Patent ID: 8725632
Filing Date: 2014-05-13
Classification: G06Q,G07F,H04L,H04M,H04W

Abstract:
1. A method for facilitating wireless transactions with a service provider using a wireless device comprising: accepting registration information from a user via a computer software application process executing on a host server, said registration information consisting at least in part of a user's wireless mobile device number and wherein the service provider maintains financial account data for the user in a data server; verifying the registration information from the user by another computer software application process executing on the host server; transmitting, by a wireless device server of a wireless carrier, an initiation short message service (“SMS”) message to the user's wireless mobile device requiring the user to confirm service set-up and initiate installation of software on the user's wireless mobile device by entering the user's wireless mobile device number, said SMS message being transmitted via radio frequency signal to an antenna of the user's wireless mobile device through a network supporting the wireless mobile device using a communication encryption protocol; receiving, by the wireless device server, a wireless mobile device number entered on the user's wireless mobile device and transmitted via radio frequency signal from the antenna of the user's wireless mobile device through said network; confirming, by the wireless device server, a match between the received wireless mobile device number and the mobile device number of the wireless mobile device to which the SMS message was transmitted; transmitting, by the wireless device server, installation instructions to the user's wireless mobile device consisting at least in part of a designated uniform resource locator (“URL”) at which to download the software to the user's wireless mobile device, wherein said download of the software to the user's wireless mobile device is initiated within a predetermined period of time; downloading the software to the user's wireless mobile device from the wireless device server of the wireless carrier in a two part download sequence in response to verification of the registration information by a further computer software application process executing on the wireless device server within said predetermined period of time, wherein the software download includes: authenticating the user using the interface application executing on the user's wireless mobile device in response to a request for access and user identification data entered on the wireless mobile device and transmitted via radio frequency signal from the antenna of the user's wireless mobile device through said network; generating and transmitting wirelessly via radio frequency signal from the antenna of the user's wireless mobile device through said network using the interface application on the wireless mobile device, a request for access to user financial account data to the wireless device server formatting and transmitting, by the wireless device server, said request for access to user financial account data to the host server; and transmitting, by the host server, the requested financial account data to the user's mobile wireless device via the wireless device server, said financial account data being transmitted via radio frequency signal to the antenna of the user's wireless mobile device through said network supporting the wireless mobile device.