Patent ID: 8280810

Claim:
A computer program product comprising a non-transitory computer usable medium having computer readable program code embodied therein, the computer readable program code programmed to be executed to conduct a financial transaction and when executed by the computer performs a method comprising: providing a system, wherein the system comprises software modules, and wherein the software modules comprise a token-creator mapper; identifying, by the token-creator mapper, a particular renderer used by a customer's remote device; accessing, by the token-creator mapper, at least one template data file that is understood by the particular renderer; reformatting, by the token-creator mapper, a selected application for the particular renderer used by the remote device using the at least one template data file, wherein a customer is identified through the remote device to the financial institution software application, and wherein the financial institution software application gathers data to perform the selected application; creating, by the renderer, a representation of the reformatted application; and presenting the representation to the remote device for displaying.