Remote transaction processing with multiple payment mechanisms
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 non-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 at the payment application running on the mobile device from a user to initiate a transaction to purchase an item selected at the mobile device;
wirelessly transmitting a transaction confirmation to a management server;
sending a request from the payment application to the management server for a digital artifact for display within a specific payment application generated screen, wherein the digital artifact is selected by the management server based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property;
receiving the digital artifact from the management server which processes the transaction using a payment method from a plurality of payment methods, the plurality of payment methods including a default payment method associated with the user and a user selected payment method associated with the user; and
displaying the digital artifact within the specific payment application generated screen.
2 Assignments
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.
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Citations
18 Claims
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1. A method, comprising:
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maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is non-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 at the payment application running on the mobile device from a user to initiate a transaction to purchase an item selected at the mobile device; wirelessly transmitting a transaction confirmation to a management server; sending a request from the payment application to the management server for a digital artifact for display within a specific payment application generated screen, wherein the digital artifact is selected by the management server based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property; receiving the digital artifact from the management server which processes the transaction using a payment method from a plurality of payment methods, the plurality of payment methods including a default payment method associated with the user and a user selected payment method associated with the user; and displaying the digital artifact within the specific payment application generated screen. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A mobile device, comprising:
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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 non-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 input interface configured to receive input from a user to initiate a transaction to purchase an item selected at the mobile device; a mobile device radio transceiver configured to wirelessly transmit a transaction confirmation to a management server; a mobile device processor configured to execute the payment application, the payment application configured to; send a request for a digital artifact for display within a specific payment application generated screen to the management server, wherein the digital artifact selected by the management server is based on targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property; receive the digital artifact from the management server which process the transaction using a payment method from a plurality of payment methods, the plurality of payment methods including a default payment method associated with the user and a user selected payment method associated with the user; and display, using a mobile device display, the digital artifact within the specific payment application generated screen. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A non-transitory computer readable medium, comprising:
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computer code for maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is non-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; computer code for receiving input at the payment application running on the mobile device from a user to initiate a transaction to purchase an item selected at the mobile device; computer code for wirelessly transmitting a transaction confirmation to a management server; computer code for sending a request for a digital artifact from the payment application for display within a specific payment application generated screen to the management server, wherein the digital artifact selected by the management server is based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property; computer code for receiving the digital artifact from the management server which processes the transaction using a payment method from a plurality of payment methods, the plurality of payment methods including a default payment method associated with the user and a user selected payment method associated with the user; and computer code for displaying the digital artifact within the specific payment application generated screen.
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Specification