ONE-TOUCH PAYMENT USING HAPTIC CONTROL VIA A MESSAGING AND CALLING MULTIMEDIA SYSTEM ON MOBILE DEVICE AND WEARABLE DEVICE, CURRENCY TOKEN INTERFACE, POINT OF SALE DEVICE, AND ELECTRONIC PAYMENT CARD

• US 20150088757A1
• Filed: 11/27/2014
• Published: 03/26/2015
• 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, Tiger T G, Zhou, Dylan T X, Zhou, Andrew H B
• Granted Patent: US 8,985,442 B1
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06F 2203/014 Force feedback applied to GUI
• CPC Class Codes: G06F 3/016 Input arrangements with force or tactile feedback as computer generated output to the user
• 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 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0209 Incentive being awarded or redeemed in connection with the playing of a video game
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: H04W 88/06 adapted for operation in multiple networks or having at least two operational modes, e.g. multi-mode terminals

Abstract

Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide an integrated interface for selection of an activity mode. The activity mode includes a messaging mode, a calling mode, and a one-touch payment mode. The processor is further configured to receive the selection of the activity mode via the integrated interface from a user. If the messaging mode is selected, a message from the user is received and sent to a recipient via a data network. If the calling mode is selected, a data network call is initiated on a call request of the user. If the one-touch payment mode is selected, a payment request is transmitted to a financial organization.

Claims

1. A method for messaging, calling, and one-touch payments via a mobile and wearable device, the method comprising:

providing, by a processor of the mobile and wearable device, an integrated interface for selection of an activity mode, wherein the activity mode includes a messaging mode, a calling mode, and a one-touch payment mode;

receiving, by the processor, the selection of the activity mode via the integrated interface from a user;

if the messaging mode is selected, receiving, by the processor, a message from the user, the message being sent to a recipient via a data network;

if the calling mode is selected, initiating, by the processor, a data network call on a call request of the user;

if the one-touch payment mode is selected, transmitting a payment request to a financial organization, wherein the payment request is generated using data of an actual page on the mobile and wearable device;

encrypting, by the processor, the payment request associated with the one-touch payment mode to obtain an encrypted payment request, wherein the encrypted payment request is decryptable by an ephemeral messaging, one-touch payment, and multimedia application associated with a mobile and wearable device of the recipient, the encrypted payment request being removed from the mobile and wearable device of the recipient after being read;

wherein the ephemeral messaging, one-touch payment, and multimedia application is associated with an application protocol, the application protocol being integrated into a communication platform; and

receiving, by the processor, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via a mobile payment application associated with the mobile and wearable device, the mobile payment application providing at least a free Voice over Internet Protocol (VoIP) service and a free Over-the-Top (OTT) service;

wherein the mobile and wearable device comprises a band adapted to secure the mobile and wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile and wearable device under, within or on clothing, wherein the band includes a rechargeable battery configured to power the mobile and wearable device.

2. The method of claim 1, wherein the integrated interface is integrated with at least one mobile application associated with the mobile and wearable device.

3. The method of claim 1, wherein the message includes a text, an audio, a video, and geographical data.

4. The method of claim 1, wherein the data network call is performed via a VoIP service.

5. The method of claim 4, wherein the VoIP service is provided via Wi-Fi, 3G network, 4G network, 5G network, 6G network or upper.

6. The method of claim 1, wherein the call includes an audio call, a video call, and a holographic video call.

7. The method of claim 1, further comprising:

initiating, by the processor, on a request from the user, the integrated interface.

8. The method of claim 1, wherein the receiving of the selection of the activity mode includes a voice command, a haptic interaction with a touchscreen of the mobile and wearable device, and a move command, wherein the mobile and wearable device comprises one or more haptic control elements to control operation or functions of the mobile and wearable device, and wherein access to the mobile and wearable device is controlled by one or more of the following:

a password, a Personal Identification Number 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, wherein the one or more biometric sensors include sensors for sensing a command for the one-touch payment mode, the sensing shown on the display, the mobile and wearable device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein access to the mobile and wearable personal digital is granted based on the matching;

wherein the mobile and wearable device further comprises a camera configured to capture one or more codes, the one or more codes including electronic key data, a link to a web-resource, a payment request, and advertising information, wherein the one or more codes include barcode, a linear dimensional code, a two-dimensional code, a snap tag code, and a QR code;

wherein the mobile and wearable device is operable to obtain information about a payment system of the user, wherein the mobile and wearable device is operable to generate and display a barcode that encodes user payment information, the barcode being scanned at a checkout counter and processed to retrieve the user payment information from a database of a payment processing system, the user payment information being used to transfer funds between the user and a merchant;

wherein the mobile and wearable device is associated with an electronic payment card configured to act as one or more of a smart card, a proximity card, an integrated circuit 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, bank cards, identity cards, and membership cards, wherein the electronic payment card is configured to attach to the mobile and wearable device;

wherein the method further comprises scanning the code, the code being present on a one-touch QR code invoice, the one-touch QR code invoice storing one or more of invoice data, monetary amount summary, product data, service data, merchant data, invoice number, and amount to be paid, the one-touch QR code invoice being associated with one or more of an invoice, a credit note, a debit note, a pro forma invoice, and an advance invoice;

wherein one-touch payment information is stored in the mobile and wearable device associated with the user, wherein the user activates the one-touch payment mode by holding the mobile and wearable device near a contactless reader and activating a one-touch payment icon on the mobile and wearable device.

9. The method of claim 1, wherein the payment request includes a payment recipient, a payment amount, and user financial information associated with the user, wherein the payment recipient and the payment amount are received from the at least one mobile application, and the user financial information is stored on the mobile and wearable device.

10. The method of claim 9, wherein the user financial information includes one or more of the following:

bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile currency information, and digital money.

11. The method of claim 1, wherein the one-touch payment mode is used for internet payments, wherein the one-touch payment mode is integrated with one or more of text messaging, hold-to-talk voice messaging, broadcast messaging, sharing of photographs and videos, and location sharing, wherein the one-touch payment mode is associated with exchanging contacts and payments with users nearby via Bluetooth, providing contacting the users at random one-touch payments, and wherein the one-touch payment mode is associated with social networking services, wherein the one-touch payment mode has a common interface with a proprietary, cross-platform instant messaging subscription service for mobile and wearable devices;

wherein the one-touch payment mode is integrated with a telecommunications application software, the telecommunications application software specializing in providing a video chat, a voice call, and a conference call from mobile and wearable devices;

wherein the one-touch payment mode is compatible with one or more operating systems, wherein the one or more operating systems include Microsoft Windows, Mac, Linux, Android, Blackberry, iOS, and Windows Phone;

wherein a one-touch payment service associated with the one-touch payment mode is free, wherein the one-touch payment mode includes a freemium mode.

12. The method of claim 1, wherein the mobile and wearable device is configured to act as one or more of the following:

a mechanical hybrid smart watch, a smart watch, a digital computing glasses, a digital bracelet, a mobile internet device, a mobile web device, a smartphone, a tablet computer, a wearable computer, a calculator watch, a smartwatch, a head-mounted display, a personal digital assistant, a enterprise digital assistant, a calculator, a handheld game console, a portable media player, an ultra-mobile personal computer, a digital still camera, a digital video camera, a mobile phone, a feature phone, a pager, and a personal navigation device.

13. The method of claim 1, wherein the one-touch payment mode is associated with providing the user with an option to make online purchases and offline purchases using a single touch, wherein the user uses a predefined address and a predefined financial information.

14. A messaging, calling, and one-touch payment system comprising:

a processor configured to;

provide an integrated interface for selection of an activity mode, wherein the activity mode includes a messaging mode, a calling mode, and a one-touch payment mode;

receive the selection of the activity mode via the integrated interface from a user;

if the messaging mode is selected, receive a message from the user, the message being sent to a recipient via a data network; and

if the calling mode is selected, initiate a data network call on a call request of the user; and

if the one-touch payment mode is selected, transmit a payment request to a financial organization, wherein the payment request is generated using data of an actual page on the mobile and wearable device; and

encrypt the payment request associated with the one-touch payment mode to obtain an encrypted payment request, wherein the encrypted payment request is decryptable by an ephemeral messaging, one-touch payment, and multimedia application associated with a mobile and wearable device of the recipient, the encrypted payment request being removed from the mobile and wearable device of the recipient after being read;

wherein the ephemeral messaging, one-touch payment, and multimedia application is associated with an application protocol, the application protocol being integrated into a communication platform; and

receive, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via a mobile payment application associated with the mobile and wearable device, the mobile payment application providing at least a free VoIP service and a free Over-the-Top (OTT) service;

wherein the mobile and wearable device comprises a band adapted to secure the mobile and wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile and wearable device under, within or on clothing, wherein the band includes a rechargeable battery configured to power the mobile and wearable device; and

a database in communication with the processor, the database configured to store at least user financial information.

15. The system of claim 14, wherein the system is associated with one or more of a transactional payment based on Unstructured Supplementary Service Data, Short Message Service, direct operator billing, a credit card mobile payment, an online wallet, a QR code payment, contactless near field communication payment, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy signal beacon payment, an in-application payment, a software development kit (SDK) payment, an application programming interface (API) payment, a social networking payment, and a direct carrier and bank co-operation. wherein the system is compatible with a third party application, wherein the system is associated with one or more of an API and an SDK, wherein the system is further associated with a fingerprint touch recognition payment, a fingerprint press recognition payment, a gesture mark payment, a voice command payment, and a eye blink payment, a fingerprint swipe recognition payment, and a nod payment.

16. The system of claim 14, wherein the message includes a text, an audio, a video, and geographical data, wherein the message is sent to a controlled list of recipients, wherein the user sets a time limit for the recipient to view the message, wherein after the time limit the message is deleted from a mobile and wearable device associated with the recipient.

17. The system of claim 14, wherein the data network call is performed via a VoIP service.

18. The system of claim 14, wherein the VoIP service is provided via Wi-Fi, 3G network, 4G network, 5G network, 6G network or upper.

19. The system of claim 14, wherein the call includes an audio call, a video call, and a holographic video call.

20. The system of claim 14, wherein the receiving of the selection of the activity mode includes a voice command, a haptic interaction with a touchscreen, and a move command.

21. The system of claim 14, wherein the payment request includes a payment recipient, a payment amount, and user financial information associated with the user, wherein the payment recipient and the payment amount are received from the at least one mobile application, and the user financial information is stored on the mobile and wearable device

22. The system of claim 14, wherein the one-touch payment is secured by two-factor authentication.

23. The system of claim 14, wherein the processor is further configured to, on receiving a signal by near field communication, perform a payment using the user financial information, wherein the payment is performed on condition of an approval of the user.

24. The system of claim 14, wherein the processor is further configured to receive a Bluetooth Low Energy (BLE) signal, the BLE signal being sensed by the mobile and wearable device of the user, the user being authenticated via the BLE signal.

25. The system of claim 14, wherein the processor is further configured to initiate on a request from the user, the integrated interface, wherein the integrated interface is initiated based on authorization verification.

26. The system of claim 14, wherein the user provides a password, a security code, or biometric information for authorization verification.

27. The system of claim 14, wherein the payment request is associated with a virtual currency.

28. The system of claim 27, wherein the virtual currency is customized according to personal data of the user.

29. The system of claim 27, wherein the user provides the user payment data during registration.

30. A non-transitory computer-readable medium comprising instructions, which when executed by one or more processors, perform the following operations:

provide an integrated interface for selection of an activity mode, wherein the activity mode includes a messaging mode, a calling mode, and a one-touch payment mode;

receive the selection of the activity mode via the integrated interface from a user;

if the messaging mode is selected, receive a message from the user, the message being sent to a recipient via a data network; and

if the calling mode is selected, initiate a data network call on a call request of the user; and

if the one-touch payment mode is selected, transmit a payment request to a financial organization, wherein the payment request is generated using data of an actual page on the mobile and wearable device;

encrypt the payment request associated with the one-touch payment mode to obtain an encrypted payment request, wherein the encrypted payment request is decryptable by an ephemeral messaging, one-touch payment, and multimedia application associated with a mobile and wearable device of the recipient, the encrypted payment request being removed from the mobile and wearable device of the recipient after being read;

wherein the ephemeral messaging, one-touch payment, and multimedia application is associated with an application protocol, the application protocol being integrated into a communication platform; and

receive, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via a mobile payment application associated with the mobile and wearable device, the mobile payment application providing at least a free Voice over Internet Protocol (VoIP) service and a free Over-the-Top (OTT) service;

wherein the mobile and wearable device comprises a band adapted to secure the mobile and wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile and wearable device under, within or on clothing, wherein the band includes a rechargeable battery configured to power the mobile and wearable device.