives an indication of a balance from a server when establishment of a voice call or sending of a message is requested. The mobile communications device determines whether the balance is sufficient to place the voice call or send the message over a mobile network. If the balance is sufficient to place the voice call or send the message over the mobile network, the voice call is established or the message is sent under normal operating conditions. If the balance is insufficient to place the voice call or send the message over the mobile network, a grace period is activated and the voice call is established or the message is sent during the grace period over an available wireless local-area network.