Online purchase from a mobile device using a default payment method
First Claim
1. A method, comprising:
- maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform 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;
receiving input from a user at the mobile device to purchase an item selected at the mobile device;
sending a request for a digital artifact for display within a specific payment application generated screen to a management server, the payment application screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and promotions and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user;
receiving the digital artifact from the management server;
displaying the digital artifact within the specific payment application generated screen, wherein the payment application screen corresponds to a specific screen, scene, or real estate property;
wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and
receiving response information at the mobile device from the management server.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
-
Citations
20 Claims
-
1. A method, comprising:
-
maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform 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; receiving input from a user at the mobile device to purchase an item selected at the mobile device; sending a request for a digital artifact for display within a specific payment application generated screen to a management server, the payment application screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and promotions and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user; receiving the digital artifact from the management server; displaying the digital artifact within the specific payment application generated screen, wherein the payment application screen corresponds to a specific screen, scene, or real estate property; wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and receiving response information at the mobile device from the management server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
-
-
11. A mobile device, comprising:
-
a mobile device memory included in the mobile device, the mobile device memory configured to maintain payment account information by using a payment application, wherein the payment application is not browser based and is a mobile operating system platform based mobile application preinstalled or downloaded and installed on the mobile device; a mobile device wireless fidelity (Wi-Fi) interface; a mobile device processor configured to receive a digital artifact from a management server; a mobile device input interface configured to receive input from a user to purchase an item selected at the mobile device; a mobile device output interface configured to send a request for a digital artifact for display within a specific payment application generated screen to a management server, the payment application screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and promotions and selects the digital artifact based on correlating two or more targeting parameters from personal information and transaction history for the user, wherein the digital artifact is received from the management server; a mobile device display configured to present the digital artifact within the specific payment application generated screen, wherein the payment application screen is a specific screen, scene, or real estate property; and a mobile device radio transceiver configured to wirelessly transmit authentication information to the management server, the management server configured to process a transaction using a default payment method, wherein response information is received at the mobile device from the management server. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
Specification