Abstract: Systems and methods wherein the wireless device operates as a service control point (“SCP”) in a wireless service network. The billing system controls the service control point in the wireless device by periodically supplying increments of value from a master account balance. The billing system may also periodically update the service rules and authorizations maintained within the wireless device. Usage information such as call details records may also periodically be uploaded from the wireless device to the billing system. The service control function software in the wireless device and the billing system communicate with each other via administrative messages using over the air data bearer services of the network. The amount and frequency of the additional service authorizations and other communications vary, potentially on a service by service basis, depending upon the credit risks, fraud risks, user preferences, rate plans, available network resources, and other parameters.

Abstract: A system having a wireless device capable of monitoring and tracking its own usage and account activities is disclosed. The wireless device includes an account management application and accounting applications. The account management application manages a variety of accounts in conjunction with the accounting applications and is used by a user to determine how each call/transaction is to be paid for. For example, the user of the wireless device may wish to pay for business calls using a first account and personal calls using a second account.