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FINANCIAL TRANSACTION PROCESSING WITH DIGITAL ARTIFACTS AND A DEFAULT PAYMENT METHOD USING A POS

  • US 20140229276A1
  • Filed: 02/24/2014
  • Published: 08/14/2014
  • Est. Priority Date: 11/30/2007
  • Status: Active Grant
First Claim
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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.

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