Financial transaction processing with digital artifacts using a mobile communications device

• US 8,688,526 B2
• Filed: 12/07/2012
• Issued: 04/01/2014
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/708,098
• Publication Number:
  US 20130103466A1
• Time in Patent Office: 480 Days
• Field of Search: 705/1.1, 705/16, 705/39, 705/77, 705/41, 705/40, 705/45, 705/70, 705/17, 705/44, 705/38, 705/18, 705/30, 455/41.1, 455/410, 455/550, 725/9, 725/23, 725/34, 725/35
• US Class Current: 705/16
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

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.

Claims

1. A method comprising:

maintaining payment account information, payment account identifiers associated with the payment account information, and an identification code by using a mobile operating system platform non browser based payment application in a mobile device memory included in a mobile device, wherein the payment application is a 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 (WiFi) interface;

receiving input from a user selecting a payment account identifier;

receiving input from the user at the mobile device to initiate a transaction to purchase an item;

wirelessly transmitting the selected payment account identifier stored in the mobile device memory to a point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the selected payment account identifier to the point of sale terminal, the point of sale terminal connected to a management server;

sending a request from the payment application for a digital artifact to the management server for display within a specific payment application generated screen, wherein the digital artifact is selected based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user;

receiving the digital artifact at the payment application from the management server which processes the transaction using the selected payment account identifier associated with the payment account information; and

displaying the digital artifact received from the management server within the specific payment application generated screen.

2. The method of claim 1, wherein the first wireless communication channel is associated with a contactless wireless protocol.

3. The method of claim 1, wherein the second wireless communication channel is associated with a cellular radio communication channel.

4. The method of claim 1, wherein targeting parameters includes personal information and/or transaction history.

5. The method of claim 4, wherein personal information comprises location, gender, age, interest, affiliation , userid, pageid, zip code, area code, and occupation.

6. The method of claim 4, wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, and tickets.

7. The method of claim 1, wherein the digital artifact is received using the second wireless communication channel.

8. The method of claim 7, wherein the digital artifact is a coupon.

9. The method of claim 7, wherein the digital artifact is a ticket.

10. The method of claim 7, wherein the digital artifact is a receipt.

11. The method of claim 7, wherein the digital artifact is a promotion.

12. The method of claim 7, wherein the digital artifact is content.

13. The method of claim 7, wherein the digital artifact is an advertisement.

14. A mobile device comprising:

a mobile device memory configured to maintain payment account information, payment account identifiers associated with the payment account information, and an identification code by using a mobile operating system platform non browser based payment application, wherein the payment application is a mobile application preinstalled or downloaded and installed on the mobile device;

a mobile device input interface configured to receive selection of a payment account identifier from a user and receive input from the user at the mobile device to initiate a transaction to purchase an item;

a mobile device wireless fidelity (WiFi) transceiver;

a mobile device radio transceiver configured to wirelessly transmit the selected payment account identifier stored in the mobile device memory to a point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the selected payment account identifier to the point of sale terminal, the point of sale terminal connected to a management server;

a mobile device output interface configured to send a request for a digital artifact for display within a specific payment application generated screen to the management server and receive the digital artifact for display within the specific payment application generated screen, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters, wherein the digital artifact is received from the management server which processes the transaction using the selected payment account identifier associated with the payment account information; and

a mobile device display configured to present the digital artifact within the specific payment application generated screen.

15. The mobile device of claim 14, wherein the first wireless communication channel is a contactless wireless protocol.

16. The mobile device of claim 14, wherein the second wireless communication channel is associated with a cellular radio communication channel.

17. The mobile device of claim 14, wherein targeting parameters includes personal information and/or transaction history.

18. The mobile device of claim 17, wherein personal information comprises location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

19. The mobile device of claim 17, wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, and tickets.

20. The mobile device of claim 14, wherein the digital artifact is received using the second wireless communication channel.