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 for maintaining a commerce catalogue includes a commerce manager operable to read an catalogue repository that includes XML schema data defining products and services. The commerce manager sends the XML schema data to a publisher operable to forward the data to a particular viewing agent. In addition, the commerce manager communicates with a listener to receive XML schema data defining products and services.