REMOTE TRANSACTION PROCESSING AT A SERVER BASED ON USER CONFIRATION AND MULTIPLE PAYMENT METHOD
First Claim
Patent Images
1. A method, comprising:
- receiving a transaction confirmation using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user, the transaction confirmation received at a management server from a mobile payment application used to initiate a transaction to purchase an item selected at a mobile device,wherein the payment application maintains payment account information in a mobile device memory and is a 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;
processing the transaction using the payment method from the plurality of payment methods including the default payment method corresponding to the user and the user selected payment method corresponding to the user based on the transaction confirmation received at the payment application running on the mobile device from the user and further wherein targeting parameters are updated at the management server in response to the transaction;
selecting a digital artifact based on one or more targeting parameters;
sending the digital artifact to the mobile application for display within a specific payment application generated screen wherein the specific payment application generated screen corresponds to a specific screen or .area of the payment application.
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Abstract
A method and system for conducting an online payment transaction through a mobile device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; processing the transaction, and sending a digital artifact to the mobile device.
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Citations
20 Claims
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1. A method, comprising:
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receiving a transaction confirmation using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user, the transaction confirmation received at a management server from a mobile payment application used to initiate a transaction to purchase an item selected at a mobile device, wherein the payment application maintains payment account information in a mobile device memory and is a 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; processing the transaction using the payment method from the plurality of payment methods including the default payment method corresponding to the user and the user selected payment method corresponding to the user based on the transaction confirmation received at the payment application running on the mobile device from the user and further wherein targeting parameters are updated at the management server in response to the transaction; selecting a digital artifact based on one or more targeting parameters; sending the digital artifact to the mobile application for display within a specific payment application generated screen wherein the specific payment application generated screen corresponds to a specific screen or .area of the payment application. - 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 transaction confirmation using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user, the transaction confirmation received at a management server from a payment application used to initiate a transaction to purchase an item selected at a mobile device wherein the payment application maintains payment account information in a mobile device memory and is a 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; a management server processor configured to process the transaction using the payment method from the plurality of payment methods including the default payment method corresponding to the user and the user selected payment method corresponding to the user and further wherein targeting parameters are updated at the management server in response to the transaction; and a management server processor configured to select a digital artifact based on one or more targeting parameters generated at the management server; and a management server transceiver configured to send the digital artifact for display within a specific payment application generated screen, wherein the specific payment application generated screen corresponds to a specific screen or .area of the payment application. - 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 for receiving a transaction confirmation using a payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to a user, the transaction confirmation received at a management server from a payment application used to initiate a transaction to purchase an item selected at a mobile device, wherein the payment application maintains payment account information in a mobile device memory and is a 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 processing the transaction using the payment method from a plurality of payment methods including a default payment method corresponding to the user and a user selected payment method corresponding to the user and further wherein targeting parameters are updated at the management server in response to the transaction; computer code for selecting the digital artifact based on one or more targeting parameters generated at the management server; and computer code for sending the digital artifact for display within a specific payment application generated screen wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.
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Specification