MOBILE BANKING SYSTEMS AND RELATED METHODS
Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.
This application claims the benefit of U.S. Provisional Application Ser. No. 61/671,478, filed on Jul. 13, 2012. The disclosure of the such application is incorporated herein by reference.
TECHNICAL FIELDThe present disclosure relates generally to banking systems, and relates, more particularly, to mobile banking systems and related methods.
BACKGROUNDThe popularity and widespread use of mobile devices, such as smartphones, has opened new gateways from which to engage in banking transactions. Because of the sensitive nature of information contained in bank accounts, however, strenuous security and authentication features are required to permit safe banking transactions through such mobile devices. Such security can come at a convenience cost in terms of repeated required authentications to access specific non-critical data about such bank accounts.
Considering the above, further developments can be made to ease access to such specific non-critical data without compromising the security of the bank accounts.
The present disclosure will be better understood from a reading of the following detailed description of examples of embodiments, taken in conjunction with the accompanying figures in the drawings.
For simplicity and clarity of illustration, the drawing figures illustrate the general manner of construction, and descriptions and details of well-known features and techniques may be omitted to avoid unnecessarily obscuring the present disclosure. Additionally, elements in the drawing figures are not necessarily drawn to scale. For example, the dimensions of some of the elements in the figures may be exaggerated relative to other elements to help improve understanding of embodiments of the present disclosure. The same reference numerals in different figures denote the same elements.
The terms “first,” “second,” “third,” “fourth,” and the like in the description and in the claims, if any, are used for distinguishing between similar elements and not necessarily for describing a particular hierarchical, sequential, or chronological order. It is to be understood that the terms so used are interchangeable under appropriate circumstances such that the embodiments described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms “include,” and “have,” and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, device, or apparatus that comprises a list of elements is not necessarily limited to those elements, but may include other elements not expressly listed or inherent to such process, method, system, article, device, or apparatus.
The terms “left,” “right,” “front,” “back,” “top,” “bottom,” “over,” “under,” and the like in the description and in the claims, if any, are used for descriptive purposes and not necessarily for describing permanent relative positions. It is to be understood that the terms so used are interchangeable under appropriate circumstances such that the embodiments described herein are, for example, capable of operation in other orientations than those illustrated or otherwise described herein.
The terms “couple,” “coupled,” “couples,” “coupling,” and the like should be broadly understood and refer to connecting two or more elements or signals, electrically, mechanically or otherwise. Two or more electrical elements may be electrically coupled, but not mechanically or otherwise coupled; two or more mechanical elements may be mechanically coupled, but not electrically or otherwise coupled; two or more electrical elements may be mechanically coupled, but not electrically or otherwise coupled. Coupling (whether mechanical, electrical, or otherwise) may be for any length of time, e.g., permanent or semi-permanent or only for an instant.
“Electrical coupling” and the like should be broadly understood and include coupling involving any electrical signal, whether a power signal, a data signal, and/or other types or combinations of electrical signals. “Mechanical coupling” and the like should be broadly understood and include mechanical coupling of all types. The absence of the word “removably,” “removable,” and the like near the word “coupled,” and the like does not mean that the coupling, etc. in question is or is not removable.
DESCRIPTIONIn one embodiment, a system for mobile banking can comprise a mobile module for providing access to a first bank account of a user. The mobile module can comprise a login module and 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. The mobile module can also comprise 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 to provide a first quick-balance report of the first account balance. The login module can be 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 to receive subsequent authentication of the user for subsequent access to the main account module. The mobile module can impede the subsequent access to the main account module until receipt of the subsequent authentication of the user via the login module. In addition, the mobile module can permit access to the quick-balance report of the quick-balance module without requiring the subsequent authentication of the user.
In one implementation, a method for facilitating mobile banking can comprise providing a mobile module for mobilely interfacing with a first bank account. Providing the mobile module can 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 can be 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 to receive user subsequent authentication for subsequent access to the main account module. The main account module can be 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 can be configured to receive the first account balance for the first bank account and to provide a first quick-balance report of the first account balance. The mobile module can be configured to impede the subsequent access to the main account module until receipt of the user subsequent authentication via the login module. Furthermore, the mobile module can be configured to permit access to the quick-balance report of the quick-balance module without requiring the user subsequent authentication.
Other examples and embodiments are further disclosed herein. Such examples and embodiments may be found in the figures, in the claims, and/or in the present description.
Turning to the drawings,
Mobile device 1200 can be configured to establish wireless connection 1710 with Internet 1700. Similarly, bank server 1510 of banking institution 1500 can be configured to communicate via Internet 1700 through connection 1720, which may be wired or wireless. Thus, mobile device 1200 and bank server 1510 can communicate via Internet 1700. In some examples, a portion of connection 1710 and/or of connection 1720 can be carried out via a network configured for a wireless and/or cellular standard such as WiFi (IEEE 802.11a/b/g/n), WiPAN (IEEE 802.15, Bluetooth®), W-CDMA (Wideband Code Division Multiple Access), HSPA (High Speed Packet Access), EDGE (Enhanced Data Rate for GSM Evolution), WiMAX (Worldwide Interoperability for Microwave Access), LTE (Long Term Evolution), etc.
System bus 1014 also is coupled to memory 1008 that includes both read only memory (ROM) and random access memory (RAM). Non-volatile portions of memory 1008 or the ROM can be encoded with a boot code sequence suitable for restoring computer 900 (
Network adapters 1020 can be coupled to one or more antennas. In some embodiments, network adapter 1020 can be configured for WiFi communication (IEEE 802.11), and/or may be part of a WNIC (wireless network interface controller) card (not shown) plugged or coupled to an expansion port (not shown) in computer 900. Such WNIC card can be a wireless network card built into internal computer 900 in some examples. A wireless network adapter can be built into internal client computer 900 by having wireless Ethernet capabilities integrated into the motherboard chipset, or implemented via a dedicated wireless Ethernet chip, connected through the PCI (peripheral component interconnector) or a PCI express bus. In the same or other embodiments, network adapters 1020 can be configured for communication via other wireless protocols, such as via WPAN, W-CDMA, HSPA, EDGE, WiMAX, LTE, or others. In other embodiments, network adapter 1020 can be a wired network adapter.
Although other components of computer 900 are not shown, such components and their interconnection are well known to those of ordinary skill in the art. Accordingly, further details concerning the construction and composition of computer 900 and the circuit boards inside chassis 902 need not be discussed herein.
When computer 900 is in operation, program instructions stored on hard drive 914, on memory 1008, on a USB drive in USB port 912, and/or on a CD-ROM or DVD in CD-ROM and/or DVD drive 916, can be executed by CPU 1010 (
In the present example of
Mobile module 1600 is also shown in
As shown in
As seen in
Login module 4610 (
Main account module 4620 (
Quick-balance module 4630 (
The illustration of
Quick-balance interface 5630 will not present quick balance report 4631 until the user has enabled quick-balance module 4630 and/or quick-balance interface 5630 as a feature after successfully logging in via initial authentication 5611. For instance,
There can be embodiments where, when user 1900 enables quick-balance module 4630 as described above, an authentication token can be enabled for permitting quick-balance module 4630 to provide reports such as quick balance report 4631. In some examples, such authentication token can be similar to authentication token 4210 (
Once user 1900 has successfully logged-in via initial authentication 5611 (
As seen in the examples of
There can also be embodiments where quick-balance module 4630 (
Moving on,
Method 11000 comprises block 11100 for providing a mobile module for mobilely interfacing with a first bank account. In some examples, the mobile module can be similar to mobile module 1600, as described above with respect to
Block 11100 can comprise several sub-blocks in some implementations. For instance, block 11100 can comprise sub-block 11110 for providing a login module, which can be similar to login module 4610 as described above with respect to
Method 11000 also comprises block 11200 for impeding subsequent access to the main account module until receipt of user subsequent authentication via the login module. In some examples, the user subsequent authentication can be as described above with respect to subsequent authentication 8611 (
Method 11000 further comprises block 11300 for permitting access to a quick-balance report of the quick-balance module without requiring the user subsequent authentication. In some examples, the quick-balance report can be similar to quick-balance report 4631, 4632, or 4633 of quick-balance module 4630, and can be accessed via a quick-balance interface similar to quick-balance interface 5630 (
In some examples, one or more of the different blocks of method 11000 can be combined into a single block or performed simultaneously, and/or the sequence of such blocks can be changed. For example, sub-blocks 11110, 11120, and/or 11130 can be combined into a single sub-block. In the same or other examples, some of the blocks of method 11000 can be subdivided into several sub-blocks. There can also be examples where method 11000 can comprise further or different blocks. As an example, method 11000 can further comprise a block for accessing further detailed information about the first bank account, and/or for requesting transactions for the first bank account. In addition, there may be examples where method 11000 can comprise only part of the steps described above.
In some instances, the exemplary modules described above may be implemented as machine-accessible instructions utilizing any of many different programming codes stored on any combination of machine-accessible media embodied in a mobile application (e.g., an app) and/or an online application for various wired and/or wireless mobile communication devices such as handheld computers, smartphones, portable media players, tablet computers, etc. In addition or alternatively, the machine-accessible instructions may be embodied in a volatile or non-volatile memory or other mass storage device (e.g., a USB drive, a CD, or a DVD). For example, the machine-accessible instructions may be embodied in a machine-accessible medium such as a programmable gate array, an application specific integrated circuit (ASIC), an erasable programmable read only memory (EPROM), a read only memory (ROM), a random access memory (RAM), a flash memory, a magnetic media, an optical media, and/or any other suitable type of medium. The systems, apparatus, methods, and articles of manufacture described herein are not limited in this regard.
Although the mobile banking systems and related methods herein have been described with reference to specific embodiments, various changes may be made without departing from the spirit or scope of the present disclosure. Examples of such changes have been given in the foregoing description. Other permutations of the different embodiments having one or more of the features of the various figures are likewise contemplated. Accordingly, the specification and drawings herein are intended to be illustrative of the scope of the disclosure and are not intended to be limiting. It is intended that the scope of this application shall be limited only to the extent required by the appended claims.
The mobile banking systems and related methods discussed herein may be implemented in a variety of embodiments, and the foregoing discussion of certain of these embodiments does not necessarily represent a complete description of all possible embodiments. Rather, the detailed description of the drawings, and the drawings themselves, disclose at least one preferred embodiment, and may disclose alternative embodiments.
All elements claimed in any particular claim are essential to the embodiment claimed in that particular claim. Consequently, replacement of one or more claimed elements constitutes reconstruction and not repair. Additionally, benefits, other advantages, and solutions to problems have been described with regard to specific embodiments. The benefits, advantages, solutions to problems, and any element or elements that may cause any benefit, advantage, or solution to occur or become more pronounced, however, are not to be construed as critical, required, or essential features or elements of any or all of the claims, unless such benefits, advantages, solutions, or elements are expressly stated in such claims.
Moreover, embodiments and limitations disclosed herein are not dedicated to the public under the doctrine of dedication if the embodiments and/or limitations: (1) are not expressly claimed in the claims; and (2) are or are potentially equivalents of express elements and/or limitations in the claims under the doctrine of equivalents.
Claims
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.
Type: Application
Filed: Jul 13, 2013
Publication Date: Jan 16, 2014
Inventors: Steven William Streit (Pasadena, CA), Samuel Harris Altman (San Francisco, CA), Alok Deshpande (Mountain View, CA), David Kenneth Schreiber (Mountain View, CA)
Application Number: 13/941,492
International Classification: G06Q 40/02 (20060101);