ACCESS OF AN ONLINE FINANCIAL ACCOUNT THROUGH AN APPLIED GESTURE ON A MOBILE DEVICE

• US 20110251954A1
• Filed: 06/23/2011
• Published: 10/13/2011
• Est. Priority Date: 05/17/2008
• Status: Abandoned Application

• Current Assignee: David H. Chin
• Original Assignee: David H. Chin
• Inventors: Chin, David H.
• Application Number:
  US13/166,829
• Publication Number:
  US 20110251954A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 2203/04808 Several contacts: gestures triggering a specific function, e.g. scrolling, zooming, right-click, when the user establishes several contacts with the surface simultaneously; e.g. using several fingers or a combination of fingers and pen
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method of accessing an online financial account through an applied gesture on a mobile device is disclosed. In one aspect, a method of a mobile device includes determining that an applied gesture on a touchscreen of a mobile device is associated with a user-defined gesture. The method may include comparing the applied gesture above the touchscreen of the mobile device with a designated security gesture and then permitting an access of an online financial account through the mobile device when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

Claims

1. A method comprising:

determining that an applied gesture on a touchscreen of a mobile device is associated with a user-defined gesture;

comparing the applied gesture above the touchscreen of the mobile device with a designated security gesture; and

permitting an access of an online financial account through the mobile device when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

2. The method of claim 1 further comprising authenticating the mobile device to access the online financial account such that a financial asset of the online financial account is controllable through the mobile device based on the designated security gesture.

3. The method of claim 2 further comprising restricting the access of the online financial account when the applied gesture above the touchscreen of the mobile device is different than the designated security gesture.

4. The method of claim 3 further comprising permitting a financial transaction when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

5. The method of claim 3 further comprising permitting a payment of a bill through the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture, wherein the online financial account is an online bank account.

6. The method of claim 5 further comprising permitting a transfer of the financial asset of the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

7. The method of claim 6 further comprising permitting a deposit of a bank cheque to the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

8. The method of claim 7 further comprising permitting a review of an online statement of the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

9. The method of claim 8 further comprising remotely enabling a user to define the user-defined gesture.

10. The method of claim 9 wherein the applied gesture and the user-defined gesture are dependent on a scale value and a position value within an input area of the mobile device.

11. The method of claim 9 wherein the applied gesture and the user-defined gesture are independent of a scale value and a position value within an input area of the mobile device.

12. The method of claim 9 wherein the designated security gesture is stored in a remote computer server.

13. The method of claim 3 further comprising confirming a financial transaction of the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture, wherein the online financial account is an online brokerage account.

14. A method of a mobile device comprising:

processing an applied gesture on a touchscreen of a mobile device such that an online financial account is accessible through the mobile device based on the applied gesture;

determining that the applied gesture on a touchscreen of a mobile device is associated with a user-defined gesture;

comparing the applied gesture above the touchscreen of the mobile device with a designated security gesture; and

permitting an access of the online financial account through the mobile device when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

15. The method of claim 14 further comprising authenticating the mobile device to access the online financial account such that a financial asset of the online financial account is controllable through the mobile device based on the designated security gesture.

16. The method of claim 15 further comprising restricting the access of the online financial account when the applied gesture above the touchscreen of the mobile device is different than the designated security gesture.

17. The method of claim 16 further comprising permitting a payment of a bill through the online financial account when the applied gesture above the touchscreen of the mobile device matches the designated security gesture.

18. A method comprising:

determining that an applied gesture on a touch-receptive area of a mobile device is associated with a user-defined gesture;

comparing the applied gesture above the touch-receptive area of the mobile device with a designated security gesture; and

permitting an access of an online financial account through the mobile device when the applied gesture above the touch-receptive area of the mobile device matches the designated security gesture.

19. The method of claim 18 further comprising authenticating the mobile device to access the online financial account such that a financial asset of the online financial account is controllable through the mobile device based on the designated security gesture.

20. The method of claim 19 further comprising restricting the access of the online financial account when the applied gesture above the touch-receptive area of the mobile device is different than the designated security gesture.