Remote transaction processing at a server from a list using a payment method

• US 9,311,659 B2
• Filed: 11/18/2013
• Issued: 04/12/2016
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Pandya, Sunit
• Application Number:
  US14/083,344
• Publication Number:
  US 20150142541A1
• Time in Patent Office: 876 Days
• Field of Search: None
• US Class Current: 1/1
• 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 for processing a transaction, comprising:

sending a list of products from a management server to a non-browser based application for display using the non-browser based application, wherein the non-browser based application is preinstalled or downloaded and installed in a mobile device memory included in a 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;

receiving, at the management server, an identification of one or more products selected from the list of products using the non-browser based application through user input via the mobile device display;

receiving, at the management server, a transaction purchase request from the non-browser based application stored on the mobile device, wherein the non-browser based application stored on the mobile device receives the transaction purchase request through user input via the mobile device display;

receiving, at the management server, transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed; and

after the transaction has processed, sending, from the management sever, to the non-browser based application a digital artifact for display within a specific non-browser based application generated screen.

2. The method of claim 1, further comprising:

upon receipt of an user input login information at the management server, authenticating the user to permit the transaction.

3. The method of claim 2, wherein the user input login information includes biometric data.

4. The method of claim 2, wherein the user input login information is a personal identification number (PIN).

5. The method of claim 1, further wherein the management server selects the digital artifact based on one or more targeting parameters comprising of personal information and/or transaction related information.

6. The method of claim 5, wherein personal information comprises location, gender, age, interest, affiliation, user ID, page ID, zip code, area code, and occupation.

7. The method of claim 5, wherein transaction related information comprises information related to historical payment transaction, information related to real-time payment transaction, information related to contactless transactions made using the mobile device, information related to internet commerce, information related to bill pay, information related to top spend categories, information related to merchants, information related to storage of banking information, information related to accessing account balance, information related to accessing payment history, inhumation related to accessing funds transfer, information related to storage of tickets, information related to storage of receipts, information related to storage of coupons, information related to transactions made by the user but not through the mobile device, and information related to raw data downloaded from banks.

8. The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the non-browser based application.

9. The method of claim 1, wherein the payment method comprises a default payment method.

10. The method of claim 1, wherein the payment method comprises a user selected payment method.

11. A management server for processing a transaction, comprising:

a management server interface configured to

send a list of products from the management server to a non-browser based application for display using the non-browser based application, wherein the non- browser based application is preinstalled or downloaded and installed in a mobile device memory included in a 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;

receive an identification of one or more products selected from the list of products using the non-browser based application through user input via the mobile device display;

receive a transaction purchase request from the non-browser based application stored on the mobile device, wherein the non-browser based application stored on the mobile device receives the transaction purchase request through user input via the mobile device display;

receive, transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed; and

after the transaction has processed, send to the non-browser based application a digital artifact for display within a specific non-browser based application generated screen.

12. The management server of claim 11 further comprising:

upon receipt of an user input login information, authenticating the user to permit the transaction.

13. The management server of claim 12, wherein the user input login information includes biometric data.

14. The management server of claim 12, wherein the user input login information is a personal identification number (PIN).

15. The management server of claim 11, further wherein the management server selects the digital artifact based on one or more targeting parameters comprising of personal information and/or transaction related information.

16. The management server of claim 11, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the non-browser based application.

17. The management server of claim 11, wherein the payment method comprises a default payment method.

18. The management server of claim 11, wherein the payment method comprises a user selected payment method.

19. A non-transitory computer readable medium for processing a transaction, comprising:

computer code for sending a list of products from a management server to a non-browser based application for display using the non-browser based application, wherein the non-browser based application is preinstalled or downloaded and installed in a mobile device memory included in a 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 receiving, at a management server, an identification of one or more products selected from the list of products using the non-browser based application through user input via the mobile device display;

computer code for receiving, at the management server, a transaction purchase request from the non-browser based application, wherein the non-browser based application stored on the mobile device receives the transaction purchase request through user input via the mobile device display;

computer code for receiving, at the management server, transaction verification from a transaction server which processes the transaction using a payment method, wherein the transaction verification indicates that the transaction has processed; and

computer code for after the transaction has processed, sending, from the management sever, to the non-browser based application, a digital artifact for display within a specific non-browser based application generated screen.