Patent ID: 8521629

Claim:
A non-transitory computer program product storing instructions, which when executed, cause data processing apparatus to perform operations comprising: receiving, by a wireless gift card server, first data characterizing a request to provide a merchant credit service to an intended recipient; determining a wireless messaging service with a largest message length supported by a mobile device associated with the intended recipient; generating, by the wireless gift card server, a message for the intended recipient, the message characterizing a phone number to call to authenticate activation of the merchant credit service, the message being transmitted to the intended recipient by the determined wireless messaging service; receiving, by the wireless gift card server, second data characterizing authentication by a call to the phone number to activate the merchant credit service from a mobile phone number of the intended recipient, the authentication comprising checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient; and activating, by the wireless gift card server, the merchant credit service.