Patent ID: 9646342
Date: 2017-05-09
CPC Classifications: G06Q

Claim:
1. A system for providing remote control of a customer's online banking account, comprising: a computer apparatus including a processor and a memory; and an online banking module stored in the memory, executable by the processor and configured to: receive an association request from the customer to associate a first mobile device with the customer's online banking account, the association request comprising device identification information associated with the first mobile device and first account identification information associated with the customer's online banking account; associate the device identification information associated with the first mobile device with the customer's online banking account and create an association record based on the device identification information associated with the first mobile device and the first account identification information associated with the customer's online banking account; receive a binding request from the customer to bind the first mobile device with a first computing device, the binding request comprising the device identification information associated with the first mobile device, device identification information associated with the first computing device, and second account identification information associated with the customer's online banking account; bind the device identification information associated with the first mobile device with the device identification information associated with the first computing device and create a binding record based on the device identification information associated with the first mobile device, the device identification information associated with the first computing device. and the second account identification information associated with the customer's online banking account; receive a remote access command associated with the customer's online banking account from the first mobile device, the remote access command comprising the device identification information associated with the first mobile device, the device identification information associated with the first computing device, third account identification information associated with the customer's online banking account and at least one location restriction defining the first computing device's access to the online banking account; receive, at the processor, from the first computing device, GPS coordinates corresponding to the current location of the first computing device; determine, based on the GPS coordinates received from the first computing device, whether the first computing device has access to the online banking account; search a database of records to determine, based on (a) the device identification information associated with the first mobile device, (b) the device identification information associated with the first computing device, and (c) the third account identification information associated with the customer's online banking account comprised in the remote access command: (i) if the device identification information associated with the first mobile device is associated with the third account identification information and (ii) if the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device; and transmit a command to the first computing device based on the remote access command and determining that (i) the device identification information associated with the first mobile device is associated with the third account identification information (ii) the device identification information associated with the first mobile device is bound to the device identification information associated with the first computing device, and (iii) the first computing device has access to the online banking account, wherein, upon receiving the command the first computing device automatically opens an online banking application installed on the first computing device and initiates an online banking session by logging the first computing device onto the customer's online banking account using the online banking application.