Patent ID: 9384478
Filing Date: 2016-07-05
CPC Classification: G06Q

Claim Text:
1. An apparatus for providing offline mobile banking, the apparatus comprising: a memory; at least one processor; and a module stored in the memory, executable by the processor, and configured to cause the at least one processor to: provide access, at a mobile device, to a mobile banking application, wherein the mobile banking application is configured to be automatically operable in an online mode when a network connection is established between the mobile device and a device associated with the financial institution, and wherein the mobile banking application is configured to be automatically operable in an offline mode when a network connection is not established between the mobile device and the device associated with the financial institution, wherein the mobile device is associated with a user, and wherein the user has an account maintained by the financial institution; authenticate the identity of the user based at least partially on one or more authentication credentials electronically received from the user at the mobile device via the mobile banking application; in response to authenticating the identity of the user, electronically receive, at the mobile device via the mobile banking application, a transaction request from the user, wherein electronically receiving the transaction request comprises a user inputting information related to the transaction request into the mobile banking application; electronically receive one or more user preferences associated with the transaction request from the user, the one or more user preferences comprising a network security status and a network type for a network connection to be established between the mobile device of the user and the device associated with the financial institution; electronically receive, at the mobile device via the mobile banking application, a request from the user to submit the transaction request for processing by the financial institution; in response to receiving the request to submit the transaction request for processing by the financial institution from the user, determine whether or not a network connection is established between the mobile device and the device associated with the financial institution, wherein the module is further configured to: in response to determining that a network connection is established between the mobile device and the device associated with the financial institution: determining whether a network security status and a network type associated with the established network connection matches the network security status and the network type associated with the one or more user preferences; immediately electronically communicate the transaction request from the mobile device to a device associated with the financial institution based at least in part on the mobile banking application being in an online mode and determining that the network security status and the network type associated with the established network connection matches the network security status and the network type associated with the one or more user preferences; and in response to determining that a network connection is not established between the mobile device and the device associated with the financial institution: