Offline mobile banking system

US9384478B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Matthew A. Calman · Charlotte, US
• Dipika Jain · Charlotte, US
• William E. Kelley · Charlotte, US
• Chris Purvis · Waxhaw, US
• Michael E. Toth · Charlotte, US

Key dates

• Filing date: Jul 19, 2013
• Grant date: Jul 5, 2016
• Expiry date: Oct 15, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.