PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION
First Claim
1. A method, comprising:
- maintaining a plurality of user profiles and digital artifacts at a management server ;
receiving a request from a mobile application for a digital artifact for display within a specific mobile banking application generated screen in response to the execution of the mobile banking application on a mobile device processor, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property;
selecting the digital artifact based on correlating targeting parameters;
sending the digital artifact to the mobile application for display within the specific mobile banking application generated screen, wherein the mobile banking application is maintained in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and 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.
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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.
280 Citations
20 Claims
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1. A method, comprising:
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maintaining a plurality of user profiles and digital artifacts at a management server ; receiving a request from a mobile application for a digital artifact for display within a specific mobile banking application generated screen in response to the execution of the mobile banking application on a mobile device processor, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property; selecting the digital artifact based on correlating targeting parameters; sending the digital artifact to the mobile application for display within the specific mobile banking application generated screen, wherein the mobile banking application is maintained in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A management server, comprising:
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a management server for processing a mobile banking transaction, the server comprising; a management server memory maintaining a plurality of user profiles and digital artifacts; a management server interface coupled to the server memory, the management server interface operable to receive a request for a digital artifact for display within a specific mobile banking application generated screen, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property; a management server processor operable to select a digital artifact based on correlating targeting parameters; a management server interface operable to send the digital artifact to the mobile application for display within the specific mobile banking application generated screen, wherein the mobile banking application is maintained in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and 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 - 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 a plurality of user profiles and digital artifacts; computer code for receiving a request from a mobile application for a digital artifact for display within a specific mobile banking application generated screen in response to an execution of the mobile banking application on a mobile device processor, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property; computer code for selecting the digital artifact based on correlating targeting parameters; computer code for sending the digital artifact to the mobile application for display within the specific mobile banking application generated screen. wherein the mobile banking application is maintained in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and 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.
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Specification