METHOD AND SYSTEM FOR LINKING MOBILE PHONE SERVICES WITH A BANKING PROVIDER

• US 20110082736A1
• Filed: 10/27/2009
• Published: 04/07/2011
• Est. Priority Date: 10/01/2009
• Status: Abandoned Application

• Current Assignee: Citizens Financial Group, Inc. (Rhode Island) (Citizens Financial Group Incorporated)
• Original Assignee: Citizens Financial Group Incorporated
• Inventors: Goldman, Daniel, Koleszar, William
• Application Number:
  US12/606,665
• Publication Number:
  US 20110082736A1
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A method and system is provided that establishes an inventive program across services offered by two vendors. In a preferred embodiment, a bank account is established that is linked with a customer'"'"'s mobile phone account in a manner that facilitates paperless billing and paperless payment of the mobile phone service bills via services offered by a bank service provider while providing the customer a reward in the form of discounted mobile phone services thereby promoting the goods and services of both vendors simultaneously.

Claims

1. A method for linking an account that is administered by a bank service provider with services offered by a secondary service provider comprising:

establishing an account at a bank service provider for the benefit of an account holder, said account including online banking and online bill payment features;

enrolling for secondary services from said secondary service provider;

linking said secondary services with said account for the exchange of electronic billing and electronic payment transactions; and

providing a discount or incentive for the use of said secondary services.

2. The method of claim 1, further comprising the step of:

downloading software from said bank service provider for use in conjunction with said secondary services.

3. The method of claim 1, wherein said secondary services are cell phone services.

4. The method of claim 3, further comprising:

providing a voucher for a free cell phone or cell phone upgrade.

5. The method of claim 3, wherein said cell phone services include text messaging services, said discount making said text messaging services free.

6. The method of claim 5, further comprising:

providing a voucher for a free cell phone or cell phone upgrade.

7. The method of claim 3, further comprising the step of:

downloading software from said bank service provider for use on said cell phone.

8. The method of claim 1, wherein said bank service provider reimburses said secondary service provider for said incentive or discount.

9. The method of claim 1, wherein said bank service provider reimburses said secondary service provider for a portion of said incentive or discount.

10. A system for linking an account that is administered by a bank service provider with services offered by a secondary service provider comprising:

an account maintained at a bank service provider for the benefit of an account holder, said account being in communication with an electronic communications network, said account accessible via a user interface also in communication with said electronic communications network thereby allowing online banking and online bill payment features; and

secondary services provided by said secondary service provider, said secondary service provider linking to said account via said electronic communications network for the exchange of electronic billing and electronic payment transactions,

wherein a discount or incentive is provided for the use of said secondary services.

11. The system of claim 10, wherein software is downloaded from said bank service provider for use in conjunction with said secondary services.

12. The system of claim 10, wherein said secondary services are cell phone services.

13. The system of claim 12, further comprising:

said bank service provider providing a voucher for a free cell phone or cell phone upgrade.

14. The system of claim 12, wherein said cell phone services include text messaging services, said discount making said text messaging services free.

15. The system of claim 14, further comprising:

said bank service provider providing a voucher for a free cell phone or cell phone upgrade.

16. The system of claim 12, wherein software is downloaded from said bank service provider for use in conjunction with said secondary services.

17. The system of claim 10, wherein said bank service provider reimburses said secondary service provider for said incentive or discount.

18. The system of claim 10, wherein said bank service provider reimburses said secondary service provider for a portion of said incentive or discount.