ONE-SCAN 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 20170140366A1
• Filed: 01/31/2017
• Published: 05/18/2017
• Est. Priority Date: 10/01/2002
• Status: Active Grant

• Current Assignee: Mobile Pay, Inc
• Original Assignee: Amobilepay, Inc., World Award Academy, World Award Foundation Inc.
• Inventors: Xing, Zhou Tian, Zhou, Dylan T X, Zhou, Tiger T G, Zhou, Andrew H B, Xi, Mary M Z
• Granted Patent: US 9,665,865 B1
• Time in Patent Office: Days
• CPC Class Codes: G06F 3/016 Input arrangements with force or tactile feedback as computer generated output to the user
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• 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 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• 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 51/046 Interoperability with other network applications or services
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04M 1/72403 with means for local support of applications that increase the functionality
• CPC Class Codes: H04M 3/42382 : Text-based messaging services in telephone networks such as PSTN/ISDN, e.g. User-to-User Signalling or Short Message Service for fixed networks
• CPC Class Codes: H04M 7/006 : Networks other than PSTN/ISDN providing telephone service, e.g. Voice over Internet Protocol (VoIP) , including next generation networks with a packet-switched transport layer H04L65/00 takes precedence; aspects not specific to the type of network H04M3/00; special services in those networks H04M3/42
• CPC Class Codes: H04W 4/02 : Services making use of location information
• 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

Abstract

Provided are computer implemented methods and systems for messaging, calling, and one-touch and one-scan payments and buying via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is 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 and one-scan payments and buying using a mobile and wearable device, the method comprising:

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 and one-scan 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 and one-scan 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 one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the 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 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 haptic control is integrated with at least one mobile application associated with the mobile and wearable device;

wherein one touch service is integrated with import and export service for international trade and trade assurance (ITTA) services;

wherein the one touch service help with customs clearance preparation and assistance in foreign exchange collections just a tag and one touch payment on computer screen;

wherein the one touch service integrated with online platform providing professional import and export business process outsourcing (IEBPO) services to cross border trade enterprises, and bring business process operations online and set up credit system for the trade enterprises with only one touch payment.

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-scan payment and buying system;

wherein the one touch service integrated with electronic payment services, a shopping search engine and data-centric cloud computing services;

wherein the one touch service integrated with a third-party online payment platform without charge, but earn interests on deposit and short time payment cash deposit;

wherein the one touch service company operating worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders;

wherein one touch service company operates as a payment processor for online vendors, auction sites and other commercial users, for which it charges a fee.

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;

wherein the one touch service consolidating scattered service resources of different sorts for cross border trade partners and provide professional services including customs clearance, logistics, trade insurance, financing services and freight forwarding services;

wherein the one touch service integrated with e-commerce company that provides consumer-to-consumer, business-to-consumer and business-to-business sales services via web portals.

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

wherein the one touch service provides a third-party online escrow (TPOE) service, in which buyers can verify whether they are happy with goods they have bought before releasing money to the seller;

wherein the one touch service company providing microcredit very small loans (microloans) to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history, wherein designed not only to support entrepreneurship and alleviate poverty, but also in many cases to empower women and uplift entire communities by extension;

wherein the one touch service integrated with the third-party online payment platform, wherein provides an escrow service, in which consumers can verify whether they are happy with goods they have bought before releasing money to the seller, wherein providing the safest way to transact online, wherein the funds are held in trust, no chargebacks, or reversals.

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

a processor configured to;

provide a haptic control associated with a messaging, calling, and one-touch and one-scan 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,

wherein one touch service is integrated with import and export service for international trade and trade assurance (ITTA) services;

wherein the one touch service help with customs clearance preparation and assistance in foreign exchange collections just a tag and one touch payment on computer screen;

wherein the one touch service integrated with online platform providing professional import and export business process outsourcing (IEBPO) services to cross border trade enterprises, and bring business process operations online and set up credit system for the trade enterprises with only one touch payment.

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 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 snore 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-scan 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.

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 Tearable 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.