Remote transaction processing using a mobile device

  • US 10,699,259 B2
  • Filed: 03/21/2016
  • Issued: 06/30/2020
  • Est. Priority Date: 11/30/2007
  • Status: Active Grant
First Claim
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1. A method for processing a transaction, comprising:

  • maintaining a non-browser based application in a mobile device memory included in a mobile device, wherein the non-browser based application is a mobile operating system platform based mobile application with a graphical user interface which includes a graphical icon 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, the mobile device comprising the mobile device memory, a mobile device display, a mobile device processor, and a mobile device wireless radio interface, a mobile device wireless fidelity (Wi-Fi) interface that supports voice and data interactions through a first wireless communication channel device using at least one of GSM and CDMA;

    receiving, at the non-browser based application generated screen, a list of products from a remote management server for display using the non-browser based application;

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

    sending, from the non-browser based application generated screen, the identification of one or more products to the remote management server;

    receiving 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 from the user via the mobile device display;

    sending, from the non-browser based application generated screen, the transaction purchase request to the remote management server;

    receiving user input login information including an identification code associated with the user from the non-browser based application generated screen, wherein the non-browser based application receives the user input login information through user input via the mobile device display;

    sending, from the non-browser based application generated screen, the user input login information to the remote management server; and

    receiving information authenticating the user associated with the user input login information from the remote management server and further wherein the remote management server receives a transaction verification from a transaction server which processes the transaction using a payment method that corresponds to the identification code associated with the user, wherein the payment method is stored at the remote management server;

    wherein the transaction verification indicates that the transaction has processed, andreceiving, at the mobile device, the one or more products from the remote management server.

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