Mobile banking transactions at a server with authentication
First Claim
1. 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 information related to a PIN from a non-browser based application stored on a mobile device, wherein the non-browser based application stored on the mobile device receives the identification code associated with the user and the information related to the PIN via—
a mobile device display of the mobile device, wherein the non-browser based application is a mobile operating system platform based 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 information related to the PIN, 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 a mobile banking transaction request, wherein the non-browser based application stored on the mobile device receives the mobile banking transaction request through user input via the mobile device display of the mobile device;
after receiving the mobile banking transaction request, processing at the remote management server the mobile banking transaction using the payment method; and
after the mobile banking transaction has been processed, sending, 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.
2 Assignments
0 Petitions
Accused Products
Abstract
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
-
Citations
45 Claims
-
1. 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 information related to a PIN from a non-browser based application stored on a mobile device, wherein the non-browser based application stored on the mobile device receives the identification code associated with the user and the information related to the PIN via—
a mobile device display of the mobile device, wherein the non-browser based application is a mobile operating system platform based 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 information related to the PIN, 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 a mobile banking transaction request, wherein the non-browser based application stored on the mobile device receives the mobile banking transaction request through user input via the mobile device display of the mobile device; after receiving the mobile banking transaction request, processing at the remote management server the mobile banking transaction using the payment method; and after the mobile banking transaction has been processed, sending, 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. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 18, 19, 20, 21, 22, 23, 24, 25, 27, 36, 37, 38, 39, 44)
-
-
2. 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 based 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 information related to a PIN from the non-browser based application stored on the mobile device, wherein the non-browser based application stored on the mobile device receives the identification code associated with the user and information related to the PIN via the mobile device display of the mobile device; and after authenticating the user, receives user input from the non-browser based application to initiate a mobile banking transaction request, wherein the non-browser based application stored on the mobile device receives the mobile banking transaction request through user input via the mobile device display of the mobile device; and after the mobile banking transaction has been processed, sends 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; a remote management server processor that upon receipt of the identification code associated with the user and the information related to the PIN, authenticates a user of the mobile device; and after receiving the mobile banking transaction request, processes the mobile banking transaction using the payment method. - View Dependent Claims (12, 13, 14, 15, 16, 17, 26, 28, 29, 30, 31, 32, 33, 34, 35, 40, 41, 42, 43, 45)
-
-
3. 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 information related to a PIN from a non-browser based application stored on a mobile device, wherein the non-browser based application stored on the mobile device receives the identification code associated with the user and information related to the PIN via a mobile device display of the mobile device, wherein the non-browser based application is a mobile operating system platform based 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; and after authenticating the user, receives user input into the non-browser based application to initiate a mobile banking transaction request, wherein the non-browser based application stored on the mobile device receives the user input via the mobile device display of the mobile device; and after the mobile banking transaction has been processed, sends 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 a remote management server processor that upon receipt of the identification code associated with the user and information related to the PIN, authenticates a user of the mobile device; and after receiving the mobile banking transaction request, processes the mobile banking transaction using the payment method.
-
Specification