Abstract: Systems, methods, and computer program products for managing the exchange of sensitive information during a secure communication session. A session instance may establish one or more secure modalities with systems providing sensitive information, and establish one or more open modalities with systems that are participating in the secure communication session, but that may be non-compliant with security standards required to handle the sensitive information. A separate modality manager instance may be created for each modality to selectively control what information is conveyed to each system connected to the session instance based on security rules. The session instance may thereby allow non-sensitive information to be shared with systems connected through open modalities, while preventing these systems from accessing sensitive information received and transmitted through secure modalities.

Abstract: Methods and apparatus for providing pre-paid long distance telephone calls without the requirement for dialing an access number or providing a personal identification number. Customers establish accounts with a service provider and keep the accounts replenished with finds. When the customer dials a long distance telephone number, the call is routed to a service provider's IVR platform, where a check is made for sufficient funds in the individual account. If there are sufficient funds, the call is completed, otherwise the customer is routed to a customer service representative and the customer can then replenish his account. The customer can replenish the account using different payment methods, such as at designated locations, the IVR, through the Internet, or with customer service representatives. Payments can be made by providing credit card or other financing information or by sending checks.