METHOD AND SYSTEM FOR SCHEDULING A BANKING TRANSACTION THROUGH A MOBILE COMMUNICATION DEVICE

• US 20080052233A1
• Filed: 10/31/2007
• Published: 02/28/2008
• Est. Priority Date: 12/31/2005
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Mobile Candy Dish, Inc.
• Inventors: Guha, Rathin, FISHER, Michelle
• Granted Patent: US 8,190,087 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.

Claims

1. A method for scheduling a banking transaction using a mobile communication device, the method comprising:

creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity;

the mobile communication device actively monitoring for an available network to access;

in response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.

2. The method of claim 1, wherein the banking transaction comprises one or more of a bill pay transaction, a fund transfer transaction, and a pay anyone transaction.

3. The method of claim 1, wherein the mobile communication device is a cellular phone.