PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION
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.
1 . A method, comprising:
maintaining a plurality of user profiles and digital artifacts at a management server ;
receiving a request from a mobile application for a digital artifact for display within a specific mobile banking application generated screen in response to the execution of the mobile banking application on a mobile device processor, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property;
selecting the digital artifact based on correlating targeting parameters;
sending the digital artifact to the mobile application for display within the specific mobile banking application generated screen, wherein the mobile banking application is maintained 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.
2 . The method of claim 1 , further wherein data associated with the mobile banking application is exchanged with the 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.
3 . The method of claim 2 , wherein the data exchange includes exchanging an identification code.
4 . The method of claim 3 , wherein the identification code is a personal identification number (PIN).
5 . The method of claim 1 , wherein coupons are redeemed during the mobile banking transaction.
6 . The method of claim 1 , wherein targeting parameters includes user personal information and/or transaction history.
7 . The method of claim 1 , wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the mobile banking application.
8 . The method of claim 6 , wherein user personal information comprises of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.
9 . The method of claim 6 , wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, tickets, transactions made by the user but not through the mobile communication device, and raw data downloaded from banks.
10 . The method of claim 1 , wherein mobile banking comprises account registration, encryption of information, configuration of payment accounts, configuration of payees, specifying default payment account, activation of 3rd party services, loading funds, account balance, transaction history, bill pay, funds transfer, unloading funds, downloading data from a server, creating transactions in online mode, creating transactions in offline mode with no network connectivity, initiating/triggering banking services, storage of payment account information, storage of banking payment history, storage of funds transfer history, and storage of fund load history.
11 . A management server, comprising:
a management server for processing a mobile banking transaction, the server comprising:
a management server memory maintaining a plurality of user profiles and digital artifacts;
a management server interface coupled to the server memory, the management server interface operable to receive a request 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;
a management server processor operable to select a digital artifact based on correlating targeting parameters;
a management server interface operable to send the digital artifact to the mobile application for display within the specific mobile banking application generated screen, wherein the mobile banking application is maintained 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
12 . The management server of claim 11 , further wherein data associated with the mobile banking application is exchanged with the 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.
13 . The management server of claim 12 , wherein the data exchange includes exchanging an identification code.
14 . The management server of claim 13 , wherein the identification code is a personal identification number (PIN).
15 . The management server of claim 11 , wherein targeting parameters includes user personal information and/or transaction history.
16 . The management server of claim 11 , wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the mobile banking application.
17 . The management server of claim 15 , wherein user personal information includes location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.
18 . The management server of claim 15 , wherein transaction history includes contactless transactions made using a secure element coupled to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of digital artifacts, storage of banking information, accessing banking services, tickets, transactions made by the user but not through the mobile device, and raw data downloaded from banks.
19 . The management server of claim 11 , wherein mobile banking comprises account registration, encryption of information, configuration of payment accounts, configuration of payees, specifying default payment account, activation of 3rd party services, loading funds, account balance, transaction history, bill pay, funds transfer, unloading funds, downloading data from a server, creating transactions in online mode, creating transactions in offline mode with no network connectivity, initiating/triggering banking services, storage of payment account information, storage of banking payment history, storage of funds transfer history, and storage of fund load history.
20 . A non-transitory computer readable medium, comprising:
computer code for maintaining a plurality of user profiles and digital artifacts;
computer code for receiving a request from a mobile application for a digital artifact for display within a specific mobile banking application generated screen in response to an execution of the mobile banking application on a mobile device processor, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property;
computer code for selecting the digital artifact based on correlating targeting parameters;
computer code for sending the digital artifact to the mobile application for display within the specific mobile banking application generated screen. wherein the mobile banking application is maintained 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.