Mobile and wearable device payments via free cross-platform messaging service, free voice over internet protocol communication, free over-the-top content communication, and universal digital mobile and wearable device currency faces

• US 9,047,600 B2
• Filed: 07/18/2014
• Issued: 06/02/2015
• Est. Priority Date: 07/18/2011
• Status: Active Grant

• Current Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Original Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Inventors: Zhou, Andrew H B, Zhou, Tiger T G, Zhou, Dylan T X
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US14/334,992
• Publication Number:
  US 20140330656A1
• Time in Patent Office: 319 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-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 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 12/146 using digital cash
• CPC Class Codes: H04M 1/2755 by optical scanning
• CPC Class Codes: H04M 1/724 User interfaces specially adapted for cordless or mobile telephones
• CPC Class Codes: H04M 1/72439 for image or video messaging
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/301 Code input or reading
• CPC Class Codes: H04M 17/304 : Optical code recognition [OCR], e.g. bar code reader
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 12/33 : using wearable devices, e.g. using a smartwatch or smart-glasses
• CPC Class Codes: H04W 12/63 : Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/77 : Graphical identity

Abstract

Provided are computer implemented methods and systems for facilitating mobile and wearable device payments and multimedia transfer. The method commences with receiving a multimedia transfer request from a mobile and wearable device associated with a sender. The method further comprises receiving a recipient identifier. The recipient identifier is associated with a mobile and wearable device associated with a recipient. The method continues with transferring the multimedia content to the recipient. The transfer is based on the recipient identifier. The method further comprises receiving a transaction request from the sender. The transaction request includes one or more of a currency amount, the recipient identifier, and payment data associated with the sender. The method further comprises encrypting transaction data. The transaction data includes one or more of the currency amount and the payment data associated with the sender. The method continues with performing a transaction based on the transaction request.

Claims

1. A computer implemented method for facilitating mobile and wearable device payments and multimedia transfer, the method comprising:

receiving, by one or more processors, a multimedia transfer request from a mobile and wearable device associated with a sender;

receiving, by the one or more processors, a recipient identifier, the recipient identifier being associated with a mobile and wearable device associated with a recipient;

transferring, by the one or more processors, based on the recipient identifier, the multimedia content to the recipient;

wherein the sender and the recipient are registered in a mobile payment service associated with the mobile and wearable device associated with the sender and the mobile and wearable device associated with the recipient, wherein the mobile payment service is associated with a digital currency;

receiving, by the one or more processors, from the sender, a currency transfer request;

customizing, by the one or more processors, the digital currency associated with the sender in the mobile payment service, wherein the customization includes forming at least an image of the senders face assembled in a currency bill as the digital currency stored on the mobile and wearable device associated with the sender, the image of the senders face having been previously registered on the mobile and wearable device associated with the sender;

verifying, in response to the receiving of the currency request, an identity of the sender, wherein the verifying includes;

capturing a verification image of the sender face;

comparing the image of the sender face and the verification image of the sender face; and

determining that unique patterns associated with the image of the sender face match unique patterns associated with the verification image;

receiving, by the one or more processors, from the sender, the transaction request, the transaction request including one or more of a currency amount, the recipient identifier, and payment data associated with the sender, wherein the transaction request is associated with transaction data;

encrypting, by the one or more processors, the transaction data, the transaction data including one or more of the currency amount and the payment data associated with the sender; and

upon completion of the verifying, performing, by the one or more processors, a transaction based on the transaction request, the transaction including sending the digital currency associated with the sender to the mobile and wearable device associated with the recipient which displays the digital currency thereon and converts the received digital currency associated with the sender into digital currency associated with the recipient by replacing the image of the sender with the image of the recipient, debiting the sender and crediting the recipient, and storing the converted digital currency in the mobile and wearable device associated with the recipient;

wherein the mobile payment service provides at least a cross-platform messaging service, a Voice over Internet Protocol (VoIP) service, and an Over-the-Top (OTT) service; and

wherein the mobile payment service is associated with fingerprint payments by swiping a finger across a touchscreen of the mobile and wearable device associated with the sender and is further associated with one or more of the following;

transactional payments based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, credit card mobile payments, prepaid card payments, online wallets, QR-code payments, contactless near field communication, cloud-based mobile payments, audio signal-based payments, Bluetooth Low Energy (BLE) signal beacon payments, in-application payments, software development kit (SDK) payments, application programming interface (API) payments, social networking payments, and direct carrier/bank co-operation.

2. The method of claim 1, wherein the multimedia transfer request includes one or more of a text transfer request, a video transfer request, an image transfer request, an audio transfer request, an animation transfer request, and a geographical location data transfer request.

3. The method of claim 1, wherein the image is selected from an image of a sender face, an image of a public figure, and an image of a movie character.

4. The method of claim 3, further comprising performing verification of the sender face to prevent an identity theft, wherein the verification is based on sender face recognition.

5. The method of claim 1, wherein the encrypting includes assigning a unique key to the transaction data.

6. The method of claim 5, further comprising sending the unique key to an encryption verification unit, wherein the encryption verification unit includes a key storage.

7. The method of claim 1, wherein the digital currency is stored at one or more of the following:

the mobile and wearable device associated with the sender, the mobile and wearable device associated with the recipient, and a remote server.

8. The method of claim 1, further comprising:

receiving, by the one or more processors, a sales point search request from the mobile and wearable device associated with the sender;

determining, by the one or more processors, based on the a sales point search request, a current location of the mobile and wearable device associated with the sender; and

based on the determining, displaying, by the one or more processors, on the mobile and wearable device associated with the sender, a list of sales points located in proximity to the current location of the mobile and wearable device associated with the sender.

9. The method of claim 1, further comprising:

displaying a barcode on the mobile and wearable device associated with the sender, the barcode encoding the payment data associated with the sender and an image of a sender face.

10. The method of claim 1, further comprising:

uploading the payment data associated with the sender and an image of a sender face to a cloud storage.

11. The method of claim 1, further comprising:

scanning a merchant barcode at a point-of-sale terminal, the merchant barcode being associated with merchant account data; and

retrieving the merchant account data from the merchant barcode.

12. The method of claim 1, further comprising scanning a merchant invoice, the merchant invoice comprising a barcode encoding merchant account data.