ONE GESTURE, ONE BLINK, AND ONE-TOUCH PAYMENT AND BUYING USING HAPTIC CONTROL VIA MESSAGING AND CALLING MULTIMEDIA SYSTEM ON MOBILE AND WEARABLE DEVICE, CURRENCY TOKEN INTERFACE, POINT OF SALE DEVICE, AND ELECTRONIC PAYMENT CARD

• US 20160275483A1
• Filed: 05/31/2016
• Published: 09/22/2016
• Est. Priority Date: 10/01/2002
• Status: Active Grant

• Current Assignee: Dylan T.X. Zhou
• Original Assignee: Dylan T.X. Zhou
• Inventors: Zhou, Dylan T. X.
• Granted Patent: US 9,576,285 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06K 19/06112 the marking being simulated using a light source, e.g. a barcode shown on a display or a laser beam with time-varying intensity profile
• CPC Class Codes: G06K 7/1095 the scanner comprising adaptations for scanning a record carrier that is displayed on a display-screen or the like
• CPC Class Codes: G06Q 20/065 using e-cash
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/321 using wearable devices
• 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: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/343 Cards including a counter
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: H04B 1/385 Transceivers carried on the body, e.g. in helmets
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861
• CPC Class Codes: H04M 1/7243 : with interactive means for internal management of messages
• CPC Class Codes: H04M 1/72469 : for operating the device by selecting functions from two or more displayed items, e.g. menus or icons
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 4/60 : Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
• 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 76/14 : Direct-mode setup

Abstract

Methods and systems for messaging, calling, and one blink, one-touch, and one gesture payments and buying via mobile and wearable devices are disclosed. An exemplary system comprises a database in communication with a processor, the processor configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction

Claims

1. A method for messaging, calling, and one-touch, one blink, and one gesture payments and buying using a mobile and wearable device, the method comprising:

employing a motion sensor for its gesture functionality, transactions are transmitted to a point-of-sales (POS) device, payee device and another mobile and wearable device using Bluetooth Low Energy (BLE);

using user'"'"'s hand, a series of gestures such as sticking certain fingers out and then making a fist would approve the transaction and trigger funds to be taken from the account previously linked using an online dashboard;

using the following gestures to trigger the following actions;

swipe right—

selects the next product

swipe left—

selects the previous product

sap—

adds the current product to the cart

pinch—

checks out using one gesture check out system

using a processor; and

memory storing instructions that, when executed by the processor,

capturing a gesture or a blink using a camera of the AR and VR computing device

cause the gesture or blink to be analyzed to attempt to recognize an identity of the person contained in the images;

authenticate the user as a result of the identity of the person being recognized as the user associated with the identifying information

cause the transaction to be completed once one gesture or one blink of the user is authenticated;

receiving, by a processor the mobile and wearable device, payment information associated with a user, the payment information being associated with a mobile payment account of the user in a messaging, calling, and one-touch, one blink and one gesture payment and buying system;

generating, by the processor, a unique code, the unique code encoding the payment information;

providing, the processor, the unique code to the user;

providing, by the processor, a haptic control associated with the messaging, calling, and one-touch, one blink and one gesture payment and buying system, wherein the haptic control is shown on a display of the mobile and wearable device overlapping other visual elements, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;

receiving, by the processor, a selection of the payment mode via the mode selection elements of the haptic control from a user;

upon the selection, extracting, by the processor, context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display;

based on the context, determining, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction;

based on the determining, automatically sending a transaction request to a financial institution without requesting financial information, authorizing, or confirmations;

if the transaction request is associated with the payment sending transaction, receiving, by the processor, a deposit amount associated with the payment sending transaction related to the user;

receiving, by the processor, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction;

providing at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to a predetermined percent from the payment amount.

2. The method of claim 1, wherein the sensing and haptic control is integrated with at least one mobile application associated with the mobile and wearable device, augmented reality (AR) device and virtual reality (VR) device.

3. The method of claim 1, wherein the financial data and authorizing data associated with the user is provided by the user during registration and stored in the messaging, calling, and one-touch and one gesture payment and buying system.

4. The method of claim 1, wherein the determining includes parsing of the context extracted from the display.

5. The method of claim 1, further comprising:

receiving, by the processor, a selection of the messaging mode via the mode selection elements of the haptic control from the user;

upon the selection, providing, by the processor, a messaging interface on the display of the mobile and wearable device;

receiving, by the processor, via the messaging interface, a message and a choice of a recipient from the user; and

sending, by the processor, the message to the recipient via a data network.

6. The method of claim 1, further comprising:

receiving, by the processor, a selection of the calling mode via the mode selection elements of the haptic control from the user;

upon the selection, providing, by the processor, a calling interface on the display of the mobile and wearable device; and

receiving, by the processor, via the calling interface, a call recipient from the user; and

performing, by the processor, the call with the call recipient via a data network.

7. The method of claim 6, wherein the call is performed via a Voice over Internet Protocol (VoIP) service, the VoIP service being provided via Wi-Fi, 3G network, 4G network, 5G network, 6G network or upper.

8. The method of claim 6, wherein the call is selected from a group comprising:

an audio call, a video call, and a holographic video call.

9. The method of claim 1, wherein the financial information includes one or more of the following:

bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile currency information, and digital money.

10. The method of claim 1, wherein the transaction request is associated with a virtual currency.

11. A messaging, calling, and one-touch and one gesture and one blink payment and buying system comprising:

a processor configured to;

provide a haptic control associated with a messaging, calling, and one-touch and one gesture and one blink payment and buying system, wherein the haptic control is shown on a display of a mobile and wearable device overlapping other visual elements, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;

receive a selection of the payment mode via the mode selection elements of the haptic control from a user;

upon the selection, extract context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display;

based on the context, determine a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction; and

based on the determining, automatically send a transaction request to a financial institution using the extraction without requesting financial information, authorizing, or confirmations, wherein the transaction request includes a unique code associated with the user and displayed on the mobile and wearable device, the unique code encoding at least bank account information, a total price, merchant data, and a user phone number; and

a database in communication with the processor, the database configured to store at least the financial information.

12. The system of claim 11, wherein the haptic control is integrated with at least one mobile application associated with the mobile and wearable device, wherein the at least one mobile application is integrated into a software development kit and an operating system of the mobile and wearable device, wherein the operating system is selected from a group comprising:

iOS, Android, and Windows Phone, wherein, upon launching of the at least one mobile application by the user, the user is prompted to log in and asked to provide a consent that the at least one mobile application initiates future payments on behalf of the user, wherein during further purchases the at least one mobile application is launched by default without a need for a further action from the user to initiate launching of the at least one mobile application, the further action including entering a login and a password by the user,wherein the at least one mobile application is associated with performing payments and buying products or services in the Internet.

13. The system of claim 12, wherein upon launching of the at least one mobile application by the user, a list of payment cards is provided for selection by the user, the payment cards being associated with one or more of the following:

a bank account, a bank mobile account, a service provider account, a digital currency, a universal national currency token interface, a national digital currency, and an electric payment card;

wherein upon the selection, a token is sent to the mobile and wearable device, the token being associated with a selected payment card, wherein further payments are performed using the token.

14. The system of claim 11, wherein the processor is further configured to download applications, receive and set text, video, and multimedia data.

15. The system of claim 11, wherein the processor is further configured to:

authenticate an identity of the user, the authenticating including one or more of a password authentication, a voice authentication, and a biometric authentication, wherein the biometric authentication includes one or more of a fingerprint authentication, an iris pattern authentication, a heartbeat authentication, and a vein pattern identification;

wherein the vein pattern identification is performed using scanning of one or more of the following;

a palm vein pattern, a wrist vein pattern, a hand vein pattern, a leg vein pattern, a foot vein pattern, a neck vein pattern, and a head vein pattern;

wherein the fingerprint authentication includes scanning fingerprints swiped across one or more or the following;

a screen of the mobile and wearable device, a button of the mobile and wearable device, and a rear panel of the mobile and wearable device.

16. The system of claim 11, wherein the processor is further configured to:

receive a selection of the calling mode via the mode selection elements of the haptic control from the user;

upon the selection, provide a calling interface on the display of the mobile and wearable device; and

receive, via the calling interface, a call recipient from the user; and

perform the call with the call recipient via a data network.

17. The system of claim 11, wherein the payment receiving transaction and the payment sending transaction are performed using a near field communication (NFC), wherein the NFC is used to pair the mobile and wearable device and a merchant device by bringing the mobile and wearable device into proximity to the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein the financial data and authorizing data associated with the user are stored in the cloud network, wherein upon pairing the mobile and wearable device with the merchant device a Bluetooth connection between the mobile and wearable device and the merchant device is established, wherein the payment receiving transaction and the payment sending transaction include at least a pear-to-pear transaction.

18. The system of claim 11, wherein the processor is further operable to receive, based on the determining the payment transaction type which the user intends to perform, data of a payment card associated with the user, wherein the data of the payment card are received by scanning the payment card, the payment card being scanned by a camera of the mobile and wearable device by positioning the payment card in proximity to camera of the mobile and wearable device, wherein the payment card is associated with one or more of the following:

a bank account of the user and a virtual currency account of the user, wherein the bank account of the user and the virtual currency account of the user are linked to a mobile and wearable device number.

19. The system of claim 18, wherein the processor is further operable to store the data of the payment card into a cloud network, wherein the data of the payment card are stored in the cloud network as a token.

20. The system of claim 11, wherein the processor is further operable to receive product data based on scanning of the product data by the mobile and wearable device associated with the user, the product data being associated with one or more products;

calculate a total price for the one or more products; and

receive merchant data, wherein the merchant data are received by scanning a code associated with the merchant, wherein a scanned code associated with the merchant includes at least a Quick Response (QR) code associated with the merchant, wherein the QR-code associated with the merchant is stored in the mobile and wearable device of the user, wherein the QR-code associated with the merchant encodes at least a merchant account number.

21. The system of claim 20, wherein the processor is further operable to:

determine that the total price for the one or more products exceeds a predetermined price; and

based on the determining, send a notification to a merchant, wherein the payment sending transaction includes sending a payment from a phone account of the user to a merchant account.

22. The system of claim 11, wherein the payment receiving transaction and the payment sending transaction are performed using pairing the mobile and wearable device and a merchant device using a reader, the reader being connected to the merchant device and plugged into the mobile and wearable device.

23. A messaging, calling, and one-touch and one gesture and one blink payment and buying mobile platform using a one-touch button comprising:

a processor configured to;

provide the one-touch button associated with the messaging, calling, and one-touch payment and buying mobile platform, wherein the one-touch button is shown on a display of a mobile and wearable device, the one-touch button overlapping other visual elements, and wherein the one-touch button includes mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode;

receive a selection of the payment mode via the mode selection elements of the one-touch button from a user, wherein the selection includes a single touch of the user to a section element of the one-touch button associated with the payment mode;

upon the selection, extract context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display, and wherein the extraction includes one or more of the following;

a payment recipient, a payer account, a sender account, and a payment amount;

based on the context, determine a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction; and

based on the determining, automatically send a transaction request to a financial institution using the extraction without requesting financial information, authorizing, or confirmations; and

a database in communication with the processor, the database configured to store at least the financial information.

24. The platform of claim 23, wherein the one-touch button is integrated with at least one mobile application associated with the mobile and wearable device, a point of sale device, a currency token service, and electronic payment card,wherein the payment transaction performed by the processor is associated with a NFC, the payment transaction being performed for purchases online and offline, wherein a payment associated with the payment transaction is transferred from a pre-paid account of the user or charged to a mobile account of the user or a bank account of the user;

wherein the payment includes at least a one-touch and one gesture and one blink payment for street parking in demarcated areas, the payment being performed using a license plate, transponder tags, barcode stickers, and reading the code from the display;

wherein a merchant uses a combination of the NFC and the code on the display for performing the one-touch and one gesture and one blink payment;

wherein the NFC is used to establish radio communication with the external device by touching the housing and the external device or bringing the housing and the external device into proximity, the proximity includes a distance of up to 10 centimeters;

wherein the processor is operable to operate in three modes, the three modes include an NFC target mode when the device is acting as a credential, a NFC initiator mode when the device is acting as a reader, and an NFC peer-to-peer mode;

wherein the payment is further associated with advertisement tags, two-dimensional barcodes, and ultra high frequency tags;

wherein the processor is operable to be connected to a cloud;

wherein user credentials are provisioned over the air;

the payment being associated with a payment application associated with the processor to control transferring of the payment and access payment readers;

wherein the NFC unit is operable to connect to a third-party NFC device with a server for data;

wherein the device is adapted to enable a Bluetooth low energy payment;

wherein the device is associated with one or more of a transactional payment based on Unstructured Supplementary Service Data, Short Message Service, direct operator billing, a credit card mobile payment, an online wallet, a QR code payment, contactless NFC, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy signal beacon payment, an in-application payment, a Software Development Kit payment, an Application Programming Interface payment, a social networking payment, and a direct carrier and bank co-operation.

25. The platform of claim 23, wherein the processor is further configured to:

receive a selection of the messaging mode via the mode selection elements of one-touch button from the user;

upon the selection, provide a messaging interface on the display of the mobile and wearable device;

receive, via the messaging interface, a message and a choice of a recipient from the user; and

send the message to the recipient via a data network.

26. The platform of claim 23, wherein the processor is further configured to:

receive a selection of the calling mode via the mode selection elements of the one-touch button from the user;

upon the selection, provide a calling interface on the display of the mobile and wearable device; and

receive, via the calling interface, a call recipient from the user; and

perform the call with the call recipient via a data network.

27. The platform of claim 23, wherein the processor is further configured to:

receive a selection of the multimedia capture mode;

upon the selection, initiate one or more sensors to capture multimedia to obtain captured multimedia;

analyzed the single touch of the user to the section element of the one-touch button associated with the multimedia capture mode to determine a duration of the single touch;

based on the analysis, determine a type of the multimedia to be recorded, wherein the type of the multimedia includes an image and a video recording; and

record the captured multimedia to the database.

28. The platform of claim 23, wherein the at least one mobile application is integrated into a software development kit and an operating system of the mobile and wearable device, wherein the operating system is selected from a group comprising:

iOS, Android, and Windows Phone, wherein, upon launching of the at least one mobile application by the user, the user is prompted to log in and asked to provide a consent that the at least one mobile application initiates future payments on behalf of the user, wherein during further purchases the at least one mobile application is launched by default without a need for a further action from the user to initiate launching of the at least one mobile application, the further action including entering a login and a password by the user, wherein the at least one mobile application is associated with performing payments and buying products or services in the Internet.

29. The platform of claim 28, wherein upon launching of the at least one mobile application by the user, a list of payment cards is provided for selection by the user, the payment cards being associated with one or more of the following:

a bank account, a bank mobile account, a service provider account, a digital currency, a universal national currency token interface, a national digital currency, and an electric payment card;

wherein upon the selection, a token is sent to the mobile and wearable device, the token being associated with a selected payment card, wherein further payments are performed using the token.

30. The platform of claim 23, wherein a payment receiving transaction and a payment sending transaction are performed using an NFC, wherein the NFC is used to pair the mobile and wearable device and a merchant device by bringing the mobile and wearable device into proximity to the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein the financial data and authorizing data associated with the user are stored in the cloud network, wherein upon pairing the mobile and wearable device with the merchant device a Bluetooth connection between the mobile and wearable device and the merchant device is established, wherein the payment receiving transaction and the payment sending transaction include at least a pear-to-pear transaction.