Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services, digital currency, NFC touch payments, mobile digital card barcode payments, and multimedia haptic capture buying
First Claim
1. A method for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the method comprising:
- purchasing, for a price, using the mobile payment service, a mobile and wearable payment device operable to use the mobile payment service;
receiving, by a processor of the mobile payment service, payment information associated with the purchase of the mobile and wearable payment device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile and wearable payment device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;
subsequent to the receiving of the payment information, receiving, by the processor of the mobile payment service, a deposit amount associated with the mobile and wearable payment device purchased by the user, the deposit amount equal to the price of the mobile and wearable payment device purchase;
subsequent to the receiving of the deposit amount, generating, by the processor of the mobile payment service, a unique optical code, the unique optical code encoding the payment information;
performing, by the mobile and wearable payment device, a subsequent product purchase by the user from a merchant, via the mobile payment service, the subsequent product purchase providing, by a processor of the mobile and wearable payment device, the unique optical code and a product barcode obtained by the mobile and wearable payment device from the product, to a display of the mobile device;
displaying, by the display of the mobile and wearable payment device, the unique optical code and the product barcode;
completing the subsequent product purchase by the merchant scanning the unique optical code and product barcode from the display of the mobile and wearable payment device;
providing by the merchant, to the processor of the mobile payment service, the unique optical code and the product barcode;
providing, from the deposit amount, at least one of a compensation, a rebate, a cashback, and a reward to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being a predetermined percentage of a total cost for the subsequent product purchase;
providing the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the subsequent product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the subsequent product purchase and the product purchases made subsequently do not exceed the price of the mobile and wearable payment device, and can only be applied to payment of the mobile payment service. receiving, by the processor, a first user input;
based on the first user input, initiating one or more sensors to capture multimedia to obtain captured multimedia;
receiving, by the processor, a second user input;
analyzing, by the processor, data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input;
based on the analysis, selectively selecting, by the processor, a multimedia capture mode or a payment transaction mode;
if the multimedia capture mode is selected, recording, by the processor, the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input;
if the payment transaction mode is selected, receiving, by the processor, transaction data, wherein the transaction data includes at least a payment amount and a recipient;
based on the transaction data, user payment data, and recipient payment data, performing, by the processor, a payment transaction, wherein the user payment data, the deposit amount, and the recipient payment data are stored in the database;
wherein the first user input and the second user input are performed on the mobile and wearable payment device, the mobile and wearable payment device including one or more of the following;
handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System watch, a mixed reality device, a computer-mediated reality device, and a clothing technology device, the mobile device having a band adapted to secure the mobile device on a human body, the human body including one or more of the following;
a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile device under, within, or on clothing, and wherein the payment transaction mode is operable to process the product purchase and subsequent product purchases.
1 Assignment
0 Petitions
Accused Products
Abstract
Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code to the user. The method may continue with receiving a deposit amount associated with a purchase related to the user. The purchase may be made via the mobile payment service. The method may further include receiving a notification about a further purchase of the user via the mobile payment service. The notification may include at least the unique code and a product barcode. The product barcode may be associated with the further purchase. The method may further include providing a compensation from the deposit amount to the user. The compensation may be associated with a payment amount associated with the further purchase.
40 Citations
19 Claims
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1. A method for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the method comprising:
- purchasing, for a price, using the mobile payment service, a mobile and wearable payment device operable to use the mobile payment service;
receiving, by a processor of the mobile payment service, payment information associated with the purchase of the mobile and wearable payment device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile and wearable payment device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;
subsequent to the receiving of the payment information, receiving, by the processor of the mobile payment service, a deposit amount associated with the mobile and wearable payment device purchased by the user, the deposit amount equal to the price of the mobile and wearable payment device purchase;
subsequent to the receiving of the deposit amount, generating, by the processor of the mobile payment service, a unique optical code, the unique optical code encoding the payment information;
performing, by the mobile and wearable payment device, a subsequent product purchase by the user from a merchant, via the mobile payment service, the subsequent product purchase providing, by a processor of the mobile and wearable payment device, the unique optical code and a product barcode obtained by the mobile and wearable payment device from the product, to a display of the mobile device;
displaying, by the display of the mobile and wearable payment device, the unique optical code and the product barcode;
completing the subsequent product purchase by the merchant scanning the unique optical code and product barcode from the display of the mobile and wearable payment device;
providing by the merchant, to the processor of the mobile payment service, the unique optical code and the product barcode;
providing, from the deposit amount, at least one of a compensation, a rebate, a cashback, and a reward to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being a predetermined percentage of a total cost for the subsequent product purchase;
providing the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the subsequent product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the subsequent product purchase and the product purchases made subsequently do not exceed the price of the mobile and wearable payment device, and can only be applied to payment of the mobile payment service. receiving, by the processor, a first user input;
based on the first user input, initiating one or more sensors to capture multimedia to obtain captured multimedia;
receiving, by the processor, a second user input;
analyzing, by the processor, data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input;
based on the analysis, selectively selecting, by the processor, a multimedia capture mode or a payment transaction mode;
if the multimedia capture mode is selected, recording, by the processor, the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input;
if the payment transaction mode is selected, receiving, by the processor, transaction data, wherein the transaction data includes at least a payment amount and a recipient;
based on the transaction data, user payment data, and recipient payment data, performing, by the processor, a payment transaction, wherein the user payment data, the deposit amount, and the recipient payment data are stored in the database;
wherein the first user input and the second user input are performed on the mobile and wearable payment device, the mobile and wearable payment device including one or more of the following;
handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System watch, a mixed reality device, a computer-mediated reality device, and a clothing technology device, the mobile device having a band adapted to secure the mobile device on a human body, the human body including one or more of the following;
a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile device under, within, or on clothing, and wherein the payment transaction mode is operable to process the product purchase and subsequent product purchases. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
- purchasing, for a price, using the mobile payment service, a mobile and wearable payment device operable to use the mobile payment service;
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17. A system for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the system comprising:
a processor configured to; receive payment information associated with a user purchase, for a price, of a mobile and wearable payment device operable to use the mobile payment service, made via the mobile payment service, the payment information being associated with a mobile payment account of the user in the mobile payment service, wherein the payment information is associated with a mobile payment account of the user in the mobile payment service who purchased the mobile and wearable payment device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service;
subsequent to the receiving of the payment information, receive a deposit amount associated with the purchase of the mobile and wearable payment device, the deposit amount equal to the price of the mobile and wearable payment device;subsequent to the receiving of the deposit amount, generate a unique code, the unique code encoding the payment information; provide the unique code to the user; receive a notification about a further product purchase of the user made on the mobile and wearable payment device via the mobile payment service at a merchant selling the product, the notification including at least the unique code and a product barcode obtained from the product by the mobile and wearable payment device, the product barcode being associated with the further purchase;
receive, from the merchant, the unique optical code and the product barcode obtained by the merchant from the display of the mobile and wearable payment device;provide at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with a payment amount associated with the further purchase, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to a predetermined percent of a total cost of the further product purchase;
provide the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the further product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the further product purchase and the product purchases made subsequently do not exceed the price of the mobile and wearable device, and can only be applied to payment of the mobile payment service; and
wherein the processor is further configured to receive, a first user input;
based on the first user input, initiate one or more sensors to capture multimedia to obtain captured multimedia;
receive a second user input;
analyze data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input;
based on the analysis, selectively select, a multimedia capture mode or a payment transaction mode;
if the multimedia capture mode is selected, record the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input;
if the payment transaction mode is selected, receive transaction data, wherein the transaction data includes at least a payment amount and a recipient;
based on the transaction data, user payment data, and recipient payment data, perform a payment transaction, wherein the user payment data, the deposit amount, and the recipient payment data are stored in the database;
wherein the first user input and the second user input are performed on the mobile and wearable payment device, the mobile and wearable payment device including one or more of the following;
handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System watch, a mixed reality device, a computer-mediated reality device, and a clothing technology device, the mobile device having a band adapted to secure the mobile device on a human body, the human body including one or more of the following;
a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile device under, within, or on clothing, and wherein the processor in the payment transaction mode is operable to process the product purchase and subsequent product purchases.- View Dependent Claims (18, 19)
Specification