FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A POS
First Claim
1. A method, comprising:
- receiving a default payment account identifier at a point of sale terminal using a first wireless communication channel from a mobile device;
wherein the execution of a payment application running on a mobile device facilitates a transfer of the payment account identifier corresponding to a default payment method to the point of sale terminal in response to receiving input from the user at the mobile device to initiate a transaction to purchase an item, the payment account information identifier maintained by a mobile application using a payment application in a mobile device memory included in the mobile device, wherein the payment application is a mobile operating system platform non browser 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;
sending the payment account identifier to a management server for processing the transaction using the default payment account identifier and further wherein the management server selects a digital artifact based on correlating targeting parameters in response to a request from the mobile application for the digital artifact for display within a specific payment application screen and sends the digital artifact to the mobile application for display within the specific payment application generated screen, the specific payment application screen corresponding to a specific screen, scene, or real estate property.
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 a default payment account identifier at a point of sale terminal using a first wireless communication channel from a mobile device;
wherein the execution of a payment application running on a mobile device facilitates a transfer of the payment account identifier corresponding to a default payment method to the point of sale terminal in response to receiving input from the user at the mobile device to initiate a transaction to purchase an item, the payment account information identifier maintained by a mobile application using a payment application in a mobile device memory included in the mobile device, wherein the payment application is a mobile operating system platform non browser 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;sending the payment account identifier to a management server for processing the transaction using the default payment account identifier and further wherein the management server selects a digital artifact based on correlating targeting parameters in response to a request from the mobile application for the digital artifact for display within a specific payment application screen and sends the digital artifact to the mobile application for display within the specific payment application generated screen, the specific payment application screen corresponding to a specific screen, scene, or real estate property. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A point-of-sale terminal comprising:
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a point-of-sale interface configured to receive a payment account identifier corresponding to a default payment method by using a first wireless communication channel, wherein the point of sale terminal receives the payment account identifier from a mobile application based on receiving input from the user at a mobile device to initiate a transaction to purchase an item, the payment account identifier maintained by a mobile application using a payment application in a mobile device memory included in a mobile device, wherein the payment application is a mobile operating system platform non browser 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; and a point-of-sale processor configured to send the payment account identifier to a management server for processing the transaction and further wherein the management server selects a digital artifact based on correlating targeting parameters in response to a request from the mobile application for the digital artifact for display within a specific payment application screen and sends the digital artifact for display within the specific payment application generated screen, the specific payment application screen corresponding to a specific screen, scene, or real estate property. - 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 at a point of sale terminal sing a first wireless communication channel, wherein the execution of a payment application running on a mobile device facilitates a transfer of the payment account identifier corresponding to a default payment method to the point of sale terminal in response to receiving input from the user at the mobile device to initiate a transaction to purchase an item, the payment account identifier maintained by a mobile application using a payment application in a mobile device memory included in the mobile device, wherein the payment application is a mobile operating system platform non browser 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 sending the payment account identifier to a management server for processing the transaction using the default payment identifier user, and further wherein the management server selects the a digital artifact based on correlating targeting parameters in response to a request from the mobile application for the digital artifact for display within a specific payment application screen and sends the digital artifact for display within the specific payment application generated screen, the specific payment application screen corresponding to a specific screen, scene, or real estate property.
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Specification