Electronic system for provision of banking services
AssigneeMonitise Limited
InventorsSteven Atkinson, Alastair Lukies
Life of this patent
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Abstract
An electronic system providing banking services, comprises a server having a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organisations. The first interface is adapted to allow at least balance enquiry requests to be submitted to one of the multiple banking organisations by means of the intermediary and to provide at least balance enquiry replies for display on the user mobile telephony device. The invention provides the functions of the high street ATM using the mobile phone environment.
Claims21
An electronic system providing banking services, comprising a server having:
- a first interface for communication with user mobile telephony devices over a mobile telephone network;
- and
- a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organisations,
- wherein the first interface comprises:
- receiving means adapted to receive at least a balance enquiry request from a user mobile telephony device;
- and
- transmitting means adapted to provide a balance enquiry reply to a user mobile telephony device for display on the user mobile telephony device,
- and wherein the second interface comprises:
- transmitting means adapted to transmit a received balance enquiry request to the intermediary, for re-transmission by the intermediary to one of the multiple banking organisations;
- and
- receiving means adapted to receive a balance enquiry reply from the intermediary.
A method of providing a banking service, comprising:
- receiving a request for the banking service from a user operating a mobile telephony device by selecting options displayed on screen;
- processing the request and communicating with an intermediary acting as a gateway to banking records of multiple banking organisations including a banking organisation of the user;
- and
- providing the response to the request over the mobile telephony network for display on the user mobile telephony device.
An electronic system providing banking services, comprising a server having:
- a first interface for communication with user mobile telephony devices over a mobile telephone network;
- and
- a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organisations,
- wherein the first interface is adapted to allow at least balance enquiry requests to be submitted to one of the multiple banking organisations by means of the intermediary and to provide at least balance enquiry replies for display on the user mobile telephony device.
Dependencies are inferred from the claim text.