Electronic system for provision of banking services
First Claim
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1. An electronic system providing banking services, comprising:
- an intermediary adapted to act as a gateway to banking records of multiple banking organizations; and
a server having;
a first interface for communication with user mobile telephony devices over a mobile telephone network; and
a second interface for communication with the intermediarywherein the first interface comprises;
receiving means adapted to receive at least a balance enquiry request from a user mobile telephony device; and
transmitting means adapted to provide a balance enquiry reply to a user mobile telephony device for display on the user mobile telephony device,and wherein the second interface comprises;
transmitting means adapted to transmit a received balance enquiry request to the intermediary, for re-transmission by the intermediary to one of the multiple banking organizations; and
receiving means adapted to receive a balance enquiry reply from the intermediary.
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Abstract
An electronic system providing banking services, comprises a server having a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organizations. The first interface is adapted to allow at least balance enquiry requests to be submitted to one of the multiple banking organizations by means of the intermediary and to provide at least balance enquiry replies for display on the user mobile telephony device. The invention provides the functions of the high street ATM using the mobile phone environment.
32 Citations
15 Claims
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1. An electronic system providing banking services, comprising:
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an intermediary adapted to act as a gateway to banking records of multiple banking organizations; and a server having; a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with the intermediary wherein the first interface comprises; receiving means adapted to receive at least a balance enquiry request from a user mobile telephony device; and transmitting means adapted to provide a balance enquiry reply to a user mobile telephony device for display on the user mobile telephony device, and wherein the second interface comprises; transmitting means adapted to transmit a received balance enquiry request to the intermediary, for re-transmission by the intermediary to one of the multiple banking organizations; and receiving means adapted to receive a balance enquiry reply from the intermediary. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of providing a banking service, comprising:
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receiving a request for the banking service from a user operating a mobile telephony device by selecting options displayed on screen; processing the request and communicating with an intermediary acting as a gateway to banking records of multiple banking organizations including a banking organization of the user; communicating, via the intermediary, with a least one of the multiple banking organizations based on the request; generating a response in accordance with the request and communication with the at least one of the multiple banking organizations; and providing the response to the request over a mobile telephony network for display on the mobile telephony device. - View Dependent Claims (10, 11, 12, 13, 14)
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15. An electronic system providing banking services, comprising:
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an intermediary adapted to act as a gateway to banking records of multiple banking organizations; and a server having; a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with the intermediary wherein the first interface is adapted to allow at least balance enquiry requests to be submitted to one of the multiple banking organizations by means of the intermediary and to provide at least balance enquiry replies for display on the user mobile telephony device.
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Specification