Financial transaction processing with digital artifacts and multiple payment methods using a server

• US 10,140,603 B2
• Filed: 10/05/2015
• Issued: 11/27/2018
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/874,858
• Publication Number:
  US 20160078425A1
• Time in Patent Office: 1,149 Days
• Field of Search: 705 16, 705 38, 705 30, 705 39, 705 40, 705 41, 705 44, 705 65, 705 72, 705 5, 705 268, 705 1438, 705 1464, 705 261, 455558, 235375-385, 23546246
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method for processing a contactless payment transaction, comprising:

maintaining, at a remote management server, a plurality of payment methods;

receiving at the remote management server a payment account identifier from a point of sale terminal over a third communication channel, wherein the point of sale terminal receives the payment account identifier over a second communication channel that utilizes contactless communication from a payment application, wherein the payment application receives the payment account identifier selected from a plurality of payment account identifiers through user input via a mobile device display, the payment application maintaining the payment account identifier in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device display, a mobile device processor, a mobile device wireless interface that utilizes at least one of CDMA, GSM, or WIFI, wherein a first communication channel, the second communication channel and the third communication channel are all different;

processing at the remote management server the contactless payment transaction using a payment method corresponding to the payment account identifier; and

after the contactless payment transaction has been processed by the remote management server, transmitting, over the first communication channel, a digital artifact from the remote management server to the payment application for storage on the mobile device and display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.

2. The method of claim 1, wherein the digital artifact includes metadata operable to trigger a call to action.

3. The method of claim 1, further wherein prior to the contactless payment transaction being initiated, receiving, at the remote management server, user authentication information from the payment application, wherein the payment application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein upon receipt of the user authentication information, authenticating, at the remote management server, the user associated with the user authentication information.

4. The method of claim 3, wherein the user authentication information includes biometric data.

5. The method of claim 4, wherein the user authentication information is a personal identification number (PIN).

6. The method of claim 1, wherein a coupon is redeemed during the transaction.

7. The method of claim 1, further wherein the remote management server selects the digital artifact based on one or more targeting parameters, wherein the targeting parameters comprises personal information and/or financial transaction related information.

8. The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the payment application.

9. The method of claim 7, wherein personal information comprises location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

10. The method of claim 7, wherein the financial transaction related information comprises financial information related to historical payment transactions, financial information related to real-time payment transactions, financial information related to contactless transactions made using a secure element coupled to the mobile device, financial information related to internet commerce, financial information related to bill pay, financial information related to top spend categories, merchants, financial information related to storage of banking information, financial information related to account balance, financial information related to payment history, financial information related to funds transfer, financial information related to tickets, financial information related to receipts, financial information related to coupons transactions made by the user but not through the mobile device, and financial information related to raw data downloaded from banks.

11. The method of claim 1, wherein the mobile device has a secure element including a secure element processor configured for near field communication transaction processing, a secure element memory that maintains a secure element application, and a secure element near field communication transceiver.

21. The method of claim 1, wherein the payment method comprises a credit card, debit card, or prepaid card.

22. The method of claim 1, further wherein the digital artifact can be accessed by the payment application when the mobile device is not connected to a wireless network.

23. The method of claim 22, wherein upon the condition that the mobile device loses connection with the wireless network, the payment application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

27. The method of claim 1, further wherein no sensitive data is stored on the mobile device.

28. The method of claim 27, wherein the sensitive data includes information related to the payment method.

29. The method of claim 27, wherein the sensitive data includes information related to the user authentication information.

30. The method of claim 1, wherein the remote management server sends the digital artifact to the payment application based on the geographical location of the mobile device.

31. The method of claim 1, further wherein the payment application can be used when the mobile device is not connected to a wireless network.

32. The method of claim 1, further wherein payment application generates an alert if it has not received the digital artifact within a certain period of time.

33. The method of claim 1, further wherein the same payment application is used in the contactless payment transaction and storing and displaying the digital artifact.

34. The method of claim 1, wherein the remote management server is configured to store a single identification code associated with the user for a plurality of the user'"'"'s mobile devices and further wherein this means the configuration scales.

12. A remote management server for processing a contactless payment transaction, comprising:

a remote management server memory that maintains a plurality of payment methods;

a remote management server interface configured to receive a payment account identifier from a point of sale terminal over a third communication channel, wherein the point of sale terminal receives the payment account identifier over a second communication channel that utilizes contactless communication, from a payment application, wherein the payment application receives the payment account identifier selected from a plurality of payment account identifiers through user input via a mobile device display, the payment application maintaining the payment account identifier in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device display, a mobile device processor, a mobile device wireless interface that utilizes at least one of CDMA, GSM, or WIFI, wherein a first communication channel, the second communication channel and the third communication channel are all different;

a remote management server processor configured to;

process the contactless payment transaction using a payment method corresponding to the identification code associated with the user; and

after the contactless payment has been processed by the remote management server, a remote management server transceiver that transmits over the first communication channel a digital artifact to the payment application for storage on the mobile device and display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.

13. The remote management server of claim 12, wherein the digital artifact includes metadata operable to trigger a call to action.

14. The remote management server of claim 12, further wherein prior to the contactless payment transaction being initiated, receiving, at the remote management server, user authentication information from the payment application, wherein the payment application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein upon receipt of the user authentication information, authenticating, at the remote management server, the user associated with the user authentication information.

15. The remote management server of claim 14, wherein the user authentication information includes biometric data.

16. The remote management server of claim 15, wherein the user authentication information is a personal identification number (PIN).

17. The remote management server of claim 12, wherein a coupon is redeemed during the transaction.

18. The remote management server of claim 12, further wherein the remote management server selects the digital artifact based on one or more targeting parameters, wherein the targeting parameters comprises personal information and/or financial transaction related information.

19. The remote management server of claim 12, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the payment application.

24. The remote management server of claim 12, wherein the payment method comprises a credit card, debit card, or prepaid card.

25. The remote management server of claim 12, further wherein the digital artifact can be accessed by the payment application when the mobile device is not connected to a wireless network.

26. The remote management server of claim 25, wherein upon the condition that the mobile device loses connection with the wireless network, the payment application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

35. The remote management server of claim 12, further wherein no sensitive data is stored on the mobile device.

36. The remote management server of claim 35, wherein the sensitive data includes information related to the payment method.

37. The remote management server of claim 35, wherein the sensitive data includes information related to the user authentication information.

38. The remote management server of claim 12, wherein the remote management server sends the digital artifact to the payment application based on the geographical location of the mobile device.

39. The remote management server of claim 12, further wherein the same payment application is used in the contactless payment transaction and storing and displaying the digital artifact.

40. The remote management server of claim 12, wherein the remote management server is configured to store a single identification code associated with the user for a plurality of the user'"'"'s mobile devices and further wherein this means the configuration scales.

41. The remote management server of claim 12, further wherein the payment application can be used when the mobile device is not connected to a wireless network.

42. The remote management server of claim 12, further wherein the payment application generates an alert if it has not received the digital artifact within a certain period of time.

20. A non-transitory computer readable medium for processing a contactless payment transaction, comprising:

computer code for maintaining, at a remote management server, a plurality of payment methods;

computer code to receive, at the remote management server, a payment account identifier from a point of sale terminal over a third communication channel, wherein the point of sale terminal receives the payment account identifier over a second communication channel that utilizes contactless communication from a payment application, wherein the payment application receives the payment account identifier selected from a plurality of payment account identifiers through user input via a mobile device display, the payment application maintaining the payment account identifier using the payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device display, a mobile device processor, a mobile device wireless interface that utilizes at least one of CDMA, GSM, or WIFI, wherein a first communication channel, the second communication channel and the third communication channel are all different;

computer code for processing the contactless payment at the remote management server using a payment method corresponding to the payment account identifier;

computer code for after the contactless payment transaction has been processed by the remote management server, transmits from the remote management server-, over the first communication channel, a digital artifact to the payment application for storage on the mobile device and display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.