SYSTEM AND METHOD FOR INITIATING TRANSACTIONS ON A MOBILE DEVICE

• US 20120150750A1
• Filed: 12/13/2011
• Published: 06/14/2012
• Est. Priority Date: 12/14/2010
• Status: Active Grant

• Current Assignee: Sticky IO Incorporated
• Original Assignee: Xtreme Mobility Incorporated
• Inventors: Law, Simon, Poon, Dennis, Burnison, Richard, Bokser, Jerry
• Granted Patent: US 9,596,237 B2
• Time in Patent Office: Days
• US Class Current: 705/76
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• 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 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys
• CPC Class Codes: H04W 60/00 Affiliation to network, e.g. registration; Terminating affiliation with the network, e.g. de-registration
• CPC Class Codes: H04W 8/26 Network addressing or numbering for mobility support

Abstract

Systems and methods are provided for providing a more seamless purchasing experience using a mobile device. The mobile device acquires data, such a barcode image, an image of an object or text, or audio data. A non-limiting example of a barcode is a Quick Response (QR) barcode. The acquired data is then used to obtain a network address of a payment website or webpage, which allows a user to make a purchase for a given product or service. The mobile device then launches the payment website or webpage. A user can enter into the mobile device, through the payment website or webpage, a supplemental ID used for authenticating the transaction.

Claims

1. A method for displaying a webpage on a mobile device, the webpage for facilitating a transaction, the method comprising:

the mobile device acquiring data related to a product or a service;

the mobile device obtaining a network address from the data, the network address of the webpage for facilitating the transaction to purchase the product or the service; and

the mobile device displaying the webpage using the network address.

2. The method of claim 1 further comprising, the mobile device receiving a supplemental ID through the webpage, the supplemental ID for verifying a payment ID of a payment account used to purchase the product or the service.

3. The method of claim 1 further comprising, the mobile device generating a digital signature and the mobile device sending the digital signature and a mobile device ID to a payment gateway to authenticate the transaction.

4. The method of claim 1 further comprising, the mobile device receiving at least one selection to modify one or more parameters associated with the transaction.

5. The method of claim 4 wherein the one or more parameters includes the quantity of the product to be purchased.

6. The method of claim 1 wherein the mobile device uses the data to search for the network address in a database, the database associating identifications of products or services with network addresses.

7. The method of claim 6 wherein the mobile device sends the data to a server, and the server searches for the network address in the database, and returns the network address to the mobile device.

8. The method of claim 1 wherein the acquired data is a barcode image.

9. The method of claim 1 wherein the acquired data is an image of an object, or text, or both.

10. The method of claim 9 wherein the image is a video image.

11. The method of claim 1 wherein the acquired data is audio data.

12. A computer readable medium comprising computer executable instructions for displaying a webpage on the mobile device, the webpage for facilitating a transaction, the computer executable instructions performing the method of claim 1.

13. A method for displaying a webpage on a mobile device, the webpage for facilitating a transaction, the method comprising:

the mobile device using a camera to acquire a barcode image related to a product or a service;

the mobile device decoding the barcode image to extract data;

the mobile device obtaining a network address from the data, the network address of the webpage for facilitating the transaction to purchase the product or the service; and

the mobile device displaying the webpage using the network address.

14. The method of claim 13 wherein the data extracted from the barcode image is the network address.

15. The method of claim 13 further comprising, the mobile device receiving a supplemental ID through the webpage, the supplemental ID for verifying a payment ID of a payment account used to purchase the product or the service.

16. The method of claim 13 further comprising, the mobile device generating a digital signature and the mobile device sending the digital signature and a mobile device ID to a payment gateway to authenticate the transaction.

17. A computer readable medium comprising computer executable instructions for displaying a webpage on the mobile device, the webpage for facilitating a transaction, the computer executable instructions performing the method of claim 13.

18. A method for displaying a webpage on a mobile device, the webpage for facilitating a transaction, the method comprising:

the mobile device using a camera to acquire an image related to a product or a service;

applying image recognition to the image to extract data;

the mobile device obtaining a network address from the data, the network address of the webpage for facilitating the transaction to purchase the product or the service; and

the mobile device displaying the webpage using the network address.

19. The method of claim 18 wherein the mobile device sends the image to a server, the server applying the image recognition to the image, and the server returns the network address to the mobile device.

20. The method of claim 18 wherein the image is of text and the image recognition is optical character recognition.

21. The method of claim 18 wherein the data extracted is the text identifying the network address.

22. The method of claim 18 wherein the image is a video image.

23. The method of claim 18 further comprising, the mobile device receiving a supplemental ID through the webpage, the supplemental ID for verifying a payment ID of a payment account used to purchase the product or the service.

24. The method of claim 18 further comprising, the mobile device generating a digital signature and the mobile device sending the digital signature and a mobile device ID to a payment gateway to authenticate the transaction.

25. A computer readable medium comprising computer executable instructions for displaying a webpage on the mobile device, the webpage for facilitating a transaction, the computer executable instructions performing the method of claim 18.

26. A method for displaying a webpage on a mobile device, the webpage for facilitating a transaction, the method comprising:

the mobile device using a microphone to acquire audio data related to a product or a service;

applying audio recognition to the audio data to extract data;

the mobile device obtaining a network address from the data, the network address of the webpage for facilitating the transaction to purchase the product or the service; and

the mobile device displaying the webpage using the network address.

27. The method of claim 26 wherein the mobile device sends the audio data to a server, the server applying the audio recognition to the audio data, and the server returns the network address to the mobile device.

28. The method of claim 26 wherein the audio data is music, the audio recognition is music recognition, and the product purchased is a song.

29. The method of claim 26 wherein the audio data is speech and the audio recognition is speech recognition.

30. The method of claim 29 wherein the data extracted from the speech are words identifying the network address.

31. The method of claim 26 further comprising, the mobile device receiving a supplemental ID through the webpage, the supplemental ID for verifying a payment ID of a payment account used to purchase the product or the service.

32. The method of claim 26 further comprising, the mobile device generating a digital signature and the mobile device sending the digital signature and a mobile device ID to a payment gateway to authenticate the transaction.

33. A computer readable medium comprising computer executable instructions for displaying a webpage on the mobile device, the webpage for facilitating a transaction, the computer executable instructions performing the method of claim 26.

34. A method for retrieving a network address of a webpage for facilitating a transaction, the method comprising:

a server receiving from a mobile device data related to a product or a service;

the server obtaining a network address from the data, the network address of the webpage for facilitating the transaction to purchase the product or the service; and

the server returning the network address to the mobile device.

35. The method of claim 34 wherein the server uses the data to search for the network address in a database, the database associating identifications of products or services with network addresses.

36. The method of claim 35 further comprising the server extracting an identification of the product or the service from the data.

37. The method of claim 36 wherein the data received is a barcode image, which the server decodes to extract the identification.

38. The method of claim 36 wherein the data received is an image, which the server processes using image recognition to extract the identification.

39. The method of claim 38 wherein the image is a video image.

40. The method of claim 36 wherein the data received is audio data, which the server processes using audio recognition to extract the identification.

41. A computer readable medium comprising computer executable instructions for retrieving a network address of a webpage for facilitating a transaction, the computer executable instructions performed by a server in communication with a mobile device, the computer executable instructions comprising the method of claim 34.