Mobile applications

• US 20050037735A1
• Filed: 07/01/2004
• Published: 02/17/2005
• Est. Priority Date: 07/31/2003
• Status: Abandoned Application

• Current Assignee: NCR Corporation (NCR Voyix Corporation)
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Coutts, Michael
• Application Number:
  US10/883,521
• Publication Number:
  US 20050037735A1
• Time in Patent Office: Days
• US Class Current: 455/411
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A mobile device (24), such as a mobile telephone, that includes a client application that has embedded or hard-coded code or instructions that are customized for a pre-determined user. Preferably, the client application is operable to present a customized user interface (26) to the user, in which the user'"'"'s account nick-names are presented rather than the actual account numbers.

Claims

1. A mobile device comprising:

a client application including embedded or hard-coded code or instructions customized for a pre-determined user.

2. A mobile device as claimed in claim 1, wherein the customized code or instructions include personalized information relating to financial services.

3. A mobile device as claimed in claim 2, wherein the personalized information includes one or more pre-determined nick-names that a user has allocated to specific financial instruments such as a bank account.

4. A mobile device as claimed in claim 3, wherein the customized code or instructions include the user'"'"'s name.

5. A mobile device as claimed in claim 1, wherein the customized code or instructions include user specific security data or information.

6. A mobile device as claimed in claim 5, wherein the security data or information comprises a digital certificate or a private key.

7. A client application for use in a mobile device, the client application comprising:

embedded or hard coded code or instructions customized for a pre-determined user.

8. A client application as claimed in claim 7, wherein the customized code or instructions include personalized information relating to financial services.

9. A client application as claimed in claim 8, wherein the customized code or instructions include one or more pre-determined nick-names that a user has allocated to specific financial instruments such as a bank account.

10. A client application as claimed in claim 9, wherein the customized code or instructions include the user'"'"'s name.

11. A client application as claimed in claim 7, wherein the customized code or instructions include user specific security data or information.

12. A client application as claimed in claim 11, wherein the security data or information comprises a key for use in an encryption process or a digital certificate.

13. A client application as claimed in claim 7, further comprising code or instructions for using the customized information to create a personalized user interface.

14. A method of dynamically generating a client application, the method comprising:

embedding user specific information in a client application.

15. A method as claimed in claim 14, further comprising extracting user specific information from a database and embedding the extracted information in the client application.

16. A method as claimed in claim 15, wherein the user specific information includes nick-names allocated by a user.

17. A method as claimed in claim 14, wherein the user specific information includes security data or information which comprises a key for use in an encryption process or a digital certificate.

18. A device for allowing access to financial accounts, the device comprising:

means for retrieving one or more personalized account names for a pre-determined user, each personalized account name corresponding to a specified account and each being associated with an index or identifier which is different from the account number;

means for presenting a personalized interface to the user including the user'"'"'s personalized account names;

means for receiving a user request for services relating to a selected account;

means for identifying the index or identifier for the selected account, and

means for using the index or identifier to identify the selected account in communications with a remote system.

19. A device as claimed in claim 18, further comprising means for retrieving the personalized information from a smart card.

20. A device as claimed in claim 18, further comprising means for retrieving the personalized information from a remote server.

21. A device as claimed in claim 18, further comprising means for retrieving the personalized information via a wireless connection.

22. A device as claimed in claim 18, wherein the personalized information includes the index or identifier.

23. A device as claimed in claim 18, further comprising means for inferring the index number from the order in which the personalized account names are provided.

24. A device as claimed in claim 18, further comprising a cash dispenser of the automated teller machine (ATM) type for dispensing cash to a user during a cash dispensing transaction.

25. A method of allowing access to financial accounts, the method comprising:

retrieving one or more personalized account names for a predetermined user, each personalized account name corresponding to a specified account and each being associated with an index or identifier which is different from the account number;

presenting a personalized interface to the user including the user'"'"'s personalized account names;

receiving a user request for services relating to a selected account;

identifying the index or identifier for the selected account; and

using the index or identifier to identify the selected account in communications with a remote system.