Registering a Mobile User

1 . A method of registering a user of a mobile device comprising the steps of:

obtaining data identifying a user;

obtaining account data;

retrieving data uniquely identifying a mobile device;

authenticating the user with the mobile device; and

validating the user with the account using the data identifying the user and the account data.

2 . The method of claim 1 , wherein the account is a financial account.

3 . The method of claim 1 , wherein validating the user occurs outside of the mobile device.

4 . The method according to claim 1 , wherein the data uniquely identifying the mobile device is any one or more selected from the group consisting of: MAC address, WiFi identifier, international mobile subscriber identity, IMSI, unique identifier ID, UDID, near field communication, NFC, Identifier, MSISDN, and IMEI.

5 . The method according to claim 1 , wherein authenticating the user with the mobile device comprises a password, pass phrase, pass code or pass number challenge.

6 . The method according to claim 1 , wherein validating the user comprises the steps of:

sending a payment with a reference to the account;

and receiving from the user the reference.

7 . The method according to claim 1 , wherein validating the user comprises the steps of:

retrieving user data associated with the account from a third party; and

comparing the retrieved user data with the obtained data identifying the user.

8 . The method according to claim 1 further comprising the step of setting an access password, pass phrase, pass code or pass number before obtaining the data identifying the user and obtaining the account data.

9 . The method of claim 8 further comprising the step of requiring input from the user of a correct access password, pass phrase, pass code or pass number before the user is registered.

10 . The method according to claim 1 , wherein the data identifying the user is any one or more selected from the group consisting of: name, date of birth, gender, nationality, place of birth and nationality of parent.

11 . The method according to claim 1 , wherein obtaining data identifying a user occurs before authenticating the user with the mobile device, which occurs before validating the user the account.

12 . The method according to claim 1 , wherein the user is registered with a peer-to-peer payments system.

13 . A system for registering a user of a mobile device comprising:

a database of registered users; and

logic configured to:

receive data identifying a user,

receive account data,

authenticate the user with the mobile device using data uniquely identifying the mobile device retrieved from the mobile device,

validate the user with the account using the data identifying the user and the account data, and

if the validation is successful, adding the user to the database of registered users.

14 . The system of claim 13 further comprising a network connection configured to receive data from one or more mobile devices.

15 . The system of claim 13 further comprising an electronic peer-to-peer payment system configured to initiate payments between registered users.

16 . A mobile application for registering a user of a mobile device comprising logic configured to:

obtain data identifying a user;

obtain account data;

retrieve data uniquely identifying a mobile device;

authenticate the user with the mobile device; and

receive confirmation that the user and the account have been verified using the data identifying the user and the account data.

17 . The mobile application of claim 16 , wherein the logic is further configured to initiate and/or accept electronic peer-to-peer payments.

18 . (canceled)

19 . (canceled)

20 . (canceled)

21 . A non-transitory computer readable storage medium storing computer readable instructions which, when read by a computer, instruct the computer to perform the method of claim 1 .

22 . A computer programmed to perform the method of claim 1 .