Mobile Banking Architecture

• US 20100025460A1
• Filed: 07/31/2008
• Published: 02/04/2010
• Est. Priority Date: 07/31/2008
• Status: Active Grant

• Current Assignee: Sybase Incorporated (SAP SE)
• Original Assignee: Sybase Incorporated (SAP SE)
• Inventors: Sarmah, Dilip, SUTTON, Raphael, Theiding, Mark
• Granted Patent: US 8,308,058 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system, method, and computer program product are provided for interfacing a user device to a transaction system. An interface is provided in order to call a function on the transaction system for performing the transaction.

Claims

1. A method for interfacing a user device to a transaction system, the method comprising:

receiving an instruction from the user device;

parsing the instruction to obtain a corresponding transaction;

authenticating the user device;

calling a function on the transaction system for performing the transaction;

receiving a response from the transaction system; and

transmitting the response to the user device.

2. The method of claim 1, wherein the step of authenticating the user device comprises:

determining whether authentication is needed to perform the transaction; and

performing an authentication request if authentication is needed.

3. The method of claim 1, wherein the step of receiving the instruction from the user device further comprises:

receiving the instruction from the user device on one of one or more channels.

4. A system for interfacing a user device to a transaction system, comprising:

a first receiving module to receive an instruction from the user device;

a parsing module to parse the instruction to obtain a corresponding transaction;

an authentication module to authenticate the user device;

a service manager module to call a function on the transaction system for performing the transaction;

a second receiving module to receive a response from the transaction system; and

a transmitting module to transmit the response to the user device.

5. A computer program product comprising a computer-usable medium having computer program logic recorded thereon for enabling a processor to provide an interface between a user device and a transaction system, the computer program logic comprising:

first receiving means for enabling a processor to receive an instruction from the user device;

parsing means for enabling a processor to parse the instruction to obtain a corresponding transaction;

authenticating means for enabling a processor to authenticate the user device;

calling means for enabling a processor to call a function on the transaction system for performing the transaction;

second receiving means for enabling a processor to receive a response from the transaction system; and

transmitting means for enabling a processor to transmit the response to the user device.

6. An interface between a user device and a transaction system, the interface comprising:

a channel manager that establishes communications with the user device over one or more channels, the channel manager configured to receive a transaction from the user device;

a security module that provides authentication;

an application programming interface that enables the mapping of the transaction to a function on the transaction system; and

a service manager that calls the function corresponding to the transaction using the application programming interface.

7. The interface of claim 6, wherein the channels comprise a rich client service channel.

8. The interface of claim 6, wherein the channels comprise an SMS service channel.

9. The interface of claim 6, wherein the channels comprise a WAP service channel.

10. The interface of claim 6, further comprising:

an implementation of the application programming interface, the implementation mapping the transaction to a function on the transaction system.

11. The interface of claim 6, wherein the security module further comprises a device authentication module.

12. The interface of claim 6, wherein the security module further comprises a user authentication module.

13. The interface of claim 6, wherein the security module further comprises an out-of-band authorization module.

14. The interface of claim 6, wherein the user device is a cellular phone.

15. The interface of claim 6, wherein the transaction system is a banking system.

16. The interface of claim 6, wherein the transaction is a banking transaction.

17. The interface of claim 10, wherein the function on the transaction system is accessed through a web page associated with the transaction system.

18. A computer program product comprising a computer-usable medium having computer program logic recorded thereon for enabling a processor to provide an interface between a user device and a transaction system, the computer program logic comprising:

communicating means for enabling a processor to establish communications with the user device over one or more channels, the communicating means configured to receive a transaction from the user device;

authenticating means for enabling a processor to provide authentication;

interfacing means for enabling a processor to provide an application programming interface for enabling the mapping of the transaction to a function on the transaction system; and

servicing means for enabling a processor to call the function corresponding to the transaction using the application programming interface.

19. The computer program logic of claim 18, wherein the channels comprise a rich client service channel.

20. The computer program logic of claim 18, wherein the channels comprise an SMS service channel.

21. The computer program logic of claim 18, wherein the channels comprise a WAP service channel.

22. The computer program logic of claim 18, further comprising:

implementation means for enabling a processor to provide an implementation of the application programming interface, the implementation mapping the transaction to a function on the transaction system.

23. The computer program logic of claim 18, wherein the authenticating means further comprises a device authentication means.

24. The computer program logic of claim 18, wherein the authenticating means further comprises a user authentication means.

25. The computer program logic of claim 18, wherein the authenticating means further comprises an out-of-band authorization means.

26. The computer program logic of claim 18, wherein the user device is a cellular phone.

27. The computer program logic of claim 18, wherein the transaction system is a banking system.

28. The computer program logic of claim 18, wherein the transaction is a banking transaction.

29. The computer program logic of claim 22, wherein the function on the transaction system is accessed through a web page associated with the transaction system.

30. A method for interfacing a user device to a transaction system, the method comprising:

communicating with the user device over one or more channels;

receiving a transaction from the user device over one of the one or more channels;

authenticating the user device;

providing an application programming interface for enabling the mapping of the transaction to a function on the transaction system; and

calling the function corresponding to the transaction using the application programming interface.