Abstract: An electronic cheque method is disclosed whereby a cheque issuing server receives an electronic cheque request from a machine of an issuer. The cheque issuing server issues the electronic cheque and allocates and applies a unique cheque code to the electronic cheque to identify the electronic cheque. The cheque issuing server advises a machine of a recipient of required data of the electronic cheque. The required data includes the unique cheque code. The cheque issuing server receives from the machine of the recipient a claim for credit of the electronic cheque amount, the claim being by reference to the unique cheque code.

Abstract: A method of connecting two or more phone lines in a cross-country connection through a rented device. The device may be a mobile phone or a SIM card. An SMS message is sent from the rented device to a service provider bearing the identification of the phone lines to be connected. The SMS is received by a gateway of the service provider, and the gateway subsequently places calls to the phone lines in the SMS and connects the phone lines.

Abstract: Users (302,403,406) of a bank (332,324)put funds into user credit account (112,114,116,118) from which the funds can be transferred to a consolidated e-purse ban account (120) within the bank (332,324). The consolidated e-pures bank account (120) i mirrored in a e-purse database (204), but with fund allocated to different e-purese (212,214,216,218,226,228) the total of all funds in the different c-purse (212,214,216,218,226,228) beeing equal to the funds in the consolidated e-purse ban account. When a first user (302) wishes to make a purchase from a second user (304), h sends an SMS message (352) to a mobile telephone payment gateway (320) indicating th second user (304) and an amount. The indicated amount of funds is removed from the fir users's e-purese (212). When the purchase is confirmed, the funds are transferred into th second user's e-purse (214), less transaction charges. These funds are immediately availabl to the second user (304).

Abstract: A paging system includes a private branch exchange telephone system (2) having a number of registered users (7). Each registered user (7) is associated with a unique identification code and, optionally, a cell phone number (5). The private branch exchange (2), in response to a call to the registered user's extension (EXT1), dialing a call to the cell phone number (5) associated with the registered user (7).

Abstract: A paging system includes a private branch exchange telephone system (2) having a number of registered users (7). Each registered user (7) is associated with a unique identification code and, optionally, a cell phone number (5). The priate branch exchange (2), in response to a call to the registered user's extension (EXT1), dialing a call to the cell phone number (5) associated with the registered user (7).