Method and system for user signup by a network service provider
View Patent ↗A system and a method for performing purchase transactions over a network are provided. The system includes a server controlled by a service provider, including a link to a network; a processor circuit, the processor circuit configured to receive purchase requests from a mobile phone, and to transfer funds from a user account to a vendor account; and a memory circuit storing a plurality of mobile phone numbers and a plurality of personal identification numbers (PINs), wherein each mobile phone number and PIN is associated with a user account. A non-transitory machine-readable medium may include a plurality of machine-readable instructions which when executed by one or more processors of a server controlled by a service provider are adapted to cause the server to perform a method as above.
1. A system for creating a payment account over a network, the system comprising:
a server controlled by a service provider, wherein the server comprises a link to a network;
a processor circuit, wherein the processor circuit is configured to receive a payment account creation request from a mobile phone via a network carrier; and
a memory circuit coupled to the processor circuit;
wherein the processor circuit is configured to:
receive a mobile phone number from the mobile phone;
communicate the mobile phone number to the wireless carrier;
receive information about a user associated with the mobile phone number from the wireless carrier;
store a personal identification number (PIN) associated with the user corresponding to the mobile phone number in the memory circuit; and
create a payment account for the user based on the mobile phone number.
2. The system of claim 1 wherein the processor circuit is further configured to receive a verification of the mobile phone number for the wireless carrier.
3. The system of claim 1 wherein the received information comprises an email address associated with the user.
4. The system of claim 1 wherein the received information comprises a billing address associated with the user.
5. The system of claim 1 wherein the received information comprises a payment plan type for an account of the user with the wireless carrier.
6. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server controlled by a service provider are adapted to cause the server to perform a method comprising:
receiving a mobile phone number;
communicating the mobile phone number to a wireless carrier;
receiving information about a user associated with the mobile phone number from the wireless carrier;
storing a personal identification number (PIN) associated with the user corresponding to the mobile phone number; and
creating, by a payment provider, a payment account for the user based on the mobile phone number.
7. The non-transitory machine-readable medium of claim 6 wherein the method further comprises verifying the mobile phone number with the wireless carrier before creating the payment account.
8. The non-transitory machine-readable medium of claim 6 wherein the received information comprises an email address associated with the user.
9. The non-transitory machine-readable medium of claim 6 wherein the received information comprises a billing address associated with the user.
10. The non-transitory machine-readable medium of claim 6 wherein the received information comprises a payment plan type for an account of the user with the wireless carrier.
11. The non-transitory machine-readable medium of claim 10 wherein the payment plan type is selected from a group consisting of a pre-paid plan and a post-pay plan.
12. The non-transitory machine-readable medium of claim 6 wherein the received information comprises an account number for an account of the user with the wireless carrier.
13. The non-transitory machine-readable medium of claim 6 wherein the method further comprises performing an identify check on the user based on the received information.
14. The non-transitory machine-readable medium of claim 6 wherein the method further comprises performing a credit check on the user based on the received information.
15. The non-transitory machine-readable medium of claim 6 wherein the method further comprises notifying the user of the creation of the payment account.
16. The non-transitory machine-readable medium of claim 6 wherein the method further comprises:
completing a purchase transaction using the payment account; and
charging an account of the user with the wireless carrier for an amount of the purchase transaction.
17. A method for creating a payment account for a user by a service provider having a processor circuit and a memory circuit, the method comprising:
receiving a mobile phone number;
communicating the mobile phone number to a wireless carrier;
receiving information about the user associated with the mobile phone number from the wireless carrier;
storing a personal identification number (PIN) associated with the user corresponding to the mobile phone number; and
creating, by a payment provider, the payment account for the user based on the mobile phone number.
18. The method of claim 17 , further comprising performing an identity check or a credit check of the user using a third-party service.
19. The method of claim 17 , further comprising verifying the mobile phone number with the wireless carrier before creating the payment account.
20. The method of claim 17 wherein creating the payment account comprises creating a temporary payment account when a payment plan type for an account of the user with the wireless carrier is a pre-paid account.