Method for tracking and routing financial messages for mobile devices

1. A financial messaging apparatus configured to encapsulate a financial message, the apparatus comprising:

a network interface configured to receive a financial message generated by a bank;

a non-transitory computer readable medium configured to store ae rule database, wherein the rule database includes rules specifying actions to be added to financial messages based upon characteristics of the financial messages;

a processor configured to:

analyzed the received financial message to identify at least one characteristic of the received financial message;

identify at least one rule in the rule database matching at least one of the at least one identified characteristics of the received financial message;

combine at least one action specified by the identified at least one rule with the financial message to form an encapsulated financial message; and

identify a user associated with the received financial message; and

the network interface further configured to transmit the encapsulated financial message to the identified user, wherein:

the action stored in the encapsulated financial message including a routing rule specifying for routing of the encapsulated financial message;

the routing rule specifies at least one preferred location for routing the encapsulated financial message through and at least one prohibited location for routing the encapsulated financial message through;

the encapsulated financial message is prevented from being routed through the at least one prohibited location;

the network interface transmits the encapsulated financial message to the identified user through the at least one preferred location if routing through the at least one preferred location is available; and

the network interface does not transmit the encapsulated financial message through the at least one prohibited location.

2. The apparatus of claim 1 , wherein the actions stored in the encapsulated financial message include an access rule specifying criteria for accessing the financial message stored in the encapsulated financial message.

3. The apparatus of claim 2 , wherein the access rule prevents the financial message stored in the encapsulated financial message from being accessed unless a location of a receiver of the encapsulated financial message is within a specified geo-location.

4. The apparatus of claim 1 , wherein:

the network interface transmits the encapsulated financial message to a relay server as part of transmitting the encapsulated financial message to the identified user; and

the access rule contains information configured to prevent the relay server from transmitting the encapsulated financial message outside of a specified geo-location contained in the access rule.

5. The apparatus of claim 4 , wherein the specified geo-location is the United States of America.

6. The apparatus of claim 1 , wherein the actions stored in the encapsulated financial message include a duplicative message rule specifying that a priority of the encapsulated financial message is updated if the financial message stored in the encapsulated financial message has already been displayed to the identified user.

7. The apparatus of claim 1 , wherein:

the actions stored in the encapsulated financial message include a duplicative message rule specifying that a priority of the encapsulated financial message is modified if the financial message stored in the encapsulated financial message has already been transmitted to the identified user; and

the non-transitory computer readable medium additionally includes a previous message database identifying the transmitted financial message that have been previously sent to the identified user.

8. The apparatus of claim 1 , wherein a priority of the encapsulated financial message is increased if the financial message stored in the encapsulated financial message has already been transmitted to the identified user.

9. The apparatus of claim 1 , wherein the actions stored in the encapsulated financial message include a priority and the financial message stored in the encapsulated financial message is not displayed to the identified user upon receiving the encapsulated financial message if the priority of the encapsulated financial message does not meet or exceed a priority threshold of the identified user.

10. The apparatus of claim 1 , wherein:

the actions stored in the encapsulated financial message include a priority;

the non-transitory computer readable medium additionally includes a user priority database identifying a priority threshold associated with the identified user; and

the network interface is further configured to only transmit the encapsulated financial message if the priority of the encapsulated financial message does not meet or exceed the priority threshold associated with the identified user.

11. The apparatus of claim 1 , wherein:

the actions stored in the encapsulated financial message include a priority; and

a network protocol that the network interface uses to transmit the encapsulated financial message to a user depends on the priority of the encapsulated financial message.

12. The apparatus of claim 1 , wherein the network protocol used to transmit an encapsulated financial message having a high priority is a push notification.

13. The apparatus of claim 1 , wherein:

the actions stored in the encapsulated financial message include an error flag identifying the financial message stored in the encapsulated financial message as containing information regarding an error; and

the financial message stored in the encapsulated financial message is automatically displayed to the identified user upon receiving the encapsulated financial message.

14. The apparatus of claim 1 , wherein the received financial message has a designated format and the designated format of the financial message is SWIFT or BACS.

15. A method for encapsulating a financial message, the method including:

receiving a financial message generated by a bank;

analyzing the received financial message to identify at least one characteristic of the received financial message;

identifying at least one rule in a rule database matching at least one of the at least one identified characteristics of the received financial message, wherein the rule database is stored on a non-transitory computer readable medium and the rule database includes rules specifying actions to be added to financial messages based upon characteristics of the financial messages;

combining at least one action specified by the identified at least one rule with the financial message to form an encapsulated financial message, wherein:

the at least one action stored in the encapsulated financial message includes a routing rule specifying criteria for routing of the encapsulated financial message;

the routing rule specifies at least one preferred location for routing the encapsulated financial message through and at least one prohibited location for routing the encapsulated financial message through;

the encapsulated financial message is prevented from being routed through the at least one prohibited location;

identifying a user associated with the received financial message; and

transmitting the encapsulated financial message to the identified user, wherein:

the encapsulated financial message is transmitted to the identified user through the at least one preferred location if routing through the at least one preferred location is available; and

the encapsulated financial message is not transmitted through the at least one prohibited location.