Machine, program product, and computer-implemented methods for confirming a mobile banking request
First Claim
1. A machine to allow a user to transfer money to an account using a mobile device, the machine comprising:
- a computer server associated with a bank defining a bank server, the bank server having memory and being positioned to send and receive text messages utilizing Short Message Service;
computer program product associated with the bank server, stored in the memory, and operable on a computer, the computer program product comprising a set of instructions that, when executed by the computer, cause the computer to perform a process of confirming a funds movement request is valid and a process of executing the funds movement request, the instructions comprising the operations of;
matching the funds movement request, responsive to a text message in Short Message Service format, to a customer account using a phone number of the mobile device, the funds movement request including a first identifier for an account to be debited defining a bank account, a second identifier for an account to be credited defining a credit account, and a transaction amount, the text message having header data, including the phone number of an originating device,generating a funds movement verification request in Short Message Service format, the funds movement verification request requiring customer input as a verification response,sending the funds movement verification to the mobile device, andauthorizing the stored funds movement request from the debit account to the credit account, responsive to a receipt of the verification response.
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Accused Products
Abstract
Embodiments of the present invention include methods, program product and machines for providing a confirmation for a mobile banking request, e.g., a funds movement request, originating via a text message utilizing a predetermined communications protocol, e.g., Short Message Service (SMS). A customer sends and a bank server receives a request originating via text message. The text message can include an amount and identifiers for accounts to be debited and credited. The bank server accesses an account responsive to a phone number associated with the text message. The bank server stores the request as pending. The bank server sends a verification request via text message to the customer and then receives a verification response via text message from the customer. The verification request can include a one-time verification code required for a valid verification response. Next, the bank server authorizes the pending request responsive to a valid verification response.
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Citations
20 Claims
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1. A machine to allow a user to transfer money to an account using a mobile device, the machine comprising:
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a computer server associated with a bank defining a bank server, the bank server having memory and being positioned to send and receive text messages utilizing Short Message Service; computer program product associated with the bank server, stored in the memory, and operable on a computer, the computer program product comprising a set of instructions that, when executed by the computer, cause the computer to perform a process of confirming a funds movement request is valid and a process of executing the funds movement request, the instructions comprising the operations of; matching the funds movement request, responsive to a text message in Short Message Service format, to a customer account using a phone number of the mobile device, the funds movement request including a first identifier for an account to be debited defining a bank account, a second identifier for an account to be credited defining a credit account, and a transaction amount, the text message having header data, including the phone number of an originating device, generating a funds movement verification request in Short Message Service format, the funds movement verification request requiring customer input as a verification response, sending the funds movement verification to the mobile device, and authorizing the stored funds movement request from the debit account to the credit account, responsive to a receipt of the verification response. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer program product operable on a bank server and stored in one or more tangible computer memory media of the bank server, the computer program product comprising a set of instructions that, when executed by the computer, cause the computer to perform a process of confirming a funds movement request is valid and a process of executing the funds movement request, the instructions comprising the operations of:
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matching the funds movement request, responsive to a text message in Short Message Service format, to a customer account using a phone number of the mobile device, the funds movement request including a first identifier for an account to be debited defining a bank account, a second identifier for an account to be credited defining a credit account, and a transaction amount, the text message having header data, including the phone number of an originating device; generating a funds movement verification request in Short Message Service format, the funds movement verification request requiring customer input as a verification response; sending the funds movement verification to the mobile device; and authorizing the stored funds movement request from the debit account to the credit account, responsive to a receipt of the verification response. - View Dependent Claims (8, 9, 10, 11, 12, 13)
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14. A computer-implemented method to cause a computer configured as a bank server to perform a process of confirming a funds movement request is valid and a process of executing the funds movement request, the computer-implemented method comprising:
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matching the funds movement request, responsive to a text message in Short Message Service format, to a customer account using a phone number of the mobile device, the funds movement request including a first identifier for an account to be debited defining a bank account, a second identifier for an account to be credited defining a credit account, and a transaction amount, the text message having header data, including the phone number of an originating device; generating a funds movement verification request in Short Message Service format, the funds movement verification request requiring customer input as a verification response; sending the funds movement verification to the mobile device; and authorizing the stored funds movement request from the debit account to the credit account, responsive to a receipt of the verification response. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification