Patent ID: 7958029

Claim:
A system for wireless telephone communication, the system comprising: a retail brand system for providing mobile communications devices to at least one consumer for use with the system; a mobile virtual network enabler for establishing and maintaining wireless service, the mobile virtual network enabler coupled to the retail brand system; a wireless communication network for communication between communication devices, the wireless communication network coupled to the mobile virtual network enabler; and a financial risk management system for monitoring network usage and ensuring payment for wireless services, the financial risk management coupled to the mobile virtual network enabler; wherein the financial risk management system comprises: an initializing system for setting up an account for wireless services, the initializing system coupled to the mobile virtual network enabler; a monitoring system for determining usage levels for a mobile device, the monitoring system coupled to the mobile virtual network enabler and the initializing system; a database module for storing usage data, the database module coupled to the monitoring system; a financial risk minimizing module for limiting financial exposure from providing wireless services, the financial risk minimizing module coupled to the monitoring system and the mobile virtual network enabler; and a set of rules, the rules applied to data from the monitoring system to determine whether to terminate wireless services.