| 摘要 |
Disclosed herein is a method, in which each step is computer-implemented, including receiving, via a point of sale terminal, a mobile device telephone number of a mobile device associated with a user, and a personal identification number selected by the user. The mobile device telephone number is checked against a database to determine if the mobile device telephone number is already present. A payment account is created if the mobile device telephone number is not already associated with a payment account. The mobile device telephone number serves as an account number. An account confirmation message is transmitted to the mobile device via direct use of the account number. A transfer of funds to affect payment is administered via a stored fund account. The stored fund account is associated with the account number, and is a ledger of actual funds where the actual funds are located in a second account. |
| 主权项 |
1. A method, in which each step is computer-implemented, comprising the steps of:
receiving, via a point of sale terminal operated by a merchant, (i) a mobile device telephone number of a mobile device associated with a user and (ii) a personal identification number selected by the user; checking the mobile device telephone number against a first database of account numbers administrated by a payment service to determine if the mobile device telephone number is already present in the first database; creating a payment account for the user using an account server if the mobile device telephone number is not already in the first database, the mobile device telephone number serving as an account number for the payment account; transmitting, via direct use of the account number for the payment account, an account confirmation message to the mobile device associated with the user; and administering a transfer of funds to affect payment for a payment transaction via a stored fund account; wherein the stored fund account: (i) is associated with the account number, and (ii) is a ledger of actual funds, the actual funds being located in a second account. |
