SYSTEMS AND METHODS FOR MESSAGING, CALLING, DIGITAL MULTIMEDIA CAPTURE AND PAYMENT TRANSACTIONS

• US 20140349692A1
• Filed: 08/13/2014
• Published: 11/27/2014
• Est. Priority Date: 07/18/2011
• Status: Active Grant

• Current Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Original Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Inventors: Zhou, Andrew H B, Zhou, Tiger T G, Zhou, Dylan T X
• Granted Patent: US 9,098,190 B2
• Time in Patent Office: Days
• US Class Current: 455/466
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 12/146 using digital cash
• CPC Class Codes: H04M 1/2755 by optical scanning
• CPC Class Codes: H04M 1/724 User interfaces specially adapted for cordless or mobile telephones
• CPC Class Codes: H04M 1/72439 for image or video messaging
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/301 Code input or reading
• CPC Class Codes: H04M 17/304 : Optical code recognition [OCR], e.g. bar code reader
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 12/33 : using wearable devices, e.g. using a smartwatch or smart-glasses
• CPC Class Codes: H04W 12/63 : Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/77 : Graphical identity

Abstract

Provided are computer implemented methods and systems for multimedia capture and payment transactions. According to the method, a first user input may be received. Based on the first user input, sensors may be initiated to capture multimedia. The method may further comprise receiving a second user input. Data associated with the first user input and the second user input may be analyzed. Based on the analysis, a multimedia capture mode or a payment transaction mode may be selectively selected. If the multimedia capture mode is selected, the captured multimedia may be recorded to a database. A type of the multimedia being recorded may be determined based on time between the first user input and the second user input. If the payment transaction mode is selected, transaction data may be received. Based on the transaction data, user payment data, and recipient payment data, a payment transaction may be performed.

Claims

1. A computer implemented method for multimedia capture and payment transactions for mobile and wearable devices, the method comprising:

receiving, by one or more processors, a first user input;

based on the first user input, initiating one or more sensors to capture multimedia to obtain captured multimedia;

receiving, by the one or more processors, a second user input;

analyzing, by the one or more processors, data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input;

based on the analysis, selectively selecting, by the one or more processors, a multimedia capture mode or a payment transaction mode;

if the multimedia capture mode is selected, recording, by the one or more processors, the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input;

if the payment transaction mode is selected, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

wherein the mobile or wearable devices include a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device.

2. The method of claim 1, wherein the first user input includes touch engagement of the user with a display of a mobile and wearable device;

and

wherein the second user input includes touch release of the user from a display of the mobile and wearable devices.

3. The method of claim 1, wherein the type of the multimedia includes one or more of a text, a video, an image, an audio, and an animation.

4. The method of claim 1, wherein the captured multimedia includes a video;

wherein the text is recorded from the captured multimedia based on one or more of text recognition and speech recognition;

wherein the image is recorded from the captured multimedia by selecting a frame in the captured multimedia; and

wherein the audio is recorded from the captured multimedia by selecting audio content in the captured multimedia;

wherein the animation is recorded from the captured multimedia by selecting two or more frames in the captured multimedia and cycling the selected two or more frames.

5. The method of claim 1, wherein the recipient payment data includes one or more of recipient bank account data, recipient debit card data, recipient credit card data, a recipient phone number, and recipient virtual currency wallet data, the recipient payment data being encrypted by assigning a unique key, the unique key being sent to an encryption verification unit having a key storage.

6. The method of claim 1, wherein the payment transaction includes transferring a payment from a payment account associated with the user to a payment account associated with a recipient.

7. The method of claim 1, wherein the payment transaction is performed in a digital currency, the digital currency being customized according to personal data of the user or personal data of the recipient.

8. The method of claim 1, further comprising sending the recorded multimedia to the recipient, the recorded multimedia being converted into Encrypted Trusted Data Format (ETDF).

9. The method of claim 1, further comprising stopping the one or more sensors upon receiving the second user input.

10. The method of claim 1, wherein the payment transaction is selected from one or more of:

a face-to-face barcode scanning payment transaction, a short distance Bluetooth payment transaction, and a remote long distance Internet payment transaction, the payment transaction being based on one or more of the following;

based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, a credit card mobile payment, an online wallet, a Quick Response (QR) code payment, contactless near field communication, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy (BLE), signal beacon payment, an in-application payment, a social networking payment, a trade token payment, a merchant token payment, a currency token payment, and a direct carrier and bank co-operation.

11. A system for multimedia capture and payment transactions for mobile and wearable devices, the system comprising:

one or more processors operable to;

receive a first user input;

based on the first user input, initiate one or more sensors to capture multimedia to obtain captured multimedia, wherein the multimedia includes one or more of a text, a video, an image, an audio, an animation, and a geographical location;

receive a second user input;

analyze data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input;

based on the analysis, selectively select a multimedia capture mode or a payment transaction mode;

if the multimedia capture mode is selected, record the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input;

if the payment transaction mode is selected, receive transaction data, wherein the transaction data comprise at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, perform a payment transaction, wherein the user payment data and the recipient payment data are stored in the database; and

a database comprising computer-readable instructions for execution by the one or more processors.

12. The system of claim 11, wherein the user and the recipient are registered in the system for multimedia capture and payment transactions, the system for multimedia capture and payment transactions being a proprietary, cross-platform instant messaging subscription service built on an open Message Queue Telemetry Transport (MQTT) protocol for mobile and wearable devices and uses for communication one or more of the following:

Internet and Bluetooth.

13. The system of claim 11, wherein the user provides the user payment data upon registration, and the recipient provides the recipient payment data upon registration, wherein access to the system is controlled by one or more of the following:

a password, a Personal Identification Number (PIN) code, and biometric authorization, the biometric authorization including fingerprint scanning, palm scanning, face scanning, and retina scanning, wherein the scanning is performed using the one or more biometric sensors, the device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein the access to the system is granted based on the matching.

14. The system of claim 11, wherein the recipient is selected from one or more of a contact list, a list of recent calls, a list of recent transactions.

15. A computer implemented method for using a messaging, calling, and payment system for mobile and wearable devices, the method comprising:

receiving, by one or more processors, transaction data from a user, wherein the transaction data includes at least a payment amount and a recipient;

generating, by the one or more processors, a transaction request based on the transaction data, user financial data, and recipient financial data, wherein the user financial data and the recipient financial data are stored in a database;

providing, by the one or more processors, the transaction request to the recipient via a display of a mobile or wearable device related to the recipient;

receiving, by the one or more processors, from the recipient, a response to the transaction request, wherein the response includes a transaction confirmation and a transaction cancellation; and

based on the response, selectively performing a transaction associated with the transaction request.

16. The method of claim 15, further comprising:

transferring multimedia data between the user and the recipient, wherein the multimedia data includes one or more of a text, a video, an image, an audio, an animation, and a geographical location.

17. The method of claim 15, wherein the transaction request is provided to the recipient in a truncated state to protect the user financial data and the recipient financial data, the transaction request in the truncated state including the payment amount and a user identifier.

18. The method of claim 15, wherein the user financial data includes user banking account data, user credit card data, user debit card data, and user virtual currency wallet data, and wherein the recipient financial data includes recipient banking account data, recipient credit card data, recipient debit card data, and recipient virtual currency wallet data.

19. The method of claim 15, further comprising:

receiving the user financial data from the user, the user financial data being stored in the database; and

receiving the recipient financial data from the recipient, the recipient financial data being stored in the database.

20. A messaging, calling, and payment system for mobile and wearable devices, the system comprising:

one or more processors operable to;

receive transaction data from a user, wherein the transaction data includes at least a payment amount and a recipient;

generate a transaction request based on the transaction data, user financial data, and recipient financial data, wherein the user financial data and the recipient financial data are stored in a database;

provide the transaction request to the recipient via a display of a mobile or wearable device related to the recipient;

receive, from the recipient, a response to the transaction request, wherein the response includes a transaction confirmation and a transaction cancellation;

based on the response, selectively perform a transaction associated with the transaction request; and

the database comprising computer-readable instructions for execution by the one or more processors.

21. The system of claim 20, wherein the user and the recipient are registered in the messaging, calling, and payment system, wherein the user provides the user financial data and a user identifier upon registration, and the recipient provides the recipient financial data and a recipient identifier upon registration, the messaging, calling, and payment system being configured to act as one or more of a smart card, a proximity card, an IC card, a magnetic strip card, and an electronic payment card, the electronic payment card storing card data of one or more debit cards, credit cards, gift cards, loyalty cards, prepaid cards, membership cards, merchant cards, EMV cards, other smart and IC cards.

22. The system of claim 20, wherein the one or more processors are operable to do one or more of the following:

control home appliances and applications through gestures;

recognize gesturing of letters in the mid air as a text;

settle payment of bills in one action by making a single gesture;

detect incoming payments transmissions and alerts through built-in vibration and light-emitting diodes;

use Global Positioning System, iBeacon, or a Bluetooth low energy beacon to make payments at retail stores, restaurants, and make person-to-person payments;

make direct payment by tracking a number with a finger;

make payments between the mobile and wearable devices;

make payments by gesturing a checkmark;

provide hold-to-talk voice messaging, broadcast (one-to-many) messaging, sharing of photographs, videos, and location;

exchange contacts with one or more further users via Bluetooth; and

providing features for contacting people at random, integration with social networking services, machine translation, and embellishing photographs with filters and captions.

23. The system of claim 20, wherein the processor is further configured to:

generate a barcode associated with the recipient identifier;

provide the barcode to the recipient;

receive the barcode from the user, wherein the user scans the barcode from a display of a mobile or wearable device of the receiver;

read the barcode; and

identify the recipient based on the reading, wherein the recipient identifier is provided to the user.

24. The system of claim 20, wherein the processor is further configured to:

receive authorization information from the user and the recipient, and

provide access to the system to the user and the recipient.

25. The system of claim 20, wherein the processor is further configured to transfer multimedia data between the user and the recipient, wherein the multimedia data includes one or more of a text, a video, an image, an audio, an animation, and a geographical location.

26. The system of claim 20, wherein the system is compatible with one or more of the following network standards:

GSM, CDMA, LTE, IMS, Universal Mobile Telecommunication System (UMTS), RFID, 4G, 5G, 6G, 7G, 8G, 9G and upper, the system further comprising an operating system executing on the processor, the operating system including Android, iOS, Firefox OS, window system, wearable OS, and other operating systems, the system being a proprietary, cross-platform instant messaging subscription service for smartphones and selected feature phones that uses Internet for communication, wherein the system is built on an open MQTT protocol, provides multimedia communication and payment services and has integrated web-based chat feature.

27. The system of claim 20, wherein the transaction request is provided to the recipient in a truncated state to protect the user financial data and the recipient financial data, the transaction request in the truncated state including the payment amount and a user identifier.

28. The system of claim 20, wherein the transaction is performed in a virtual currency, or a currency token, or a trade token, the virtual currency or the currency token, or the trade token being customized according to personal data of the user or the recipient.

29. The system of claim 20 further comprising:

a camera configured to provide video calls and to capture one or more barcodes, the one or more barcodes including electronic key data, a link to a web-resource, a payment request, advertising information, and other information, wherein one or more barcodes include a linear dimensional code, a two-dimensional code, a three -dimensional code, a snap tag code, a Quick Response (QR) code, and other machine readable code; and

a microphone to provide audio calls, wherein the audio calls within the system are free of charge, the system being a hybrid peer-to-peer and client-server system.

30. The system of claim 20, wherein the user is a retailer, wherein the system is associated with one or more of an application programming interface (API) and a software development kit (SDK), and wherein mobile and wearable devices are adapted to be scanned by a Point-of-Sale (POS) system.