1. A computer-readable storage medium operating in a network management system (NMS), comprising computer instructions for: detecting one among an incoming call having a caller ID directed to a communication device and a request for an outgoing call from the communication device on one among a plurality of access technologies; for the incoming call, searching a phonebook associated with the communication device according to the caller ID, wherein each entry in the phonebook comprises a calling number and one among a plurality of account designations for identifying one among business calls and personal calls; if a match is detected between the caller ID and an entry in the phonebook, billing the incoming call upon acceptance by the communication device according to an account designation corresponding to the matched phonebook entry; if no match is detected between the caller ID and entries in the phonebook, requesting an account designation from the communication device; receiving an alternate account designation from the communication device; and billing the incoming call once accepted by the communication device according to the alternate account designation; for the outgoing call, searching the phonebook according to the request for the outgoing call; if a match is detected between the request and an entry in the phonebook, billing the outgoing call once initiated according to an account designation corresponding to the matched phonebook entry; if no match is detected between the request and entries in the phonebook, requesting an account designation from the communication device; receiving an alternate account designation from the communication device; and billing the outgoing call once initiated by the communication device according to the alternate account designation.