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IN STORE MOBILE PAYMENT USING A DEFAULT PAYMENT METHOD

  • US 20130103518A1
  • Filed: 12/12/2012
  • Published: 04/25/2013
  • Est. Priority Date: 11/30/2007
  • Status: Abandoned Application
First Claim
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1. A method comprising:

  • maintaining payment account information by using a mobile device 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 at the payment application running on the mobile device from a user at the mobile device to purchase an item selected at of the mobile device, wherein the payment application sends 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;

    wirelessly transmitting an identification code 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 to the point of sale terminal, the point of sale terminal connected to the management server configured to process a transaction using a default payment method;

    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.

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