Remote transaction processing with multiple payment methods using authentication

  • US 8,725,576 B2
  • Filed: 01/07/2013
  • Issued: 05/13/2014
  • Est. Priority Date: 11/30/2007
  • Status: Expired due to Fees
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First Claim
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1. A method, comprising:

  • maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is non-browser based and is a mobile operating system platform based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface;

    executing the payment application using the mobile device processor, wherein execution of the payment application permits a user associated with the payment application running on the mobile device to conduct a purchase after a data exchange between the payment application and a management server has occurred;

    receiving input at the payment application running on the mobile device, the input received from a user to initiate a transaction to purchase an item selected at the mobile device;

    sending a request from the payment application to the management server for a digital artifact for display within a specific payment application generated screen, wherein the digital artifact is selected by the management server based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property;

    receiving the digital artifact from the management server which processes the transaction for the selected item using a payment method;

    displaying the digital artifact within the specific payment application generated screen.

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