public ActionResult PhoneBillPayment(PhoneBillModel pbm)
        {
            IBusinessBanking ibank = GenericFactory <Business, IBusinessBanking> .GetInstance();

            UserInfo ui = CookieFacade.USERINFO;

            try
            {
                if (ModelState.IsValid)
                {
                    bool ret = ibank.TransferBillFromChecking(ui.CheckingAcccountNumber, ui.SavingAccountNumber, pbm.Amount);
                    if (ret == true)
                    {
                        ViewBag.Message = "Transfer successful..";
                        ModelState.Clear();
                        // otherwise, textbox will display the old amount
                        pbm.Amount = 0;
                    }
                }
            }
            catch (Exception ex)
            {
                ViewBag.Message = ex.Message;
            }
            pbm.CheckingBalance = ibank.GetCheckingBalance(ui.CheckingAcccountNumber);
            pbm.Amount          = ibank.GetAmountDue(ui.CheckingAcccountNumber);
            return(View(pbm));
        }