REMOTE TRANSACTION PROCESSING USING AUTHENTICATION INFORMATION
First Claim
1. A method, comprising:
- maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform based 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 (Wi-Fi) interface;
receiving input at the payment application running on the mobile device from a user to purchase an item selected at the mobile device, wherein the payment application displays a digital artifact based on top spend categories at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property;
wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and
receiving response information at the mobile device from the management server.
1 Assignment
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.
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Citations
20 Claims
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1. A method, comprising:
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maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform based 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 (Wi-Fi) interface; receiving input at the payment application running on the mobile device from a user to purchase an item selected at the mobile device, wherein the payment application displays a digital artifact based on top spend categories at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property; wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and receiving response information at the mobile device from the management server. - View Dependent Claims (2, 5, 6, 7, 8, 9, 10)
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- 3. The method of claim 3, wherein the data exchange includes exchanging an identification code.
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11. A mobile device, comprising:
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a mobile device memory configured to maintain payment account information associated with a mobile payment application, wherein the mobile payment application is a mobile operating system platform based mobile application preinstalled or downloaded and installed on the mobile device; a mobile device wireless fidelity (Wi-Fi) interface; a mobile device processor configured to receive a digital artifact from the management server; a mobile device input interface configured to receive input from a user to purchase an item selected at the mobile device; a mobile device display configured to present a digital artifact for a specific page identifier (ID) received from a management server, the page ID corresponding to a specific screen, scene, or real estate property, wherein the digital artifact is based on top spend categories; a mobile device radio transceiver configured to wirelessly transmit authentication information to the management server, the management server configured to process a transaction using a default payment method, wherein response information is received at the mobile device from the management server. - View Dependent Claims (12, 15, 16, 17, 18, 19)
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- 13. The mobile device of claim 13, wherein the data exchange includes exchanging an identification code.
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20. A non-transitory computer readable medium, comprising:
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computer code for maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform based 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 (Wi-Fi) interface; computer code for receiving input at the payment application running on the mobile device from a user to purchase an item selected at the mobile device, wherein the payment application displays a digital artifact based on top spend categories at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property; computer code for wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and computer code for receiving response information at the mobile device from the management server.
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Specification