Abstract: The credit a mobile radio apparatus account, the display (15) of the a mobile telephone (10) is used to display an image including a barcode (1) which graphically represents transaction data. This includes data identifying a transaction database records in a transaction database (75), the transaction database records including data identifying the mobile radio apparatus account. An account database (83) comprises account database records of mobile radio apparatus accounts including an amount of credit. A retail terminal (30) provided in a retail location has a reader (40) which reads the barcode (1). The retail terminal (30) accepts payment and communicates the read transaction data and data indicating that payment has been accepted to a transaction control system remote from the retail terminal (30). The transaction database (75) is updated to indicate that payment has been accepted and the account database (83) is updated to credit the mobile radio apparatus account by the payment amount.

Abstract: A system and method for adding value to a customer account are provided. An identifier associated with a value is distributed to a customer. The identifier is usable to add the value to an account. A request to add the value to a customer account is received via short message service (SMS). The request comprises the identifier and account identification information associated with the customer account. In some embodiments, the identifier may be entered into the device using text auto-completion software. The request is received from a user communication device as an SMS message. The value associated with the identifier and the customer account associated with the account identification number are identified based on the request. The value is caused to be added to the customer account. A confirmation that the value was added to the customer account is passed to the user communication device.