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System and method for message-based conversations

  • US 8,903,434 B2
  • Filed: 12/31/2008
  • Issued: 12/02/2014
  • Est. Priority Date: 12/31/2008
  • Status: Active Grant
First Claim
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1. 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.

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