US 2016/0110695 A1Published application

One-scan and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card

OwnerDylan T X Zhou, Tiger T G Zhou +1inventors

InventorsDylan T X Zhou, Tiger T G Zhou, Andrew H B Zhou

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Abstract

Provided are computer implemented methods and systems for messaging, calling, and one-touch and one-scan payments and buying via mobile and wearable devices. An exemplary system comprises a processor and a database in communication with the processor. The processor is configured to provide a haptic control associated with the system. The haptic control is shown on a display of a mobile and wearable device overlapping other visual elements. The haptic control provides mode selection elements associated with a payment, messaging, and calling modes. The processor receives a selection of the payment mode via the mode selection elements from a user. Upon the selection, context is extracted from the display. Based on the context, a payment transaction type which the user intends to perform is determined. The payment transaction type includes a payment receiving transaction and a payment sending transaction. Based on the determining, a transaction request is sent to a financial institution using the extraction.

Claims30

Dependent claims

A method for messaging, calling, and one-touch and one-scan payments and buying using a mobile and wearable device, the method comprising:

receiving, by a processor the mobile and wearable device, payment information associated with a user, the payment information being associated with a mobile payment account of the user in a messaging, calling, and one-touch and one-scan payment and buying system;
generating, by the processor, a unique code, the unique code encoding the payment information;
providing, the processor, the unique code to the user;
providing, by the processor, a haptic control associated with the messaging, calling, and one-touch and one-scan payment and buying system, wherein the haptic control is shown on a display of the mobile and wearable device overlapping other visual elements, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;
receiving, by the processor, a selection of the payment mode via the mode selection elements of the haptic control from a user;
upon the selection, extracting, by the processor, context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display;
based on the context, determining, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction;
based on the determining, automatically sending a transaction request to a financial institution without requesting financial information, authorizing, or confirmations;
if the transaction request is associated with the payment sending transaction, receiving, by the processor, a deposit amount associated with the payment sending transaction related to the user;
receiving, by the processor, a notification about a further payment sending transaction of the user via the mobile payment service, the notification including at least the unique code and a payment amount of the further payment sending transaction;
providing at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with the payment amount associated with the further payment sending transaction, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to a predetermined percent from the payment amount.

8 more elements

A messaging, calling, and one-touch and one-scan payment and buying system comprising:

a processor configured to:
provide a haptic control associated with a messaging, calling, and one-touch and one-scan payment and buying system, wherein the haptic control is shown on a display of a mobile and wearable device overlapping other visual elements, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;
receive a selection of the payment mode via the mode selection elements of the haptic control from a user;
upon the selection, extract context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display;
based on the context, determine a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction;
and
based on the determining, automatically send a transaction request to a financial institution using the extraction without requesting financial information, authorizing, or confirmations, wherein the transaction request includes a unique code associated with the user and displayed on the mobile and wearable device, the unique code encoding at least bank account information, a total price, merchant data, and a user phone number;
and
a database in communication with the processor, the database configured to store at least the financial information.

6 more elements

A messaging, calling, and one-touch and one-scan payment and buying mobile platform using a one-touch button comprising:

a processor configured to:
provide the one-touch button associated with the messaging, calling, and one-touch payment and buying mobile platform, wherein the one-touch button is shown on a display of a mobile and wearable device, the one-touch button overlapping other visual elements, and wherein the one-touch button includes mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode;
receive a selection of the payment mode via the mode selection elements of the one-touch button from a user, wherein the selection includes a single touch of the user to a section element of the one-touch button associated with the payment mode;
upon the selection, extract context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display, and wherein the extraction includes one or more of the following:
a payment recipient, a payer account, a sender account, and a payment amount;
based on the context, determine a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction;
and
based on the determining, automatically send a transaction request to a financial institution using the extraction without requesting financial information, authorizing, or confirmations;
and
a database in communication with the processor, the database configured to store at least the financial information.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/979,613Filed 28 Dec 2015
Priority: 1 Oct 2002
Published: 21 Apr 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification15 codes

G06Q 20/326
Using wireless devices: payment applications installed on the mobile devices
G06Q 20/321
Using wireless devices: using wearable devices
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]
G06Q 20/3263
Payment applications installed on the mobile devices: characterised by activation or deactivation of payment capabilities

Family

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