PERSONALIZED MOBILE BANKING TRANSACTIONS AT A SERVER WITHOUT AUTHENTICATION

摘要

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.

主权项

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.