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US 2020/0265459 A1Published application
Processing mobile banking transactions
AssigneeMichelle Fisher
InventorMichelle Fisher
Life of this patent
Estimating the term…
Abstract
A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.
Claims49
A method for processing a mobile banking transaction,
- maintaining, at a remote management server, a payment method;
- receiving, at the remote management server, an identification code associated with a user and user authentication from a non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via a mobile device display of a mobile device, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon;
- the mobile device including the mobile device display, a mobile device processor, a mobile device memory that maintains the non-browser based application, a mobile device wireless radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA, and a mobile device wireless fidelity (Wi-Fi) interface;
- upon receipt of the identification code associated with the user and the user authentication, authenticating at the remote management server a user of the mobile device prior to conducting the mobile banking transaction;
- after authenticating the user, receiving, at the remote management server, user input from the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the mobile banking transaction through user input via the mobile device display of the mobile device;
- after receiving the mobile banking transaction, transmitting the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;
- after the mobile banking transaction has been processed, receiving a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed;
- and
- transmitting, from the remote management server, a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application.
6 more elements
A system for processing a mobile banking transaction, comprising:
- a mobile device including:
- a mobile device display;
- a mobile device processor;
- a mobile device memory that maintains a non-browser based application, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon;
- a mobile device wireless radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA;
- and
- a mobile device wireless fidelity (Wi-Fi) interface;
- a remote management server including:
- a remote management server memory that maintains a payment method;
- a remote management server transceiver that
- receives an identification code associated with a user and user authentication from the non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via the mobile device display of the mobile device;
- after authenticating the user, receives user input from the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the mobile banking transaction through user input via the mobile device display of the mobile device;
- after receiving the mobile banking transaction, transmits the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;
- after the mobile banking transaction has been processed, receives a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed;
- and
- transmits a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application;
- and
- a remote management server processor that upon receipt of the identification code associated with the user and the user authentication, authenticates a user of the mobile device.
15 more elements
A remote management server for processing a mobile banking transaction comprising:
- a remote management server memory that maintains a payment method;
- a remote management server transceiver that
- receives an identification code associated with a user and user authentication from a non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via a mobile device display of a mobile device, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including the mobile device display, a mobile device processor, a mobile device memory that maintains the non-browser based application, a mobile device radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA, and a mobile device wireless fidelity (Wi-Fi) interface;
- after authenticating the user, receives user input into the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the user input via the mobile device display of the mobile device;
- after receiving the mobile banking transaction, transmits the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;
- after the mobile banking transaction has been processed, receives a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed;
- and.
- transmits a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application;
- and
- a remote management server processor that upon receipt of the identification code associated with the user and the user authentication, authenticates a user of the mobile device.
7 more elements
Dependencies are inferred from the claim text.