Importance

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Abstract

A system for enabling wireless interaction between a user of a wireless device and a financial institution is provided. The preferred embodiment comprises three layers, namely a presentation layer, a business logic layer, and a data access layer, each manipulating or accessing data and passing said data in a preferred format to the other layers irrespective of the wireless device used or the financial institution queried. The presentation layer receives the user request, makes appropriate requests of the financial institution through the business logic layer, obtains the financial information using the data access layer, and returns the financial information to the user over a wireless network. A user can employ various wireless devices to interact with the network, including but not limited to cellular telephones, PDAs, and laptop computing devices. The entire transaction is provided in a secure environment.

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First Claim