Virtual telephone charge card

A method of creating a portable virtual telephone charge card computer software application for a caller to place a telephone charge card call to a terminating number, comprising:

• selecting digits for access to a telephone charge card carrier's equipment;
• obtaining digits for a valid authorization code for a charge card account with the telephone charge card carrier;
• and
• creating a sequence of operations that are operable, upon invocation by the caller, to request and obtain from the caller the terminating number digits for a telephone call, said sequence of operations further operable to use the access digits, the authorization code digits and the terminating number digits to create a dialing sequence, the dialing sequence comprising a sequence of digits and pauses which, when dialed, serve to place a telephone charge card call to the terminating number, the call charged to the charge card account.