METHOD AND SYSTEM FOR MOBILE BANKING USING A SERVER

摘要

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

主权项

1. A method for conducting a mobile banking transaction using a server, the method comprising:
exchanging data associated with a mobile banking application running on a mobile device, wherein the mobile banking application is not browser based and is preinstalled or downloaded and installed by a user on the mobile device; authenticating at the server a user of the mobile device prior to conducting the mobile banking transaction; receiving at the server user input from the mobile banking application to initiate the mobile banking transaction; processing at the server the mobile banking transaction, wherein there is no direct communication between a secure element coupled to the mobile device and a radio element in the mobile device and further wherein data from the secure element is not available to the mobile device processor or mobile banking application for the mobile banking transaction, wherein the secure element comprises a secure element memory.