Systems and methods for mobile application, wearable application, transactional messaging, calling, digital multimedia capture and payment transactions

• US 9,489,671 B2
• Filed: 12/03/2015
• Issued: 11/08/2016
• Est. Priority Date: 10/01/2002
• Status: Expired due to Term

• Current Assignee: Banker of MOBI Incorporated
• 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
• Application Number:
  US14/957,644
• Publication Number:
  US 20160086161A1
• Time in Patent Office: 341 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 3/041 Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06F 3/04886 by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile 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 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0209 Incentive being awarded or redeemed in connection with the playing of a video game
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/0894 : Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage

Abstract

Systems and methods for multimedia capture and payment transactions are provided. A system comprises a payment and multimedia capture means and a cloud-based application. The payment and multimedia capture means is configured to communicate with an external device, transmit key data from the payment and multimedia capture means to the external device. The cloud-based application is configured to receive the key data from the external device, provide a payment and multimedia capture interface on a display of the external device, receive haptic input via the haptic control, analyze the haptic input to determine a duration of the haptic input, select an operation based on the duration, and perform the selected operation. The operation include a payment operation and a multimedia capture operation.

Claims

1. A method for payment, multimedia capture and encrypting via a payment and multimedia capture means and a payment and multimedia application associated with a mobile and wearable device, the method comprising:

establishing, by a communication unit, communication between the payment and multimedia capture means and an mobile and wearable device associated with a user;

transmitting key data from the payment and multimedia capture means to the mobile and wearable device, the key data including at least user credentials;

activating, by a processor of the mobile and wearable device, a cloud-based application using the key data, the cloud-based application running on the mobile and wearable device and being associated with a cloud storage, wherein the cloud-based application is related to one or more dedicated folders provided on one or more client devices associated with the user, the one or more dedicated folders synchronizing across the one or more client devices, and contents of the one or more dedicated folders being accessible via a web resource and the cloud-based application, the cloud-based application including the payment and multimedia application, wherein the payment and multimedia application is associated with an application protocol, the application protocol being integrated into a communication platform;

wherein the cloud-based application includes one or more of the following;

a media player, a multimedia library, an online radio broadcaster, an online store selling software applications for the mobile and wearable device, and a mobile and wearable device management application to play, download, purchase, organize multimedia, send multimedia gift cards, and synchronize multimedia with a portable device and one or more internet-connected devices, wherein the cloud-based application is configured to prompt the user to purchase and download one or more or the following;

music, music videos, television shows, audio books, movies, and movie rentals, and wherein the cloud-based application is associated with the mobile and wearable device of the user;

receiving, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via the cloud-based application associated with the mobile and wearable device, the cloud-based application being associated with providing a free Voice over Internet Protocol service and a free Over-the-Top service;

securing the mobile and wearable device via a band to a part of a human body, the part of the human body including one or more of the following;

a wrist, an arm, a neck, a bead, a leg, a waist, an ear, and a finger, securing, via the band, the mobile and wearable device being secured under, within or on clothing;

operably connecting a database to the mobile and wearable device, wherein the database is configured to store financial information of the user provided during the registering of the user;

associating the mobile and wearable device with an electronic payment card configured to act as one or more of a smart card, a proximity card, an integrated circuit card, a magnetic strip card, a Europay, MasterCard, and Visa (EMV) smart payment card, and an electronic payment card, the electronic payment card storing card data of one or more of debit cards, credit cards, gift cards, loyalty cards, prepaid cards, bank cards, identity cards, and membership cards, wherein the mobile and wearable device is equipped with an integrated smartcard, wherein the user waves the mobile and wearable device near a reader module to make a payment to the reader module;

providing, by the processor of the mobile and wearable device, a payment and multimedia capture interface on a display of the mobile and wearable device, wherein the payment and multimedia capture interface includes a haptic control configured to sense a haptic input of the user, wherein the payment and multimedia capture interface is further configured to receive a selection of an activity operation, wherein the activity operation includes one or more of the following;

a messaging operation and a calling operation, wherein the receiving of the selection of the activity operation includes one or more of the following;

a voice command, a haptic interaction with a touchscreen of the mobile and wearable device, and a move command;

sensing the haptic input via the haptic control, wherein the haptic input includes a touch of the user to the haptic control;

analyzing the haptic input to determine a duration of the haptic input;

based on the duration of the haptic input, selecting an operation from a list of predetermined operations to be performed by the cloud-based application, wherein the predetermined operations include at least a payment operation and a multimedia capture operation, wherein the mobile and wearable device is operable to perform both the payment operation and the multimedia capture operation, wherein the payment operation is associated with a payment request of the user;

in response to the multimedia capture operation being selected;

capturing multimedia by a camera of the mobile and wearable device, the multimedia being stored to the cloud storage, wherein the multimedia includes a photo, a video, and a geographic location, and wherein the capturing includes grabbing screenshots off the mobile and wearable device, the screenshots including links including one or more of the following;

a Shop Now Link, a Book Now Link, a Download link, a Learn More link, a Buy Now link, the Pay Now link, and a Sign Up link;

selecting the haptic control for a particular type of multimedia content to be captured to provide captured multimedia;

analyzing data associated with the haptic control;

based on the analyzing, selecting one or more multimedia types for recording from the captured multimedia based on predetermined rules associated with a predetermined time of the providing the haptic control by the user;

sending a command to a sensor of the mobile and wearable device to capture multimedia of the selected one or more multimedia types based on the predetermined rules;

storing the one or more multimedia types in a memory, wherein the cloud-based application is coupled to a payment processor;

in response to the payment operation being selected;

receiving payment details associated with the user from the cloud storage, the payment details being used to perform a payment via the mobile and wearable device;

encrypting the payment request associated with the payment operation to obtain an encrypted payment request, wherein the encrypted payment request is decrypted by a further payment and multimedia application associated with a mobile and wearable device of a recipient, wherein the encrypted payment request is removed from the mobile and wearable device of the recipient after the encrypted payment request is optically read;

transmitting the encrypted payment request to a financial organization; and

storing information associated with the payment in the mobile and wearable device associated with the user, wherein the payment operation is authorized in part when a geographic location determined by the mobile and wearable device matches a geographic location of a merchant at a time of the selecting of the payment operation;

wherein the mobile and wearable device is operable to obtain information about a payment system of the user, wherein the mobile and wearable device is operable to generate and display a barcode that encodes user payment information, the barcode being scanned and processed at a checkout counter to retrieve the user payment information from a database of a payment processing system, payment information being used to transfer funds between the user and a service provider for an amount of the payment, wherein the service provider includes a merchant or a multimedia provider; and

wherein the service provider provides the user with a compensation for future purchases made via the mobile payment service, the compensation being equal to the amount of the payment;

wherein the mobile and wearable device comprises one or more haptic control elements to control operation or functions of the mobile and wearable device, and controlling access to the mobile and wearable device is performed by one or more of the following;

a password, a Personal Identification Number code, and biometric authorization, the biometric authorization including fingerprint scanning, palm scanning, face scanning, and retina scanning, wherein the scanning is performed using one or more biometric sensors, wherein the one or more biometric sensors include sensors for sensing a command for the payment operation to perform buying, the sensing shown on the display, the mobile and wearable device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein access to the mobile and wearable personal is granted based on the matching; and

wherein the camera of the mobile and wearable device is further configured to capture one or more codes, the one or more codes including the key data, a link to a web- resource, a payment request, and advertising information, wherein the one or more codes include one or more of the following;

the barcode, a linear dimensional code, a two-dimensional code, a snap tag code, and a QR code.

2. The method of claim 1, wherein the communication is established via one or more of the following:

radio waves, contacts for direct electrical connection, magnetic data-strip, and holographic data-strip.

3. The method of claim 1, wherein the payment details include a data related to one or more of the following:

a banking account associated with the user, a payment card associated with the user, and a virtual money account of the user.

4. The method of claim 1, wherein the payment includes an internet payment, a near field communication (NFC) payment, a scan code payment, a person-to-person payment, a buyer-to-merchant payment, a peer-to-peer payment, an in-application payment, a point-of-sale payment, a mobile payment, a wearable payment, and a digital wallet payment.

5. The method of claim 1, wherein the payment is associated with bonus points provided to the user.

6. The method of claim 1, further comprising:

receiving, from the user through the payment and multimedia capture interface, an access request; and

providing, through the cloud-based application, access to the cloud storage, wherein the access is granted based on submitting of the key data.

7. The method of claim 6, further comprising:

prompting the user to log into the cloud-based application and provide a consent to initiate payments on behalf of the user, wherein upon the consent the payments are initiated automatically without requesting the consent of the user, wherein the access is performed via initiating one or more of the following;

an NFC payment, a Wi-Fi payment, a beacon payment, a mobile payment, a one- touch buying, a wearable payment, a digital wallet payment.

8. The method of claim 1, wherein the cloud storage is further configured to:

receive an access request and provide access to the multimedia, wherein the access is granted based on receiving of the key data;

provide an access to downloading, uploading, buying, and paying for the multimedia;

store the multimedia, a record of an access made to the multimedia, and content use terms and rules for controlling the access to the multimedia; and

provide payment validation data to the mobile and wearable device and one or more internet-connected devices.

9. The method of claim 8, wherein the access is performed via a via Wi-Fi, 3G network, 4G network, 5G network, or 6G network.

10. The method of claim 1, wherein the cloud-based application resides in a cloud and is provided on the mobile and wearable device via a web browser, a projector, or a hologram,

wherein the cloud-based application is provided for purchase in one or more applications stores, the one or more applications stores being associated with an operating system, the operating system including one of the following:

Microsoft Windows, Linux, Android, Blackberry, iOS, and Windows Phone, and

wherein the cloud-based application is provided free of charge or at a predetermined price.

11. A payment and multimedia capture system comprising:

a payment and multimedia capture means configured to;

communicate with a mobile and wearable device associated with a user, wherein the mobile and wearable device is secured via a band to a part of a human body of the user at one or more of a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger under, within, or on clothing of the user;

transmit key data from the payment and multimedia capture means to the mobile and wearable device, the key data including at least user credentials;

a cloud-based application activated using the key data by a processor of the mobile and wearable device, wherein the cloud based application runs on the mobile and wearable device and is associated with a cloud storage, the cloud-based application being related to one or more dedicated folderes provided on one or more client devices associated with the user, the one or more dedicated folders synchronizing across the one or more client devices, and contents of the one or more dedicated folders being accessible via a web resource and the cloud-based application, wherein the payment and multimedia capture means is associated with an application protocol, the application protocol being integrated into a communication platform, the cloud based application being configured to;

receive the key data from the mobile and wearable device, wherein the key data is used to authorize with the cloud-based application, wherein the cloud-based application includes one or more of the following;

a media player, a multimedia library, an online radio broadcaster, an online store selling software applications for the mobile and wearable device, and a mobile and wearable device management application to play, download, purchase, organize multimedia, send multimedia gift cards, and synchronize multimedia with a portable device and one or more internet-connected devices, wherein the cloud-based application is configured to prompt the user to purchase and download one or more or the following;

music, music videos, television shows, audio books, movies, and movie rentals, and wherein the cloud-based application is associated with the mobile and wearable device of the user, the mobile and wearable device being associated with an electronic payment card configured to act as one or more of a smart card, a proximity card, an integrated circuit card, a magnetic strip card, a Europay, MasterCard, and Visa (EMV) smart payment card, and an electronic payment card, the electronic payment card storing card data of one or more of debit cards, credit cards, gift cards, loyalty cards, prepaid cards, bank cards, identity cards, and membership cards, wherein the mobile and wearable device is equipped with an integrated smartcard, wherein the user waves the mobile and wearable device near a reader module to make a payment to the reader module;

receive, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via the cloud-based application associated with the mobile and wearable device, the cloud-based application being associated with providing a free Voice over Internet Protocol service and a free Over-the-Top service, and operably connecting a database to the mobile and wearable device, wherein the database is configured to store financial information of the user provided during the registration of the user;

provide a payment and multimedia capture interface on a display of the mobile and wearable device, wherein the payment and multimedia capture interface includes a haptic control configured to sense a haptic input of a user, wherein the payment and multimedia capture interface is further configured to receive a selection of an activity operation, wherein the activity operation includes one or more of the following;

a messaging operation and a calling operation, wherein the receiving of the selection of the activity operation includes a voice command, a haptic interaction with a touchscreen of the mobile and wearable device, and a move command;

receive data on the haptic input via the haptic control, wherein the haptic input includes a touch of the user to the haptic control sensed by one or more sensors of the mobile and wearable device;

analyze the haptic input to determine a duration of the haptic input;

based on the duration of the haptic input, select an operation from a list of predetermined operations to be performed by the cloud- based application, wherein the predetermined operations include at least a payment operation and a multimedia capture operation, wherein the mobile and wearable device is operable to perform both the payment operation and the multimedia capture operation, wherein the payment operation is associated with a payment request of the user;

in response to the multimedia capture operation being selected;

capture multimedia by a camera of the mobile and wearable device, the multimedia being stored to the cloud storage, wherein the multimedia includes a photo, a video, and a geographic location, and wherein the capturing includes grabbing screenshots off the mobile and wearable device, the screenshots including links including one or more of the following;

a Shop Now Link, a Book Now Link, a Download link, a Learn More link, a Buy Now link, the Pay Now link, and a Sign Up link;

select the haptic control for a particular type of multimedia content to be captured to provide captured multimedia;

analyze data associated with the haptic control;

based on the analyzing, select one or more multimedia types for recording from the captured multimedia based on predetermined rules associated with a predetermined time of the providing the haptic control by the user;

send a command to a sensor of the mobile and wearable device to capture multimedia to memory of the selected multimedia type based on the predetermined rules;

store the one or more multimedia types in a memory, wherein the cloud-based application is coupled to a payment processor;

in response to the payment operation being selected;

receive payment details associated with the user from the cloud storage, the payment details being used to perform a payment via the mobile and wearable device;

encrypt the payment request associated with the payment operation to obtain an encrypted payment request, wherein the encrypted payment request is decrypted by a further payment and multimedia application associated with a mobile and wearable device of a recipient, wherein the encrypted payment request is removed from the mobile and wearable device of the recipient after the encrypted payment request is optically read;

transmit the encrypted payment request to a financial organization; and

store information associated with the payment in the mobile and wearable device associated with the user, wherein the payment operation is authorized in part when a geographic location determined by the mobile and wearable device matches a geographic location of a merchant at a time of the selecting of the payment operation;

wherein the mobile and wearable device is operable to obtain information about a payment system of the user, wherein the mobile and wearable device is operable to generate and display a barcode that encodes user payment information, the barcode being scanned and processed at a checkout counter to retrieve the user payment information from a database of a payment processing system, the user payment information being used to transfer funds between the user and a service provider for an amount of the payment, wherein the service provider includes a merchant or a multimedia provider, and

wherein the service provider provides the user with a compensation for future purchases made via the mobile payment service, the compensation being equal to the amount of the payment;

wherein the mobile and wearable device comprises one or more haptic control elements to control operation or functions of the mobile and wearable device, and controlling access to the mobile and wearable device is performed by one or more of the following;

a password, a Personal Identification Number code, and biometric authorization, the biometric authorization including fingerprint scanning, palm scanning, face scanning, and retina scanning, wherein the scanning is performed using one or more biometric sensors, wherein the one or more biometric sensors include sensors for sensing a command for the payment operation to perform buying, the sensing shown on the display, the mobile and wearable device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein access to the mobile and wearable personal is granted based on the matching; and

wherein the camera of the mobile and wearable device is further configured to capture one or more codes, the one or more codes including the key data, a link to a web-resource, a payment request, and advertising information, wherein the one or more codes include barcode, a linear dimensional code, a two-dimensional code, a snap tag code, and a QR code;

the cloud storage configured to;

store the payment details and the multimedia associated with the user.

12. The system of claim 11, wherein the payment and multimedia capture means includes:

a communication unit configured to establish communication with the mobile and wearable device via one or more of the following;

radio waves, direct electrical connection, magnetic data reading, and holographic data reading; and

an interface for sending the multimedia and receiving the multimedia; and

wherein the payment and multimedia capture means is configured to provide making payments at contactless points of sale by digitizing and replacing the payment details associated with one or more of a credit card transaction, a debit card transaction and a magnetic stripe transaction with addition of two-factor authentication.

13. The system of claim 12, wherein the communication unit includes one or more of the following:

a radio frequency identification (RFID) chip, an NFC chip, one or more contacts for direct electrical connection a magnetic data-strip, and holographic data-strip.

14. The system of claim 11, wherein the payment details include a data related to one or more of the following:

a banking account associated with the user, a payment card associated with the user, and a virtual money account of the user.

15. The system of claim 11, wherein the payment includes an internet payment, an NFC payment, a point-of-sale payment, and a mobile application payment.

16. The system of claim 11, wherein the multimedia includes a photo, a video, an audio, a text, software, and a geographic location.

17. A non-transitory computer-readable medium having embodied thereon a program being executable by at least one processor to perform a method for payment, multimedia capture and encrypting via a payment and multimedia capture means and a payment and multimedia application associated with a mobile and wearable device, the method comprising:

establishing, by a communication unit, communication between the payment and multimedia capture means and the mobile and wearable device associated with a user;

transmitting key data from the payment and multimedia capture means to the mobile and wearable device, the key data including at least user credentials;

activating, by a processor of the mobile and wearable device, a cloud-based application using the key data, the cloud-based application running on the mobile and wearable device and being associated with a cloud storage, wherein the cloud-based application is related to one or more dedicated folders provided on one or more client devices associated with the user, the one or more dedicated folders synchronizing across the one or more client devices, and contents of the one or more dedicated folders being accessible via a web resource and the cloud-based application, the cloud-based application including the payment and multimedia application, wherein the payment and multimedia application is associated with an application protocol, the application protocol being integrated into a communication platform;

wherein the cloud-based application includes one or more of the following;

a media player, a multimedia library, an online radio broadcaster, an online store selling software applications for the mobile and wearable device, and a mobile and wearable device management application to play, download, purchase, organize multimedia, send multimedia gift cards, and synchronize multimedia with a portable device and one or more internet-connected devices, wherein the cloud-based application is configured to prompt the user to purchase and download one or more or the following;

music, music videos, television shows, audio books, movies, and movie rentals, and wherein the cloud-based application is associated with the mobile and wearable device of the user;

receiving, from the user, a registration request to register the user in a mobile payment service, wherein the user sends the registration request via the cloud-based application associated with the mobile and wearable device, the cloud-based application being associated with providing a free Voice over Internet Protocol service and a free Over-the-Top service;

securing the mobile and wearable device via a band to a part of a human body, the part of the human body including one or more of the following;

a wrist, an arm, a neck, a bead, a leg, a waist, an ear, and a finger, securing, via the band, the mobile and wearable device being secured under, within or on clothing;

operably connecting a database to the mobile and wearable device, wherein the database is configured to store financial information of the user provided during the registering of the user;

associating the mobile and wearable device with an electronic payment card configured to act as one or more of a smart card, a proximity card, an integrated circuit card, a magnetic strip card, a Europay, MasterCard, and Visa (EMV) smart payment card, and an electronic payment card, the electronic payment card storing card data of one or more of debit cards, credit cards, gift cards, loyalty cards, prepaid cards, bank cards, identity cards, and membership cards, wherein the mobile and wearable device is equipped with an integrated smartcard, wherein the user waves the mobile and wearable device near a reader module to make a payment to the reader module;

providing a payment and multimedia capture interface on a display of the mobile and wearable device, wherein the payment and multimedia capture interface includes a haptic control configured to sense a haptic input of the user, wherein the payment and multimedia capture interface is further configured to receive a selection of an activity operation, wherein the activity operation includes one or more of the following;

a messaging operation and a calling operation, wherein the receiving of the selection of the activity operation includes one or more of the following;

a voice command, a haptic interaction with a touchscreen of the mobile and wearable device, and a move command;

sensing the haptic input via the haptic control, wherein the haptic input includes a touch of the user to the haptic control;

analyzing the haptic input to determine a duration of the haptic input;

based on the duration of the haptic input, selecting an operation from a list of predetermined operations to be performed by the cloud-based application, wherein the predetermined operations include at least a payment operation and a multimedia capture operation, wherein the mobile and wearable device is operable to perform both the payment operation and the multimedia capture operation, wherein the payment operation is associated with a payment request of the user;

in response to the multimedia capture operation being selected;

capturing multimedia by a camera of the mobile and wearable device, the multimedia being stored to the cloud storage, wherein the multimedia includes a photo, a video, and a geographic location, and wherein the capturing includes grabbing screenshots off the mobile and wearable device, the screenshots including links including one or more of the following;

a Shop Now Link, a Book Now Link, a Download link, a Learn More link, a Buy Now link, the Pay Now link, and a Sign Up link;

selecting the haptic control for a particular type of multimedia content to be captured to provide captured multimedia;

analyzing data associated with the haptic control;

based on the analyzing, selecting one or more multimedia types for recording from the captured multimedia based on predetermined rules associated with a predetermined time of the providing the haptic control by the user;

sending a command to a sensor of the mobile and wearable device to capture multimedia of the selected one or more multimedia types based on the predetermined rules;

storing the one or more multimedia types in a memory, wherein the cloud-based application is coupled to a payment processor;

in response to the payment operation being selected;

receiving payment details associated with the user from the cloud storage, the payment details being used to perform a payment via the mobile and wearable device;

encrypting the payment request associated with the payment operation to obtain an encrypted payment request, wherein the encrypted payment request is decrypted by a further payment and multimedia application associated with a mobile and wearable device of a recipient, wherein the encrypted payment request is removed from the mobile and wearable device of the recipient after the encrypted payment request is optically read;

transmitting the encrypted payment request to a financial organization; and

storing information associated with the payment in the mobile and wearable device associated with the user, wherein the payment operation is authorized in part when a geographic location determined by the mobile and wearable device matches a geographic location of a merchant at a time of the selecting of the payment operation;

wherein the mobile and wearable device is operable to obtain information about a payment system of the user, wherein the mobile and wearable device is operable to generate and display a barcode that encodes user payment information, the barcode being scanned and processed at a checkout counter to retrieve the user payment information from a database of a payment processing system, the user payment information being used to transfer funds between the user and a service provider for an amount of the payment, wherein the service provider includes a merchant or a multimedia provider;

wherein the service provider provides the user with a compensation for future purchases made via the mobile payment service, the compensation being equal to the amount of the payment;

wherein the mobile and wearable device comprises one or more haptic control elements to control operation or functions of the mobile and wearable device, and controlling access to the mobile and wearable device is performed by one or more of the following;

a password, a Personal Identification Number code, and biometric authorization, the biometric authorization including fingerprint scanning, palm scanning, face scanning, and retina scanning, wherein the scanning is performed using one or more biometric sensors, wherein the one or more biometric sensors include sensors for sensing a command for the payment operation to perform buying, the sensing shown on the display, the mobile and wearable device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein access to the mobile and wearable personal is granted based on the matching; and

wherein the camera of the mobile and wearable device is further configured to capture one or more codes, the one or more codes including the key data, a link to a web- resource, a payment request, and advertising information, wherein the one or more codes include one or more of the following;

the barcode, a linear dimensional code, a two-dimensional code, a snap tag code, and a QR code.

18. The non-transitory computer-readable medium of claim 17, wherein the haptic input includes a touch of the user to the haptic control sensed by one or more sensors of the mobile and wearable device.

19. The non-transitory computer-readable medium of claim 17, wherein the haptic input is analyzed to determine the duration of the haptic input.

20. The non-transitory computer-readable medium of claim 17, wherein the duration of substantially one second is associated with the payment operation and the duration substantially exceeding one second is associated with the multimedia capture operation.

21. The non-transitory computer-readable medium of claim 17, wherein the payment operation provides payment details stored in the cloud storage and associated with the user, wherein the payment details are used to perform a payment via the mobile and wearable device.

22. The non-transitory computer-readable medium of claim 21, wherein the payment details include a data related to one or more of the following:

a banking account associated with the user, a payment card associated with the user, and a virtual money account of the user.

23. The non-transitory computer-readable medium of claim 21, wherein the payment includes an internet payment and an NFC payment.

24. The non-transitory computer-readable medium of claim 17, wherein the multimedia includes a photo, a video, and a geographic location.

25. The non-transitory computer-readable medium of claim 17, wherein the key data is used to access the cloud storage.

26. The non-transitory computer-readable medium of claim 17, wherein the communication unit includes one or more of the following:

an RFID chip, an NFC chip, one or more contacts for direct electrical connection a magnetic data-strip, and holographic data-strip.

27. The non-transitory computer-readable medium of claim 17, wherein the payment and multimedia capture means comprises:

a Global Positioning System tracking unit attached to the payment and multimedia capture means and configured to track a geographic position of the payment and multimedia capture means and transmit the geographic position in response to a request from the mobile and wearable device;

a lighting alarm unit attached to the payment and multimedia capture means and configured to emit light in response to a search command from the mobile and wearable device; and

a sound alarm unit attached to the payment and multimedia capture means and configured to produce sound in response to a search command from the mobile and wearable device.

28. The non-transitory computer-readable medium of claim 17, wherein the payment and multimedia capture means comprises:

a multimedia data access terminal for retrieving content data from a multimedia data supplier and providing the retrieved content data to an internet-connected data device, the terminal comprising;

a first touch interface for communicating with the multimedia data supplier;

a multimedia data device touch interface for interfacing with the multimedia data device;

a program store platform storing code files implementable by a processor; and

the processor, coupled to the first touch interface, to the multimedia data device touch interface, to the program store platform for implementing the stored code files, and one or more internet-connected devices, the code comprising;

code files to read a payment data from the multimedia data device and to forward the payment data to a payment financial validation system;

code files to receive payment financial validation data from the payment financial validation system; and

code files responsive to the payment financial validation data to retrieve the data from the multimedia supplier and to write the retrieved multimedia data into the data device to perform a payment.