Patent ID: 8725577

Claim:
A method, comprising: maintaining payment account information by using a mobile banking application 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; exchanging data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction; executing the mobile banking application on the mobile device processor, wherein executing the mobile banking application comprises: sending a request to the management server for a digital artifact for display within a specific mobile banking application generated screen, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property, wherein the digital artifact is selected based on correlating targeting parameters, and wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user; receiving the digital artifact from the management server for display within the specific mobile banking application generated screen; and displaying the digital artifact within the specific mobile banking application generated screen.