Financial transaction processing with digital artifacts and multiple payment methods using a server

  • US 10,140,603 B2
  • Filed: 10/05/2015
  • Issued: 11/27/2018
  • Est. Priority Date: 11/30/2007
  • Status: Active Grant
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First Claim
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1. A method for processing a contactless payment transaction, comprising:

  • maintaining, at a remote management server, a plurality of payment methods;

    receiving at the remote management server a payment account identifier from a point of sale terminal over a third communication channel, wherein the point of sale terminal receives the payment account identifier over a second communication channel that utilizes contactless communication from a payment application, wherein the payment application receives the payment account identifier selected from a plurality of payment account identifiers through user input via a mobile device display, the payment application maintaining the payment account identifier in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device display, a mobile device processor, a mobile device wireless interface that utilizes at least one of CDMA, GSM, or WIFI, wherein a first communication channel, the second communication channel and the third communication channel are all different;

    processing at the remote management server the contactless payment transaction using a payment method corresponding to the payment account identifier; and

    after the contactless payment transaction has been processed by the remote management server, transmitting, over the first communication channel, a digital artifact from the remote management server to the payment application for storage on the mobile device and display within a specific payment application generated screen, wherein the digital artifact is displayed using the mobile device display, wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.

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