One gesture, one blink, and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card
First Claim
1. A method for messaging, calling, and performing one-touch, one blink, and one gesture financial transactions of a user using a mobile and wearable device, the method comprising:
- controlling a camera of the mobile and wearable device, by a processor of the mobile and wearable device, to capture images of gestures by the user and images of blinks of the user'"'"'s eyes;
analyzing, by the processor, the images to generate authentication information to authenticate the user, wherein the authentication is required to be performed prior to completion of the financial transactions;
employing a motion sensor operably connected to a processor of the mobile and wearable device, for detecting gestures of the user, wherein the motion sensors detects;
a user swiping left with a finger on a display of the mobile and wearable device, which results in selection of a previous product by the processor;
the user swiping right with a finger on the display of the mobile and wearable device, which results in the display of a subsequent product on the display of the mobile and wearable device,tapping on the display of the mobile and wearable device, which results in adding a current product displayed to an online shopping cart of the user;
pinching on the display by the motion sensor, which triggers a checkout operation; and
a user sticking out their fingers and then making a fist, which results in the motion sensor communicating to the processor, that the financial transaction to purchase the items in the online shopping cart should be approved, and triggering funds to be taken from an account previously linked using an online dashboard from optically scanning payment cards and registering them in an online cloud;
receiving, by a processor of the mobile and wearable device, payment information and authentication information associated with the user, the payment information being associated with a mobile payment account of the user in a messaging, calling, one-touch, one blink, and one gesture payment and buying system, and the authentication information uniquely identifying the user;
generating, by the processor, a unique code, the unique code encoding the payment information;
providing, by the processor, the unique code to the user, wherein the unique code is associated with the user, and wherein the unique code is displayed on the mobile and wearable device and encodes at least bank account information, a total price, merchant data, and a user phone number, and wherein the processor controls the transmission of the transactions and unique code to a point of sale device (POS), payee device, and another mobile and wearable device using Bluetooth Low Energy (BLE);
providing, by the processor, in response to the receiving of the authentication information, a haptic control associated with the messaging, calling, and one-touch payment and buying system, wherein the haptic control comprises a graphic image shown on a display of the mobile and wearable device overlapping other visual elements on the display, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode, wherein the haptic control is compatible with other programs installed on the mobile and wearable deviceassociated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode;
superimposing, by the processor, the haptic control on the display of the mobile and wearable device on top of all content displayable of the mobile and wearable device from the other programs, and using the haptic control within the other programs to facilitate at least one of performing payments, messaging, and calling associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode of the mobile and wearable device;
receiving, by the processor, a selection of the payment mode via the mode selection elements of the haptic control from the user, wherein the selection of the payment mode includes a single touching of the mode selection elements associated with the payment mode;
upon the selection, automatically extracting, by the processor, context from at least one of the other installed programs from the display of the mobile and wearable device, wherein the context includes a web page, anapplication screen, or a message in view on the display, and wherein the extraction includes one or more of a payment recipient, a payment account, a sender account, and a payment amount;
based on the context, automatically determining, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction;
when the determined payment transaction type is the payment receiving transaction, automatically sending a transaction request to a financial institution without requesting financial information, authorizing, or confirmations, wherein the transaction request associated with the payment receiving transaction includes at least the unique code, and receiving a payment from the financial institution, wherein subsequent to the selection of the payment mode, the payment receiving transaction is automatically performed with no further input by the user after the selection;
when the determined payment transaction type is the payment sending transaction, calculating, by the processor, a deposit amount associated with the payment sending transaction related to the user and sending a transaction request associated with the payment sending transaction to the financial institution, wherein the transaction request associated with the payment sending transaction includes at least the unique code, wherein the deposit amount amounts to a predetermined percent from the payment amount, wherein the deposit amount is associated with the mobile payment account of the user in the messaging, calling, and one-touch payment and buying system, and sending a payment from the user to the financial institution, wherein subsequent to the selection of the payment mode, the payment sending transaction is automatically performed with no further input by the user after the selection;
receiving, by the processor, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction;
providing at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction and not associated with the payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to the predetermined percent from the payment amount;
receiving, by the processor, a selection of the messaging mode via the mode selection elements of the haptic control from the user, wherein the selection of the messaging mode includes a single touching of the mode selection elements associated with the messaging mode;
when the selection of the messaging mode is received, providing, by the processor, a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a recipient, the selection of the messaging mode being performed via touching the mode selection elements associated with the messaging mode by the user;
upon receipt of the message and the selection of the recipient, sending, by the processor, the message to the recipient via a data network;
receiving, by the processor, a selection of the calling mode via the mode selection elements of the haptic control from the user, wherein the selection of the calling mode includes a single touching ofthe mode selection elements associated with the calling mode;
when the selection of the calling mode is received, providing, by the processor, a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient, the selection of the calling mode being performed via touching the mode selection elements associated with the calling mode by the user; and
upon receipt of the call recipient, performing, by the processor, a call with the call recipient via the data network;
and when a selection of the multimedia capture mode is received, initiating with the processor, one or more sensors to capture multimedia;
analyzing with the processor, the single touch to determine a duration of the single touch, and based on the analysis, determine a type of multimedia to be recorded, wherein the type of multimedia includes an image and a video recording, and recording the captured multimedia to the database.
0 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems for messaging, calling, and one blink, one-touch, and one gesture payments and buying via mobile and wearable devices are disclosed. An exemplary system comprises a database in communication with a processor, the processor configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction.
-
Citations
24 Claims
-
1. A method for messaging, calling, and performing one-touch, one blink, and one gesture financial transactions of a user using a mobile and wearable device, the method comprising:
-
controlling a camera of the mobile and wearable device, by a processor of the mobile and wearable device, to capture images of gestures by the user and images of blinks of the user'"'"'s eyes; analyzing, by the processor, the images to generate authentication information to authenticate the user, wherein the authentication is required to be performed prior to completion of the financial transactions; employing a motion sensor operably connected to a processor of the mobile and wearable device, for detecting gestures of the user, wherein the motion sensors detects; a user swiping left with a finger on a display of the mobile and wearable device, which results in selection of a previous product by the processor; the user swiping right with a finger on the display of the mobile and wearable device, which results in the display of a subsequent product on the display of the mobile and wearable device, tapping on the display of the mobile and wearable device, which results in adding a current product displayed to an online shopping cart of the user; pinching on the display by the motion sensor, which triggers a checkout operation; and a user sticking out their fingers and then making a fist, which results in the motion sensor communicating to the processor, that the financial transaction to purchase the items in the online shopping cart should be approved, and triggering funds to be taken from an account previously linked using an online dashboard from optically scanning payment cards and registering them in an online cloud; receiving, by a processor of the mobile and wearable device, payment information and authentication information associated with the user, the payment information being associated with a mobile payment account of the user in a messaging, calling, one-touch, one blink, and one gesture payment and buying system, and the authentication information uniquely identifying the user; generating, by the processor, a unique code, the unique code encoding the payment information; providing, by the processor, the unique code to the user, wherein the unique code is associated with the user, and wherein the unique code is displayed on the mobile and wearable device and encodes at least bank account information, a total price, merchant data, and a user phone number, and wherein the processor controls the transmission of the transactions and unique code to a point of sale device (POS), payee device, and another mobile and wearable device using Bluetooth Low Energy (BLE); providing, by the processor, in response to the receiving of the authentication information, a haptic control associated with the messaging, calling, and one-touch payment and buying system, wherein the haptic control comprises a graphic image shown on a display of the mobile and wearable device overlapping other visual elements on the display, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode, wherein the haptic control is compatible with other programs installed on the mobile and wearable device associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode; superimposing, by the processor, the haptic control on the display of the mobile and wearable device on top of all content displayable of the mobile and wearable device from the other programs, and using the haptic control within the other programs to facilitate at least one of performing payments, messaging, and calling associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode of the mobile and wearable device; receiving, by the processor, a selection of the payment mode via the mode selection elements of the haptic control from the user, wherein the selection of the payment mode includes a single touching of the mode selection elements associated with the payment mode; upon the selection, automatically extracting, by the processor, context from at least one of the other installed programs from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display, and wherein the extraction includes one or more of a payment recipient, a payment account, a sender account, and a payment amount; based on the context, automatically determining, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction; when the determined payment transaction type is the payment receiving transaction, automatically sending a transaction request to a financial institution without requesting financial information, authorizing, or confirmations, wherein the transaction request associated with the payment receiving transaction includes at least the unique code, and receiving a payment from the financial institution, wherein subsequent to the selection of the payment mode, the payment receiving transaction is automatically performed with no further input by the user after the selection; when the determined payment transaction type is the payment sending transaction, calculating, by the processor, a deposit amount associated with the payment sending transaction related to the user and sending a transaction request associated with the payment sending transaction to the financial institution, wherein the transaction request associated with the payment sending transaction includes at least the unique code, wherein the deposit amount amounts to a predetermined percent from the payment amount, wherein the deposit amount is associated with the mobile payment account of the user in the messaging, calling, and one-touch payment and buying system, and sending a payment from the user to the financial institution, wherein subsequent to the selection of the payment mode, the payment sending transaction is automatically performed with no further input by the user after the selection; receiving, by the processor, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction;
providing at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction and not associated with the payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to the predetermined percent from the payment amount;receiving, by the processor, a selection of the messaging mode via the mode selection elements of the haptic control from the user, wherein the selection of the messaging mode includes a single touching of the mode selection elements associated with the messaging mode; when the selection of the messaging mode is received, providing, by the processor, a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a recipient, the selection of the messaging mode being performed via touching the mode selection elements associated with the messaging mode by the user;
upon receipt of the message and the selection of the recipient, sending, by the processor, the message to the recipient via a data network;receiving, by the processor, a selection of the calling mode via the mode selection elements of the haptic control from the user, wherein the selection of the calling mode includes a single touching of the mode selection elements associated with the calling mode; when the selection of the calling mode is received, providing, by the processor, a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient, the selection of the calling mode being performed via touching the mode selection elements associated with the calling mode by the user; and
upon receipt of the call recipient, performing, by the processor, a call with the call recipient via the data network;and when a selection of the multimedia capture mode is received, initiating with the processor, one or more sensors to capture multimedia;
analyzing with the processor, the single touch to determine a duration of the single touch, and based on the analysis, determine a type of multimedia to be recorded, wherein the type of multimedia includes an image and a video recording, and recording the captured multimedia to the database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A system for messaging, calling, and performing one-touch, one blink, and one gesture financial transactions of a user using a mobile and wearable device, the system comprising:
-
a processor configured to; control a camera of the mobile and wearable device, by a processor of the mobile and wearable device, capture images of gestures by the user and images of blinks of the users eyes, and analyze the images to generate authentication information to authenticate the user, wherein the authentication is required to performed prior to completion of the financial transactions; a motion sensor operably connected to a processor of the mobile and wearable device, and configured to detect gestures of the user, wherein the motion sensor detects; a user swiping left with a finger on a display of the mobile and wearable device, which results in selection of a previous product by the processor; the user swiping right with a finger on the display of the mobile and wearable device, which results in the display of a subsequent product on the display of the mobile and wearable device, tapping on the display of the mobile and wearable device, which results in adding a current product displayed to an online shopping cart of the user; pinching on the display by the motion sensor, which triggers a checkout operation; and a user sticking out their fingers and then making a fist, which results in the motion sensor communicating to the processor, that the financial transaction to purchase the items in the online shopping cart should be approved, and triggering funds to be taken from an account previously linked using an online dashboard from optically scanning payment cards and registering them in an online cloud; wherein the processor is further configured to; receive, by a processor of the mobile and wearable device, payment information and authentication information associated with the user, the payment information being associated with a mobile payment account of the user in a messaging, calling, one-touch, one blink, and one gesture payment and buying system, and the authentication information uniquely identifying the user; generate, a unique code, the unique code encoding the payment information; provide the unique code to the user, wherein the unique code is associated with the user, wherein the unique code is displayed on the mobile and wearable device and encodes at least bank account information, a total price, merchant data, and a user, phone number, and wherein the processor controls the transmission of the transactions and unique code to a point of sale device (POS), payee device, and another mobile and wearable device using Bluetooth Low Energy (BLE); provide, in response to the receiving of the authentication information, a haptic control associated with the messaging, calling, and one-touch payment and buying system, wherein the haptic control comprises a graphic image shown on a display of the mobile and wearable device overlapping other visual elements on the display, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode, wherein the haptic control is compatible with other programs installed on the mobile and wearable device associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode; superimpose, the haptic control on the display of the mobile and wearable device on top of all content displayable of the mobile and wearable device from the other programs, and using the haptic control within the other programs to facilitate at least one of performing payments, messaging, and calling associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode of the mobile and wearable device; receive, a selection of the payment mode via the mode selection elements of the haptic control from the user, wherein the selection of the payment mode includes a single touching of the mode selection elements associated with the payment mode; upon the selection, automatically extract, context from at least one of the other installed programs from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display; and based on the context, automatically determine, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction; when the determined payment transaction type is the payment receiving transaction, automatically send a transaction request to a financial institution without requesting financial information, authorizing, or confirmations, wherein the transaction request associated with the payment receiving transaction includes at least the unique code, and receiving a payment from the financial institution, wherein subsequent to the selection of the payment mode, the payment receiving transaction is automatically performed with no further input by the user after the selection; when the determined payment transaction type is the payment sending transaction, calculate, a deposit amount associated with the payment sending transaction related to the user and send a transaction request associated with the payment sending transaction to the financial institution, wherein the transaction request associated with the payment sending transaction includes at least the unique code, wherein the deposit amount amounts to a predetermined percent from the payment amount, and wherein the deposit amount is associated with the mobile payment account of the user in the messaging, calling, and one-touch payment and buying system, and send a payment from the user to the financial institution, wherein subsequent to the selection of the payment mode, the payment sending transaction is automatically performed with no further input by the user after the selection; receive, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction; provide at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction and not associated with the payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to the predetermined percent from the payment amount; receive a selection of the messaging mode via the mode selection elements of the haptic control from the user, wherein the selection of the messaging mode includes a single touching of the mode selection elements associated with the messaging mode; when the selection of the messaging mode is received, provide, by the processor, a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a recipient, the selection of the messaging mode being performed via touching the mode selection elements associated with the messaging mode by the user; upon receipt of the message and the selection of the recipient, send the message to the recipient via a data network; receive a selection of the calling mode via the mode selection elements of the haptic control from the user, wherein the selection of the calling mode includes a single touching of the mode selection elements associated with the calling mode; when a selection of the calling mode is received, provide a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient, the selection of the calling mode being performed via touching the mode selection elements associated with the calling mode by the user; upon receipt of the call recipient, perform a call with the call recipient via the data network; and when a selection of the multimedia capture mode is received, initiate one or more sensors to capture multimedia;
analyze the single touch to determine a duration of the single touch, and based on the analysis, determine a type of multimedia to be recorded, wherein the type of multimedia includes an image and a video recording, and record the captured multimedia to the database. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
-
-
20. A system for messaging, calling, and performing one-touch, one blink, and one gesture financial transactions of a user using a mobile and wearable device using a one-touch button, the system comprising:
-
a processor configured to; provide the one-touch button associated with the system; control a camera of the mobile and wearable device, by a processor of the mobile and wearable device, capture images of gestures by the user and images of blinks of the users eyes, and analyze the images to generate authentication information to authenticate the user, wherein the authentication is required to performed prior to completion of the financial transactions; a motion sensor operably connected to a processor of the mobile and wearable device, and configured to detect gestures of the user, wherein the motion sensors detects; a user swiping left with a finger on a display of the mobile and wearable device, which results in selection of a previous product by the processor; the user swiping right with a finger on the display of the mobile and wearable device, which results in the display of a subsequent product on the display of the mobile and wearable device, tapping on the display of the mobile and wearable device, which results in adding a current product displayed to an online shopping cart of the user; pinching on the display by the motion sensor, which triggers a checkout operation; and a user sticking out their fingers and then making a fist, which results in the motion sensor communicating to the processor, that the financial transaction to purchase the items in the online shopping cart should be approved, and triggering funds to be taken from an account previously linked using an online dashboard from optically scanning payment cards and registering them in an online cloud; wherein the processor is further configured to; receive, by a processor of the mobile and wearable device, payment information and authentication information associated with the user, the payment information being associated with a mobile payment account of the user in a messaging, calling, one-touch, one blink, and one gesture payment and buying system, and the authentication information uniquely identifying the user; generate, a unique code, the unique code encoding the payment information; provide the unique code to the user, wherein the unique code is associated with the user, and wherein the unique code is displayed on the mobile and wearable device and encodes at least bank account information, a total price, merchant data, and a user phone number, and wherein the processor controls the transmission of the transactions and unique code to a point of sale device (POS), payee device, and another mobile and wearable device using Bluetooth Low Energy (BLE); provide, in response to the receiving of the authentication information, a haptic control associated with the messaging, calling, and one-touch payment and buying system, wherein the haptic control comprises a graphic image shown on a display of the mobile and wearable device overlapping other visual elements on the display, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode, wherein the haptic control is compatible with other programs installed on the mobile and wearable device associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode; superimpose, the haptic control on the display of the mobile and wearable device on top of all content displayable of the mobile and wearable device from the other programs, and using the haptic control within the other programs to facilitate at least one of performing payments, messaging, and calling associated with the payment mode, the messaging mode, the calling mode, and the multimedia capture mode of the mobile and wearable device; receive, a selection of the payment mode via the mode selection elements of the haptic control from the user, wherein the selection of the payment mode includes a single touching of the mode selection elements associated with the payment mode; upon the selection, automatically extract context from at least one of the other installed programs from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display; and
wherein the extraction includes one or more of a payment recipient, a payment account, a sender account, and a payment amount, the payment mode being operable for offline and online payment transactions;based on the context, automatically determine a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction; when the determined payment transaction type is the payment receiving transaction, automatically send a transaction request to a financial institution without requesting financial information, authorizing, or confirmations, wherein the transaction request associated with the payment receiving transaction includes at least the unique code, and receiving a payment from the financial institution, wherein subsequent to the selection of the payment mode, the payment receiving transaction is automatically performed with no further input by the user after the selection; when the determined payment transaction type is the payment sending transaction, calculate, a deposit amount associated with the payment sending transaction related to the user and send a transaction request associated with the payment sending transaction to the financial institution, wherein the transaction request associated with the payment sending transaction includes at least the unique code, wherein the deposit amount amounts to a predetermined percent from the payment amount, and wherein the deposit amount is associated with the mobile payment account of the user in the messaging, calling, and one-touch payment and buying system, and send a payment from the user to the financial institution, wherein subsequent to the selection of the payment mode, the payment sending transaction is automatically performed with no further input by the user after the selection; receive, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction; provide at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction and not associated with the payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to the predetermined percent from the payment amount; receive a selection of the messaging mode via the mode selection elements of the haptic control from the user, wherein the selection of the messaging mode includes a single touching of the mode selection elements associated with the messaging mode; when the selection of the messaging mode is received, provide, by the processor, a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a recipient, the selection of the messaging mode being performed via touching the mode selection elements associated with the messaging mode by the user; upon receipt of the message and the selection of the recipient, send the message to the recipient via a data network; receive a selection of the calling mode via the mode selection elements of the haptic control from the user, wherein the selection of the calling mode includes a single touching of the mode selection elements associated with the calling mode; when a selection of the calling mode is received, provide a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient, the selection of the calling mode being performed via touching the mode selection elements associated with the calling mode by the user; upon receipt of the call recipient, perform a call with the call recipient via the data network; and when a selection of the multimedia capture mode is received, initiate one or more sensors to capture multimedia; analyze the single touch to determine a duration of the single touch, and based on the analysis, determine a type of multimedia to be recorded, wherein the type of multimedia includes an image and a video recording, and record the captured multimedia to the database. - View Dependent Claims (21, 22, 23, 24)
-
Specification