Abstract: A computerized balance management system includes a balance manager that maintains a database having pre-paid accounts. The accounts will have data such as account balance and other account configuration data. The system also communicates with a plurality of servers that are coupled to a mobile network. The servers may include a content server, a mobile commerce server, or an intelligent network platform server. The balance manager is operative to perform the tasks of receiving queries from at least one of the plurality of servers, calculating a reservation amount based on the query and reserving the reservation amount against the pre-paid account.

Abstract: A computerized system includes a rating engine and a balance manager. The balance manager maintains a database having accounts, where the accounts have an account balance. The balance manager is operative to receive event data, calculate a reservation amount based on the event data, determine a service unit quantity based on the reservation amount, and reserve the reservation amount against the pre-paid account.