Abstract: A system, method, and computer program product that reduces calling costs for a wireless phone through the use of multiple mobile identification numbers (MINs). The wireless phone is associated with multiple MINs, which are stored in a profile on the wireless phone network or within the wireless phone. A rate table is used to determine which MIN will incur the lowest calling costs. This MIN is selected for communications between the wireless phone and the wireless phone network.

Abstract: A method for transferring money is described. This method can include providing a cash card having stored thereon an amount of money; making a telephone call to a predetermined telephone number using the cash card as a payment device for the telephone call; dialing a predetermined suffix to the predetermined telephone number followed by a desired dollar amount; debiting the cash card by the desired dollar amount; and, crediting an account associated with the predetermined telephone number by the desired dollar amount.

Abstract: An emergency breakthrough system allows users to break through a busy signal, using an automated rather than operator assisted technique. Upon receipt of a busy signal, rather than hanging up and dialing an operator to gain a manual assistance for third party call breakthrough, the calling party is able to keypad an enablement request, such as *85, requesting emergency call breakthrough. After that entry, the system awaits a breakthrough passcode, such as a four digit number, which if validated permits the user to breakthrough the busy signal and reach the called party, without operator intervention. Predesignated numbers can gain automated access by ANI identity of the calling number.

Abstract: An individual transfers money from a cash card (or the account that the cash card is tied to) by making a wireless phone call to another individual. A combination of a MONDEX style card with the individual phone cards are used for this purpose. This electronic cash (“ecash”) ecash/phone card is inserted into the phone to activate it for billing use and serves as the basis for a cash transaction. For example, person A makes a telephone call to person B and dials a suffix after the number to indicate the transaction and the amount. For example, one could transfer money to another card or account holder from one's card by dialing their number followed by CASH#200# to transfer 200 dollars to the other account. The card is then capable of being used as a cash card to make purchases or as a phone card to make calls. A database links the identity of the caller to the cash account and the transaction appears as part of a bank statement or as part of a wireless phone bill.