REMOTE TRANSACTION PROCESSING USING A MOBILE DEVICE

• US 20160253644A1
• Filed: 03/21/2016
• Published: 09/01/2016
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Michelle T. Fisher
• Original Assignee: Miichelle Fisher
• Inventors: Fisher, Michelle
• Granted Patent: US 10,699,259 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 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 that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, and a mobile device radio interface;

receiving a list of products from a management server for display using the non- browser based application;

receiving an identification of one or more products selected from the list of products from non-browser based application, the one or more products selected by the user via the mobile device display;

sending the identification of one or more products to the management server;

receiving a transaction purchase request from the non-browser based application, the transaction purchase request received from the user via the mobile device display and further wherein the transaction purchase request includes information relating to the identification of the one or more products;

sending the transaction purchase request to the management server;

receiving user input login information from the non-browser based application, the user input login information received from the user via the mobile device display;

sending the user input login information to the management server; and

receiving information authenticating the user associated with the user input login information from the management server and further wherein the management server receives a transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed.

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

3. The method of claim 1, wherein the payment method is a user selected payment method.

4. The method of claim 1, wherein the user input login information includes biometric data.

5. The method of claim 1, wherein the user input login information includes a personal identification number (PIN).

6. The method of claim 1, further wherein after the transaction has processed, a digital artifact is sent to the mobile device.

7. The method of claim 6, wherein the digital artifact comprises a receipt, advertisement, coupon, content, media, or a ticket.

8. The method of claim 6, wherein the digital artifact includes metadata operable to trigger a call to action.

9. The method of claim 6, wherein the call-to-action comprises entering an email address, accepting the coupon, accepting a reward, opt-in for alerts, and opt-in for notifications.

10. A mobile device for processing a transaction, comprising:

a mobile device memory included in a mobile device, the mobile device memory configured to store a non-browser based application, wherein the non-browser based application is a mobile operating system platform based mobile application that is preinstalled or downloaded and installed on the mobile device;

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

a mobile device input interface configured to

receive a list of products from a management server for display using the non-browser based application;

receive an identification of one or more products selected from the list of products from non-browser based application, the one or more products selected by the user via the mobile device display;

receive a transaction purchase request from the non-browser based application, the transaction purchase request received from the user via the mobile device display and further wherein the transaction purchase request includes information relating to the identification of the one or more products;

receive user input login information from the non-browser based application, the user input login information received from the user via the mobile device display; and

receive information authenticating the user associated with the user input login information from the management server and further wherein the management server receives a transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed.

a mobile device output interface configured to;

send the identification of one or more products to the management server;

send the transaction purchase request to the management server; and

the user input login information to the management server.

11. The mobile device of claim 10, wherein the payment method is a default payment method.

12. The mobile device of claim 10, wherein the payment method is a user selected payment method.

13. The mobile device of claim 10, wherein the user input login information includes biometric data.

14. The mobile device of claim 10, wherein the user input login information includes a personal identification number (PIN).

15. The mobile device of claim 10, further wherein after the transaction has processed, a digital artifact is sent to the mobile device.

16. The mobile device of claim 15, wherein the digital artifact comprises a receipt, advertisement, coupon, content, media, or a ticket.

17. The mobile device of claim 15, wherein the digital artifact includes metadata operable to trigger a call to action.

18. The mobile device of claim 17, wherein the call-to-action comprises entering an email address, accepting the coupon, accepting a reward, opt-in for alerts, and opt-in for notifications.

19. The mobile device of claim 10, wherein the mobile device includes a secure element configured to process transactions using the Near Field Communications (NFC) protocol.

20. A non-transitory computer readable medium for processing a transaction, comprising:

computer code for receiving a list of products from a management server for display using the non-browser based application;

computer code for receiving an identification of one or more products selected from the list of products from non-browser based application, the one or more products selected by the user via, the mobile device display;

computer code for sending the identification of one or more products to the management server;

computer code for receiving a transaction purchase request from the non-browser based application, the transaction purchase request received from the user via the mobile device display and further wherein the transaction purchase request includes information relating to the identification of the one or more products;

computer code for sending the transaction purchase request to the management server;

computer code for receiving user input login information from the non-browser based application, the user input login information received from the user via the mobile device display;

computer code for sending the user input login information to the management server; and

computer code for receiving information authenticating the user associated with the user input login information from the management server and further wherein the management server receives a transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed.