Using a mobile device as a point of sale terminal

• US 8,751,315 B2
• Filed: 12/05/2012
• Issued: 06/10/2014
• Est. Priority Date: 11/30/2007
• Status: Expired due to Fees

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/706,332
• Publication Number:
  US 20130097036A1
• Time in Patent Office: 552 Days
• Field of Search: 705/16, 705/18, 705/30, 705/40, 705/41, 705/44, 705/7, 705/35, 705/42, 705/39, 705/70, 705/14.1, 705/26.7, 725/9, 725/23, 725/35, 455/406, 455/407
• 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:

calculating a total purchase amount;

electronically receiving purchase information including payment credentials from a user, the purchase information received by using a non-browser based payment application at a mobile device, the payment credentials associated with a credit card, a debit card, or a prepaid card, the mobile device including a mobile device display, a mobile device processor, a mobile device radio transceiver configured to support voice and data interactions through a first communication channel, a mobile device wireless fidelity (Wi-Fi) transceiver, and a mobile device memory configured to maintain an operating system platform non browser based payment application configured to facilitate payment processing at a remote server;

generating a payment authorization request at the mobile device;

wirelessly transmitting the payment authorization request and payment credentials from the mobile device to the remote server;

sending a request from the payment application to the remote server for a digital artifact for display within a specific payment application generated screen, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, the selection of the digital artifact performed by the remote server is based on correlating targeting parameters;

receiving the digital artifact at the payment application from the remote server, the remote server configured to authorize payment using the payment credentials; and

displaying on the mobile device display the digital artifact received from the remote server within the specific payment application generated screen.

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

3. The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, media, coupon, or content delivered from the remote server through the first communication channel.

4. The method of claim 1, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action, wherein the secondary call-to-action is operable to prompt the user to enter an email address, accept coupons/rewards, or opt-in for alerts and notifications.

5. The method of claim 4, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations.

6. The method of claim 2, wherein personal information comprises location, gender, age, interest, affiliation , userid, pageid, zip code, area code, and occupation.

7. The method of claim 1, wherein the total purchase amount is updated when a coupon is applied during the transaction.

8. The method of claim 1, wherein a security tool is implemented at the mobile device, wherein implementation of the security tool comprises:

prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the transaction, disabling use of the payment application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, deleting all cached data stored in mobile device memory, and/or storing encrypted security codes on the mobile device.

9. The method of claim 2, wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, and tickets.

10. A system comprising:

a mobile device memory configured to maintain a mobile operating system platform non browser based payment application configured to facilitate payment processing at a remote server, wherein a payment authorization request is generated at a mobile device;

a mobile device input interface associated with a plurality of mobile device transceivers including a mobile device radio transceiver configured to support voice and data interactions through a first communication channel and a mobile device wireless fidelity (Wi-Fi) transceiver, the mobile device input interface configured to receive purchase information including payment credentials from a user, the purchase information received by using the non-browser based payment application at the mobile device, the payment credentials associated with a credit card, debit card, or a prepaid card;

a mobile device output interface configured to wirelessly transmit the payment authorization request and payment credentials from the mobile device to the remote server;

a mobile device processor configured to;

calculate a total purchase amount;

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

receive the digital artifact from the remote server, the remote server configured to authorize payment using the payment credentials; and

a mobile device display configured to display the digital artifact received from the remote server within the specific payment application generated screen.

11. The system of claim 10, wherein targeting parameters includes personal information and/or transaction history.

12. The system of claim 10, wherein the digital artifact is an advertisement, receipt, ticket, media, coupon, or content delivered from the remote server through the first communication channel.

13. The system of claim 10, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action, wherein the secondary call-to-action is operable to prompt the user to enter an email address, accept coupons/rewards, or opt-in for alerts and notifications.

14. The system of claim 13, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations.

15. The system of claim 11, wherein personal information comprises location, gender, age, interest, affiliation , userid, pageid, zip code, area code, and occupation.

16. The system of claim 10, wherein the total purchase amount is updated when a coupon is applied during the transaction.

17. The system of claim 10, wherein a security tool is implemented at the mobile device, wherein implementation of the security tool comprises:

prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the transaction, disabling use of the payment application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, deleting all cached data stored in mobile device memory, and/or storing encrypted security codes on the mobile device.

18. The system of claim 11, 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.