Processing mobile banking transactions

• US 10,769,656 B1
• Filed: 02/20/2020
• Issued: 09/08/2020
• Est. Priority Date: 12/13/2007
• Status: Active Grant

• Current Assignee: Michelle Fisher
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Batista, Marcos
• Application Number:
  US16/796,892
• Publication Number:
  US 20200265459A1
• Time in Patent Office: 201 Days
• Field of Search: 455418
• CPC Class Codes: G06F 3/0484 for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04M 1/72406 by software upgrading or downloading
• CPC Class Codes: H04M 1/72427 for supporting games or graphical animations
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/024 Guidance services
• CPC Class Codes: H04W 4/60 Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/18 Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data

Abstract

A method and system for customizing a mobile application running on a mobile communication device of a user. In one implementation, the method includes providing the mobile application to the mobile communication device of the user, the mobile application having a generic platform; determining a special interest group (SIG) that is affiliated with the user; and customizing the generic platform of the mobile application based on information specific to the special interest group (SIG) that is affiliated with the user.

Claims

1. A method for processing a mobile banking transaction,

maintaining, at a remote management server, a payment method;

receiving, at the remote management server, an identification code associated with a user and user authentication from a non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via a mobile device display of a mobile device, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon;

the mobile device including the mobile device display, a mobile device processor, a mobile device memory that maintains the non-browser based application, a mobile device wireless radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA, and a mobile device wireless fidelity (Wi-Fi) interface;

upon receipt of the identification code associated with the user and the user authentication, authenticating at the remote management server a user of the mobile device prior to conducting the mobile banking transaction;

after authenticating the user, receiving, at the remote management server, user input from the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the mobile banking transaction through user input via the mobile device display of the mobile device;

after receiving the mobile banking transaction, transmitting the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;

after the mobile banking transaction has been processed, receiving a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed; and

transmitting, from the remote management server, a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application.

2. The method of claim 1, wherein the mobile banking transaction comprises bill pay.

3. The method of claim 1, wherein the mobile banking transaction comprises funds transfer.

4. The method of claim 1, wherein the mobile banking transaction comprises loading funds.

5. The method of claim 1, wherein the mobile banking transaction comprises viewing, the account balance.

6. The method of claim 1, wherein the mobile banking transaction comprises viewing transaction history.

7. The method of claim 1, wherein the digital artifact is a receipt.

8. The method of claim 1, wherein the digital artifact is an advertisement, coupon, ticket, media, or content.

9. The method of claim 1, further wherein data stored on the mobile device is encrypted using software tools native to the mobile operating system.

10. The method of claim 1, further wherein the non-browser based application can be used when the mobile device is not connected to a wireless network.

11. The method of claim 10, further wherein the non-browser based application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

12. The method of claim 1, further wherein the digital artifact can be viewed in the non-browser based application when there is no network connection.

13. The method of claim 1, further wherein no sensitive data is stored on the mobile device.

14. The method of claim 13, wherein the sensitive data comprises at least one of information related to the payment method, information related to a password, and information related to an expiration dates associated with the payment method.

15. The method of claim 1, further wherein the digital artifact is based on targeting parameters that includes one or more of personal information and transaction related information.

16. The method of claim 15, wherein personal information comprises one or more of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

17. The method of claim 15, wherein transaction related information comprises one or more of information related to historical payment transaction, information related to real-time payment transaction, information related to contactless transactions made using the mobile device, information related to internet commerce, information related to bill pay, information related to top spend categories, information related to merchants, information related to storage of banking information, information related to accessing account balance, information related to accessing payment history, information related to accessing funds transfer, information related to storing tickets, information related to storing receipts, information related to storing coupons, information related to transactions made by the user but not through the mobile device, and information related to raw data downloaded from banks.

18. The method of claim 1, further wherein the non-browser based application sends a request to the remote management server to retransmit the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

19. The method of claim 1, wherein the remote management server sends the digital artifact to the non-browser based application based on the geographical location of the mobile device.

20. The method of claim 1, further wherein the non-browser based application is configured to use a structured format and further wherein the structured format means the non-browser based application can store and display the digital artifact on the mobile device in an organized and easily retrievable fashion.

21. The method of claim 1, further wherein the remote management server is configured to store a single identification code associated with a user for a variety of mobile devices, and further wherein the configuration means the remote management server scales.

22. The method of claim 1, further wherein the non-browser based application shuts down due to a period of inactivity, wherein the period of inactivity means the non-browser based application has not received input at the non-browser based application.

23. The method of claim 1, wherein the user authentication includes information related to a password.

24. The method of claim 1, wherein the user authentication includes information related to biometric data.

25. A system for processing a mobile banking transaction, comprising:

a mobile device including;

a mobile device display;

a mobile device processor;

a mobile device memory that maintains a non-browser based application, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon;

a mobile device wireless radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA; and

a mobile device wireless fidelity (Wi-Fi) interface;

a remote management server including;

a remote management server memory that maintains a payment method;

a remote management server transceiver that

receives an identification code associated with a user and user authentication from the non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via the mobile device display of the mobile device;

after authenticating the user, receives user input from the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the mobile banking transaction through user input via the mobile device display of the mobile device;

after receiving the mobile banking transaction, transmits the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;

after the mobile banking transaction has been processed, receives a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed; and

transmits a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application; and

a remote management server processor that upon receipt of the identification code associated with the user and the user authentication, authenticates a user of the mobile device.

26. The system of claim 25, wherein the mobile banking transaction comprises bill pay.

27. The system of claim 25, wherein the mobile banking transaction comprises funds transfer.

28. The system of claim 25, wherein the mobile banking transaction comprises loading funds.

29. The system of claim 25, wherein the mobile banking transaction comprises viewing, the account balance.

30. The system of claim 25, wherein the mobile banking transaction comprises viewing transaction history.

31. The system of claim 25, wherein the digital artifact is a receipt.

32. The system of claim 25, wherein the digital artifact is an advertisement, coupon, ticket, media, or content.

33. The system of claim 25, further wherein data stored on the mobile device is encrypted using software tools native to the mobile operating system.

34. The system of claim 25, further wherein the non-browser based application can be used when the mobile device is not connected to a wireless network.

35. The system of claim 34, further wherein the non-browser based application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

36. The system of claim 25, further wherein the digital artifact can be viewed in the non-browser based application when there is no network connection.

37. The system of claim 25, further wherein no sensitive data is stored on the mobile device.

38. The system of claim 37, wherein the sensitive data comprises at least one of information related to the payment method, information related to a password, and information related to an expiration dates associated with the payment method.

39. The system of claim 25, further wherein the digital artifact is based on targeting parameters that includes one or more of personal information and transaction related information.

40. The system of claim 39, wherein personal information comprises one or more of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

41. The system of claim 39 wherein transaction related information comprises one or more of information related to historical payment transaction, information related to real-time payment transaction, information related to contactless transactions made using the mobile device, information related to internet commerce, information related to bill pay, information related to top spend categories, information related to merchants, information related to storage of banking information, information related to accessing account balance, information related to accessing payment history, information related to accessing funds transfer, information related to storing tickets, information related to storing receipts, information related to storing coupons, information related to transactions made by the user but not through the mobile device, and information related to raw data downloaded from banks.

42. The system of claim 25, further wherein the non-browser based application sends a request to the remote management server to retransmit the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

43. The system of claim 25, wherein the remote management server sends the digital artifact to the non-browser based application based on the geographical location of the mobile device.

44. The system of claim 25, further wherein the non-browser based application is configured to use a structured format and further wherein the structured format means the non-browser based application can store and display the digital artifact on the mobile device in an organized and easily retrievable fashion.

45. The system of claim 25, further wherein the remote management server is configured to store a single identification code associated with a user for a variety of mobile devices, and further wherein the configuration means the remote management server scales.

46. The system of claim 25, further wherein the non-browser based application shuts down due to a period of inactivity, wherein the period of inactivity means the non-browser based application has not received input at the non-browser based application.

47. The system of claim 25, wherein the user authentication includes information related to a password.

48. The system of claim 25, wherein the user authentication includes information related to biometric data.

49. A remote management server for processing a mobile banking transaction comprising:

a remote management server memory that maintains a payment method;

a remote management server transceiver that

receives an identification code associated with a user and user authentication from a non-browser based application, wherein the non-browser based application receives the identification code associated with the user and the user authentication via a mobile device display of a mobile device, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including the mobile device display, a mobile device processor, a mobile device memory that maintains the non-browser based application, a mobile device radio transceiver that supports voice and data interactions through a first wireless communication channel using at least one of GSM or CDMA, and a mobile device wireless fidelity (Wi-Fi) interface;

after authenticating the user, receives user input into the non-browser based application to initiate the mobile banking transaction, wherein the non-browser based application receives the user input via the mobile device display of the mobile device;

after receiving the mobile banking transaction, transmits the mobile banking transaction including the payment method to a transaction server for processing the mobile banking transaction;

after the mobile banking transaction has been processed, receives a transaction verification from the transaction server wherein the transaction verification indicates that the mobile banking transaction has processed; and

,

transmits a digital artifact to the non-browser based application for display within a non-browser based application generated screen, the non-browser based generated screen corresponding to a specific screen or area of the non-browser based application; and

a remote management server processor that upon receipt of the identification code associated with the user and the user authentication, authenticates a user of the mobile device.