Patent ID: 8903434

Claim:
A method for conducting a stateful, message-based conversation involving a Wireless Device (WD) of a Mobile Subscriber (MS), the method comprising: receiving, at an intermediary device, a first request from a service provider to initiate a first message-based conversation between the service provider and the MS, wherein the first request includes information relating to a first set of accounts of the MS; upon receiving the first request, validating, by the intermediary device, the information relating to the first set of accounts of the MS to advance the first request; upon validating the information relating to the first account of the MS, generating, by the intermediary device, a message containing one or more selectable options, wherein the one or more selectable options are generated based on a current state of the first message-based conversation, and wherein the first message-based conversation occurs in a first secure, authenticated session where the MS uses the WD to participate in a first financial transaction with a financial institution; sending, by the intermediary device, the generated message containing the one or more selectable options to the WD of the MS; receiving, by the intermediary device, a reply from the WD of the MS, in response to the generated message, the reply comprising at least one selected option of the one or more selectable options; performing, by the intermediary device, one or more processing steps to initiate a monetary transaction, based on the at least one selected option received from the WD of the MS, using at least in part: information contained in the first message-based conversation, or MS information collected as part of a registration process; determining, by the intermediary device, a next state of the first message-based conversation based on performing the one or more processing steps; storing, by the intermediary device, at least the determined next state of the first message-based conversation; and receiving, by the intermediary device from the MS, a second request to initiate a second message-based conversation between the service provider and the MS, wherein the second request includes information relating to a second set of accounts of the MS, wherein the second message-based conversation occurs in a second secure, authenticated session while the first message-based conversation is in progress, and wherein the first set of accounts and the second set of accounts have at least one account in common.