Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.

Abstract: A method and system for controlling the provisioning of a device with information for accessing services of a wireless service provider via a wireless network is provided. The provisioning system initially stores automatic provisioning information on the device that includes the identification of wireless service providers that have the capability to automatically provision the device. When a user of the device wants to subscribe to a service of a service provider, the provisioning system requests an automatic provisioning service of the service provider to provide information describing available services and information needed to subscribe to those services. When the user selects a service and provides the needed information, the provisioning system retrieves provisioning information for the selected service from the service provider. The provisioning system stores the provisioning information on the device so that the device can then be used to access the selected service of the service provider.

Abstract: A method and system for controlling the provisioning of a device with information for accessing services of a wireless service provider via a wireless network is provided. The provisioning system initially stores automatic provisioning information on the device that includes the identification of wireless service providers that have the capability to automatically provision the device. When a user of the device wants to subscribe to a service of a service provider, the provisioning system requests an automatic provisioning service of the service provider to provide information describing available services and information needed to subscribe to those services. When the user selects a service and provides the needed information, the provisioning system retrieves provisioning information for the selected service from the service provider. The provisioning system stores the provisioning information on the device so that the device can then be used to access the selected service of the service provider.

Abstract: A method and system for controlling the provisioning of a device with information for accessing services of a wireless service provider via a wireless network is provided. The provisioning system initially stores automatic provisioning information on the device that includes the identification of wireless service providers that have the capability to automatically provision the device. When a user of the device wants to subscribe to a service of a service provider, the provisioning system requests an automatic provisioning service of the service provider to provide information describing available services and information needed to subscribe to those services. When the user selects a service and provides the needed information, the provisioning system retrieves provisioning information for the selected service from the service provider. The provisioning system stores the provisioning information on the device so that the device can then be used to access the selected service of the service provider.

Abstract: A cellular telephone clock is automatically set to correlate to a timestamp contained in a Short Messaging Service (SMS) status report. Accordingly, an exemplary cell phone clock can be properly set any time the cell phone receives a status report. By setting the cell phone device time to correlate to the world time, the exemplary cell phone clock can be automatically set, without requiring any action by the user and without requiring a special time set control message. When the cell phone transmits an SMS message, the cell phone stores the device time corresponding to the time that the message was sent (DTS). When a status report is received, the exemplary cell phone stores the device time corresponding to the time that the status report was received (DTR). Additionally, the cell phone stores the world time that is included in the status report by the SMSC that handled the message (WT).

Abstract: Fragmentation and reassembly of a multi-part message for communication over a cellular network. When transmitting a multi-part message, a calling application issues a function call to a short messaging layer via a standardized interface. The function call represents a request to transmit the message. A short messaging layer divides the message into fragments of limited size that meet the size requirements of the cellular network. Each of the short messages is then transmitted across the cellular network. When receiving a multi-part message, a short messaging layer at the receiving device receives various short message fragments corresponding to the multi-part message. The short messaging layer then reassembles the short message fragments into the multi-part message, and then passes the reassembled multi-part message to the receiving application. The short message layer also presents a consolidated delivery report if requested.

Abstract: A cellular telephone clock is automatically set to correlate to a timestamp contained in a Short Messaging Service (SMS) status report. Accordingly, an exemplary cell phone clock can be properly set any time the cell phone receives a status report. By setting the cell phone device time to correlate to the world time, the exemplary cell phone clock can be automatically set, without requiring any action by the user and without requiring a special time set control message. When the cell phone transmits an SMS message, the cell phone stores the device time corresponding to the time that the message was sent (DTS). When a status report is received, the exemplary cell phone stores the device time corresponding to the time that the status report was received (DTR). Additionally, the cell phone stores the world time that is included in the status report by the SMSC that handled the message (WT).

Abstract: A Radio Interface Layer (RIL) is disclosed. The RIL comprises an API set which provides a level of abstraction between the radio on a cell phone and the software of the cell phone. The API set of RIL is roughly based on the GSM AT interface as defined in GSM specifications 07.05 and 07.07. The API set provides access to functionality contained within a cellular telephone, such as a GSM or CDMA compatible telephone. These APIs allow applications running on an operating system in the cellular telephone to issue commands without knowledge of the underlying radio structure of the cellular telephone and specific knowledge of the GSM-type commands. For example, these APIs allow the applications to access to phonebook entries, restrict access to data and functionality using passwords, access file and message storage, and perform many other functions. The RIL is divided into a hardware-independent proxy layer, called by various software components, and a driver layer that is hardware-specific.

Abstract: A SIM Manager is disclosed that accesses functionality contained within a GSM-type telephone SIM by combining functionality of a plurality of asynchronous RIL functions into a single synchronous application programming interface. A first dynamic link library receives a function call for performing a selected function from an application operating in a GSM-type telephone device. The first dynamic link library is preferably a stub dynamic link library to which applications link, links to the application and initiates a process thread corresponding to the received function call, thereby blocking all subsequently received calls until the received function call for the selected function is complete. A second dynamic link library contains at least one application programming interface corresponding to the selected function.

Abstract: A cellular telephone clock is automatically set to correlate to a timestamp contained in a Short Messaging Service (SMS) status report. Accordingly, an exemplary cell phone clock can be properly set any time the cell phone receives a status report. By setting the cell phone device time to correlate to the world time, the exemplary cell phone clock can be automatically set, without requiring any action by the user and without requiring a special time set control message. When the cell phone transmits an SMS message, the cell phone stores the device time corresponding to the time that the message was sent (DTS). When a status report is received, the exemplary cell phone stores the device time corresponding to the time that the status report was received (DTR). Additionally, the cell phone stores the world time that is included in the status report by the SMSC that handled the message (WT).

Abstract: Fragmentation and reassembly of a multi-part message for communication over a cellular network. When transmitting a multi-part message, a calling application issues a function call to a short messaging layer via a standardized interface. The function call represents a request to transmit the message. A short messaging layer divides the message into fragments of limited size that meet the size requirements of the cellular network. Each of the short messages is then transmitted across the cellular network. When receiving a multi-part message, a short messaging layer at the receiving device receives various short message fragments corresponding to the multi-part message. The short messaging layer then reassembles the short message fragments into the multi-part message, and then passes the reassembled multi-part message to the receiving application. The short message layer also presents a consolidated delivery report if requested.

Abstract: A Radio Interface Layer (RIL) is disclosed. The RIL comprises an API set which provides a level of abstraction between the radio on a cell phone and the software of the cell phone. The API set of RIL is roughly based on the GSM AT interface as defined in GSM specifications 07.05 and 07.07. The API set provides access to functionality contained within a cellular telephone, such as a GSM or CDMA compatible telephone. These APIs allow applications running on an operating system in the cellular telephone to issue commands without knowledge of the underlying radio structure of the cellular telephone and specific knowledge of the GSM-type commands. For example, these APIs allow the applications to access to phonebook entries, restrict access to data and functionality using passwords, access file and message storage, and perform many other functions. The RIL is divided into a hardware-independent proxy layer, called by various software components, and a driver layer that is hardware-specific.

Abstract: A SIM Manager is disclosed that accesses functionality contained within a GSM-type telephone SIM by combining functionality of a plurality of asynchronous RIL functions into a single synchronous application programming interface. A first dynamic link library receives a function call for performing a selected function from an application operating in a GSM-type telephone device. The first dynamic link library is preferably a stub dynamic link library to which applications link, links to the application and initiates a process thread corresponding to the received function call, thereby blocking all subsequently received calls until the received function call for the selected function is complete. A second dynamic link library contains at least one application programming interface corresponding to the selected function.