Patent ID: 6941270

Claim:
Apparatus for a recipient mobile terminal for facilitating the selective copying of executable content from a provider mobile terminal to the recipient mobile terminal, the content including cost indicia and being executable at the provider mobile terminal, wherein the mobile terminals are peer devices, said apparatus comprising: a recipient-terminal downloading connector selectably operable to effectuate a first communication link with the provider mobile terminal; a credit payment indicator for containing at least an indicia of creditworthiness of a recipient-terminal user; and a downloading controller coupled to said payment indicator and to said downloading connector, said downloading controller for: permitting said recipient-terminal downloading connector to effectuate the first communication link with the provider mobile terminal; determining whether the indicia of creditworthiness meets a selected threshold; and effecting the copying of the content by way of the first communication link if the determination indicates the indicia of creditworthiness meets the selected threshold, wherein the first communication link is a peer-to-peer communication link; wherein said downloading controller is resident in the recipient mobile terminal.