# US 2014/0195362 A1 · Remote transaction processing with a point-of-entry terminal using bluetooth > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195362 A1 - Document ID: US20140195362A1 - Status: Published application - Kind: A1 - Application number: 14/143,109 - Filed: 2013-12-30 - Published: 2014-07-10 - Earliest claimed: 2007-11-30 - Assignees: Michelle Fisher - Inventors: Michelle Fisher - Web page: https://patentgrep.com/patent/US20140195362A1 ## CPC - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 10/10: Office automation; Time management - G06Q 20/00: Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12) - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/16: Payments settled via telecommunication systems - 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} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/206: {comprising security or operator identification provisions, e.g. password entry} - G06Q 20/32: using wireless devices - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3226: {Use of secure elements separate from M-devices} - G06Q 20/3227: {using secure elements embedded in M-devices} - G06Q 20/325: {using wireless networks} - G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/3674: {involving authentication} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/3821: {Electronic credentials} - 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 - G06Q 20/4012: {Verifying personal identification numbers [PIN]} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/409: {Device specific authentication in transaction processing} - G06Q 30/02: Marketing; Price estimation or determination; Fundraising - G06Q 30/0222: {During e-commerce, i.e. online transactions} - G06Q 30/0238: at point-of-sale [POS] - G06Q 30/0251: Targeted advertisements - G06Q 30/0253: {During e-commerce, i.e. online transactions} - G06Q 30/0255: {based on user history} - G06Q 30/0267: {Wireless devices} - G06Q 30/0268: {at point-of-sale [POS]} - G06Q 30/06: Buying, selling or leasing transactions - G06Q 30/0613: {using intermediate agents} - G06Q 30/0633: {Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087)} - G06Q 30/0635: {replenishment orders; recurring orders} - G06Q 40/10: Tax strategies - G06Q 40/12: Accounting - H04B 5/70: specially adapted for specific purposes - H04M 1/72445: for supporting Internet browser applications - 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 - H04W 4/21: for social networking applications - H04W 8/205: {Transfer to or from user equipment or user record carrier} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system} - H04N 21/812: {involving advertisement data (advertising per se G06Q30/02)} - H04W 4/02: Services making use of location information - H04W 4/029: Location-based management or tracking services - H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication - H04W 88/02: Terminal devices - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04B: TRANSMISSION - H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) - G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00}) - H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION ## 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 ### Claim 1 A method comprising: maintaining an identification code by using a mobile operating system platform non browser based mobile application in a mobile device memory included in a mobile device, wherein the mobile application 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 Bluetooth interface; wirelessly transmitting an identification code stored in the mobile device memory to a point of entry terminal by using a first wireless communication channel configured for Bluetooth, wherein execution of the mobile application facilitates a transfer of the identification code to the point of entry terminal, the point of entry terminal connected to a management server; sending a request for a digital artifact to the management server for display within a specific mobile application generated screen, the specific mobile 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 for the user; receiving the digital artifact from the management server which processes the transaction associated with the identification code; and displaying the digital artifact within the specific payment application generated screen. ### Claim 2 (depends on 1) The method of claim 1, wherein the first wireless communication channel is associated with the mobile device display. ### Claim 3 (depends on 1) The method of claim 1, wherein the second wireless communication channel is associated with a cellular radio communication channel. ### Claim 4 (depends on 1) The method of claim 1, wherein targeting parameters comprises personal information and/or transaction history. ### Claim 5 (depends on 1) The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the payment application. ### Claim 6 (depends on 4) The method of claim 4, wherein personal information comprising comprises of location, gender, age, interest, and affiliation, userid, pageid, zip code, area code, and occupation ### Claim 7 (depends on 4) The method of claim 4, wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication 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 communication device, and raw data downloaded from banks. ### Claim 8 (depends on 1) The method of claim 1, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action, wherein the secondary call-to-action is operable to prompt the user to enter an email address, accept coupons/rewards, or opt-in for alerts and notifications. ### Claim 9 (depends on 8) The method of claim 8, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations. ### Claim 10 A mobile device comprising: a mobile device memory configured to maintain an identification code by using a mobile operating system platform non browser based mobile application, wherein the mobile application is preinstalled or downloaded and installed on the mobile device; a mobile device wireless Bluetooth transceiver; a mobile device radio transceiver configured to wirelessly transmit an identification code stored in the mobile device memory to the point of entry terminal by using a first wireless communication channel configured for Bluetooth, wherein execution of the mobile application facilitates a transfer of the identification code to the point of entry terminal, the point of entry terminal connected to a management server; a mobile device application configured to send a request for a digital artifact for display within a specific mobile application generated screen to a management server and receive a digital artifact from the management server, the specific mobile application 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, wherein the digital artifact is received from the management server which processes the transaction associated with the identification code; and a mobile application configured to display the digital artifact within the specific mobile application generated screen. ### Claim 11 (depends on 14) The mobile device of claim 14, wherein the first wireless communication channel is associated with the mobile device display. ### Claim 12 (depends on 14) The mobile device of claim 14, wherein the second wireless communication channel is associated with a cellular radio communication channel. ### Claim 13 (depends on 1) The method of claim 1, wherein targeting parameters comprises personal information and/or transaction history. ### Claim 14 (depends on 14) The mobile device of claim 14, wherein the digital artifact is an advertisement, receipt, ticket, coupon, media, or content received at the mobile application. ### Claim 15 (depends on 13) The mobile device of claim 13, wherein personal information comprising comprises of location, gender, age, interest, and affiliation ,userid, pageid, zip code, area code, and occupation. ### Claim 16 (depends on 13) The mobile device of claim 13 wherein transaction history comprises contactless transactions made using a secure element coupled to the mobile communication 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 communication device, and raw data downloaded from banks. ### Claim 17 (depends on 10) The mobile device of claim 10, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action, wherein the secondary call-to-action is operable to prompt the user to enter an email address, accept coupons/rewards, or opt-in for alerts and notifications. ### Claim 18 (depends on 17) The mobile device of claim 17, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations. ### Claim 219 A non-transitory computer readable medium, comprising: computer code for maintaining a mobile application in a mobile device memory included in a mobile device, wherein the mobile 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, and a mobile device radio interface; computer code for transmitting an identification code stored in the mobile device memory to the point of entry terminal by using a first wireless communication channel configured for Bluetooth, wherein execution of the mobile application facilitates a transfer of the identification code to the point of entry terminal, the point of entry terminal connected to a management server; computer code for sending a request to a management server for a digital artifact for display within a specific mobile application generated screen, the specific mobile application 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 from the management server which processes the transaction associated with the identification code; and computer code for displaying the digital artifact within the specific mobile application generated screen.