CardSaver™ runs on a computer that connects to an Internet Protocol (IP)/Public Switched Telephone Networ (PSTN) gateway with Interactive Voice Response (IVR) support. Cisco® or Quintum Gateways are used to support the IVR connection. The IVR interface enables the system to relay and/or play voice messages to customers, prompting them to input numeric information using their phone’s keypad.

This information can include the caller’s account number, PIN, and the number the caller wishes to reach. The numbers that the caller enters can therefore be transmitted by the Gateway in RADIUS (Remote Authentication Dial-In User Service) format over the IP network to the CardSaver RADIUS compliant server. The server can then use the inputted data to identify the customer, verify their identity using the PIN code, check the account status, and send back messages in RADIUS format telling the Tenor switch whether or not to proceed with the call.

When the call is made, the PSTN routes the call to the VoIP Gateway. The VoIP Gateway sends a RADIUS packet to the CardSaver system and based on the number dialed, the CardSaver asks the caller to enter the desired long distance destination number and instruct the VoIP Gateway to transfer the call. CardSaver then informs caller of the amount of credit left on the account. CardSaver calculates this amount by using a rate table created by the administrator of the system. The connection between caller and the dialed number is then made. Once the call is disconnected, the VoIP Gateway sends a Radius packet to the CardSaver system informing that the call has been disconnected. The CardSaver system then deducts the appropriate amount from the caller’s account.