SYSTEMS AND METHODS FOR PROVIDING COMPENSATION, REBATE, CASHBACK, AND REWARD FOR USING MOBILE AND WEARABLE PAYMENT SERVICES, DIGITAL CURRENCY, NFC TOUCH PAYMENTS, MOBILE DIGITAL CARD BARCODE PAYMENTS, AND MULTIMEDIA HAPTIC CAPTURE BUYING

• US 20170221087A1
• Filed: 04/11/2017
• Published: 08/03/2017
• Est. Priority Date: 10/01/2002
• Status: Abandoned Application

• Current Assignee: Tiger T.G. Zhou, Zhou Tian Xing
• Original Assignee: Tiger T.G. Zhou, Zhou Tian Xing
• Inventors: Xing, Zhou Tian, Zhou, Tiger T. G.
• Application Number:
  US15/484,177
• Publication Number:
  US 20170221087A1
• Time in Patent Office: Days
• CPC Class Codes: G06K 19/06112 the marking being simulated using a light source, e.g. a barcode shown on a display or a laser beam with time-varying intensity profile
• CPC Class Codes: G06K 7/1095 the scanner comprising adaptations for scanning a record carrier that is displayed on a display-screen or the like
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0208 Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 : Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 : Shopping interfaces

Abstract

Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts.

Claims

1. A computer-implemented method for facilitating mobile device payments using unique codes and providing compensation for using a mobile payment service, the method comprising:

purchasing, for a price, using the mobile payment service, a mobile device or a wearable device operable to use the mobile payment service;

receiving, by a processor of the mobile payment service, payment information associated with the purchase of the mobile device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile device, wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;

providing a customer payment information via a user interface of a customer mobile device;

receiving a unique code, the unique code encoding the customer payment information;

reading a product barcode using the customer mobile device;

displaying the unique code on a screen of the customer mobile device, the unique code being scannable by a payment receiver mobile device;

transferring a payment amount for one or more products; and

selectively receiving a predetermined amount of cashback based on predetermined criteria.

2. The computer-implemented method of claim 1, wherein the unique code encoding the customer payment information includes one or more of the following:

a unique QR code, a linier code, and a two-dimensional code.

3. The computer-implemented method of claim 1, further comprising receiving one or more of the following:

a discount and a gift card.

4. The computer-implemented method of claim 1, wherein the customer payment information includes one or more of the following:

a credit card, a debit card, and a bank checking account.

5. The computer-implemented method of claim 4, wherein one or more users link directly to the bank checking account and receive one or more of the following:

a credit and the predetermined amount of cashback.

6. The computer-implemented method of claim 1, wherein the user sets up a password for the unique code encoding the customer payment information.

7. The computer-implemented method of claim 1, wherein the predetermined amount of cashback includes an aggregated cashback received by one or more users.

8. The computer-implemented method of claim 1, wherein the predetermined amount of cashback includes a split cashback received by a group of users.

9. The computer-implemented method of claim 1, wherein the predetermined amount of cashback includes an amount of interchange and processing fees saved.

10. The computer-implemented method of claim 1, wherein one or more users participate in an affiliate marketing or loyalty program and receive one or more of the following:

a discount and the predetermined amount of cashback.

11. The computer-implemented method of claim 1, further comprising providing one or more users with a reward for spending a predetermined amount of money for a purchase.

12. The computer-implemented method of claim 1 further comprising receiving the unique code from a code issuer.

13. The computer-implemented method of claim 12, wherein the user transfers payment directly to the code issuer.

14. The computer-implemented method of claim 12, wherein the unique code includes all financial information of the code issuer.

15. The computer-implemented method of claim 1, wherein the payment amount for one or more products is transferred from a mobile device of another user, the mobile device of another user having the same application installed.

16. The computer-implemented method of claim 1, wherein one or more users receive a free mobile device for opening a mobile payment account via a mobile device of a dealer cooperating with a mobile payment service provider.

17. The computer-implemented method of claim 16, wherein the mobile payment service provider charges a percentage on the dealer and the one or more users of a mobile payment service.

18. The computer-implemented method of claim 1 further comprising receiving an email with detailed information of cashback and discount.

19. The computer-implemented method of claim 1, further comprising receiving digital mobile money for cash provided by a customer.

20. The computer-implemented method of claim 19, wherein the digital mobile money is the customer payment information encoded in a code, the code being scannable by a merchant scanning device.

21. A computer-implemented system for facilitating mobile device payments using unique codes and providing compensation for using a mobile payment service, the system comprising a processor configured to:

facilitate purchasing, for a price, using the mobile payment service, a mobile device or a wearable device operable to use the mobile payment service;

receive payment information associated with the purchase of the mobile device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile device, wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;

provide a customer payment information via a user interface of a customer mobile device;

receive a unique code, the unique code encoding the customer payment information;

read a product barcode using the customer mobile device;

display the unique code on a screen of the customer mobile device, the unique code being scannable by a payment receiver mobile device;

transfer a payment amount for one or more products; and

selectively receive a predetermined amount of cashback based on predetermined criteria.

22. The computer-implemented system of claim 21, wherein the unique code encoding the customer payment information includes one or more of the following:

a unique QR code, a linier code, and a two-dimensional code.

23. The computer-implemented system of claim 21, wherein the customer payment information includes one or more of the following:

a credit card, a debit card, and a bank checking account.

24. The computer-implemented system of claim 23, wherein one or more users link directly to the bank checking account and receive one or more of the following:

a credit and the predetermined amount of cashback.

25. The computer-implemented system of claim 21, wherein the user sets up a password for the unique code encoding the customer payment information.

26. The computer-implemented system of claim 21, wherein the predetermined amount of cashback includes an aggregated cashback received by one or more users.

27. The computer-implemented system of claim 21, wherein the predetermined amount of cashback includes a split cashback received by a group of users.

28. The computer-implemented system of claim 21, wherein the predetermined amount of cashback includes an amount of interchange and processing fees saved.

29. The computer-implemented system of claim 21, wherein one or more users participate in an affiliate marketing or loyalty program and receive one or more of the following:

a discount and the predetermined amount of cashback.

30. The computer-implemented system of claim 21, further comprising providing one or more users with a reward for spending a predetermined amount of money for a purchase.

31. The computer-implemented system of claim 21 further comprising receiving the unique code from a code issuer.

32. The computer-implemented system of claim 31, wherein the user transfers payment directly to the code issuer.

33. The computer-implemented system of claim 31, wherein the unique code includes all financial information of the code issuer.

34. The computer-implemented system of claim 21, wherein the payment amount for one or more products is transferred from a mobile device of another user, the mobile device of another user having the same application installed.

35. The computer-implemented system of claim 21, wherein one or more users receive a free mobile device for opening a mobile payment account via a mobile device of a dealer cooperating with a mobile payment service provider.

36. The computer-implemented system of claim 35, wherein the mobile payment service provider charges a percentage on the dealer and the one or more users of a mobile payment service.

37. The computer-implemented system of claim 21, wherein the processor is further configured to receive an email with detailed information of cashback and discount.

38. The computer-implemented system of claim 21, wherein the processor is further configured to receive digital mobile money for cash provided by a customer.

39. The computer-implemented system of claim 38, wherein the digital mobile money is the customer payment information encoded in a code, the code being scannable by a merchant scanning device.

40. A payment processing system for facilitating mobile device payments using unique codes and providing compensation for using a mobile payment service, the system comprising:

a receiving module for receiving a unique code displayed on a customer mobile device;

a processing module for;

facilitating purchasing, for a price, using the mobile payment service, a mobile device or a wearable device operable to use the mobile payment service;

receiving payment information associated with the purchase of the mobile device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile device, wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;

retrieving customer payment information from the unique code;

an analyzing module for determining availability of funds based on the customer payment information;

a database for storing one or more customer records;

a retrieving module for retrieving the one or more customer records from the database;

a sending module for sending email receipts with detailed information on cashback and discount; and

a payment module for receiving a payment amount from a customer account and selectively providing a predetermined amount of cashback based on predetermined criteria;

41. The payment processing system of claim 40, wherein the customer records include customer payment information and cashback information.

42. The payment processing system of claim 41, wherein the customer records are displayed on a screen of a payment receiver mobile device.

43. The payment system of claim 40, wherein the customer account is automatically updated based on a payment amount transferred.