FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS USING A MOBILE COMMUNICATIONS DEVICE
First Claim
1. A method comprising:
- maintaining payment account information and an identification code by using a mobile operating system platform based payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device Wireless Fidelity (WiFi) interface;
receiving input from a user at the mobile device to purchase an item selected the mobile device;
sending a request for a digital artifact for a specific page identifier (ID) to a management server, the page ID corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user;
receiving the digital artifact from the management server;
displaying the digital artifact at a specific page ID of the payment application, wherein the page ID is a specific screen, scene, or real estate property;
receiving a payment account identifier;
wirelessly transmitting an identification code and the payment account identifier stored in the mobile device memory to the point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the identification code and the payment account identifier to the point of sale terminal, the point of sale terminal connected to the management server;
receiving a financial transaction response at the mobile device from the management server through a second wireless communication channel different from the first wireless communication channel; and
displaying financial transaction data included in the financial transaction response using the payment application on the mobile device.
2 Assignments
0 Petitions
Accused Products
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.
104 Citations
20 Claims
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1. A method comprising:
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maintaining payment account information and an identification code by using a mobile operating system platform based payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device Wireless Fidelity (WiFi) interface; receiving input from a user at the mobile device to purchase an item selected the mobile device; sending a request for a digital artifact for a specific page identifier (ID) to a management server, the page ID corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user; receiving the digital artifact from the management server; displaying the digital artifact at a specific page ID of the payment application, wherein the page ID is a specific screen, scene, or real estate property; receiving a payment account identifier; wirelessly transmitting an identification code and the payment account identifier stored in the mobile device memory to the point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the identification code and the payment account identifier to the point of sale terminal, the point of sale terminal connected to the management server; receiving a financial transaction response at the mobile device from the management server through a second wireless communication channel different from the first wireless communication channel; and
displaying financial transaction data included in the financial transaction response using the payment application on the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A mobile device comprising:
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a mobile device memory configured to maintain payment account information and an identification code by using a mobile operating system platform based payment application, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device; a mobile device input interface configured to receive input from a user at the mobile device to purchase an item selected the mobile device; a mobile device wireless fidelity (WiFi) transceiver; a mobile device output interface configured to send a request for a digital artifact for a specific page identifier (ID) to a management server, the page ID corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user, wherein the digital artifact is received from the management server; a mobile device display configured to present the digital artifact at a specific page ID of the payment application, wherein the page ID is a specific screen, scene, or real estate property; a mobile device radio transceiver configured to receive a payment account identifier and wirelessly transmit an identification code and the payment account identifier stored in the mobile device memory to the point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the identification code and the payment account identifier to the point of sale terminal, the point of sale terminal connected to the management server, wherein a financial transaction response is received at the mobile device from the management server through a second wireless communication channel different from the first wireless communication channel; and wherein financial transaction data included in the financial transaction response is displayed using the payment application on the mobile device. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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Specification