US 2005/0038744 A1 · Method and system for operating a banking service

Abstract

A method and system for operating a banking service are included. The system includes a database (12) for storing client registration data and a unique number, which is preferably the MSISDN or mobile telephone number of the client. This number is used as the client's account number. A call center (14) receives calls from clients and verifies their identity from data transmitted by their mobile telephones. The system allows clients to conduct various banking transactions including balance, statement and payment transactions. A database stores details of balances and/or transactions in each user's account. The system serves for clients to be notified by an SMS transmitted to their mobile telephone of transactions, such as changes to their bank balances or the crediting or debiting of their account. The system can also interface with conventional banking services.

Claims20

Dependent claims

A method of operating a banking service, the method comprising:

registering a plurality of clients with the banking service, including recording a unique number associated with a mobile telephone of each client;
allocating an account number to each client which comprises at least a part of said unique number;
receiving, from time to time, calls from a client via the mobile telephone;
verifying the client's identity from data transmitted from the mobile telephone corresponding to said unique number;
and
conducting at least one banking transaction relating to the account corresponding to said unique number.

3 more elements

Dependencies are inferred from the claim text.

Method and system for operating a banking service

Life of this patent

Method and system for operating a banking service

Life of this patent

Abstract

Claims20