asterisk chat line

looking for an asterisk based chat / party line, where you can call in, press 1 for male, 2 for female, get assigned a passname and passcode if you are a first time caller, or retrieve if you've forgotten (retrival by telephone number callerid)...assign trial minutes..and warn if you about to expire, accept automated credit card payments for additional minutes, leave messages for callers using ODBC/pgsql db or IMAP for the storage of messages and be able to record names, greetings which each caller will page through to decide if they want to send that caller a message and/or be able to connect live (probably a meetme/conf room?).. this is the jist of it. would prefer pgsql, but mysql would work too. already have asterisk server & pgsql server set up (asterisk 1.6x)