US 9,432,838 B2Granted

System and methods for account creation using a feature phone

AssigneePaypal, Inc.

InventorsSuraj Satheesan Menon, Amol Patel

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Abstract

There is provided systems and method for account creation using a feature phone. A user is able to create an account through a feature phone using limited or no Internet access. A user may request to set up an account with a payment provider and the user is asked to confirm that certain information can be provided to the service provider, such as a name, address, and identifier. Once confirmed correct, the user enters the date of birth. The service provider then request and/or creates an email associated with the account. The service provider then calls the user enter a payment card number, along with an expiration date and security code, as a funding source for the account. The user further establishes a PIN for future transactions. Once confirmed, the account is active and ready to use.

Claims20

Dependent claims

A system comprising:

a non-transitory memory storing feature phone messaging information comprising a messaging protocol using a wireless phone communication channel that includes non-Internet based communications;
and
one or more hardware processors in communication with the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving a request to establish a user account from a mobile transaction gateway, wherein the mobile transaction gateway comprises at least an internal gateway in communication, through an Over The Air (OTA) server, with a mobile services carrier, and wherein the request originates from a mobile device of a user, and wherein the mobile device communicates the request to the mobile services carrier using the messaging protocol using the non-Internet based communications;
transmitting an option to create the user account to the mobile device of the user through the mobile transaction gateway, wherein the option is displayed on an interface of the mobile device, wherein the internal gateway communicates the option through the Over The Air (OTA) server to the mobile services carrier, and wherein the option is communicated to the mobile device by the mobile services carrier through the messaging protocol by the mobile services carrier using the non-Internet based communications;
receiving information corresponding to the user account if the user accepts the option, wherein the information comprises at least a user phone number and a user identifier, and wherein the information is received using the messaging protocol;
requesting user financial information and a personal identification number (PIN);
receiving the user financial information and the PIN;
and
creating the user account using the information, the user financial information and the PIN.

7 more elements

A method comprising:

receiving a request to establish a user account from a mobile transaction gateway, wherein the mobile transaction gateway comprises at least an internal gateway in communication, through an Over The Air (OTA) server, with a mobile services carrier, and wherein the request originates from a mobile device of a user, and wherein the mobile device communicates the request to the mobile services carrier using a messaging protocol having a wireless phone communication channel that includes non-Internet based communications;
transmitting an option to create the user account to the mobile device of the user through the mobile transaction gateway, wherein the option is displayed on an interface of the mobile device, wherein the internal gateway communicates the option through the Over The Air (OTA) server to the mobile services carrier, and wherein the option is communicated to the mobile device by the mobile services carrier through the messaging protocol by the mobile services carrier using the non-Internet based communications;
receiving information corresponding to the user account if the user accepts the option, wherein the information comprises at least a user phone number and a user identifier, and wherein the information is received using the messaging protocol;
requesting user financial information and a personal identification number (PIN);
receiving the user financial information and the PIN;
and
creating, using one or more hardware processors of a server, the user account using the information, the user financial information and the PIN.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/133,135Filed 18 Dec 2013 · us provisional application
Priority: 9 Aug 2013
Published: US 2015/0044987 A112 Feb 2015
Granted: 30 Aug 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

H04W 8/20
Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data: transfer…
G06Q 10/00
Administration
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]
H04M 15/705
Administration or customization aspects; Counter-checking correct charges: account settings, e.g. limits or numbers or payment