Importance

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Abstract

Methods and apparatus, including computer program products, for gift card services. In general, data characterizing a request to provide a merchant credit service to an intended recipient is received and a message to be sent to the intended recipient is generated, where the message characterizes a phone number to call to activate the merchant credit service. Data characterizing authentication by a call to the phone number to activate the merchant credit service from the mobile phone number of the intended recipient is received, where the authentication includes checking caller identification of the call to ensure the call is from the mobile phone number of the intended recipient. The merchant credit service is activated. Credit associated with an account of a merchant credit service may be redeemed by providing an account number of the service. Redemption may be authorized based on caller identification of a mobile phone number associated with an account.

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First Claim