Systems and methods for messaging, calling, digital multimedia capture and payment transactions

• US 9,652,758 B2
• Filed: 11/07/2016
• Issued: 05/16/2017
• Est. Priority Date: 10/01/2002
• Status: Active Grant

• Current Assignee: Banker of MOBI Incorporated
• Original Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Inventors: Zhou, Dylan T X, Zhou, Andrew H B, Zhou, Tiger T G
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US15/345,349
• Publication Number:
  US 20170053260A1
• Time in Patent Office: 190 Days
• Field of Search: 235379, 705 64, 705 75, 705 39
• CPC Class Codes: G06K 15/00 Arrangements for producing a permanent visual presentation of the output data , e.g. computer output printersprinting or plotting combined with another operation, e.g. with conveying, G06K17/00
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• 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: H04M 1/2755 by optical scanning
• CPC Class Codes: H04M 1/725 Cordless telephones user interfaces specially adapted therefor H04M1/724
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/57 for integrated multimedia messaging subsystem [IMS]
• CPC Class Codes: H04M 15/8083 involving reduced rates or discounts, e.g. time-of-day reductions or volume discounts
• CPC Class Codes: H04W 4/24 Accounting or billing

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.

Claims

1. A computer implemented method for multimedia capture and payment transactions for mobile and wearable devices, the method comprising:

receiving, by one or more processors of the mobile and wearable devices, 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 one or more processors, a second user input, wherein the first input comprises the user touching a mode selection icon on a screen of one of the mobile and wearable devices and the second input comprises the user releasing the mode selection icon;

analyzing, by the one or more processors, 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 and displaying the time on a timer adjacent the mode selection icon;

subsequent to receiving the first and second user inputs, the at least one or more processors displaying a menu proximate to the timer and the mode selection icon, the menu displaying a selectable payment transaction mode and a plurality of selectable submodes of a multimedia capture mode including at least a video capture mode, an audio capture mode, an image capture mode, a text capture mode, and an animation capture mode, wherein each submode is automatically selected based on a corresponding different time between the first user input and the second user input, wherein in the video capture mode the one or more processors capture video from a camera of the mobile and wearable digital device, in the audio capture mode the one or more processors capture audio by selecting audio content from the captured multimedia, in the image capture mode the one or more processors capture an image by frame selection in the captured multimedia, in the text capture mode the one or more processors capture text from at least one of text and speech recognition on the captured multimedia, and in the animation capture mode the one or more processors capture animation by selecting two or more frames in the captured video and cycling them to form an animation;

based on the analysis, automatically selecting, by the one or more processors, the multimedia capture mode or a payment transaction mode;

upon selection of the multimedia capture mode, recording, by the one or more processors, the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is automatically determined based on the time between the first user input and the second user input and the corresponding automatically selected submode capturing the corresponding type of multimedia, and modifying the captured multimedia by network accessible voice changing unit that returns the modified multimedia to the mobile and wearable device for use thereon;

upon selection of the payment transaction mode by the time between the first and second user inputs being greater than a time for selection of the multimedia capture mode, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount, a recipient identifier, and user payment data;

providing on a screen of the mobile and wearable device;

a first icon, upon selection, causing the mobile and wearable device to perform the financial transaction in a face to face manner via a Quick Response (QR) code by the user scanning the QR code associated with the recipient and encoding payment data of the recipient to complete the financial transaction;

a second icon, upon selection, causing the mobile and wearable device to perform the financial transaction in a long distance manner over the internet upon the user selecting the recipient from a contact list; and

a third icon, upon selection, causing the mobile and wearable device to perform the transaction via Bluetooth wireless short range communication subsequent to receiving payment data of the recipient via Bluetooth wireless short range communication;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction comprising transferring a payment amount from an electronically stored virtual currency of a user comprising a face of the user printed thereon, to a recipient, wherein the virtual currency is encrypted by the one or more processors using peer reviewed cryptographic ciphers, transferring the virtual currency directly to the recipient without a third party to transfer the currency to the recipient from the user, and after the transferring, converting the virtual currency transferred to and stored by the recipient by replacing the image of the user with an image of the recipient, responsive to verification of a face of the user captured by the mobile and wearable device against a stored image of a face of the user, wherein the one or more processors of the mobile and wearable device authorizes payment transactions in part by determining that a geographical location of the mobile and wearable device matches a geographic location of the recipient at a time of the selection of the payment transaction mode;

storing the user payment data and the recipient identifier in the database;

wherein the mobile and wearable devices includes at least of one of a 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 (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology;

securing the mobile and wearable device via band adapted to secure the mobile and wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and powering the mobile and wearable device via a rechargeable battery in the band.

2. The method of claim 1, wherein the type of the multimedia includes one or more of a text, a video, an image, an audio, and an animation wherein the payment recipient is selected from one or more of a contact list, a list of recent calls, a list of recent transactions.

3. The method of claim 1, a computer implemented method for using a messaging, for the mobile further comprising:

receiving, by the one or more processors, transaction data from a user,

wherein the transaction data includes at least a payment amount and a recipient;

generating, by the one or more processors, a transaction request based on the transaction data, user financial data, and recipient financial data, wherein the user financial data and the recipient financial data are stored in a database;

providing, by the one or more processors, the transaction request to the recipient via a display of a mobile and wearable device related to the recipient;

receiving, by the one or more processors, from the recipient, a response to the transaction request, wherein the response includes at least one of a transaction confirmation and a transaction cancellation; and

based on the response, selectively performing a transaction associated with the transaction request.

4. The method of claim 1, further comprising:

transferring multimedia data between the user and the recipient,

wherein the multimedia data includes one or more of a text, a video, an image, an audio, an animation, and a geographical location.

5. The method of claim 1, wherein the transaction request is provided to the recipient in a truncated state to protect the user financial data and the recipient financial data, the transaction request in the truncated state including the payment amount and a user identifier.

6. The method of claim 1, further comprising:

receiving the user financial data from the user, the user financial data being stored in the database; and

receiving the recipient financial data from the recipient, the recipient financial data being stored in the database.

7. The method of claim 1, a messaging, calling, and payment method for mobile and wearable devices, further comprising:

one or more processors operable to;

receive transaction data from a user, wherein the transaction data includes at least a payment amount and a recipient;

generate a transaction request based on the transaction data, user financial data, and recipient financial data, wherein the user financial data and the recipient financial data are stored in a database;

provide the transaction request to the recipient via a display of a mobile and wearable device related to the recipient;

receive, from the recipient, a response to the transaction request, wherein the response includes a transaction confirmation and a transaction cancellation;

based on the response, selectively perform a transaction associated with the transaction request; and

the database comprising computer-readable instructions for execution by the one or more processors.

8. The method of claim 1, wherein the user and the recipient are registered in the messaging, calling, and payment system, wherein the user provides the user financial data and a user identifier upon registration, and the recipient provides the recipient financial data and a recipient identifier upon registration, the messaging, calling, and payment system being configured to act as one or more of a smart card, a proximity card, an IC card, a magnetic strip card, and an electronic payment card, the electronic payment card storing card data of one or more debit cards, credit cards, gift cards, loyalty cards, prepaid cards, membership cards, merchant cards, EMV cards, other smart and IC cards.

9. The method of claim 1, wherein the one or more processors are operable to do one or more of the following:

control home appliances and applications through gestures;

recognize gesturing of letters in the mid air as a text;

settle payment of bills in one action by making a single gesture;

detect incoming payments transmissions and alerts through built-in vibration and light-emitting diodes;

use Global Positioning System, iBeacon, or a Bluetooth low energy beacon to make payments at retail stores, restaurants, and make person-to-person payments;

make direct payment by tracking a number with a finger;

make payments between the mobile and wearable devices;

make payments by gesturing a checkmark;

provide hold-to-talk voice messaging, broadcast (one-to-many) messaging, sharing of photographs, videos, and location;

exchange contacts with one or more further users via Bluetooth; and

providing features for contacting people at random, integration with social networking services, machine translation, and embellishing photographs with filters and captions.

10. The method of claim 1, wherein the processor is further configured to:

generate a barcode associated with the recipient identifier;

provide the barcode to the recipient;

receive the barcode from the user, wherein the user scans the barcode from a display of a mobile or wearable device of the receiver;

read the barcode; and

identify the recipient based on the reading, wherein the recipient identifier is provided to the user.

11. The method of claim 1, wherein the processor is further configured to:

receive authorization information from the user and the recipient, and

provide access to the system to the user and the recipient.

12. The method of claim 1, wherein the processor is further configured to transfer multimedia data between the user and the recipient, wherein the multimedia data includes one or more of a text, a video, an image, an audio, an animation, and a geographical location.

13. The method of claim 1, wherein the system is compatible with one or more of the following network standards:

GSM, CDMA, LTE, IMS, Universal Mobile Telecommunication System (UMTS), RFID, 4G, 5G, 6G, 7G, 8G, 9G and upper, the system further comprising an operating system executing on the processor, the operating system including Android, iOS, Firefox OS, window system, wearable OS, and other operating systems, the system being a proprietary, cross-platform instant messaging subscription service for smartphones and selected feature phones that uses Internet for communication, wherein the system is built on an open MQTT protocol, provides multimedia communication and payment services and has integrated web-based chat feature.

14. The method of claim 1, wherein the transaction request is provided to the recipient in a truncated state to protect the user financial data and the recipient financial data, the transaction request in the truncated state including the payment amount and a user identifier.

15. The method of claim 1, wherein the transaction is performed in a virtual currency, or a currency token, or a trade token, the virtual currency or the currency token, or the trade token being customized according to personal data of the user or the recipient.

16. The method of claim 1 further comprising:

a camera configured to provide video calls and to capture one or more barcodes, the one or more barcodes including electronic key data, a link to a web-resource, a payment request, advertising information, and other information, wherein one or more barcodes include a linear dimensional code, a two-dimensional code, a three-dimensional code, a snap tag code, a Quick Response (QR) code, and other machine readable code; and

a microphone to provide audio calls, wherein the audio calls within the system are free of charge, the system being a hybrid peer-to-peer and client-server system.

17. The method of claim 1, wherein the user is a retailer, wherein the system is associated with one or more of an application programming interface (API) and a software development kit (SDK), and wherein mobile and wearable devices are adapted to be scanned by a Point-of-Sale (POS) system.

18. The method of claim 1, wherein the payment is associated with a joint account of the user, the joint account being associated with banks and retailers;

wherein the retailers include one or more of the following organizations;

Wal-Mart, Costco, The Kroger Company, Home Depot, Walgreens Boots Alliance Inc, Target, and ETC; and

wherein the banks include one or more of the following;

Fargo bank, Citibank bank, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Mitsubishi UFJ, HSBC Holdings, JPMorgan Chase, BNP Paribas, Bank of America, and Credit Agricole

wherein the joint account is associated with one or more of the following;

providing cash rewards for net purchases, wherein the cash rewards remain unexpired until the joint account remains open, a zero percent annual percentage rate for purchases and balance transfers, providing cash rewards for mobile wallet net purchases after opening of the joint account, providing cash back redemption options at automated teller machines, providing deposits into a mobile account and a savings account, providing protection of the joint account, wherein the protection includes fraud monitoring, sending alerts, and zero liability protection, providing a zero annual fee, providing bonuses for the purchases, wherein the bonuses include a predetermined number of flying miles, the flying miles being associated with one or more airlines, booking rooms in one or more hotels.