Patent ID: 8781963

Claim:
An application that provides a mobile banking platform to a user, the application disposed in a mobile customer machine that is associated with the user, the application tangibly disposed in the form of code on a computer readable medium, the application comprising: a processing portion, comprising at least one computer processor, that interfaces with the user and interfaces with a bank processing system, the processing portion providing financial related functionality relating to a financial account of the user, the processing portion: inputting data related to the financial account from at least one of the user and from the bank processing system; inputting a command related to the data, wherein the command acts on the inputted data; performing processing on the data in response to the command, wherein the processing portion is configured to provide a plurality of functions associated with a profile of the financial account of the user comprising: an alert function providing management of a plurality of real-time alerts associated with the financial account, wherein at least one real-time alert is associated with a fraud alert; a control function providing notification to the bank processing system of one or more future travels and purchases; a service function providing status and payment information associated with the financial account; and an advisor function providing communication with an advisor or a representative associated with the bank processing system by bypassing one or more security prompts; outputting a result based on the processing performed, the result output to at least one of the user and the bank processing system; wherein the processing portion further comprises the ability for the user to change the plurality of functions, the ability for the user to change the plurality of functions for a second user, and the ability for the user to change the plurality of functions for different profiles of the second user, where the different profiles of the second user are respectively associated with different financial accounts of the second user.