was stored are displayed user b selects the desired calling card e g the calling card of user a from the list and the application makes a request to the server 24 to place a call the request includes the unique key or token of the calling card and the subscriber id of user b referring to fig4 when the server 24 gets a request at 400 and determines that the request is not a request for a new card at 402 then server 24 determines whether it is a request to complete a new card at 412 if not the server 24 then determines whether the request is a request to place a call at 414 if so then the subscriber id and the unique key are obtained from the request at 416 and it is then determined whether the record is found in the database 26 at 418 if so then the subscriber id of user b is compared with the stored entry in the database for the participant id to see if there is a match at 420 if there is not a match at 420 or if no record is found in the database at 418 then a return failure response is generated at 422 and the process is completed if a match is found then it is determined whether the record is still valid at 423 and if so then the subscriber id of user a is used to retrieve.