# US 8,751,315 B2 · Using a mobile device as a point of sale terminal

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- Number: US 8,751,315 B2
- Document ID: US8751315B2
- Status: Granted
- Kind: B2
- Application number: 13/706,332
- Filed: 2012-12-05
- Published: 2013-04-18
- Granted: 2014-06-10
- Earliest claimed: 2007-11-30
- Assignees: Michelle Fisher
- Applicants: Blaze Mobile, Inc.
- Inventors: Michelle Fisher
- Web page: https://patentgrep.com/patent/US8751315B2

## 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:
calculating a total purchase amount;
electronically receiving purchase information including payment credentials from a user, the purchase information received by using a non-browser based payment application at a mobile device, the payment credentials associated with a credit card, a debit card, or a prepaid card, the mobile device including a mobile device display, a mobile device processor, a mobile device radio transceiver configured to support voice and data interactions through a first communication channel, a mobile device wireless fidelity (Wi-Fi) transceiver, and a mobile device memory configured to maintain an operating system platform non browser based payment application configured to facilitate payment processing at a remote server;
generating a payment authorization request at the mobile device;
wirelessly transmitting the payment authorization request and payment credentials from the mobile device to the remote server;
sending a request from the payment application to the remote server for a digital artifact for display within a specific payment application generated screen, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, the selection of the digital artifact performed by the remote server is based on correlating targeting parameters;
receiving the digital artifact at the payment application from the remote server, the remote server configured to authorize payment using the payment credentials; and
displaying on the mobile device display the digital artifact received from the remote server within the specific payment application generated screen.

### Claim 2 (depends on 1)

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

### Claim 3 (depends on 1)

The method of claim 1, wherein the digital artifact is an advertisement, receipt, ticket, media, coupon, or content delivered from the remote server through the first communication channel.

### Claim 4 (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 5 (depends on 4)

The method of claim 4, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations.

### Claim 6 (depends on 2)

The method of claim 2, wherein personal information comprises location, gender, age, interest, affiliation , userid, pageid, zip code, area code, and occupation.

### Claim 7 (depends on 1)

The method of claim 1, wherein the total purchase amount is updated when a coupon is applied during the transaction.

### Claim 8 (depends on 1)

The method of claim 1, wherein a security tool is implemented at the mobile device, wherein implementation of the security tool comprises: prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the transaction, disabling use of the payment application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, deleting all cached data stored in mobile device memory, and/or storing encrypted security codes on the mobile device.

### Claim 9 (depends on 2)

The method of claim 2, 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, and tickets.

### Claim 10

A system comprising:
a mobile device memory configured to maintain a mobile operating system platform non browser based payment application configured to facilitate payment processing at a remote server, wherein a payment authorization request is generated at a mobile device;
a mobile device input interface associated with a plurality of mobile device transceivers including a mobile device radio transceiver configured to support voice and data interactions through a first communication channel and a mobile device wireless fidelity (Wi-Fi) transceiver, the mobile device input interface configured to receive purchase information including payment credentials from a user, the purchase information received by using the non-browser based payment application at the mobile device, the payment credentials associated with a credit card, debit card, or a prepaid card;
a mobile device output interface configured to wirelessly transmit the payment authorization request and payment credentials from the mobile device to the remote server;
a mobile device processor configured to:
calculate a total purchase amount;
send a request for a digital artifact for display within a specific payment application generated screen to the remote server, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property, wherein the remote server maintains plurality of user profiles and digital artifacts and selects the digital artifact based on correlating targeting parameters; and
receive the digital artifact from the remote server, the remote server configured to authorize payment using the payment credentials; and
a mobile device display configured to display the digital artifact received from the remote server within the specific payment application generated screen.

### Claim 11 (depends on 10)

The system of claim 10, wherein targeting parameters includes personal information and/or transaction history.

### Claim 12 (depends on 10)

The system of claim 10, wherein the digital artifact is an advertisement, receipt, ticket, media, coupon, or content delivered from the remote server through the first communication channel.

### Claim 13 (depends on 10)

The system 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 14 (depends on 13)

The system of claim 13, wherein the secondary call-to-action is operable to prompt the user for personal information including user location, gender, age, interest, or affiliations.

### Claim 15 (depends on 11)

The system of claim 11, wherein personal information comprises location, gender, age, interest, affiliation , userid, pageid, zip code, area code, and occupation.

### Claim 16 (depends on 10)

The system of claim 10, wherein the total purchase amount is updated when a coupon is applied during the transaction.

### Claim 17 (depends on 10)

The system of claim 10, wherein a security tool is implemented at the mobile device, wherein implementation of the security tool comprises: prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the transaction, disabling use of the payment application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, deleting all cached data stored in mobile device memory, and/or storing encrypted security codes on the mobile device.

### Claim 18 (depends on 11)

The system of claim 11, 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, and tickets.