Financial transaction processing with digital artifacts and a default payment method using a server
First Claim
1. A method, comprising:
- receiving at a management server a payment account identifier from a point of sale terminal , wherein the point of sale terminal receives the payment account identifier selected by a user using a payment application to initiate a transaction to purchase an item, the payment application maintaining the payment account identifier 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;
processing at the management server the transaction using a payment account corresponding to the payment account identifier, wherein the payment account is stored at the management server;
selecting at the management server a digital artifact based on one or more targeting parameters; and
sending the digital artifact from the management server to the payment application for display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.
1 Assignment
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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
20 Claims
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1. A method, comprising:
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receiving at a management server a payment account identifier from a point of sale terminal , wherein the point of sale terminal receives the payment account identifier selected by a user using a payment application to initiate a transaction to purchase an item, the payment application maintaining the payment account identifier 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; processing at the management server the transaction using a payment account corresponding to the payment account identifier, wherein the payment account is stored at the management server; selecting at the management server a digital artifact based on one or more targeting parameters; and sending the digital artifact from the management server to the payment application for display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A management server, comprising:
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a management server interface configured to receive a payment account identifier from a point of sale terminal, wherein the point of sale terminal receives the payment account identifier selected by a user using a payment application to initiate a transaction to purchase an item, the payment application maintaining the payment account identifier 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; a management server processor configured to; process a transaction using a payment account corresponding to the payment account identifier, wherein the payment account is stored at the management server and select a digital artifact based on one or more targeting parameters; and a management server transceiver configured to send a digital artifact for display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A non-transitory computer readable medium, comprising:
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computer code to receive a payment account identifier from a point of sale terminal, wherein the point of sale terminal receives the payment account identifier selected by a user using a payment application to initiate a transaction to purchase an item, the payment application maintaining the payment account identifier using the 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; computer code for processing the transaction at the management server using a payment account corresponding to the payment account identifier, wherein the payment account is stored at the management server; computer code for selecting at the management server a digital artifact based on one or more targeting parameters; and computer code for sending from the management server the digital artifact for display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.
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Specification