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 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;
exchanging data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction;
executing the mobile banking application on the mobile device processor, wherein executing the mobile banking application comprises;
sending a request to the management server 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, wherein the digital artifact is selected based on correlating targeting parameters, and wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user;
receiving the digital artifact from the management server for display within the specific mobile banking application generated screen; and
displaying the digital artifact within the specific mobile banking application generated screen.
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.
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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 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; exchanging data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction; executing the mobile banking application on the mobile device processor, wherein executing the mobile banking application comprises; sending a request to the management server 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, wherein the digital artifact is selected based on correlating targeting parameters, and wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user; receiving the digital artifact from the management server for display within the specific mobile banking application generated screen; and displaying the digital artifact within the specific mobile banking application generated screen. - 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 the mobile device, the mobile device memory configured to maintain payment account information by using a mobile banking application, wherein the mobile banking application is non-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; execute the mobile banking application; exchange data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction; send a request to the management server for a digital artifact for display within a specific mobile banking application generated screen; receive the digital artifact from the management server for display within the specific mobile banking application generated screen, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property, wherein the digital artifact is selected by the management server based on correlating targeting parameters; a mobile device display configured to display the digital artifact received from the management server within the specific mobile banking application generated screen. - 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 non-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 management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein theme management server authenticates a user of the mobile device prior to conducting a mobile banking transaction; computer code for sending a request to the management server 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, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters; computer code for receiving the digital artifact for display within the specific mobile banking application generated screen; computer code for displaying the digital artifact within the specific mobile banking application generated screen.
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Specification