METHOD AND SYSTEM FOR MOBILE BANKING USING A MOBILE APPLICATION
First Claim
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1. A method for conducting a mobile banking transaction using a handheld mobile device, the method comprising:
- maintaining a mobile banking application in a handheld mobile device memory, wherein the mobile banking application is preinstalled or downloaded and installed by a user on the mobile communications device;
exchanging data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver, wherein the remote server authenticates a user of the handheld mobile device to conduct a mobile banking transaction;
executing the mobile banking application on a handheld mobile device processor, wherein executing the mobile banking application comprises displaying an account balance associated with the user and displaying a transaction history associated with the user.
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Abstract
A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.
58 Citations
20 Claims
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1. A method for conducting a mobile banking transaction using a handheld mobile device, the method comprising:
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maintaining a mobile banking application in a handheld mobile device memory, wherein the mobile banking application is preinstalled or downloaded and installed by a user on the mobile communications device; exchanging data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver, wherein the remote server authenticates a user of the handheld mobile device to conduct a mobile banking transaction; executing the mobile banking application on a handheld mobile device processor, wherein executing the mobile banking application comprises displaying an account balance associated with the user and displaying a transaction history associated with the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A handheld mobile device for conducting a mobile banking transaction using comprising:
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a handheld mobile device memory configured to maintain a mobile banking application, wherein the mobile banking application is preinstalled or downloaded and installed by a user on the handheld mobile device; a handheld mobile device transceiver configured to exchange data associated with the mobile banking application with a remote server, wherein the remote server authenticates a user of the handheld mobile device to conduct a mobile banking transaction; a handheld mobile device processor configured to execute the mobile banking application, wherein executing the mobile banking application comprises displaying an account balance associated with the user and displaying a transaction history associated with the user. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification