Patent ID: 9432838
Filing Date: 2016-08-30
CPC Classification: G06Q,H04M,H04W

Claim Text:
1. 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.