Financial transaction processing with digital artifacts and a default payment method using a server

• US 9,177,331 B2
• Filed: 02/13/2014
• Issued: 11/03/2015
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc.
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/179,952
• Publication Number:
  US 20140164157A1
• Time in Patent Office: 628 Days
• Field of Search: 705/16, 705/30, 705/38, 705/39, 705/40, 705/41, 705/44, 705/65, 455/41.1, 455/410, 455/414.1, 455/558, 725/23, 725/34, 725/35, 235/380, 235/382, 235/492
• US Class Current: 1/1
• 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:

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.

2. The method of claim 1, wherein the digital artifact includes metadata operable to trigger a call to action.

3. The method of claim 1, wherein a data exchange between the payment application and the management server has already occurred, wherein the management server permits a user associated with the payment application running on the mobile device to conduct a purchase as a result of the data exchange.

4. The method of claim 3, wherein the data exchange includes exchanging an identification code.

5. The method of claim 4, wherein the identification code is a personal identification number (PIN).

6. The method of claim 1, wherein coupons are redeemed during the transaction.

7. The method of claim 1, wherein targeting parameters comprises personal information and/or transactions.

8. The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the payment application.

9. The method of claim 7, wherein personal information comprises location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

10. The method of claim 7, wherein transactions comprises historical payment transactions, real-time payment transactions, contactless transactions made using a secure element coupled-to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, account balance, payment history, funds transfer , tickets, receipts, coupons transactions made by the user but not through the mobile device, and raw data downloaded from banks.

11. The method of claim 1, wherein the mobile device has a secure element including a secure element processor configured for near field communication transaction processing, a secure element memory configured to maintain a secure element application, and a secure element near field communication transceiver.

12. A management server, comprising:

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.

13. The management server of claim 12, wherein the digital artifact includes metadata operable to trigger a call to action.

14. The management server of claim 12, wherein a data exchange between the payment application and the management server has already occurred, wherein the management server permits a user associated with the payment application running on the mobile device to conduct a purchase as a result of the data exchange.

15. The management server of claim 14, wherein the data exchange includes exchanging an identification code.

16. The management server of claim 15, wherein the identification code is a personal identification number (PIN).

17. The management server of claim 12, wherein coupons are redeemed during the transaction.

18. The management server of claim 12, wherein targeting parameters comprises personal information and/or transactions.

19. The management server of claim 12, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the payment application.

20. A non-transitory computer readable medium, comprising:

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.