US 2002/0120571 A1 · Wireless financial system

Abstract

A system for enabling wireless interaction between a user of a wireless device and a financial institution is provided. The preferred embodiment comprises three layers, namely a presentation layer, a business logic layer, and a data access layer, each manipulating or accessing data and passing said data in a preferred format to the other layers irrespective of the wireless device used or the financial institution queried. The presentation layer receives the user request, makes appropriate requests of the financial institution through the business logic layer, obtains the financial information using the data access layer, and returns the financial information to the user over a wireless network. A user can employ various wireless devices to interact with the network, including but not limited to cellular telephones, PDAs, and laptop computing devices. The entire transaction is provided in a secure environment.

Claims5

Dependent claims

A system for providing wireless device access to financial information maintained at a financial institution, comprising:

a presentation layer for preparing financial information presented in a standard format for display on an individual device;
a business logic layer controlling application flow using a workflow engine to make calls to receive financial information and to make calls to the presentation layer to generate device output;
and
a data access layer for accessing financial data from financial institutions based on client requests;
wherein financial data accessed by said data access layer is passed to said business logic layer for relevant formatting of said data, to said presentation layer for rendering, and to said wireless device.

2 more elements

Dependencies are inferred from the claim text.

Wireless financial system

Life of this patent

Wireless financial system

Life of this patent

Abstract

Claims5