Mobile banking systems and related methods

Abstract

Embodiments of mobile banking systems are described herein. Other examples and related methods are also disclosed herein.

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.