Remote transaction processing with authentication from a non-browser based application

• US 10,692,063 B2
• Filed: 11/25/2017
• Issued: 06/23/2020
• 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:
  US15/822,131
• Publication Number:
  US 20180075426A1
• Time in Patent Office: 941 Days
• Field of Search: 455 411, 455406-410, 4555561, 455558, 235375-385, 235451, 235462, 235492, 705 16, 705 18, 705 30, 705 40, 705 41, 705 44, 705 64
• 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 remote transaction received from a non-browser based application comprising:

receiving, at the non-browser based application, information related to an identification code associated with a user and information related to a password, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first communication channel using at least one of GSM and CDMA, and a mobile device wireless fidelity (Wi-Fi) transceiver;

transmitting, from the non-browser based application, the information related to the identification code associated with the user and the information related to the password to a remote management server;

receiving, at the mobile device, information authenticating the user associated with the information related to the identification code associated with the user and the information related to the password from the remote management server;

after user authentication, receiving a list of products from the remote management server at the non-browser based application for display using the non-browser based application;

receiving, at the non-browser based application an identification of one or more products selected from the list of products, wherein the non-browser based application receives the identification of one or more products selected from the list of products through the user input via the mobile device display of the mobile device;

transmitting from the non-browser based application to the remote management server an identification of one or more products selected from the list of products;

receiving, from the non-browser based application, a transaction purchase request, wherein the non-browser based application receives the transaction purchase request through the user input via the mobile device display of the mobile device;

transmitting, from the non-browser based application, the transaction purchase request to the remote management server;

after the remote transaction has been processed by a transaction server using a payment method, receiving at the non-browser based application, a digital artifact from the remote management server; and

displaying the digital artifact within the non-browser based application.

2. The method of claim 1, wherein the payment method is a default payment method.

3. The method of claim 1, wherein the payment method is a user selected payment method.

4. The method of claim 1, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata, and/or content.

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

6. The method of claim 1, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

7. The method of claim 1, wherein the password is a personal identification number (PIN).

8. The method of claim 1, wherein the password includes biometric data.

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

10. The method of claim 1, wherein no sensitive information is stored on the mobile device.

11. The method of claim 10, wherein the sensitive information comprises at least one of information related to the payment method or information related to the expiration date associated with the payment method.

12. The method of claim 1 further wherein the non-browser based application is operative when the mobile device is not connected to a wireless network.

13. The method of claim 1, further wherein the non-browser based application generates an alert if it has not received the digital artifact from the remote management server within a certain period of time.

14. The method of claim 1 further wherein, the non-browser based application can display the digital artifact when the mobile device is not connected to a wireless network.

15. The method of claim 1, further wherein upon the condition that the mobile device loses connection with a wireless network the non-browser based application monitors for access to the wireless network and automatically re-connects to the wireless network when the wireless network is available.

16. The method of claim 1, further wherein the digital artifact is based on the remote management server correlating the identification code associated with the user, information related to the payment method, information related to the user, information related to the remote transaction, and information related to a transaction history of the user.

33. The method of claim 1, further wherein the remote management server stores the identification code associated with the user for a plurality of the user'"'"'s mobile devices.

35. The method of claim 1, further wherein the non-browser based application sends a request to the remote management server for retransmission of the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

36. The method of claim 1, further wherein the non-browser based application automatically displays the digital artifact in an easily retrievable fashion.

37. The method of claim 1, wherein the non-browser based application means the non-browser based application does not have to re assemble the digital artifact received from the remote management server before displaying the digital artifact in the non-browser based application.

17. A mobile device for processing a remote transaction received from a non-browser based application compromising

a mobile device input interface configured to:

receive, at the non-browser based application information related to an identification code associated with a user and information related to a password, wherein the non-browser based application 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, wherein the graphical user interface includes a graphical icon, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, a mobile device radio transceiver that supports voice and data interactions through a first communication channel using at least one of GSM and CDMA, and a mobile device wireless fidelity (Wi-Fi) transceiver;

receive information authenticating the user associated with the information related to the identification code associated with the user and the information related to the password from the remote management server;

after user authentication, receive a list of products from the remote management server at the non-browser based application for display using the non-browser based application;

receive, at the non-browser based application an identification of one or more products selected from the list of products, wherein the non-browser based application receives the identification of one or more products selected from the list of products through the user input via the mobile device display of the mobile device;

receive, at the non-browser based application, a transaction purchase request, wherein the non-browser based application receives the transaction purchase request through the user input via the mobile device display of the mobile device;

after the remote transaction has been processed by a transaction server using a payment method, receiving at the non-browser based application, a digital artifact from the remote management server;

a mobile device output interface configured to;

transmit, from the non-browser based application the information related to the identification code associated with the user and information related to the password to the remote management server;

transmit from the non-browser based application to the remote management server an identification of one or more products selected from the list of products;

transmit, from the non-browser based application, the transaction purchase request to the remote management server;

a mobile device display configured to display the digital artifact within the non-browser based application.

18. The mobile device of claim 17, wherein the payment method is a default payment method.

19. The mobile device of claim 17, wherein the payment method is a user selected payment method.

20. The mobile device of claim 17, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata, and/or content.

21. The mobile device of claim 17, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

22. The mobile device of claim 17, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

23. The mobile device of claim 17, wherein the password is a personal identification number (PIN).

24. The mobile device of claim 17, wherein the user password includes biometric data.

25. The mobile device of claim 17, wherein the payment method is a credit card, debit card, or prepaid card.

26. The mobile device of claim 17, wherein no sensitive information is stored on the mobile device.

27. The mobile device of claim 26, wherein the sensitive information comprises at least one of information related to the payment method or information related to the expiration date associated with the payment method.

28. The mobile device of claim 17, further wherein the non-browser based application is operative when the mobile device is not connected to a wireless network.

29. The mobile device of claim 17, further wherein the non-browser based application generates an alert if it has not received the digital artifact from the remote management server within a certain period of time.

30. The mobile device of claim 17, further wherein the non-browser based application can display the digital artifact when the mobile device is not connected to a wireless network.

31. The mobile device of claim 17, further wherein upon the condition that the mobile device loses connection with a wireless network the non-browser based application monitors for access to the wireless network and automatically re-connects to the wireless network when the wireless network is available.

32. The mobile device of claim 17, further wherein the digital artifact is based on the remote management server correlating the identification code associated with the user, information related to the payment method, information related to the user, information related to the remote transaction, and information related to a transaction history of the user.

34. The mobile device of claim 17, further wherein the remote management server stores the identification code associated with the user for a plurality of the user'"'"'s mobile devices.

38. The mobile device of claim 17, further wherein the non-browser based application sends a request to the remote management server for retransmission of the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

39. The mobile device of claim 17, further wherein the non-browser based application automatically displays the digital artifact in an easily retrievable fashion.

40. The mobile device of claim 17 wherein the non-browser based application means the non-browser based application does not have to re assemble the digital artifact received from the remote management server before displaying the digital artifact in the non-browser based application.