Abstract: A point-of-sale electronic distribution system for distributing an access code (e.g., a personal identification number (PIN)) is provided. The system allows retailers/distributors to purchase access codes for use with pre-paid products using conventional telephones and without requiring the use of a dedicated terminal or personal computer at the point-of-sale. A telephone call relating to a request for an access code is received at a central server. An access code is obtained from a database of access codes and transmitted to the caller by telephone, facsimile, or e-mail. Reports relating to a pre-paid calling card account can be requested during the telephone call.