Methods, systems, and computer program products for joint account registers

• US 7,400,883 B2
• Filed: 07/22/2004
• Issued: 07/15/2008
• Est. Priority Date: 07/22/2004
• Status: Expired due to Fees

• Current Assignee: Bellsouth Intellectual Property Corporation (AT&T, Inc.)
• Original Assignee: AT&T Services Incorporated (AT&T, Inc.)
• Inventors: Rivers, Paul B., Diggle, Frederick III
• Primary Examiner(s): Beamer; Temica M
• Application Number:
  US10/896,650
• Publication Number:
  US 20060020479A1
• Time in Patent Office: 1,454 Days
• Field of Search: 455405-408, 455/414.1, 455/419, 455/420
• US Class Current: 455/414.1
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3676 Balancing accounts
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A first account profile is on a first mobile communications device and a second account profile is on a second mobile communications device. User input of transactional information is accepted on the first mobile communications device. The first account profile on the first mobile communications device is modified based on the transactional information. A message is transmitted including the transactional information to the second mobile communications device.

Claims

1. A method for providing communications between a first account profile on a first mobile communications device and a second account profile on a second mobile communications device, the method comprising:

accepting user input of transactional information on the first mobile communications device;

modifying the first account profile on the first mobile communications device based on the transactional information;

transmitting a message including the transactional information to the second mobile communications device, wherein the first account profile is stored on the first mobile communications device and the second account profile is stored on the second mobile communications device, receiving a message at the first mobile communications device from the second mobile communications device comprising at least a portion of the second account profile;

comparing the first account profile and the at least a portion of the second account profile; and

if the first account profile and the second account profile are not synchronized, transmitting an error message to the second communications device.

2. The method of claim 1, further comprising:

receiving another message including transactional information from the second mobile communications device; and

modifying the first account profile on the first mobile communications device based on the transactional information in the other message.

3. The method of claim 1, further comprising:

receiving the message at the second mobile communications device; and

modifying the second account profile on the second mobile communications device based on the transactional information.

4. The method of claim 1, wherein the step of transmitting the message includes automatically transmitting an identifier that identifies the message as including authorized transactional information.

5. The method of claim 4, wherein the identifier includes information identifying the message as originating in the first mobile communications device.

6. The method of claim 4, wherein the identifier includes a tone and a telecommunications link is identified as a link including the message if the link includes the tone.

7. The method of claim 1, wherein the first account profile and the second account profile include register checking information.

8. The method of claim 7, wherein the transactional information includes a withdrawal or deposit amount.

9. The method of claim 1, comprising automatically initiating a telecommunications link between the first mobile communications device and the second mobile communications device to transmit the transactional information.

10. The method of claim 1, wherein the first mobile communications device and the second mobile communications device are cellular telephones.

17. The computer program product of claim 10, wherein the transactional information includes a withdrawal or deposit amount.

11. A computer program product for providing joint communications between a first account profile on a first mobile communications device and a second account profile on a second mobile communications device, the computer program product comprising:

a computer readable medium having computer readable program code embodied therein, the computer readable program code comprising;

computer readable program code that is configured to accept user input of transactional information on the first mobile communications device;

computer readable program code that is configured to modify the first account profile on the first mobile communications device based on the transactional information;

computer readable program code that is configured to transmit a message including the transactional information to the second mobile communications device;

computer readable program code that is configured to receive a message at the first mobile communications device from the second mobile communications device comprising at least a portion of the second account profile;

computer readable program code that is configured to compare the first account profile and the at least a portion of the second account profile; and

computer readable program code that is configured to transmit an error message to the second communications device if the first account profile and the second account profile are not synchronized.

12. The computer program product of claim 11, further comprising:

computer readable program code that is configured to receive another message including transactional information from the second mobile communications device; and

computer readable program code that is configured to modify the first account profile on the first mobile communications device based on the transactional information in the other message.

13. The computer program product of claim 11, wherein the computer program code configured to transmit the message includes computer program code that is configured to automatically transmit an identifier that identifies the message as including authorized transactional information.

14. The computer program product of claim 13, wherein the identifier includes information identifying the message as originating in the first mobile communications device.

15. The computer program product of claim 11, wherein the identifier includes a tone and a telecommunications link is identified as a link including the message if the link includes the tone.

16. The computer program product of claim 15, wherein the first account profile and the second account profile include register checking information.

18. The computer program product of claim 11, further comprising computer program code that is configured to automatically initiate a telecommunications link between the first mobile communications device and the second mobile communications device to transmit the transactional information.

19. The computer program product of claim 11, wherein the first mobile communications device and the second mobile communications device are cellular telephones.

20. A system for providing communications between a first account profile on a first mobile communications device and a second account profile on a second mobile communications device, the system comprising:

a first mobile communications device having a first account profile thereon;

a second mobile communications device having a second account profile thereon;

wherein the first mobile communications device is configured to accept transactional information and to transmit a message including the transactional information to the second mobile communications device and the second mobile communications device is configured to modify the second account profile based on the transactional information, wherein the first account profile is stored on the first mobile communications device and the second account profile is stored on the second mobile communications device, receiving a message at the first mobile communications device from the second mobile communications device comprising at least a portion of the second account profile;

comparing the first account profile and the at least a portion of the second account profile; and

if the first account profile and the second account profile are not synchronized, transmitting an error message to the second communications device.