Banking system with enhanced identification of financial accounts

Abstract

A computer based banking system in which at least selected clients termed participating system members have access to a remote device adapted to communicate with the computer base banking system such that financial transactions can be conducted by remote operation of the remote device by the participating system member to result in the debiting of a financial data base record associated with an instructing participating system member and in the crediting of a different financial data base record. Each data base record is identified by a conventional account number generated to conform to banking numbering standards as well as a linked communication number.

1 .- 9 . (canceled) 
     
     
         10 . A method comprising:
 receiving from a subscriber, at a computerized server, information regarding a selected recipient and a communication number, wherein the communication number comprises a national area code or national mobile operator code followed by a subscriber mobile telephone number or the subscriber's national identity number, or a part thereof, followed by an identifying number;   identifying, by the computerized server, an account number from the communication number, wherein the account number is linked to a data base record; and   transferring funds from the database record to a recipient data base record using the identified account number.   
     
     
         11 . The method of  claim 10  further comprising receiving a PIN from the subscriber in addition to the communication number. 
     
     
         12 . The method of  claim 10  further comprising, sending by the computerized server, confirmation messages to the recipient and to the subscriber. 
     
     
         13 . The method of  claim 10  wherein the account number is a bank account number. 
     
     
         14 . The method of  claim 10  wherein the identifying number is two digits long. 
     
     
         15 . The method of  claim 10  wherein a symbol precedes the communication number. 
     
     
         16 . A computerized server which is programmed to:
 receive from a subscriber, at the computerized server, information regarding a selected recipient and a communication number, wherein the communication number comprises a national area code or national mobile operator code followed by a subscriber mobile telephone number or the subscriber's national identity number, or a part thereof, followed by an identifying number;   identify, by the computerized server, an account number from the communication number, wherein the account number is linked to a data base record; and   transfer funds from the database record to a recipient data base record using the identified account number.   
     
     
         17 . The computerized server of  claim 16  wherein the computerized server is further programmed to receive a PIN from the subscriber in addition to the communication number. 
     
     
         18 . The computerized server of  claim 16  wherein the computerized server is further programmed to send by the computerized server, confirmation messages to the recipient and to the subscriber. 
     
     
         19 . The computerized server of  claim 16  wherein the account number is a bank account number. 
     
     
         20 . The computerized server of  claim 16  wherein the identifying number is two digits long. 
     
     
         21 . The computerized server of  claim 16  wherein a symbol precedes the communication number. 
     
     
         22 . A method comprising:
 providing, by a subscriber's mobile telephone, to a computerized server, information regarding a selected recipient and a communication number, wherein the communication number comprises a national area code or national mobile operator code followed by a subscriber mobile telephone number or the subscriber's national identity number, or a part thereof, followed by an identifying number, wherein the computerized server identifies an account number from the communication number, wherein the account number is linked to a data base record, and transfers funds from the database record to a recipient data base record using the identified account number; and   receiving a confirmatory message regarding the transfer of funds.   
     
     
         23 . The method of  claim 22  further comprising providing a PIN from the subscriber's mobile telephone in addition to the communication number. 
     
     
         24 . The method of  claim 22  wherein the account number is a bank account number. 
     
     
         25 . The method of  claim 22  wherein the identifying number is two digits long. 
     
     
         26 . The method of  claim 22  wherein a symbol precedes the communication number.