Abstract: In a system and method for enabling bad debt recovery in a prepaid services environment, a bad debt balance (acquired under a post-paid regime) is stored in a bad debt database associated with the customer who accumulated the bad debt. Deposits by the customer into a pre-paid account are then accepted and the balance tracked in a pre-paid account database. Requests for service by the customer, e.g. pre-paid telephone service, are tracked by the pre-paid application server and the services rendered while debiting the pre-paid service database according to the services used. Such requests for pre-paid service also serve to trigger an automatic withdrawal of an additional amount from the pre-paid account which is then applied to the bad debt balance.

Abstract: The Web Access invention allows account holders to view their account information over the Internet, and gives account holders access to telephony features via the Internet. The features of the Web Access invention include login, security, account history, PIN maintenance, merging accounts, callback, recharging accounts with a credit card, purchasing accounts with a credit card, retrieving fax mail, retrieving voicemail, viewing recharge history, and viewing rate information.