System and method for initiating transactions on a mobile device

• US 9,596,237 B2
• Filed: 12/13/2011
• Issued: 03/14/2017
• Est. Priority Date: 12/14/2010
• Status: Active Grant

• Current Assignee: Sticky IO Incorporated
• Original Assignee: SALT Technology, Inc.
• Inventors: Law, Simon, Poon, Dennis, Burnison, Richard, Bokser, Jerry
• Primary Examiner(s): Reagan, James A
• Application Number:
  US13/324,888
• Publication Number:
  US 20120150750A1
• Time in Patent Office: 1,918 Days
• Field of Search: 705/76
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• 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 20/3821 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 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys
• CPC Class Codes: H04W 60/00 Affiliation to network, e.g. registration; Terminating affiliation with the network, e.g. de-registration
• CPC Class Codes: H04W 8/26 Network addressing or numbering for mobility support

Abstract

Systems and methods are provided for providing a more seamless purchasing experience using a mobile device. The mobile device acquires data, such a barcode image, an image of an object or text, or audio data. A non-limiting example of a barcode is a Quick Response (QR) barcode. The acquired data is then used to obtain a network address of a payment website or webpage, which allows a user to make a purchase for a given product or service. The mobile device then launches the payment website or webpage. A user can enter into the mobile device, through the payment website or webpage, a supplemental ID used for authenticating the transaction.

Claims

1. A method implemented by a mobile computing device for securely purchasing products or services, the method comprising:

at the mobile computing device comprising a camera, a display and a processor,

scanning an object related to an item being purchased, using the camera of the mobile computing device, to obtain an image of the object, the item comprising a product or a service;

processing the image to generate image data related to the item being purchased;

determining whether the image data includes a network address associated with a payment website for purchasing the item;

in response to determining that the image data includes the network address associated with the payment website for purchasing the item;

launching the payment website using the network address associated with the payment website, wherein the launching comprises displaying, on the display of the mobile computing device, a graphical user interface (GUI) comprising a selectable button for initiating a transaction to purchase the item and an entry field for entering a supplemental ID for verifying the transaction to purchase the item;

in response to detecting selection of the selectable button;

receiving, from the entry field, the supplemental ID;

obtaining a device ID derived from one or more hardware components of the mobile computing device;

sending authentication data to a payment gateway server storing a payment ID in association with the authentication data for authenticating the transaction to purchase the item, the authentication data comprising the device ID and the supplemental ID; and

,

receiving, from the payment gateway server, confirmation of authentication of the transaction to purchase the item when the payment gateway server retrieves a payment ID of a payment account associated with the device ID and successfully verifies the payment ID and the supplemental ID.

2. The method of claim 1, further comprising receiving, via the GUI, one or more parameters associated with the transaction.

3. The method of claim 2 wherein the one or more parameters includes a quantity of the item being purchased.

4. The method of claim 1, further comprising:

absent determining that the image data includes the network address associated with the payment website for purchasing the item;

determining whether the image data comprises on identifier associated with the item being purchased;

in response to determining that the image data includes the identifier associated with the item being purchased;

searching a database using the identifier, wherein the database is configured to store network addresses in association with item identifiers;

in response to determining that the identifier matches an item identifier;

retrieving the network address associated with the item identifier;

launching the payment website using the network address associated with the item identifier, wherein launching comprises displaying, on the display of the mobile computing device, the GUI comprising the selectable button for initiating the transaction to purchase the item and the entry field for entering the supplemental ID for verifying the transaction to purchase the item;

in response to detecting selection of the selectable button;

receiving, from the entry field, the supplemental ID;

obtaining the device ID derived from the one or more hardware components of the mobile computing device;

sending authentication data to the payment gateway server for authenticating the transaction to purchase the item, the authentication data comprising the device ID and the supplemental ID; and

,

receiving, from the payment gateway server, confirmation of authentication of the transaction to purchase the item when the payment gateway server retrieves a payment ID of a payment account associated with the device ID and successfully verifies the payment ID and the supplemental ID.

5. The method of claim 4, wherein the identifier associated with the item being purchased comprises one of a serial number of the item and a name of the item.

6. The method of claim 1 wherein the image of the object related to the item being purchased is a barcode encoding the network address and wherein the processing comprises decoding the barcode to generate the image data comprising the network address.

7. The method of claim 1 wherein the image of the object related to the item being purchased comprises text and wherein the processing comprising processing the image using optical character recognition process to generate the image data comprising the network address.

8. The method of claim 1 wherein the image of the object related to the item being purchased is a video image of the item being purchased, and wherein the processing comprises processing the image using on image recognition process to generate the image data.

9. The method of claim 1 wherein the image of the object related to the item being purchased is a still image of the item being purchased.

10. The method of claim 1 wherein the authentication data further comprises a digital signature.

11. The method of claim 10 wherein the digital signature was received from the payment gateway and the digital signature was computed by signing a mobile device ID.

12. A non-transitory computer readable medium comprising computer executable instructions that, when executed by a mobile computing device comprising a camera, a display, and a processor, cause the processor of the mobile computing device to perform operations for securely purchasing products or services comprising:

scanning on object related to an item being purchased, using the camera of the mobile computing device, to obtain on image of the object, the image comprising image data;

processing the image to generate image data related to the item being purchased;

determining whether the image data includes a network address associated with a payment website for purchasing the item;

in response to determining that the image data includes the network address associated with the payment website for purchasing the item;

launching the payment website using the network address associated with the payment website, wherein the launching comprises displaying, on the display of the mobile computing device, a graphical user interface (GUI) comprising a selectable button for initiating a transaction to purchase the item and on entry field for entering a supplemental ID for verifying the ion to purchase the item;

in response to detecting selection of the selectable button;

receiving, from the entry field, the supplemental ID;

obtaining a device ID derived from one or more hardware components of the mobile computing device; and

sending authentication data to the payment gateway server for authenticating the transaction to purchase the item, the authentication data comprising the device ID and the supplemental ID; and

,

receiving, from the payment gateway server, confirmation of authentication of the transaction to purchase the item when the payment gateway server retrieves a payment ID of a payment account associated with the device ID and successfully verifies the payment ID and the supplemental ID.

13. A mobile computing device for securely purchasing products or services, the mobile device comprising:

a camera;

a display;

a processor operably coupled to the camera and the display for;

scanning an object related to an item being purchased, using the camera of the computing device, to obtain an image of the object, the item comprising a product or a service being purchased;

processing the image to generate image data related to the item being purchased;

determining whether the image data includes a network address associated with a payment website for purchasing the item;

in response to determining that the image data includes the network address associated with the payment website for purchasing the item;

launching the payment website using the network address associated with the payment website, wherein the launching comprises displaying, on the display of the mobile computing device, a graphical user interface (GUI) comprising a selectable button for initiating a transaction to purchase the item and an entry field for entering a supplemental ID for verifying the transaction to purchase the item;

in response to detecting selection of the selectable button;

receiving, from the entry field, the supplemental ID;

obtaining a device ID derived from one or more hardware components of the computing device; and

sending authentication data to the payment gateway server to purchase the item, the authentication data comprising the device ID and the supplemental ID; and

,

receiving, from the payment gateway server, confirmation of authentication of the transaction to purchase the item when the payment gateway server retrieves a payment ID of a payment account associated with the device ID and successfully verifies the payment ID and the supplemental ID.