Systems and methods for messaging, calling, digital multimedia capture and payment transactions

• US 9,098,190 B2
• Filed: 08/13/2014
• Issued: 08/04/2015
• Est. Priority Date: 07/18/2011
• Status: Active Grant

• Current Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Original Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Inventors: Zhou, Andrew H B, Zhou, Tiger T G, Zhou, Dylan T X
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US14/458,791
• Publication Number:
  US 20140349692A1
• Time in Patent Office: 356 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 3/0488 using a touch-screen or digitiser, e.g. input of commands through traced gestures
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-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 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• 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: H04L 12/146 using digital cash
• CPC Class Codes: H04M 1/2755 by optical scanning
• CPC Class Codes: H04M 1/724 User interfaces specially adapted for cordless or mobile telephones
• CPC Class Codes: H04M 1/72439 for image or video messaging
• CPC Class Codes: H04M 17/02 Coin-freed or check-freed systems , e.g. mobile- or card-operated phones, public telephones or booths
• CPC Class Codes: H04M 17/301 Code input or reading
• CPC Class Codes: H04M 17/304 : Optical code recognition [OCR], e.g. bar code reader
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 12/33 : using wearable devices, e.g. using a smartwatch or smart-glasses
• CPC Class Codes: H04W 12/63 : Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/77 : Graphical identity

Abstract

Provided are computer implemented methods and systems for multimedia capture and payment transactions. According to the method, a first user input may be received. Based on the first user input, sensors may be initiated to capture multimedia. The method may further comprise receiving a second user input. Data associated with the first user input and the second user input may be analyzed. Based on the analysis, a multimedia capture mode or a payment transaction mode may be selectively selected. If the multimedia capture mode is selected, the captured multimedia may be recorded to a database. A type of the multimedia being recorded may be determined based on time between the first user input and the second user input. If the payment transaction mode is selected, transaction data may be received. Based on the transaction data, user payment data, and recipient payment data, a payment transaction may be performed.

Claims

1. A computer implemented method for multimedia capture and payment transactions for mobile and wearable devices, the method comprising:

receiving, by one or more processors, a first input of a user;

in response to the first input of the user, initiating one or more sensors to capture multimedia to obtain captured multimedia;

receiving, by the one or more processors, a second input of the user, wherein the first input of the user includes a touch engagement of the user with a display of a mobile and wearable device and the second input of the user includes a touch release of the user from the display of the mobile and wearable device;

analyzing, by the one or more processors, data associated with the first input of the user and the second input of the user, wherein the analyzing includes determining time between the first input of the user and the second input of the user;

based on the analysis, selectively selecting, by the one or more processors, a multimedia capture mode or a payment transaction mode, wherein the multimedia capture mode comprises the user using the mobile and wearable device to capture multimedia content, wherein the selection of the multimedia capture mode and the transaction mode is determined by comparison of the time between the first input and the second input with a predetermined time, wherein only a multimedia storing mode or a transaction mode can be selected at a single time, and wherein the multimedia capture mode is associated with a plurality of types of multimedia, wherein each of the plurality of types of multimedia being captured are determined by the time between the first input and second input in the multimedia capture mode;

the analysis, selectively selecting, by the one or more processors, one of multimedia storing modes or a payment transaction mode, wherein each of the multimedia storing modes is associated with at least one of a plurality of types of the multimedia;

in response to the selection of the the multimedia capture storing modes, processing, by the one or more processors, the captured multimedia to obtain a type of the multimedia captured in the multimedia capture mode;

storing, by the one or more processors, the type of the multimedia captured and the captured multimedia to a database to obtain a stored type of the multimedia;

in response to the selection of the payment transaction mode, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

wherein the mobile or wearable devices include at least one of a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device.

2. The method of claim 1, wherein the type of the multimedia includes one or more of a text, a video, an image, an audio, and an animation.

3. The method of claim 1, wherein the captured multimedia includes a video;

wherein the text is recorded from the captured multimedia based on one or more of text recognition and speech recognition;

wherein the image is recorded from the captured multimedia by selecting a frame in the captured multimedia; and

wherein the audio is recorded from the captured multimedia by selecting audio content in the captured multimedia;

wherein the animation is recorded from the captured multimedia by selecting two or more frames in the captured multimedia and cycling the selected two or more frames.

4. The method of claim 1, wherein the recipient payment data includes one or more of recipient bank account data, recipient debit card data, recipient credit card data, a recipient phone number, and recipient virtual currency wallet data, the recipient payment data being encrypted by assigning a unique key, the unique key being sent to an encryption verification unit having a key storage.

5. The method of claim 1, wherein the payment transaction includes transferring a payment from a payment account associated with the user to a payment account associated with a recipient.

6. The method of claim 1, wherein the payment transaction is performed in a digital currency, the digital currency being customized according to personal data of the user or personal data of the recipient.

7. The method of claim 1, further comprising sending the stored type of the multimedia to the recipient, the stored type of the multimedia being converted into Encrypted Trusted Data Format (ETDF).

8. The method of claim 1, further comprising stopping the one or more sensors upon receiving the second user input.

9. The method of claim 1, wherein the payment transaction is selected from one or more of:

a face-to-face barcode scanning payment transaction, a short distance Bluetooth payment transaction, and a remote long distance Internet payment transaction, the payment transaction being based on one or more of the following;

based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, a credit card mobile payment, an online wallet, a Quick Response (QR) code payment, contactless near field communication, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy (BLE), signal beacon payment, an in-application payment, a social networking payment, a trade token payment, a merchant token payment, a currency token payment, and a direct carrier and bank co-operation.

10. A system for multimedia capture and payment transactions for mobile and wearable devices, the system comprising:

one or more processors operable to;

receive a first input of a user;

in response to the first input of the user, initiate one or more sensors to capture multimedia to obtain captured multimedia;

receive a second input of the user, wherein the first input of the user includes a touch engagement of the user with a display of a mobile and wearable device and the second input of the user includes a touch release of the user from the display of the mobile and wearable device;

analyze data associated with the first input of the user and the second input of the user, wherein the analyzing includes determining time between the first input of the user and the second input of the user;

based on the analysis, selectively selecting, by the one or more processors, a multimedia capture mode or a payment transaction mode, wherein the multimedia capture mode comprises the user using the mobile and wearable device to capture multimedia content, wherein the selection of the multimedia storing mode and the transaction mode is determined by comparison of the time between the first input and the second input with a predetermined time, wherein only a multimedia storing mode or a transaction mode can be selected at a single time, and wherein the multimedia storing mode is associated with a plurality of types of multimedia, wherein each of the plurality of types of multimedia being stored are determined by the time between the first input and second input in the multimedia storing mode;

storing modes or a payment transaction mode, wherein each of the multimedia storing modes is associated with at least one of a plurality of types of the multimedia;

in response to the selection of the multimedia capture modes, processing the captured multimedia to obtain a type of the multimedia captured in the multimedia capture mode;

store the type of the multimedia to a database to obtain a stored type of the multimedia and the captured multimedia;

in response to the selection of the payment transaction mode, receive transaction data, wherein the transaction data comprise at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, perform a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

the database comprising computer-readable instructions for execution by the one or more processors; and

wherein the mobile or wearable devices include a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device.

11. The system of claim 10, wherein the user and the recipient are registered in the system for multimedia capture and payment transactions, the system for multimedia capture and payment transactions being a proprietary, cross-platform instant messaging subscription service built on an open Message Queue Telemetry Transport (MQTT) protocol for mobile and wearable devices and uses for communication one or more of the following:

Internet and Bluetooth.

12. The system of claim 10, wherein the user provides the user payment data upon registration, and the recipient provides the recipient payment data upon registration, wherein access to the system is controlled by one or more of the following:

a password, a Personal Identification Number (PIN) code, and biometric authorization, the biometric authorization including fingerprint scanning, palm scanning, face scanning, and retina scanning, wherein the scanning is performed using the one or more biometric sensors, the device further comprising a fingerprint reader configured to scan a fingerprint, the scanned fingerprint being matched to one or more approved fingerprints, wherein the access to the system is granted based on the matching.

13. The system of claim 10, wherein the recipient is selected from one or more of a contact list, a list of recent calls, a list of recent transactions.