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Remote transaction processing with a point-of-entry terminal using bluetooth

  • US 9,305,309 B2
  • Filed: 12/30/2013
  • Issued: 04/05/2016
  • Est. Priority Date: 11/30/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • maintaining an identification code and a payment application in a mobile device memory included in a mobile device, wherein the payment application is non browser based mobile application and 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 Bluetooth interface;

    receiving input from a user at the mobile device to initiate a transaction request;

    wirelessly transmitting the identification code stored in the mobile device memory to a point of entry terminal by using a first wireless communication channel configured for Bluetooth, wherein execution of the payment application facilitates the transfer of the identification code to the point of entry terminal, the point of entry terminal connected to a management server;

    sending a request for a digital artifact from the payment application to the management server for display within a specific payment application generated screen, the specific payment application generated screen corresponding to a specific screen or area of the payment application, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on one or more targeting parameters for the user;

    receiving the digital artifact from the management server which processes the transaction using a payment method associated with the identification code, and further wherein the payment method is stored at the management server; and

    displaying the digital artifact within the specific payment application generated screen.

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