FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A SERVER
First Claim
1. A method, comprising:
- receiving at a management server a payment account identifier from a point of sale terminal, wherein the execution of a payment application running on a mobile device facilitates a transfer of a default payment account identifier to the point of sale terminal using a first wireless communication channel, the payment application maintaining payment account information using the payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and 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;
processing a transaction using the default payment method based on receiving input from the user at the mobile device to initiate the transaction to purchase an item;
receiving a request for a digital artifact from the payment application in response to a request from the payment application for the digital artifact for display within-a specific payment application generated screen, wherein the specific payment application generated screen corresponds to a specific screen, scene, or real estate property.selecting the digital artifact based on correlating targeting parameters; and
sending the digital artifact to the payment application for display within the specific payment application generated screen.
1 Assignment
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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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receiving at a management server a payment account identifier from a point of sale terminal, wherein the execution of a payment application running on a mobile device facilitates a transfer of a default payment account identifier to the point of sale terminal using a first wireless communication channel, the payment application maintaining payment account information using the payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and 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; processing a transaction using the default payment method based on receiving input from the user at the mobile device to initiate the transaction to purchase an item; receiving a request for a digital artifact from the payment application in response to a request from the payment application for the digital artifact for display within-a specific payment application generated screen, wherein the specific payment application generated screen corresponds to a specific screen, scene, or real estate property. selecting the digital artifact based on correlating targeting parameters; and sending the digital artifact to the payment application for display within the specific payment application generated screen. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A management server, comprising:
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a management server interface configured to receive a payment account identifier from a point of sale terminal, wherein the point of sale terminal receives the payment account identifier from a payment application by using a first wireless communication channel, the payment application maintaining payment account information and payment account identifier by using the payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and 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; a management server processor configured to process a transaction using the default payment account identifier based on receiving input from the user at the mobile device to initiate the transaction to purchase an item; and a management server transceiver configured to receive a request for a digital artifact from the payment application in response to a request from the payment application for the digital artifact for display within a specific payment application generated screen, wherein the specific payment application generated screen corresponds to a specific screen, scene, or real estate property. a management server processor configured to select the digital artifact based on correlating targeting parameters; and a management server transceiver configured to send the digital artifact for display within the specific payment application generated screen. - 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 to receive a payment account identifier from a point of sale terminal, wherein the point of sale terminal receives the payment account identifier from a payment application using a first wireless communication channel, the payment application maintaining payment account information and payment account identifier by using a the payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and 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 processing a transaction using the default payment method corresponding to the user based on receiving input from the user at the mobile device to initiate the transaction to purchase an item; and computer code for receiving a request for a digital artifact from the payment application in response to a request from the payment application for the digital artifact for display within a specific payment application generated screen, wherein the specific payment application generated screen corresponds to a specific screen, scene, or real estate property. computer code for selecting the digital artifact based on correlating targeting parameters; and computer code for sending the digital artifact for display within the specific payment application generated screen.
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Specification