Dynamic communication

• US 10,212,581 B2
• Filed: 09/04/2018
• Issued: 02/19/2019
• Est. Priority Date: 12/21/2012
• Status: Active Grant

• Current Assignee: Morgan Stanley Services Group Inc. (Morgan Stanley)
• Original Assignee: E*Trade Financial Corporation (Morgan Stanley)
• Inventors: Sahoo, Sanjib
• Primary Examiner(s): Miah, Liton
• Application Number:
  US16/120,686
• Publication Number:
  US 20180376324A1
• Time in Patent Office: 168 Days
• CPC Class Codes: H04W 4/18 Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 8/22 Processing or transfer of terminal data, e.g. status or physical capabilities

Abstract

The disclosed embodiments relate to provisioning of a service, such as a financial service, to a device, such as a mobile device operative to access the service wirelessly or otherwise, in a manner which efficiently provides a consistent user experience which meets a user'"'"'s expectations as to the functionality and quality of the service, including the user interface therefore and service delivery, which leverages the available capacities of the devices through which the service is provided so as to maximize the functionality and quality of the provided service without diminishing the experience, i.e. without substantially reducing the quality or functionality.

Claims

1. A computer implemented method comprising:

monitoring, periodically by a processor of an intermediary device coupled between a mobile device and a financial data source, utilization of at least one capability of the mobile device so as to determine an available portion thereof, the mobile device executing at least one financial application operative to receive a plurality of financial data transmitted from the financial data source to the mobile device; and

causing, dynamically by the processor of the intermediary based on the determined available portion of the at least one capability of the mobile device, the at least one financial application executing on the mobile device to direct the data source to modify the transmission of the financial data to the mobile device.

2. The computer implemented method of claim 1 wherein the at least one capability of the mobile device comprises communications bandwidth between the financial data source and the mobile device.

3. The computer implemented method of claim 1 wherein the causing further comprises determining, by the processor, that the available portion of the at least one capability has decreased and, based thereon, causing, by the processor, the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selectively inhibiting transmission of new data.

4. The computer implemented method of claim 3 wherein the causing further comprises causing, by the processor, the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selectively inhibiting transmission of new data by deleting new data that is the same as previously inhibited data and transmitting new data that is not the same as previously inhibited data.

5. The computer implemented method of claim 3 wherein the causing further comprises causing, by the processor, the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selectively inhibiting transmission of new data and combining the inhibited data with previously inhibited data for subsequent transmission to the mobile device.

6. The computer implemented method of claim 1 wherein the intermediary device is logically integrated with the financial data source.

7. The computer implemented method of claim 1 wherein the monitoring further comprises interrogating, by the processor of the intermediary device, the mobile device using an interrogation protocol.

8. The computer implemented method of claim 1 wherein the mobile device is further executing at least one other application operative to receive another plurality of data transmitted from the financial data source or another data source to the mobile device, the method further comprising causing, by the processor based on the determined available portion of the at least one capability of the mobile device, the at least one other application to direct the financial data source or other data source to modify the transmission of the financial data or other data to the mobile device, the modification of the transmission of the other data being different from the modification of the transmission of the financial data and one of prioritizing or balancing the transmission of the financial data with respect to the transmission of the other data.

9. A system comprising:

first logic stored in a memory and executable by a processor of an intermediary coupled between a financial data source and a mobile device to cause the processor to monitor, periodically, utilization of at least one capability of the mobile device and to determine an available portion thereof, the mobile device executing at least one financial application operative to receive a plurality of financial data transmitted from the financial data source to the mobile device; and

second logic stored in the memory and executable by the processor to cause the processor to cause, dynamically based on the determined available portion of the at least one capability of the mobile device, the at least one application to direct the data source to modify the transmission of the financial data to the mobile device.

10. The system of claim 9 wherein the at least one capability of the mobile device comprises communications bandwidth between the financial data source and the mobile device.

11. The system of claim 9 wherein the second logic is further executable by the processor to cause the processor to determine that the available portion of the at least one capability has decreased and, based thereon, cause the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selective inhibition of transmission of new data.

12. The system of claim 11 wherein the second logic is further executable by the processor to cause the processor to cause the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selective inhibition of transmission of new data by deletion of new data that is the same as previously inhibited data and transmission of new data that is not the same as previously inhibited data.

13. The system of claim 11 wherein the second logic is further executable by the processor to cause the processor to cause the at least one financial application to direct the financial data source to limit the transmission of the financial data to the mobile device by selective inhibition of transmission of new data and combination of inhibited data with previously inhibited data for subsequent transmission to the mobile device.

14. The system of claim 9 wherein the intermediary device is logically integrated with the financial data source.

15. The system of claim 9 wherein the first logic is further executable by the processor to cause the processor to monitor utilization of at least one capability of the mobile device via interrogation of the mobile device using an interrogation protocol.

16. The system of claim 9 wherein the mobile device is further executing at least one other application operative to receive another plurality of data transmitted from the financial data source or another data source to the mobile device, the second logic being further executable by the processor to cause the processor to cause, based on the determined available portion of the at least one capability of the mobile device, the at least one other application to direct the financial data source or other data source to modify the transmission of the financial data or other data to the mobile device, the modification of the transmission of the other data being different from the modification of the transmission of the financial data to one of prioritize or balance the transmission of the financial data with respect to the transmission of the other data.

17. A system comprising computer executable program code stored in a non-transitory memory and executable by a processor coupled therewith of an intermediary device coupled between a financial data source and a mobile device to cause the processor to monitor, periodically, utilization of at least one capability of the mobile device and to determine an available portion thereof, the mobile device executing at least one financial application, of a plurality of applications, operative to receive a plurality of financial data transmitted from the financial data source to the mobile device, and cause, dynamically based on the determined available portion of the at least one capability of the mobile device, the at least one financial application to direct the financial data source to modify the transmission of the financial data to the mobile device.

18. The system of claim 17 wherein the at least one capability of the mobile device comprises communications bandwidth between the financial data source and the mobile device.

19. The system of claim 17 wherein the computer executable program code is further executable by the processor to cause the processor to determine that the available portion of the at least one capability has decreased and, based thereon, cause at least one of the plurality of applications to direct the financial data source to limit the transmission of the plurality of financial data to the mobile device by selectively inhibiting transmission of new data.

20. The system of claim 19 wherein the computer executable program code is further executable by the processor to cause the processor to cause the at least one of the plurality of applications to direct the financial data source to limit the transmission of the financial data to the mobile device by selectively inhibiting transmission of new data by deleting new data that is the same as previously inhibited data and transmitting new data that is not the same as previously inhibited data.

21. The system of claim 19 wherein the computer executable program code is further executable by the processor to cause the processor to cause the at least one of the plurality of applications to direct the financial data source to limit the transmission of the financial data to the mobile device by selectively inhibiting transmission of new data and combining the inhibited data with previously inhibited data for subsequent transmission to the mobile device.