SYSTEMS AND METHODS FOR FINANCIAL ACCOUNT ACCESS FOR A MOBILE DEVICE VIA A GATEWAY

• US 20100191633A1
• Filed: 01/28/2009
• Published: 07/29/2010
• Est. Priority Date: 01/28/2009
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Adkisson, Brent D., Royyuru, Vijay K., Gaines, Barbara C., Nuzum, Todd R.
• Granted Patent: US 8,364,587 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile personal identification number (M-PIN) number and Customer Unique Identifier (CUID) from a mobile device and processing the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID). The MUID identifies an account of at least one financial account processor accessible via a gateway, and the mobile device is provided access to the account through the gateway. Prior to providing the mobile device with access to the account, a set of inquiries associated with the identified financial account processor(s) may be presented to the mobile device, and response information from the mobile device to answer the set of inquiries may be verified at the gateway. The mobile device is provided access to the financial account processor after the response information is verified.

Claims

1. A method comprising:

receiving, from a mobile device, a mobile personal identification number (M-PIN) and Customer Unique Identifier (CUID) associated with the mobile device;

processing, at a gateway, the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID), wherein the MUID identifies an account of at least one financial account processor; and

providing, at a gateway, the mobile device with access to the account of the at least one financial account processor.

2. The method of claim 1, further comprising:

prior to providing the mobile device with access to the account;

determining a set of inquiries associated with the at least one financial account processor;

transmitting the set of inquiries to the mobile device;

receiving response information from the mobile device to answer the set of inquiries; and

verifying the response information, wherein providing the mobile device with access to the at least one financial account processor occurs only after the response information is verified.

3. The method of claim 1, further comprising:

prior to receiving the M-PIN and the CUID associated with the mobile device, receiving enrollment information, wherein the enrollment information includes a financial account number associated with at least one financial account processor accessible through a gateway processor and the M-PIN associated with the financial account number;

assigning the CUID to a mobile device associated with the M-PIN;

creating the MUID based at least in part on the CUID and PIN, wherein the MUID is associated with the enrollment information; and

storing the MUID.

4. The method of claim 3, further comprising:

transmitting the CUID to the mobile device.

5. The method of claim 3, further comprising:

assigning an activation code to the CUID; and

transmitting the activation code to the mobile device.

6. The method of claim 5, wherein transmitting the activation code to the mobile device comprises transmitting the activation code to the mobile device via short message service (SMS) text messaging.

7. The method of claim 1, wherein processing the received M-PIN and CUID to identify the MUID includes identifying a plurality of MUIDs associated with the mobile device;

wherein receiving the M-PIN and the CUID includes receiving, from the mobile device, an indicator associated with at least one financial account processor associated with one of the plurality of MUIDs; and

wherein providing the mobile device with access to the at least one financial account processor includes providing the mobile device with access to the at least one financial account processor associated with the indicator.

8. The method of claim 1, wherein the at least one financial account processor is a debit DDA processor, credit card processor, or pre-paid processor.

9. The method of claim 1, further comprising:

receiving, from the mobile device, request data;

translating the request data into a format acceptable to the at least one financial account processor; and

transmitting the translated request data to the at least one financial account processor.

10. The method of claim 9, wherein the request data includes a payment instruction.

11. A system comprising:

a memory for storing computer-executable instructions; and

a processor in communication with the memory, wherein the processor is configured to execute the computer-executable instructions to;

receive, from a mobile device, a mobile personal identification number (M-PIN) and Customer Unique Identifier (CUID) associated with the mobile device,

process the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID), wherein the MUID identifies an account of at least one financial account processor, and

provide the mobile device with access to the account of the at least one financial account processor.

12. The system of claim 11, wherein, prior to providing the mobile device with access to the account based on the review of the response information, the processor is further configured to execute the computer-executable instructions to:

determine a set of inquiries associated with the at least one financial account processor,

transmit the set of inquiries to the mobile device,

receive response information from the mobile device to answer the set of inquires, and

verify the response information, wherein providing the mobile device with access to the at least one financial account processor occurs only after the response information is verified.

13. The system of claim 11, wherein the processor is further configured to execute the computer-executable instructions to:

prior to receiving the M-PIN and the CUID associated with the mobile device, receive enrollment information, wherein the enrollment information includes a financial account number associated with the at least one financial account processor accessible through a gateway processor and the M-PIN associated with the financial account number,

assign a CUID to a mobile device associated with the M-PIN,

create a MUID from the CUID and M-PIN, wherein the MUID is associated with the enrollment information, and

store the MUID in the memory.

14. The system of claim 13, wherein the processor is further configured to execute the computer-executable instructions to transmit the CUID to the mobile device.

15. The system of claim 13, wherein the processor is further configured to execute the computer-executable instructions to:

assign an activation code to the CUID; and

transmit the activation code to the mobile device.

16. The system of claim 15, wherein the computer-executable instructions to transmit the activation code to the mobile device include transmitting the activation code to the mobile device via short message service (SMS) text messaging.

17. The system of claim 11, wherein the computer-executable instructions to process the received M-PIN and CUID to identify a MUID include identifying a plurality of MUIDs associated with the mobile device,

wherein the computer-executable instructions to receive the M-PIN and the CUID include receiving, from the mobile device, an indicator associated with at least one financial account processor associated with one of the plurality of MUIDs, and

wherein the computer-executable instructions to provide the mobile device with access to the at least one financial account processor include providing the mobile device with access to the at least one financial account processor associated with the indicator.

18. The system of claim 11, wherein the at least one financial account processor is a debit DDA processor, credit card processor, or pre-paid processor.

19. The system of claim 11, wherein the processor is further configured to execute the computer-executable instructions to:

receive, from the mobile device, request data,

translate the request data into a format acceptable to the at least one financial account processor, and

transmit the translated request data to the at least one financial account processor.

20. The system of claim 19, wherein the request data includes a payment instruction.