Processing mobile banking transactions using a remote management server
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.
1. A method for processing a mobile banking transaction, comprising:
receiving, at remote management server, information related to an identification code associated with a user and information related to a password from a non-browser based application, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first wireless communication channel, and a mobile device wireless fidelity (Wi-Fi) transceiver;
authenticating a user associated with the identification code associated with the user and the information related to the password;
after user authentication, receiving, a request for the mobile banking transaction from the non-browser based application, wherein the non-browser based application receives the request for the mobile banking transaction through user input via the mobile device display;
after receiving the request for the mobile banking transaction, transmitting the request for the mobile banking transaction to a transaction server for processing the request for the mobile banking transaction using a payment method;
after the request for the mobile banking transaction has been processed, transmitting a digital artifact from the remote management server to the non-browser based application which displays the digital artifact within the non-browser based application.
2. The method of claim 1 , wherein the request for the mobile banking transaction comprises bill pay.
3. The method of claim 1 , wherein the request for the mobile banking transaction comprises transferring funds.
4. The method of claim 1 , wherein the request for the mobile banking transaction comprises viewing transaction history.
5. The method of claim 1 , wherein the request for the mobile banking transaction comprises viewing account balance.
6. The method of claim 1 , wherein the request for the mobile banking transaction comprises viewing reward points.
7. The method of claim 1 , wherein the request for the mobile banking transaction comprises depositing a check.
8. The method of claim 1 , wherein the request for the mobile banking transaction comprises withdrawing cash from an ATM machine.
9. The method of claim 1 , wherein the digital artifact comprises one of a receipt, advertisement, coupon, ticket, media, or content.
10. The method of claim 1 , where the payment method is a bank account, credit card, debit card, or prepaid card.
11. The method of claim 1 , further wherein the non-browser based application receives the digital artifact through a connection of the mobile device to a wireless network;
the non-browser based application displays the digital artifact while the mobile device maintains the connection to the wireless network; and
the method further comprises:
losing the connection of the mobile device to the wireless network while the non-browser based application displays the digital artifact; and
after losing the connection, continuing to display the digital artifact within the non-browser based application.
12. The method of claim 1 , further wherein upon the condition that the mobile device loses connection with a wireless network the non-browser based application monitors for access to the wireless network and automatically re-connects to the wireless network when the wireless network is available.
13. 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.
14. The method of claim 1 , further wherein no sensitive data is stored on the mobile device.
15. The method of claim 14 , wherein the sensitive data is information related to the payment method.
16. The method of claim 1 , further wherein the non-browser based application automatically displays the digital artifact in an easily retrievable format.
17. The method of claim 1 , further wherein the non-browser based application is configured to use a structured format, wherein the structured format means the non-browser based application can store and display the digital artifact in an organized manner.
18. 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 plurality of mobile devices, and further wherein the configuration means the remote management server scales.
19. The method of claim 1 , further wherein the information related to the password is information related to a personal identification number (PIN).
20. The method of claim 1 , further, wherein the information related to the password is information related to biometric data.
21. A remote management server for processing a mobile banking transaction, the mobile device comprising:
a remote management server input interface configured to:
receive information related to an identification code associated with a user and information related to a password from a non-browser based application, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first communication channel and a mobile device wireless fidelity (Wi-Fi) transceiver;
after user authentication, receive a request for the mobile banking transaction from the non-browser based application, wherein the non-browser based application receives the request for the mobile banking transaction through user input via the mobile device display;
a mobile device processor configured to:
authenticate the user associated with the information related to the identification code associated with the user and the information related to the password;
a mobile device output interface configured to:
after receiving the request for the mobile banking transaction, transmit the request for the mobile banking transaction from the remote management server to a transaction server for processing the request for the mobile banking transaction using a payment method; and
after the request for the mobile banking transaction has been processed, transmit a digital artifact from the remote management server to the non-browser based application which displays the digital artifact within the non-browser based application.
22. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises bill pay.
23. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises transferring funds.
24. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises viewing transaction history.
25. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises viewing account balance.
26. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises depositing a check.
27. The remote management server of claim 21 , wherein the request for the mobile banking transaction comprises withdrawing cash from an ATM machine.
28. The remote management server of claim 21 , wherein the digital artifact comprises one of a receipt, advertisement, coupon, ticket, media, or content.
29. The remote management server of claim 21 , wherein the digital artifact comprises one of a receipt, advertisement, coupon, ticket, media, or content.
30. The remote management server of claim 21 , where the payment method is a bank account, credit card, debit card, or prepaid card.
31. The remote management server of claim 21 , further wherein the non-browser based application receives the digital artifact through a connection of the mobile device to a wireless network;
the non-browser based application displays the digital artifact while the mobile device maintains the connection to the wireless network; and
the method further comprises:
losing the connection of the mobile device to the wireless network while the non-browser based application displays the digital artifact; and
after losing the connection, continuing to display the digital artifact within the non-browser based application.
32. The remote management server of claim 21 , further wherein the non-browser based application monitors for access to a wireless network and automatically reconnects to the wireless network when the wireless network is available.
33. The remote management server of claim 21 , 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.
34. The remote management server of claim 21 , further wherein no sensitive data is stored on the mobile device.
35. The remote management server of claim 34 , wherein the sensitive data is information related to the payment method.
36. The remote management server of claim 21 , further wherein the non-browser based application automatically displays the digital artifact in an easily retrievable format.
37. The remote management server of claim 21 , further wherein the non-browser based application is configured to use a structured format, wherein the structured format means the non-browser based application can store and display the digital artifact in an organized manner.
38. The remote management server of claim 21 , further wherein the remote management server is configured to store a single identification code associated with a user for a plurality of mobile devices, and further wherein the configuration means the remote management server scales.
39. The remote management server of claim 21 , further wherein the information related to the password is information related to a personal identification number (PIN).
40. The remote management server of claim 21 , further, wherein the information related to the password is information related to biometric data.