PERSONALIZED MOBILE BANKING TRANSACTIONS
First Claim
1. A method, comprising:
- maintaining payment account information by using a mobile banking application in a mobile device memory included in a mobile device, wherein the mobile banking application is not browser based and is preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface;
exchanging data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver configured to support a mobile wireless communication protocol, wherein the remote server authenticates a user of the handheld mobile device prior to conducting the mobile banking transaction;
executing the mobile banking application on a handheld mobile device processor, wherein executing the mobile banking application comprises displaying a digital artifact within the mobile banking application generated screen based on user targeting parameters, the mobile banking application screen corresponding to a specific screen, scene, or real estate property.
3 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.
99 Citations
20 Claims
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1. A method, comprising:
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maintaining payment account information by using a mobile banking application in a mobile device memory included in a mobile device, wherein the mobile banking application is not browser based and is preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface; exchanging data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver configured to support a mobile wireless communication protocol, wherein the remote server authenticates a user of the handheld mobile device prior to conducting the mobile banking transaction; executing the mobile banking application on a handheld mobile device processor, wherein executing the mobile banking application comprises displaying a digital artifact within the mobile banking application generated screen based on user targeting parameters, the mobile banking application screen corresponding to a specific screen, scene, or real estate property. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A mobile device, comprising:
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a mobile device memory included in a mobile device, the mobile device memory configured to maintain payment account information by using a mobile banking application, wherein the mobile banking application is not browser based and is preinstalled or downloaded and installed on the mobile device; a mobile device wireless fidelity (Wi-Fi) interface; a mobile device processor configured to exchange data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver configured to support a mobile wireless communication protocol, wherein the remote server authenticates a user of the handheld mobile device prior to conducting the mobile banking transaction, wherein the mobile device processor is further configured to receive a digital artifact from a management server; wherein a mobile banking application is executed on a handheld mobile device processor, wherein executing the mobile banking application is configured to display a digital artifact within a mobile banking application generated screen received from a management server, the mobile banking application screen corresponding to a specific screen, scene, or real estate property, wherein the digital artifact is based on user profile targeting parameters. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A non-transitory computer readable medium, comprising:
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computer code for maintaining payment account information by using a mobile banking application in a mobile device memory included in a mobile device, wherein the mobile banking application is not browser based and is preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface; computer code for exchanging data associated with the mobile banking application with a remote server by using a handheld mobile device transceiver configured to support a mobile wireless communication protocol, wherein the remote server authenticates a user of the handheld mobile device prior to conducting the mobile banking transaction; computer code for executing the mobile banking application on a handheld mobile device processor, wherein executing the mobile banking application comprises displaying a digital artifact within a mobile banking application generated screen based on user targeting parameters, the mobile banking application screen corresponding to a specific screen, scene, or real estate property.
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Specification