REMOTE TRANSACTION PROCESSING WITH MULTIPLE PAYMENT MECHANISMS
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 targeting parameters at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property;
wirelessly transmitting a transaction confirmation to the management server, the management server operable to process a transaction using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user; and
receiving response information at the mobile device from the management server.
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.
322 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 targeting parameters at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property; wirelessly transmitting a transaction confirmation to the management server, the management server operable to process a transaction using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user; and receiving response information at the mobile device from the management server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A mobile device, comprising:
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a mobile device memory included in a mobile device, the mobile device memory configured to maintain payment account information by using a payment application, wherein the 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 application configured to display 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 targeting parameters; and a mobile device radio transceiver configured to wirelessly transmit a transaction confirmation to the management server, the management server operable to process a transaction using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user, wherein the mobile device radio transceiver is further configured to transmit authentication information to the management server, wherein response information is received at the mobile device from the management server. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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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 targeting parameters at a specific page identifier (ID), the page ID corresponding to a specific screen, scene, or real estate property; computer code for wirelessly transmitting a transaction confirmation to the management server, the management server operable to process a transaction using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user; and computer code for receiving response information at the mobile device from the management server.
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Specification