WO2007095623A1

WO2007095623A1 - Prepay accounts for applications, services and content for communication devices

Info

Publication number: WO2007095623A1
Application number: PCT/US2007/062249
Authority: WO
Inventors: Stephen A. Sprigg; Brian Minear; Mitchell B. Oliver; Richard Wayne Gardner Iii
Original assignee: Qualcomm Incorporated
Priority date: 2006-02-17
Filing date: 2007-02-15
Publication date: 2007-08-23
Also published as: KR20110061655A; KR101216645B1; RU2542670C2; CN101385323A; RU2014153991A; KR20080102396A; US20070197188A1; JP5550835B2; RU2008137127A; KR101269989B1; US9143622B2; JP2013080485A; IN2014MN00453A; CA2637694A1; JP2009527823A; RU2012134554A; BRPI0707856A2; RU2614579C2; EP1989869A1; JP5657631B2

Abstract

A system and method for managing a billing account including a client device, a transceiver, logic configured to establish at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis; and logic configured to establish at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account.

Description

PREPAY ACCOUNTS FOR APPLICATIONS, SERVICES AND CONTENT FOR COMMUNICATION DEVICES

FIELD

10001} The present invention generally relates towards a system aπci method using prepay accounts for applications, services and content for communication devices. More particularly, the present invention relates to prepay account management for both wireless and non-wireless devices.

DESCRIPTION OF THE RELATED ART j()002| Advances in technology have resulted in smaller ®nά more powerful personal computing devices. For example, there are a variety of portable personal computing devices, including wireless computing devices, such as portable wireless telephones, laptops, personal digital assistants (PDAs) and paging devices that are each small, lightweight, and can be easily carried by users. Iviore specifically, the portable wireless telephones, for example, further include cellular telephones that communicate voice anά data packets over wireless networks. Further, many such cellular telephones are being manufactured with relatively large increases in computing capabilities, and as such_: are becoming tantamount to small personal computers and hand-held PDAs.

[0003] However, these smaller and more powerful personal computing devices are typically severely resource constrained. For example, the screen size, amount of available memory and file system space, amount of input and output capabilities and processing capability may each be limited by the small size of the device. Due to severe resource constraints, it is often typically desirable, for example, to maintain a limited size and quantity of software applications and other information residing on such remote personal computing devices (client devices).

JOO(M] Some of the personal computing devices utilize an application programming interface (API) or application programming interfaces (APIs), sometimes referred to as runtime environments and software platforms, that are installed onto their local computer platform and which are used, for example, to simplify operations of such devices, such as by providing generalized calls for device specific resources. An API is a set of routines used by an application program to direct the performance of procedures used by the computers operating system, fϋϋos] Further, some APIs are also known to provide software developers the ability to create software applications that are fully executable on such devices. In addition, some of such APfs are known to be operationally located between the computing device system software and the software applications such that the computing device system software and the software applications such that the computing device computing functionality is made available to the software application without requiring the software developer to have the specific computing device system source code. Further, some APfs are known to provide mechanisms for secure communications between such personal devices (i.e., clients) and remote devices (Le,, servers) using secure, cryptographic information. f 0006 J Examples of such APIs, some of which are discussed in more detail below, include versions of the Binary Runtime Environment for Wireless ® (BREW®) developed by QUALCøyiV!, Inc., of San Dsegα, California. BREW® can operate with a computing device's (e.g., a wireless cellular phone) operating system, and can. among other features, provide interfaces to hardware features particularly found on personal computing devices. BREW© can also provide these interfaces on such personal computing devices at a relatively low cost with respect to demands on device resources and with respect to the price paid by consumers for devices containing the BREW ® API. Additional features of BREW® include its end-to-end software distribution platform that provides a variety of benefits for wireless service operators, software developers and computing device consumers. At least one such currently available end-to-end software distribution piatform includes logic distributed over a server-client architecture, where the server performs, for example, billing, security, and application distribution functionality, and the client performs, for example, application execution, security and user interface functionality. J0007] In current wireless server-client systems, information can be transmitted to the wireless devices, such as a ceHυiar telephone, by short messaging service (SMS)₁ or other over-the-air methods known in the art. SlVIS messages result only in a disruptive notification (e.g., popup window) to the user before the message goes to a generic inbox, or else the message may be temporarily displayed before being deleted. Conventional SSvIS messages do not take advantage of the advances in the enhanced computing and display capabilities of the wireless clients. ffsOOδ] The foregoing description of the related art is merely intended to provide an overview of some of the known uses of APIs and as an introduction to the BREW® platform, which can used in various embodiments of the invention. However, the invention is not to be construed as being limited to a specific implementation, operating platform or environment

SUMMARY OF THE INVENTION i;oooy] Exemplary embodiments of the present invention are directed towards a system and method using prepay accounts for applications, services and content for wireless and wired communication devices. 10010] At least one embodiment includes a system for managing a billing account includes a client device including a transceiver; logic configured to establish at ieast one primary account wherein the at ieast one primary account represents periodic fees that are charged to the billing account on a periodic basis: and logic configured to establish at least one secondary account wherein the at feast one secondary account represents an amount of prepaid service that is available for the billing account,

[001 ϊ i Another embodiment includes a method for billing prepay accounts including establishing at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis; and establishing at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account.

100151 Another embodiment includes a wireless client device, including a transceiver; a user interface; and a billing manager for managing the at least one primary account and the at ieast one secondary account and wherein the at least one secondary account represents &rs amount of prepaid service. [00.13] Another embodiment includes a computer-readable medium on which is stored a computer program for managing a billing account, the computer program including instructions which, upon being executed by at least one computing device, causes the computing device to perform the process of: establishing at ieast one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis; and establishing at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account

BRIEF DESCRIPTION OF THE DRAWINGS {0014J A more complete appreciation of embodiments of the invention and many of the attendant advantages thereof will be readily obtained as the same becomes better understood by the reference to the following detailed description when considered in connection with the accompanying drawings which are presented solely for illustration and not limitation of the invention, and in which: |00i5| FIG. 1 is a diagram of a wireless network architecture that supports client devices and servers in accordance with at least one embodiment of the invention; |OO16| FiG. 2 is a more detailed diagram of a wireless network architecture that supports the client devices and servers in accordance with at least one embodiment of the invention; [0017{ FIG. 3 is a diagram illustrating a prepay account method in accordance with at least one embodiment of the invention;

[001 &) FIG. 4 is a diagram illustrating a billing manager managing a primary and a secondary account in accordance with at least one embodiment of the invention; and 10019] FiG. 5 is a diagram of a wireless network architecture illustrating a billing manager and client devices in accordance with at least one embodiment of the invention. DETAILED DESCRIPTION OF THE INVENTION

[0020] Various embodiments of the invention are disclosed in the following description and related drawings directed to specific embodiments of the invention. Alternate embodiments may be devised without departing from the spirit and scope of the invention. Additionally, well-known elements of the invention will not be described in detail or will be omitted so as not to obscure the relevant details of the invention.

[0021] The word "exemplary" is used herein to mean "serving as an example, instance, or illustration.^'' Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Likewise, the term "embodiments of the invention" does not require that all embodiments of the invention include the discussed feature, advantage or mode of operation.

[0022] Further, many embodiments are described in terms of sequences of actions to be performed by, for example, elements of a computing device. It will be recognized that various actions described herein can be performed by specific circuits (e.g._: application specific integrated circuits (ASfCs)), by prαgmm instructions being executed by one or more processors, or by a combination of both. Additionally, these sequence of actions described herein can be considered to be embodied entirely within any form of computer readable storage medium having stored therein a corresponding set of computer instructions that upon execution would cause an associated processor to perform the functionality described herein. Thus, the various aspects of the invention may be embodied in a number of different forms, a!) of which have been contemplated to be within the scope of the claimed subject matter, In addition, for each of the embodiments described herein, the corresponding form of any such embodiments may be described herein as, for example, "logic configured to" perform the described action.

[0023] One or more embodiments of the invention can be used in conjunction with a runtime environment (e.g.. API) executing on a computing device. One such runtime environment (API) is the Binary Runtime Environment for Wireless ® (BREW®) software previously discussed. However, one or more embodiments of the invention can be used with other types of runtime environments (APIs) that, for example, operate to control the execution of applications on wireless client computing devices,

[0024J FIG. 1 illustrates a block diagram of one exemplary embodiment of a wireless system 100 in accordance with at least one embodiment of the invention. System 100 can contain client devices, such as cellular telephone 102, in communication across a wireless network 104 with at least one application download server 106 that selectively transmits software applications and components to wireless devices across a wireless communication portal or other data access to the wireless network 104. As shown in FIG. 1, the wireless (client) device can be a cellular telephone 102, a personal digital assistant 108, a pager 110, which is shown here as a two-way text pager, or even a separate computer platform 112 that has a wireless communication portal. The various embodiments of the invention can thus be realized on any form of client device including a wireless communication portal of having wireless communication capabilities, including without limitation, wireless modems, PCMCIA cards, personal computers, access terminals, telephones, or any combination or sub- combination thereof.

100251 The application download server 106 is shown here on a network 116 with other computer elements in communication with the wireless network 104. There can be a stand-alone server 122, and each server can provide separate services and processes to the client devices 102. 108, 110 and 112 across the wireless network 104. There is preferably also at least one stored application database 118 that holds the software applications that are downloadable by the wireless devices 102, 108, 110 and 112. However, those skilled in the art will appreciate that the configuration illustrated in FiG. 1 is merely exemplary. Accordingly, embodiments of the invention can include one or more servers that can each perform all the described functions and contain ail necessary hardware and software, or can contain only selected functionality. [0026 J In FΪG. 2. a block diagram is shown that more fully illustrates system 100, including the components of the wireless network 104 and the interrelation; of the elements of the exemplary embodiments of the invention. System 100 is merely exemplary and can include any system that allows remote client devices. such as wireless client computing devices 102, 108. 110 and 112 to communicate over-the-alr between and among each other and/or between and among components connected via a wireless network 104, including, without limitation, wireless network carriers and/or servers. The application download server 106 and the stored application database 118, along with any other servers such as Ba display server 130 which are used to provide cellular telecommunications services, communicate with a carrier network, through a data link, such as the internet a secure LAN, WAN, or other network, in the embodiment shown, a server 120 can include the application download server 106, ad dispatch server 130 and the stored application database 118. However, these servers can also be independent devices. The ad dispatch server 130 can provide additional ad services based on the configuration of each of the client devices 102, 108_: 110 and 112.

|OO27] The carrier network 200 controls messages (typically sent as data packets) sent to a messaging service controller (iVISC) 202. The carrier network 200 communicates with the MSC 202 by a network, the Internet and/or a public switched telephone network (PSTH). Typically, the network or Internet connection between the carrier network 200 and the MSC 202 transfers data, snά the PSTN transfers voice information- The MSC 202 can be connected to multiple base stations (BTS) 204. {n a similar manner to the earner network, the IvISC 202 is typically connected to the BTS 204 by a network, the internet anάfor PSTN for data transfer and/or voice information. The STS 204 can broadcast data messages wirelessiy to the client devices, such as cellular telephone 102, by short messaging service (SMS), UDP datagrams, or other over-the~air (OTA) methods known in the art. The term "APi-direct", "directed SMS" and "BREW-directed SivlS" are used interchangeably in the following description to indicate an OTA message that includes coding to launch an application resident on the ciient device. Likewise, the terms "advertisement", "ad", "announcement", and "message" ύrn used interchangeably to indicate information and/or instructions sent to a client device.

|^'0028| The client device, (here a wireless client computing device), such as a cellular telephone 102, has a computer platform 206 that can receive and execute software applications and/or commands transmitted form the application download server 106. ad dispatch server 130 and/or server 120. The computer platform 206 can include an application specific integrated circuit (ASiC) 208, or other processor,, microprocessor: logic circuit, or other data processing device. The AStC 208 or other processor executes the APi 210 layer that interfaces with any resident programs in the memory 212 of the wireless device. The memory 212 can be comprised of read-only or random- access memory (RAM and ROIVl)₅ EEPRCWK flash cards_! or any memory common to computer platforms. The APf 210 also includes a Carrier Announcement Manager module (CAM) 310 containing logic configured to process special OTA (e.g., SJvIS) ads transmitted from the carrier network 200. The computer platform 206 also includes a local database 214 that can hold applications not actively used in memory 212. The local database 214 is typically a flash memory eel!, but can be any secondary storage device as know to those skilled in the art, such as magnetic media, EPROiVI₁ optica! media, tape, soft or hard disk, or the like.

[0029] The wireless client computing device, such as cellular telephone 102, has installed on it or otherwise downloads, one or more software applications, such as games, news, stock monitors, and the like. For exampie_; the cellular telephone 102 may receive one or more software applications downloaded from the application download server 106. The software applications may be stored on the local database 214 when not in use. The cellular telephone 102 or other wireless computing device may upload resident applications stored on the local database 214 to memory 212 for execution on the AP! 210 when so desired by the user or invoked by another API.

|0030] As used herein "client device", "wireless device" or "client computing device³' includes, for example, one or more processing circuits executing resident configured logic, where such computing devices include, for example, microprocessors, digital signal processors (DSPs), microcontrollers, portable wireless telephones, personal digital assistants (PDAs),, and paging devices, or any suitable combination of hardware, software and/or firmware containing processors and logic configured to at least perform the operations described herein directed to ads communicated between a client device and a server. The client computing device can be serviced by at least one remote server with respect to at least such ads. Some examples of "wireless computing devices" which may be used in accordance with various embodiments of the present invention includes cellular telephones or other wireless communication units, PDAs, laptops, paging devices, navigation devices (e.g., GPS-based systems), handheld gaming devices, music or video content download units, and other like wireless communication devices.

[^'0031 ] The wireless communication between the client device 102 and the BTS 204 can be based on different technologies, such as code division multiple access (COIVIA)₁ time division multiple access (TOiVlA), frequency division multiple access (FO(VIA)₁ the global system for mobile communications (GSM)₁ or other protocols that may be used In a wireless communications network or a data Communications network- The data communication is tipically between the client device 102, BTS 204, and JVlSC 202. The MSC 202 can be connected to multiple data networks such as the carrier network 200, PSTN, the Internet, a virtual private network, and the like, thus allowing the client device access to a broader communication network. As discussed in the foregoing, in addition to voice transmission, data can be transmitted to the client device via SMS or other OTA methods known in the art.

{0032| In FlG. 3_} one exemplary embodiment of the usage of prepay accounts is illustrated. In this scenario, a plurality of functions sm performed \r\ a wireless communication system which includes a client device including a transceiver anά logic configured to perform various functions. Those skilled in the art will appreciate that the various embodiments discussed may also be implemented in a non-wireless communication system (e.g. a laπdJine telephone). I0033] A primary account is established 302 for a particular user. For example, the primary account 302 may represent the monthly fees and charges associated with a users mobile telephone account. \n addition to the primary account 302, at least one secondary account 304 is also established and associated with the same user's primary account. In this particular example., the secondary account 304 may contain a prepay amount for the holder of the primary account to use for some other service (e.g. a game, data content subscription etc). I_.0034J !π an embodiment where data content delivery and usage predominates over voice telephony usage_., those skilled in the art will appreciate that the primary account (e.g. telephony) may be established as the secondary account and the secondary account (e.g data services) may be established as a primary account, without departing from the spirit and scope of the present invention. The idea is that one account may be used and applied for one given service and another separate account may be used and applied for another separate service.

|0035) Charges against both the primary account and the secondary account &re managed. For simplicity, FfG. 3 shows the management of the secondary account, but it will be understood that related account management techniques may be used in conjunction with the primary account. Charges that are being made against the secondary account 304 are monitored to ascertain how much of the account value has been used or expended and how much of the account value is remaining 3G6.

}Xκ)36] The user may then draw against the charges and monitor the prepay amount that is remaining in the secondary account 304. Once the funds in the secondary account have been exhausted, the user can no longer incur charges against the secondary account until further action is taken. One option is that the secondary account 308 may be replenished (if desired) at that point in time when there is no remaining vaiue in the account or at some other time to increase the amount of prepay that is available or bring it up to a threshold value level. Another option is that the account may remain unfunded indefinitely, or until a future date that the secondary account will be replenished in total or in part,

[0037! The following example illustrates one exemplary implementation scenario. A parent may be paying the monthly phone charges in a primary account for a child to use and make calls on a particular mobile telephone that the child has be&n given the rights anά privileges to use by the parent. The monthly phone charges are associated, grouped and managed as belonging iα the primary account under an identifier [such as a subscriber identification (SID)] for that particular teiephone and associated with the primary account. π

J003SJ As an example of a secondary account, the parent funds an additional $10 worth of prepaid charges in a secondary account that is associated with that SfO and particular telephone for playing a particular Game X that the child has enjoyed playing in the past or expressed an interest ϊπ p laying in the future. In other words, that particular child has $10 worth of charges to piay Game X. Then, the child may play that game until the $10 limit has been attained. Subsequent game playing may occur only when additional funds are deposited into the secondary account, f0059| in another example, the prepay amount in the account can be for the generic group of games in general and then the child can subailocate the prepay amount against a plurality of different games that are authorized or part of the accounts. Another example of a secondary account would be for $20 worth of multimedia clip downloads of sports, entertainment or educational content.

|0040l The concept is that there is a secondary account that is separate from the primary account and this secondary account can be used to fund additional charges for some other type of data service that is accessible on that particular wireless device.

[00411 In another example, the primary account is associated with the charges for a high speed data content delivery system (e.g., a high speed Internet connection). In this example, the secondary account would be a $20 subscription to a stock or commodity research service and news source with advanced charting functions.

{0042 J Those skilled in the art wiil appreciate that different primary accounts can be set up with different permutations of secondary accounts and; vice versa. Also, there can be a third, a fourth, fifth and so on accounts used in conjunction with the primary account without departing from the spirit and scope of the present invention as presented herein.

[0043J The use of multiple accounts allows third parties to fund the multiple accounts and introduce the user to different applications, data services and data content that they might otherwise not be exposed to. This both enriches the user ultimate experience and provides a vehicle for others (e.g. game developers) the ability to get a prospective user hooked on a particular game and generate future revenue streams from new product releases. [0044] In another embodiment, the at least one primary account and the at least one secondary account are linked or related together and the respective account values in both accounts are managed in a predetermined way, {0045 j FIG. 4 is a diagram illustrating a billing manager 404 managing a primary 400 and a secondary account 402 in accordance with at least one embodiment of the invention. The billing manager 404 can perform many different operations relating to billing. For example,, the billing manager 404 may monitor accounts, manage accounts and enable account fund transfers between the primary account 400 and the secondary account 402, J0046J For example, let us say that the parent does not want to pay more than $100 total for the combined charges of the primary and secondary accounts. The parent allocates $60 per month in the primary account for telephone charges and $40 per month in the secondary account for game charges (for the $100 total referred to above). If the child demonstrates control and restraint regarding their phone usage and only spends $30 dollars per month in the primary account, the remaining $30 portion that was not used (or some portion thereof) in the primary account may be added or transferred to the $40 dollar amount funded sn the secondary account for a total of $70 in the secondary account The end result is that the $100 combined limit that the parent had established for both accounts has not been exceeded and all the parties involved in the transaction are happy.

|0047| FiG- 5 is a diagram of a wireless network architecture illustrating a billing manager and client devices in accordance with at least one embodiment of the invention. A billing manager 540 is operably coupled to at least one server (not illustrated} capable of supporting billing operations. The configuration shown in FlG. 5 shows allows for a billing manager 540 to access different carrier networks 550, 560 and ultimately the different client devices 552, 562 in communication with each network. This enables a billing manager 540 to access multiple client devices (e.g,, 552. 562} residing on multiple carrier networks (e.g., 550, 560). ft should be understood that the billing manager operations may be performed in a central location (e.g. the billing manager) or the billing manager operations may be performed in a decentralized manner within each client device, or a combination of centralized and decentralized operations apportioned between the billing manager 540 and multiple client devices 552, 562.

|004βj In further embodiments, those skilled in the art will appreciate that the foregoing methods can be implemented by the execution of a program embodied on a computer readable medium_! such as the memory of a computer platform. The instructions can reside in various types of signal-bearing or data storage primary, secondary or tertiary media. The media may comprise, for example, RAM accessible by, or residing within, the client device and/or server. Whether contained in RAM, a diskette, or other secondary storage media, the instructions may be stored on a variety of machine-readable data storage media, such as direct access storage device (DASD) storage (e.g., a conventional "hard drive" or a RAID array), magnetic tape, electronic read-only media (e.g., ROM, or EEPROM), flash memory cards, an optical storage device (e.g. CD-ROM, WORM, DVD₅ digital optical tape), paper "punch" cards, or other suitable data storage media including digital and analog transmission media. |0049] The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to those embodiments will be readily apparent to those skilled In the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

[0050] While the foregoing disclosure shows illustrative embodiments of the invention, it should be noted that various changes and modifications could be made herein without departing from the scope of the invention as defined by the appended claims. The activities or steps of the method claims in accordance with the embodiments of the invention described herein neeά not be performed in any peculiar order. Furthermore, although elements of the invention may be described in the singular, the plural is contemplated unless the limitation to the singular is explicitly stated.

Claims

CLAIMS What is claimed is:

1. A system for managing a billing account comprising: a client device comprising: a transceiver logic configured to establish at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis; and logic configured to establish at least one secondary account wherein the at feast one secondary account represents an amount of prepaid service that is available for the biiiing account.

2. The system of claim 1 , further comprising: logic configured to process periodic fees charged on a monthly basis.

3. The system of ciaim 1_: further com prising: logic configured to process an amount of a prepaid service for an application.

4. The system of ciaim 1_: further comprising: logic configured to process an amount of a prepaid service for a provided data content.

5. The system of claim 1 , further comprising: iogic configured to link the at least one primary account and the at least one secondary account and to manage both a primary account value and a secondary account value in a predetermined way.

6. A method for billing prepay accounts comprising: establishing at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis: and establishing at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account.

7. The method of claim 6, wherein the periodic fees are charged to the account on a periodic basis.

8. The method of claim 7, wherein the periodic fees are charged on a monthly basis.

9. The method of cϋaim 6. wherein the at least one secondary account represents an amount of a prepaid service.

10. The method of claim 7, wherein the amount of a prepaid service is for an application.

11. The method of claim 6. wherein the amount of a prepaid service is for a provided content.

12. A wireless client device, comprising: a transceiver; a user interface; and a billing manager for managing the at least one primary account and the at least one secondary account and wherein the at least one secondary account represents an amount of prepaid service.

13. The client device of claim 12, wherein the client device is at least one of a wireless computing device, a wireless telephone, a laptop, a cellular telephone, a personal digital assistant (PDA), and a paging device.

14. A computer-readable medium on which is stored a computer program for managing a billing account,, the computer program comprising instructions which., upon being executed by at least one computing device, causes the computing device to perform the process of: establishing at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis: and establishing at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account.

15. The computer-readable medium of claim 14, further comprising processing periodic fees that are charged on a monthly basis.

16. The computer-readable medium of claim 14. further comprising processing an amount of a prepaid service for an application.

17. The computer-readable medium of claim 14, further comprising linking the at least one primary account and the at least one secondary account and managing both a primary account value and a secondary account value in a predetermined way.

18. A server for enabling a billing account comprising: means for establishing at least one primary account wherein the at least one primary account represents periodic fees that are charged to the billing account on a periodic basis; and means for establishing at least one secondary account wherein the at least one secondary account represents an amount of prepaid service that is available for the billing account.

19. The server of claim 18, further comprising means for processing periodic fees that are charged on a monthly basis.

20. The server of daim 18, further comprising means for processing an amount of a prepaid service for an application.

21. The server of claim 18, further comprising means for linking the at least one primary account and the at least one secondary account and means for managing both a primary account value and a secondary account value in a predetermined way.