In some embodiments, a client driven referral management method may include: receiving the credentials of a member through a user device and a remote member through a user device; recording the consent of the member and the remote member to a referral fee agreement; associating a client with the member on the server when the client provides registration data to the server using a user device; recording real estate information browsing data and location data of the client with the user device of the client; assigning the remote member to the client, in which the remote member may be assigned by the server using the real estate information browsing data and location of client with the user device of the client; and notifying the member through a user device of the member of a real estate transaction involving the remote member and the client.

A system that incorporates teachings of the subject disclosure may include, for example, a method for facilitating, at a system including at least one processor, establishment of a communication session with a device coupled to a Universal Integrated Circuit Card (UICC) by way of network equipment of a default Mobile Network Operator (MNO), receiving, at the system, information descriptive of an MNO selection, selecting, at the system, from a database of credentials of a plurality of MNOs first credential information according to the received information, wherein the first credential information is associated with a first MNO of the plurality of MNOs, and transmitting, from the system, the first credential information to the UICC over the communication session by way of the device to cause the UICC to facilitate establishment of communications with network equipment of the first MNO according to the first credential information. Other embodiments are disclosed.

A method for managing subscriptions on a security element for a mobile end device comprises the following steps: for each subscription of a plurality of subscriptions a quality of service is determined. On the basis of the qualities of service determined for the individual subscriptions a subscription is selected. The selected subscription is subsequently employed for a data communication of the end device with a corresponding communication partner. The method is wherein the managing of the subscriptions is controlled at least partly by an external subscription management device which is distinct from the security element and the end device.

A system that incorporates teachings of the subject disclosure may include, for example, a method for facilitating, at a system including at least one processor, establishment of a communication session with a device coupled to a Universal Integrated Circuit Card (UICC) by way of network equipment of a default Mobile Network Operator (MNO), receiving, at the system, information descriptive of an MNO selection, selecting, at the system, from a database of credentials of a plurality of MNOs first credential information according to the received information, wherein the first credential information is associated with a first MNO of the plurality of MNOs, and transmitting, from the system, the first credential information to the UICC over the communication session by way of the device to cause the UICC to facilitate establishment of communications with network equipment of the first MNO according to the first credential information. Other embodiments are disclosed.

A security element of a mobile device comprises a service-provider network subscription associated with a service provider. The security element is arranged such that the service-provider subscription is employable parallel to a user network subscription installed on the security element. A service associated with the service provider thus becomes utilizable on the basis of the service-provider subscription, independently of a user subscription that might be present on the same security element.

A system that incorporates teachings of the subject disclosure may include, for example, a method for facilitating, at a system including at least one processor, establishment of a communication session with a device coupled to a Universal Integrated Circuit Card (UICC) by way of network equipment of a default Mobile Network Operator (MNO), receiving, at the system, information descriptive of an MNO selection, selecting, at the system, from a database of credentials of a plurality of MNOs first credential information according to the received information, wherein the first credential information is associated with a first MNO of the plurality of MNOs, and transmitting, from the system, the first credential information to the UICC over the communication session by way of the device to cause the UICC to facilitate establishment of communications with network equipment of the first MNO according to the first credential information. Other embodiments are disclosed.

Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.

In some embodiments, a client driven referral management method may include: receiving the credentials of a member through a user device and a remote member through a user device; recording the consent of the member and the remote member to a referral fee agreement; associating a client with the member on the server when the client provides registration data to the server using a user device; recording real estate information browsing data and location data of the client with the user device of the client; assigning the remote member to the client, in which the remote member may be assigned by the server using the real estate information browsing data and location of client with the user device of the client; and notifying the member through a user device of the member of a real estate transaction involving the remote member and the client.

A security element of a mobile device comprises a service-provider network subscription associated with a service provider. The security element is arranged such that the service-provider subscription is employable parallel to a user network subscription installed on the security element. A service associated with the service provider thus becomes utilizable on the basis of the service-provider subscription, independently of a user subscription that might be present on the same security element.

A system and a method for an automated sign up and creation of an account of a new customer via mobile wireless device of a customer in a payment system on a global computer network is described. The system is automated in that it eliminates login using user id and password and use of forms to provide personal data.