MOBILE BANKING SYSTEMS AND RELATED METHODS
Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.
1 . A system for mobile banking, the system comprising:
a mobile module for providing access to a first bank account of a user;
wherein:
the mobile module comprises:
a login module;
a main account module accessible via the login module and configured to at least one of:
receive a first account balance of the first bank account and further account information about the first bank account; or
request one or more transactions for the first bank account;
a quick-balance module accessible separate from the main account module and configured to:
receive the first account balance of the first bank account; and
provide a first quick-balance report of the first account balance;
a front display actuated upon activation of the mobile module; and
a main display for transacting with the first bank account;
the login module is configured to:
receive initial authentication of the user to enable initial access to the main account module and to the quick balance module for the first bank account; and
receive subsequent authentication of the user for subsequent access to the main account module;
the mobile module impedes the subsequent access to the main account module until receipt of the subsequent authentication of the user via the login module; and
the mobile module permits access to the quick-balance report of the quick-balance module without requiring the subsequent authentication of the user;
the front display comprises a first quick-balance interface configured to present the first quick-balance report of the quick-balance module;
the first quick-balance interface comprises a first actuator and is configured to:
conceal the first quick-balance report when the first actuator is not actuated; and
reveal the first quick-balance report, if the quick-balance module is enabled and without requiring the subsequent authentication, when the first actuator is actuated;
the first actuator comprises a first slideblock configured to reveal the first quick-balance report when actuated by sliding;
the main display is actuafted upon the subsequent authentication of the user via the login module and is configured to present a main interface for the main account module;
the main display is devoid of the first quick-balance interface but comprises a main-balance report at the main interface;
the main balance report comprises at least the first account balance for the first bank account; and
the first quick-balance report at the quick-balance interface of the front display consists of the first account balance for the first bank account.
2 . A system for mobile banking, the system comprising:
a mobile module for providing access to a first bank account of a user;
wherein:
the mobile module comprises:
a login module;
a main account module accessible via the login module and configured to at least one of:
receive a first account balance of the first bank account and further account information about the first bank account; or
request one or more transactions for the first bank account;
and
a quick-balance module accessible separate from the main account module and configured to:
receive a first account balance of the first bank account; and
provide a first quick-balance report of the first account balance;
the login module is configured to:
receive initial authentication of the user to enable initial access to the main account module and to the quick balance module for the first bank account; and
receive subsequent authentication of the user for subsequent access to the main account module;
the mobile module impedes the subsequent access to the main account module until receipt of the subsequent authentication of the user via the login module; and
the mobile module permits access to the quick-balance report of the quick-balance module without requiring the subsequent authentication of the user.
3 . The system of claim 2 , wherein:
the mobile module comprises a front display actuated upon activation of the mobile module; and
the front display comprises a first quick-balance interface configured to present the first quick-balance report of the quick-balance module.
4 . The system of claim 3 , wherein:
the first quick-balance interface comprises a first actuator and is configured to:
conceal the first quick-balance report when the first actuator is not actuated; and
reveal the first quick-balance report, if the quick-balance module is enabled and without requiring the subsequent authentication, when the first actuator is actuated.
5 . The system of claim 4 , wherein:
the first actuator is configured to reveal the first quick-balance report when actuated via at least one of:
a pressing gesture upon the actuator;
a sliding gesture upon the actuator; or
a screen-pull gesture upon the actuator;
6 . The system of claim 4 , wherein:
the first actuator is actuatable to reveal the first quick-balance report via a sliding gesture;
the first quick-balance interface comprises:
a bottom interface layer comprising the first quick-balance report; and
a top interface layer configured to cover the first quick-balance report and the bottom interface layer;
and
the first actuator is configured to remove the top interface layer, as the first actuator is slid, to reveal the first quick-balance report at the bottom interface layer.
7 . The system of claim 3 , wherein:
the front display comprises a login interface configured to receive the subsequent authentication for the login module; and
the login interface is presented along with the first quick-balance interface at the front display.
8 . The system of claim 3 , wherein:
the mobile module comprises a main display actuated upon the subsequent authentication of the user via the login module and configured to present a main interface for the main account module; and
the main display is devoid of the first quick-balance interface.
9 . The system of claim 8 , wherein:
the main display comprises at least one of:
a main balance interface configured to present a main-balance report having the first account balance for the first bank account; or
a transactions interface configured to present transaction details of the first bank account with respect to a time period and based on the further account information.
10 . The system of claim 8 , wherein:
the main display comprises a main-balance report;
the main balance report comprises at least the first account balance for the first bank account; and
the first quick-balance report consists of the first account balance for the first bank account.
11 . The system of claim 3 , wherein:
the mobile module is configured to provide access to a second bank account of the user;
the quick-balance module is configured to receive a second quick-balance report for a second account balance of the second bank account; and
the front display comprises:
a second quick-balance interface configured to present the second quick-balance report of the quick-balance module;
a first identifier of the first quick-balance interface for the first bank account; and
a second identifier of the second quick-balance interface for the second bank account.
12 . The system of claim 3 , wherein:
the mobile module is configured to provide access to a second bank account of the user;
the quick-balance module is configured to receive a second account balance of the second bank account; and
the first quick-balance report comprises a combined balance of the first and second account balances.
13 . The system of claim 2 , wherein:
the mobile module is configured to:
receive user input regarding whether to permit the quick-balance module to provide the first quick-balance report without requiring the subsequent authentication;
enable an authentication token for permitting the quick-balance module to provide the first quick-balance report based on the user input; and
provide the first quick-balance report via the quick-balance module only if the authentication token is enabled.
14 . The system of claim 13 , wherein:
the mobile module is implementable via a mobile device and configured to wirelessly receive bank account information about the first bank account from a bank server of a bank; and
the authentication token is storable in the mobile device.
15 . A method for facilitating mobile banking, the method comprising:
providing a mobile module for mobilely interfacing with a first bank account;
wherein:
providing the mobile module comprises:
providing a login module;
providing a main account module accessible via the login module; and
providing a quick-balance module accessible separate from the main account module;
the login module is configured to:
receive user initial authentication for initial access to the main account module and to the quick balance module for the first bank account; and
receive user subsequent authentication for subsequent access to the main account module;
the main account module is configured to at least one of:
receive a first account balance of the first bank account and further account information about the first bank account; or
request one or more transactions for the first bank account;
the quick-balance module is configured to:
receive the first account balance for the first bank account; and
provide a first quick-balance report of the first account balance;
the mobile module is configured to impede the subsequent access to the main account module until receipt of the user subsequent authentication via the login module; and
the mobile module is configured to permit access to the quick-balance report of the quick-balance module without requiring the user subsequent authentication.
16 . The method of claim 15 , wherein:
the mobile module is configured to generate a front display upon activation of the mobile module; and
the front display comprises a first quick-balance interface configured to present the first quick-balance report of the quick-balance module.
17 . The method of claim 16 , wherein:
the first quick-balance interface comprises a first actuator and is configured to:
conceal the first quick-balance report when the first actuator is not actuated; and
reveal the first quick-balance report, if the quick-balance module is enabled and without requiring the subsequent authentication, when the first actuator is actuated.
18 . The method of claim 17 , wherein:
the first actuator is actuatable to reveal the first quick-balance report via at least one of:
a pressing gesture upon the actuator;
a sliding gesture upon the actuator; or
a screen-pull gesture upon the actuator;
19 . The method of claim 17 , wherein:
the first actuator is actuatable to reveal the first quick-balance report via a sliding gesture;
the first quick-balance interface comprises:
a bottom interface layer comprising the first quick-balance report; and
a top interface layer configured to cover the first quick-balance report and the bottom interface layer;
and
the first actuator is configured to remove the top interface layer, as the first actuator is slid, to reveal the first quick-balance report at the bottom interface layer.
20 . The method of claim 16 , wherein:
the front display comprises a login interface configured to receive the subsequent authentication for the login module; and
the login interface is presented along with the first quick-balance interface at the front display.
21 . The method of claim 16 , wherein:
the mobile module comprises a main display actuated upon the user subsequent authentication via the login module and configured to present a main interface comprising at least one of:
a main balance interface configured to present a main-balance report having at least the first account balance for the first bank account; or
a transactions interface configured to present transaction details of the first bank account with respect to a time period and based on the further account information.
and
the main display is devoid of the first quick-balance interface.
22 . The method of claim 15 , wherein:
the first quick-balance report consists of the first account balance for the first bank account.
23 . The method of claim 15 , wherein:
the mobile module is further configured to provide access to a second bank account;
the quick-balance module is further configured to receive a second quick-balance report for a second account balance of the second bank account; and
the front display comprises at least one of:
a second quick-balance interface configured to present the second quick-balance report of the quick-balance module; or
a combined quick-balance interface configured to present a combined balance of the first and second account balances.
24 . The method of claim 15 , wherein:
providing the mobile module comprises:
making the mobile module available for installation in a mobile device; and
making the mobile module configurable to wirelessly receive bank account information about the first bank account from a bank server of a bank.
25 . The method of claim 15 , wherein:
the mobile module is configurable for:
receiving user input regarding whether to permit the quick-balance module to provide the first quick-balance report without requiring the subsequent authentication;
enabling an authentication token for permitting the quick-balance module to provide the first quick-balance report based on the user input; and
providing the first quick-balance report via the quick-balance module only if the authentication token is enabled for a mobile device where the mobile module is implemented.