Remote transaction processing at a server with authentication before a product list

• US 10,248,939 B2
• Filed: 04/15/2014
• Issued: 04/02/2019
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/253,663
• Publication Number:
  US 20140310161A1
• Time in Patent Office: 1,813 Days
• Field of Search: 705 7, 705 141, 705 16, 705 18, 705 30, 705 35, 705 267, 705 40, 705 41, 705 44, 705 1467, 705 1472, 705 261, 705 24, 705 28, 705 2662, 705 1451, 705 1452, 705 26, 705 39, 705 65, 705 2681, 705 271, 705 64, 455406, 455407, 4554141, 455411, 380201, 713153
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• 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 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method for processing a transaction, comprising:

maintaining, at the remote management server, a payment method;

receiving, at the remote management server, user input login information including an identification code associated with a user and information related to a PIN from a non-browser based application, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the non-browser based application stored on the mobile device receives the user input login information including the identification code associated with a user and the information related to the PIN through user input via a mobile device display of the mobile device, the mobile device including the mobile device display, a mobile device processor, a mobile device wireless transceiver configured to support voice and data interactions through a first wireless communication channel including at least one of CDMA and GSM, and a mobile device wireless fidelity (Wi-Fi) transceiver;

upon receipt of the user input login information including the identification code associated with a user and the information related to the PIN, authenticating, at the management server, a user associated with the user input login information;

after the user authentication, sending a list of products from the remote management server to the non-browser based application generated screen for display using the non-browser based application generated screen;

receiving, at the remote management server an identification of one or more products selected from a list of products, from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the identification of one or more products selected from the list of products through the user input via the mobile device display of the mobile device;

receiving, at the remote management server a transaction purchase request from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the transaction purchase request through the user input via the mobile device display of the mobile device;

after receiving the transaction purchase request, transmitting, from the remote management server the payment method to a transaction server which processes the transaction using the payment method;

receiving, at the remote management server, a transaction verification from the transaction server, wherein the transaction verification indicates that the transaction has been processed; and

after the transaction has been processed, sending, from the remote management server to the non-browser based application generated screen, a digital artifact for display within the non-browser based application generated screen using the mobile device display.

2. The method of claim 1, wherein the payment method is a credit card.

3. The method of claim 1, wherein the payment method is a debit card.

4. The method of claim 1, wherein the digital artifact is a receipt, ticket, media, or content.

5. The method of claim 1, wherein the digital artifact is an advertisement or coupon.

6. The method of claim 5, wherein the advertisement or coupon is based on one or more targeting parameters.

7. The method of claim 6, wherein the one or more targeting parameters comprise personal information and transaction related financial information.

8. The method of claim 7, wherein personal information comprises one or more of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

9. The method of claim 7, wherein financial transaction-related information comprises one or more of financial information related to historical payment transactions, financial information related to real-time payment transactions, financial information related to contactless transactions made using the mobile device, financial information related to internet commerce, financial information related to bill pay, financial information related to top spend categories, financial information related to merchants transactions, financial information related to storage of banking information, financial information related to account balance, financial information related to payment history, financial information related to funds transfer, financial information related to tickets, financial information related to receipts, financial information related to coupons, financial information related to transactions made by the user but not through the mobile device, and financial information related to raw data downloaded from banks.

18. The method of claim 1, wherein the digital artifact is can be used by the non-browser based application when there is not a network connection.

20. The method of claim 1, wherein data stored on the mobile device is encrypted using software tools native to the mobile device.

22. The method of claim 1, further wherein the non-browser based application can be used when the mobile device is not connected to a wireless network.

23. The method of claim 22, further wherein the non-browser based application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

24. The method of claim 1, further wherein no sensitive data is stored on the mobile device.

25. The method of claim 24, wherein the sensitive data comprises at least one of information related to the payment method, information related to the user login information, and information related to expiration dates associated with the payment method.

26. The method of claim 1, further wherein the non-browser based application automatically applies the coupon during the transaction.

27. The method of claim 1, further wherein, the non-browser based application generated screen receives input to zoom into an image associated with a product from the list of products which results in a more granular image and more details about the product from the list of products wherein the non-browser based application receives the input to zoom into the image associated with the product from the list of products through user input via the mobile device display of the mobile device.

36. The method of claim 1, further wherein the, non-browser based application sends a request to the remote management server to retransmit the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

37. The method of claim 1, wherein the remote management server sends the digital artifact to the non-browser based application generated screen based on the geographical location of the mobile device.

38. The method of claim 1, further wherein the remote management server is configured to store a single identification code associated with the user for a plurality of mobile devices, and further wherein the configuration means the remote management server scales.

39. The method of claim 1, wherein the graphical user interface includes a graphical icon.

10. A system for processing a transaction, comprising

a mobile device including

a mobile device display;

a mobile device processor;

a mobile device memory which maintains a non-browser based application, wherein the non-browser based application is a mobile operating system platform non browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, wherein the non-browser based application only generates a non-browser based application generated screen, the non-browser based application generated screen corresponding to a specific screen or area of the non-browser based application;

a mobile device wireless transceiver configured to support voice and data interactions through a first wireless communication channel including at least one of CDMA and GSM, and

a mobile device wireless fidelity (Wi-Fi) transceiver;

a transaction server;

a remote management server that includes;

a remote management server memory that maintains a payment method;

a remote management server interface that;

receives user input login information including an identification code associated with a user and information related to a PIN from the non-browser based application, wherein the non-browser based application receives the user input login information including the identification code associated with a user and the information related to the PEN through user input via the mobile device display of the mobile device,

after user authentication, sends a list of products to the non-browser based application generated screen for display using the non-browser based application generated screen;

receives an identification of one or more products selected from a list of products from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the identification of one or more products selected from the list of products through the user input via the mobile device display of the mobile device;

receives a transaction purchase request from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the transaction purchase request through the user input via the mobile device display of the mobile device;

after receiving the transaction purchase request, transmits the payment method to the transaction server which processes the transaction using the payment method;

receives a transaction verification from the transaction server, wherein the transaction verification indicates that the transaction has been processed; and

after the transaction has been processed, sends a digital artifact to the non-browser based application for display within the non-browser based application generated screen using the mobile device display; and

a remote management server processor that;

upon receipt of the user input login information i including the identification code associated with a user and the information related to the PIN authenticates the user associated with the user input login information.

11. The system of claim 10, wherein the payment method is a credit card.

12. The system of claim 10, wherein the payment method is a debit card.

14. The system of claim 10, wherein the digital artifact is a receipt, ticket, media, or content.

15. The system of claim 10, wherein the digital artifact is an advertisement or coupon.

16. The system of claim 10, wherein the advertisement or coupon is based on one or more targeting parameters.

17. The system of claim 16, wherein the one or more targeting parameters comprise personal information and financial transaction related information.

19. The system of claim 10, wherein the digital artifact is can be used by the non-browser based application when there is not a network connection.

21. The system of claim 10, wherein data stored on the mobile device is encrypted using software tools native to the mobile device.

28. The system of claim 10, further wherein the non-browser based application can be used when the mobile device is not connected to a wireless network.

29. The system of claim 28, further wherein the non-browser based application monitors for access to the wireless network and automatically reconnects to the wireless network when the wireless network is available.

30. The system of claim 10, further wherein no sensitive data is stored on the mobile device.

31. The system of claim 30, wherein the sensitive data comprises at least one of information related to the payment method, information related to the user login information, and information related to expiration dates associated with the payment method.

32. The system of claim 10, further wherein the non-browser based application automatically applies the coupon during the transaction.

33. The system of claim 10, further wherein, the non-browser based application generated screen receives input to zoom into an image associated with a product from the list of products which results in a more granular image and more details about the product from the list of products, wherein the non-browser based application receives the input to zoom into the image associated with the product from the list of products through user input via the mobile device display of the mobile device.

34. The system of claim 17, wherein personal information comprises one or more of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

35. The system of claim 17, wherein financial transaction related information comprises one or more of financial information related to historical payment transactions, financial information related to real-time payment transactions, financial information related to contactless transactions made using the mobile device, financial information related to Internet commerce, financial information related to bill pay, financial information related to top spend categories, financial information related to merchant transactions, financial information related to storage of banking information, financial information related to account balance, financial information related to payment history, financial information related to funds transfer, financial information related to tickets, financial information related to receipts, financial information related to coupons, financial information related to transactions made by the user but not through the mobile device, and financial information related to raw data downloaded from banks.

40. The system of claim 10, further wherein the, non-browser based application sends a request to the remote management server retransmit the digital artifact if it has not received the digital artifact from the remote management server within a certain period of time.

41. The system of claim 10, wherein the remote management server sends the digital artifact to the non-browser based application generated screen based on the geographical location of the mobile device.

42. The system of claim 10, further wherein the remote-management server is configured to store a single identification code associated with the user for a plurality of mobile devices, and further wherein the configuration means the remote management server scales.

43. The system of claim 10, wherein the graphical user interface includes a graphical icon.

13. A remote management server for processing a transaction comprising:

a remote management server memory that maintains a payment method;

a remote management server transceiver that;

receives user input login information including an identification code associated with a user and information related to a PIN from a non-browser based application, wherein the non-browser based application is a mobile operating system platform non browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on a mobile device, wherein the non-browser based application receives the user input login information including the identification code associated with a user and the information related to the PIN through user input via a mobile device display of the mobile device, the non-browser based application generated screen corresponding to a specific screen or area of the non-browser based application, the mobile device including the mobile device display, a mobile device processor, a mobile device wireless transceiver configured to support voice and data interactions through a first wireless communication channel including at least one of CDMA and GSM, and a mobile device wireless fidelity (Wi-Fi) transceiver;

after user authentication, sends a list of products to the non-browser based application generated screen for display using the non-browser based application generated screen;

receives an identification of one or more products selected from a list of products, from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the identification of one or more products selected from the list of products through the user input via the mobile device display of the mobile device;

receives a transaction purchase request from the non-browser based application generated screen, wherein the non-browser based application generated screen receives the transaction purchase request through the user input via the mobile device display of the mobile device;

after receiving the transaction purchase request, transmits the payment method to a transaction server which processes the transaction using the payment method;

receives a transaction verification from a transaction server, wherein the transaction verification indicates that the transaction has been processed; and

after the transaction has been processed, sends a digital artifact to the non-browser based application generated screen for display within the non-browser based application generated screen using the mobile device display; and

a remote management server processor that;

upon receipt of the user input login information including the identification code associated with a user and the information related to the PIN, authenticates the user associated with the user input login information.