Universal Mobile App Customization for Financial Institutions
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current mobile software applications for financial institutions are often generic and lack customization, leading to redundant functionalities across different financial entities, failing to provide tailored experiences for users associated with multiple entities.
Innovation Solution
A system and method for customizing mobile applications based on user associations with entities, allowing a single generic mobile application to be downloaded and customized for specific entities, such as financial institutions or content providers, across various devices and operating systems, using a network of service providers including web application, mobile application, messaging, and distribution systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If each financial institution releases its own version of a mobile application, then each institution can provide its specific functionality, but the functionality becomes substantially similar across institutions and users must download multiple applications
Solution Approach 1:
The patent implements a universal mobile application framework that can be customized to serve multiple financial institutions. A single base application contains core functionality that can be adapted through customization mechanisms (such as configuration files, parameter settings, or modular components) to display different institutional branding, routing numbers, and interface preferences, eliminating the need for users to download separate applications for each bank.
Solution Approach 2:
The application is divided into a core functional framework and customizable components. The core framework provides universal features (account balancing, transaction viewing, security), while customizable components allow each financial institution's specific functionality to be injected without requiring a complete application rewrite. This segmentation enables one application to serve multiple institutions while maintaining distinct institutional characteristics.
2Productivity
If a single generic mobile application is downloaded and customized, then redundancy is reduced and users access tailored experiences, but the system complexity increases due to customization mechanisms
Solution Approach 1:
The customization data (such as institutional parameters, branding information, and configuration settings) is prepared and stored in advance on servers or in local databases. When a user launches the application, the pre-prepared customization data is automatically retrieved and applied without requiring complex real-time calculations or user configuration actions. This preliminary preparation simplifies the runtime operation despite the complexity of the customization system.
Solution Approach 2:
The patent introduces an intermediary layer (customization engine or configuration manager) that sits between the generic application framework and the specific institutional requirements. This intermediary translates institutional-specific needs into application configurations, handling the complexity of customization logic centrally rather than within the user's device, thereby reducing the perceived complexity at the user interface level.
3Ease of manufacture
If multiple financial institutions use the same mobile application framework, then development costs are reduced, but the functionality provided by each institution's application becomes substantially similar
Solution Approach 1:
The application framework maintains consistent core functionality across all institutions while allowing local customization at specific points. Each financial institution can provide its own branding, color schemes, routing number formats, and interface preferences through localized configuration files or parameters. This local quality approach enables cost-efficient development through code sharing while preserving institution-specific identity and functionality where it matters most.
Data Source
AI summary
Systems and methods for customizing mobile applications are provided. The systems and methods may include storing one or more computers, an identifier associated with (i) a user and (ii) an entity with whom the user is affiliated; receiving a mobile application request; facilitating delivery of a mobile application to a mobile device associated with the user; receiving the identifier; and directing a delivery of customization information for customizing the mobile application of the mobile device, the customization information associated with one or both of the user or the entity with whom the user is affiliated.