Personalized mobile banking transactions

• US 8,725,577 B2
• Filed: 08/29/2013
• Issued: 05/13/2014
• Est. Priority Date: 11/30/2007
• Status: Expired due to Fees

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/014,020
• Publication Number:
  US 20140074707A1
• Time in Patent Office: 257 Days
• Field of Search: 705/16, 705/39, 705/40, 705/41, 705/44, 705/38, 455/41.1, 455/414.1, 455/410
• US Class Current: 705/16
• 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, comprising:

maintaining payment account information by using a mobile banking application in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and 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;

exchanging data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction;

executing the mobile banking application on the mobile device processor, wherein executing the mobile banking application comprises;

sending a request to the management server for a digital artifact for display within a specific mobile banking application generated screen, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property, wherein the digital artifact is selected based on correlating targeting parameters, and wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters for the user;

receiving the digital artifact from the management server for display within the specific mobile banking application generated screen; and

displaying the digital artifact within the specific mobile banking application generated screen.

2. The method of claim 1, wherein the management server permits a user associated with the mobile banking application running on the mobile device to conduct a purchase as a result of the data exchange.

3. The method of claim 2, wherein the data exchange includes exchanging an identification code.

4. The method of claim 3, wherein the identification code is a personal identification number (PIN).

5. The method of claim 1, wherein coupons are redeemed during the mobile banking transaction.

6. The method of claim 1, wherein targeting parameters includes user personal information and/or transaction history.

7. The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the mobile banking application.

8. The method of claim 6, wherein user personal information comprises of location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

9. The method of claim 6, wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of banking information, accessing banking services, tickets, transactions made by the user but not through the mobile device, and raw data downloaded from banks.

10. The method of claim 1, wherein the mobile device is coupled to a secure element, the secure element including a secure element processor configured for near field communication transaction processing, a secure element memory configured to maintain a secure element application, and a secure element near field communication transceiver.

11. A mobile device, comprising:

a mobile device memory included in the mobile device, the mobile device memory configured to maintain payment account information by using a mobile banking application, wherein the mobile banking application is non-browser based and is preinstalled or downloaded and installed on the mobile device;

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

a mobile device processor configured to;

execute the mobile banking application;

exchange data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein the management server authenticates a user of the mobile device prior to conducting a mobile banking transaction;

send a request to the management server for a digital artifact for display within a specific mobile banking application generated screen;

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

a mobile device display configured to display the digital artifact received from the management server within the specific mobile banking application generated screen.

12. The mobile device of claim 11, wherein the management server permits a user associated with the mobile banking application running on the mobile device to conduct an online transaction as a result of the data exchange.

13. The mobile device of claim 12, wherein the data exchange includes exchanging an identification code.

14. The mobile device of claim 13, wherein the identification code is a personal identification number (PIN).

15. The mobile device of claim 11, wherein coupons are redeemed during the mobile banking transaction.

16. The mobile device of claim 11, wherein targeting parameters includes user personal information and/or transaction history.

17. The mobile device of claim 11, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the mobile banking application.

18. The mobile device of claim 16, wherein user personal information includes location, gender, age, interest, affiliation, userid, pageid, zip code, area code, and occupation.

19. The mobile device of claim 16, wherein transaction history includes contactless transactions made using a secure element coupled to the mobile device, internet commerce, bill pay, top spend categories, merchants, storage of digital artifacts, storage of banking information, accessing banking services, tickets, transactions made by the user but not through the mobile device, and raw data downloaded from banks.

20. A non-transitory computer readable medium, comprising:

computer code for maintaining payment account information by using a mobile banking application in a mobile device memory included in a mobile device, wherein the mobile banking application is non-browser based and is 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;

computer code for exchanging data associated with the mobile banking application with a management server by using a mobile device transceiver configured to support a mobile wireless communication protocol, wherein theme management server authenticates a user of the mobile device prior to conducting a mobile banking transaction;

computer code for sending a request to the management server for a digital artifact for display within a specific mobile banking application generated screen, the mobile banking application generated screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters;

computer code for receiving the digital artifact for display within the specific mobile banking application generated screen;

computer code for displaying the digital artifact within the specific mobile banking application generated screen.