System, method and article of manufacture to facilitate a financial transaction without unlocking a mobile device
First Claim
Patent Images
1. A method to conserve power in a mobile device comprising:
- (a) maintaining, in the mobile device, a profile storing authentication data associated with;
(1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;
(b) identifying the mobile device is at a business location;
(c) passively authenticating the primary user, and upon successful authentication of the primary user;
(c1) displaying an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code,(c2) facilitating a first financial transaction at the business location based on the scanning code without unlocking the mobile device; and
(d) determining that the mobile device has left the business location;
(e) identifying the mobile device has returned to the business location;
(f) passively authenticating the at least one secondary user, and upon successful authentication;
(f1) displaying the image over the portion of the default lock screen wallpaper when the mobile device is in the screen locked state,(f2) facilitating a second financial transaction at the business location based on the scanning code without unlocking the mobile device;
(g) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the first and second financial transactions, and(h) wherein each of the first and second financial transactions is cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with each of the first and second financial transactions with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment.
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Accused Products
Abstract
A financial transaction is facilitated without unlocking a mobile device, where the lock screen wallpaper of a mobile device is dynamically set to an image having a scanning code (e.g., a QR code, a barcode, etc.) for use at a business location that the user is currently located.
47 Citations
30 Claims
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1. A method to conserve power in a mobile device comprising:
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(a) maintaining, in the mobile device, a profile storing authentication data associated with;
(1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;(b) identifying the mobile device is at a business location; (c) passively authenticating the primary user, and upon successful authentication of the primary user; (c1) displaying an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, (c2) facilitating a first financial transaction at the business location based on the scanning code without unlocking the mobile device; and (d) determining that the mobile device has left the business location; (e) identifying the mobile device has returned to the business location; (f) passively authenticating the at least one secondary user, and upon successful authentication; (f1) displaying the image over the portion of the default lock screen wallpaper when the mobile device is in the screen locked state, (f2) facilitating a second financial transaction at the business location based on the scanning code without unlocking the mobile device; (g) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the first and second financial transactions, and (h) wherein each of the first and second financial transactions is cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with each of the first and second financial transactions with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A mobile device comprising:
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a processor; a display; storage storing computer readable programmable code, which when executed by the processor implements a method to conserve power in the mobile device having a lock screen wallpaper, the storage comprising computer readable program code to; (a) maintain, in the mobile device, a profile storing authentication data associated with;
(1) a primary user of a mobile device, and (2) at least one secondary user that is authorized to use the mobile device;(b) identify the mobile device is at a business location; (c) passively authenticate the primary user, and upon successful authentication of the primary user; (c1) display an image over a portion of a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, (c2) facilitate a first financial transaction at the business location based on the scanning code without unlocking the mobile device; and (d) determine that the mobile device has left the business location; (e) identify the mobile device has returned to the business location; (f) passively authenticate the at least one secondary user, and upon successful authentication; (f1) display the image over the portion of the default lock screen wallpaper when the mobile device is in the screen locked state, (f2) facilitate a second financial transaction at the business location based on the scanning code without unlocking the mobile device; (g) wherein power is conserved in the mobile device by not unlocking it at the business location to conduct the first and second financial transactions, and (h) wherein each of the first and second financial transactions is cloud-based, wherein a payment provider automatically covers a cost of a purchase associated with each of the first and second financial transactions with issuer linked funds, and wherein the payment provider charges a cloud-linked user account in a card-not-present environment. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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Specification