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 method, computing system, and computer program product are provided. A processor of a computer system estimates an amount of bandwidth to be used to complete a transaction based on a usage history. Responsive to determining that the amount of the estimated bandwidth to be used exceeds a predefined threshold of an amount of available bandwidth and to determining that an account has any offers for additional bandwidth at no additional cost, the amount of available bandwidth is automatically recharged using at least some of the any offers until either the any offers are exhausted or the estimated amount of the bandwidth to be used would be less than the predefined threshold. When the estimated amount of the bandwidth to be used continues to exceed the predefined threshold, the bandwidth is automatically recharged using an advanced amount of bandwidth to increase a likelihood that the transaction will complete successfully.

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 method, computing system, and computer program product are provided. A processor of a computer system estimates an amount of bandwidth to be used to complete a transaction based on a usage history. Responsive to determining that the amount of the estimated bandwidth to be used exceeds a predefined threshold of an amount of available bandwidth and to determining that an account has any offers for additional bandwidth at no additional cost, the amount of available bandwidth is automatically recharged using at least some of the any offers until either the any offers are exhausted or the estimated amount of the bandwidth to be used would be less than the predefined threshold. When the estimated amount of the bandwidth to be used continues to exceed the predefined threshold, the bandwidth is automatically recharged using an advanced amount of bandwidth to increase a likelihood that the transaction will complete successfully.

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 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 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 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 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 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.