Patent ID: 8341080

Claim:
A method to open financial account access from a mobile device, comprising: transmitting, by the mobile device, a request to a money services business to open a financial account; displaying, by the mobile device, a prompt from said money services business for preliminary identification (ID) data; transmitting, by the mobile device, said preliminary ID data entered by a customer at said mobile device; in response to said transmitting said preliminary ID data, receiving, by the mobile device, an acknowledgement from said money services business after transmission of said preliminary ID data that financial account access has been established with said money services business; receiving, by the mobile device, from said money services business, account access limits wherein said account access limits correspond to said preliminary ID data; transmitting, by the mobile device, a monetary transfer request from said customer to a third party; receiving, by the mobile device, an additional prompt from said money services business requesting payment account information from said customer, said additional prompt received when said monetary transfer request exceeds said account access limits; transmitting, by the mobile device, said payment account information from said customer to said money services business; and receiving, by the mobile device, an acknowledgement from said money services business that said monetary transfer request was completed using said payment account information.