Patent ID: 7463133

Claim:
A method for facilitating a transaction using a plurality of calling card issuer owned data sets on a transaction instrument, the method comprising the steps of: facilitating enrollment of a first call carrier data set owner and a second call carrier data set owner into a RF transaction instrument program; facilitating adding to a database, a first calling card data set of a first format at the transaction instrument, wherein said first calling card data set is owned by said first call carrier data set owner; facilitating adding to a database, a second calling card data set of a second format at the transaction instrument, wherein said second calling card data set is owned by said second call carrier set owner, wherein said first owner is distinct from said second owner, and said first format is different from said second format, wherein said first calling card data set is stored in accordance with said first format, and said second calling card data set is stored in accordance with said second format; adding a header to at least one of said first and second calling card data sets, the header identifying at least a status condition of the at least one of said first and second calling card data sets, wherein the status condition indicates an action to be taken relative to the respective calling card data set; and wherein said transaction instrument is operable to complete a calling card call in accordance with at least one of said first and second format.