Systems and methods for mobile application, wearable application, transactional messaging, calling, digital multimedia capture, payment transactions, and one touch service

A system for facilitating mobile device payments, multimedia capture, calling, and messaging via a mobile and wearable device, the system comprising:

• a processor of the mobile and wearable device configured to:
• provide a payment, multimedia capture, calling, and messaging interface on a display of the mobile and wearable device, wherein the payment, multimedia capture, calling, and messaging interface includes a haptic control configured to sense a haptic input of a user, wherein the payment, multimedia capture, calling, and messaging interface is further configured to receive a selection from a list of predetermined operations;
• analyze the haptic input to determine a duration of the haptic input;
• based on the duration of the haptic input, select an operation from the list of predetermined operations to be performed by a cloud-based application associated with the mobile and wearable device, wherein the predetermined operations include at least a payment operation, a multimedia capture operation, a calling operation, and a messaging operation, wherein the mobile and wearable device is operable to perform each of the payment operation, the multimedia capture operation, the calling operation, and the messaging operation, wherein the selecting of the payment operation is associated with making a payment request by the user;
• in response to the haptic input, activate the cloud-based application, the cloud-based application running on the mobile and wearable device and being associated with a cloud storage, wherein the cloud-based application is related to one or more dedicated folders provided on one or more client devices associated with the user, the one or more dedicated folders synchronizing across the one or more client devices, and contents of the one or more dedicated folders being accessible via a web resource and the cloud-based application, the cloud-based application including a payment, multimedia capture, calling, and messaging application, wherein the payment, multimedia capture, calling, and messaging application is associated with an application protocol, the application protocol being integrated into a communication platform associated with the mobile and wearable device;
• operably connect the mobile and wearable device to the cloud storage, wherein the cloud storage is configured to store payment details of the user, the payment details being provided by the user during a first launch of the cloud-based application on the mobile and wearable device;
• in response to the payment operation being selected:
• receive the payment details associated with the user from the cloud storage, the payment details being used to perform a payment via the mobile and wearable device based on the payment request;
• receive an indication that the user brings the mobile and wearable device in proximity to a merchant device associated with a merchant to make the payment to the merchant, wherein the indication is received based on sensing an interaction of the mobile and wearable device with the merchant device, wherein the interaction includes at least a near field communication (NFC), wherein the NFC is used to pair the mobile and wearable device and the merchant device upon bringing the mobile and wearable device into proximity to the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein the payment details and authorizing data associated with the user are stored in the cloud storage associated with the cloud network, wherein upon pairing the mobile and wearable device with the merchant device at least a Bluetooth wireless short range connection between the mobile and wearable device and the merchant device is established;
• based on the interaction, receive product data and merchant data, the product data and the merchant data being provided by the merchant device, the product data including at least a price of a product associated with the payment;
• prompt the user to provide an authentication information, the prompting includes at least displaying an authentication button on the display of the mobile and wearable device;
• authenticate an identity of the user, the authenticating including at least a biometric authentication, wherein the biometric authentication includes a fingerprint authentication, an iris pattern authentication, a heartbeat authentication, and a vein pattern identification;
• wherein the vein pattern identification is performed using scanning of one or more of the following:
• a palm vein pattern, a wrist vein pattern, a hand vein pattern, a leg vein pattern, a foot vein pattern, a neck vein pattern, and a head vein pattern;
• wherein the fingerprint authentication includes:
• scanning fingerprints of at least one finger of the user when the user touches one or more or the following:
• the display of the mobile and wearable device, a button of the mobile and wearable device, and a rear panel of the mobile and wearable device;
• and
• matching the fingerprints to one or more approved fingerprints, the one or more approved fingerprints being stored in the cloud storage;
• upon the matching, encrypt the payment request associated with the payment operation to obtain an encrypted payment request, wherein the encrypting of the payment request includes generating, by the processor, a one-time code, the one-time code encoding at least the payment details of the user, the product data, and the merchant data;
• transmit the encrypted payment request to a financial organization;
• receive from the financial organization, a confirmation of the payment from the user to the merchant performed by the financial organization;
• wherein the payment operation is authorized in part when a geographic location determined by the mobile and wearable device matches a geographic location of the merchant at a time of the selecting of the payment operation;
• wherein the selecting the payment operation via the haptic control includes activating, via the cloud-based application associated with the processor of the mobile and wearable device, one or more applications providing one or more of the following services:
• an import and export service for international trade and trade assurance (ITTA) services;
• a service providing customs clearance preparation and assistance in foreign exchange collections;
• an online platform providing professional import and export business process outsourcing (IEBPO) services to cross border trade enterprises and bringing business process operations online;
• an online platform for consolidating scattered service resources for cross border trade partners and providing professional services including customs clearance, logistics, trade insurance, financing services and freight forwarding services;
• an e-commerce service providing consumer-to-consumer, business-to-consumer, and business-to-business sales services via web portals;
• a third-party online escrow (TPOE) service, in which buyers verify whether goods they have bought before releasing money to a seller;
• a third-party service providing microcredit very small loans (microloans) to impoverished borrowers who lack collateral, steady employment and a verifiable credit history, wherein designed not only to support entrepreneurship and alleviate;
• in response to the multimedia capture operation being selected:
• capture multimedia by one or more sensors of the mobile and wearable device to obtain captured multimedia, the captured multimedia being stored to a database the mobile and wearable device, wherein the multimedia includes one of more of the following:
• a text, a photo, a sound, a video, an animation, a geographic location, and an object being captured by grabbing screenshots of the mobile and wearable device, the screenshots including links including one or more of the following:
• a Shop Now link, a Book Now link, a Download link, a Learn More link, a Buy Now link, a Pay Now link, and a Sign Up link;
• based on the duration of the of the haptic input associated with the multimedia capture operation, select one or more multimedia types for recording from the captured multimedia based on predetermined rules associated with a predetermined time of the providing the haptic control by the user;
• store the one or more multimedia types into the database of the mobile and wearable device and the cloud storage;
• in response to the calling operation being selected:
• provide a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient;
• and
• upon receipt of the call recipient, perform a call with the call recipient via a data network;
• in response to the messaging operation being selected:
• provide a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a message recipient;
• and
• upon receipt of the message and the selection of the message recipient, send the message to the message recipient via the data network;
• a sensing unit in communication with the processor being configured to sense the haptic input via the haptic control, wherein the haptic input includes a touch of the user to the haptic control;
• and
• a database in communication with the processor, the database being configured to store at least the captured multimedia and the one or more multimedia types;
• wherein the cloud-based application is executed by the processor of the mobile and wearable device and is connected to the cloud network and is provided on the mobile and wearable device via one or more of the following:
• a web browser, a projector, and a hologram;
• wherein the cloud-based application is provided for purchasing in one or more applications stores, the one or more applications stores being associated with an operating system, the operating system including one of the following:
• Microsoft Windows, Linux, Android, Blackberry, iOS, and Windows Phone;
• wherein the cloud-based application is provided free of charge or at a predetermined price;
• wherein the cloud-based application includes at least a physical card emulation (PCE) client, the PCE client is configured to provide emulation of a physical card to combine physical payment cards with cloud computing and provide an emulated payment card, wherein the physical payment card is emulated based on metadata associated with the user, a phone number associated with the user, and data associated with a point of sale (POS) terminal of the merchant, wherein the PCE client is configured to provide a virtual representation of emulated payment card;
• wherein the processor of the mobile and wearable device is configured to run the PCE client, provide two communication paths for NFC commands from the POS terminal based on an application identifier (AID) associated with the PCE client;
• wherein the processor is configured to use the AID to route the NFC commands to the cloud-based application managing the emulation of the physical card;
• and
• wherein when the user presents the emulated payment card for transaction, an NFC command is routed to the PCE client for verification and authorization using the cloud-based application, wherein the cloud-based application is configured to connect to a backend associated with an issuer of the physical payment card to complete the transaction;
• wherein the cloud-based application is associated with a trusted tokenization node, the trusted tokenization node being a shared resource used to generate and de-tokenize tokens representing data associated with the physical payment card at the backend associated with the issuer;
• and
• wherein the PCE client provides multi-level security by providing limited use keys, tokenization, device fingerprinting, and dynamic risk analysis, wherein the limited use keys are derived from a master domain key shared by the issuer, wherein a use of the limited use keys is associated with time to live of the limited use keys and a number of transactions to be performed using the limited use keys, wherein the device fingerprints are profiles accosted with the mobile and wearable device and are used to determine that transactions are initiated only by an authorized mobile and wearable device at recognized locations of the POS terminal.

A non-transitory computer-readable medium comprising instructions, which when executed by one or more processors of a mobile and wearable device, perform the following operations:

• provide a payment, multimedia capture, calling, and messaging interface on a display of a mobile and wearable device, wherein the payment, multimedia capture, calling, and messaging interface includes a haptic control configured to sense a haptic input of a user, wherein the payment, multimedia capture, calling, and messaging interface is further configured to receive a selection from a list of predetermined operations;
• sense the haptic input via the haptic control, wherein the haptic input includes a touch of the user to the haptic control;
• analyze the haptic input to determine a duration of the haptic input;
• based on the duration of the haptic input, select an operation from the list of predetermined operations to be performed by a cloud-based application associated with the mobile and wearable device, wherein the predetermined operations include at least a payment operation, a multimedia capture operation, a calling operation, and a messaging operation, wherein the mobile and wearable device is operable to perform each of the payment operation, the multimedia capture operation, the calling operation, and the messaging operation, wherein the selecting of the payment operation is associated with making a payment request by the user;
• in response to the haptic input, activate the cloud-based application, the cloud-based application running on the mobile and wearable device and being associated with a cloud storage, wherein the cloud-based application is related to one or more dedicated folders provided on one or more client devices associated with the user, the one or more dedicated folders synchronizing across the one or more client devices, and contents of the one or more dedicated folders being accessible via a web resource and the cloud-based application, the cloud-based application including a payment, multimedia capture, calling, and messaging application, wherein the payment, multimedia capture, calling, and messaging application is associated with an application protocol, the application protocol being integrated into a communication platform associated with the mobile and wearable device;
• operably connect the mobile and wearable device to the cloud storage, wherein the cloud storage is configured to store payment details of the user, the payment details being provided by the user during a first launch of the cloud-based application on the mobile and wearable device;
• in response to the payment operation being selected:
• receive the payment details associated with the user from the cloud storage, the payment details being used to perform a payment via the mobile and wearable device based on the payment request;
• receive an indication that the user brings the mobile and wearable device in proximity to a merchant device associated with a merchant to make the payment to the merchant, wherein the indication is received based on sensing an interaction of the mobile and wearable device with the merchant device, wherein the interaction includes at least a near field communication (NFC), wherein the NFC is used to pair the mobile and wearable device and the merchant device upon bringing the mobile and wearable device into proximity to the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein the payment details and authorizing data associated with the user are stored in the cloud storage associated with the cloud network, wherein upon pairing the mobile and wearable device with the merchant device at least a Bluetooth wireless short range connection between the mobile and wearable device and the merchant device is established;
• based on the interaction, receive product data and merchant data, the product data and the merchant data being provided by the merchant device, the product data including at least a price of a product associated with the payment;
• prompt the user to provide an authentication information, the prompting includes at least displaying an authentication button on a display of the mobile and wearable device;
• authenticate an identity of the user, the authenticating including at least a biometric authentication, wherein the biometric authentication includes a fingerprint authentication, an iris pattern authentication, a heartbeat authentication, and a vein pattern identification;
• wherein the vein pattern identification is performed using scanning of one or more of the following:
• a palm vein pattern, a wrist vein pattern, a hand vein pattern, a leg vein pattern, a foot vein pattern, a neck vein pattern, and a head vein pattern;
• wherein the fingerprint authentication includes:
• scan fingerprints of at least one finger of the user when the user touches one or more or the following:
• the display of the mobile and wearable device, a button of the mobile and wearable device, and a rear panel of the mobile and wearable device;
• and
• match the fingerprints to one or more approved fingerprints, the one or more approved fingerprints being stored in the cloud storage;
• upon the matching, encrypt the payment request associated with the payment operation to obtain an encrypted payment request, wherein the encrypting of the payment request includes generating, by the processor, a one-time code, the one-time code encoding at least the payment details of the user, the product data, and the merchant data;
• transmit the encrypted payment request to a financial organization;
• receive from the financial organization, a confirmation of the payment from the user to the merchant performed by the financial organization;
• and
• store information associated with the payment to a database of the mobile and wearable device associated with the user;
• wherein the payment operation is authorized in part when a geographic location determined by the mobile and wearable device matches a geographic location of the merchant at a time of the selecting of the payment operation;
• wherein the selecting the payment operation via the haptic control includes activating, via the cloud-based application associated with the processor of the mobile and wearable device, one or more applications providing one or more of the following services:
• an import and export service for international trade and trade assurance (ITTA) services;
• a service providing customs clearance preparation and assistance in foreign exchange collections;
• an online platform providing professional import and export business process outsourcing (IEBPO) services to cross border trade enterprises and bringing business process operations online;
• an online platform for consolidating scattered service resources for cross border trade partners and providing professional services including customs clearance, logistics, trade insurance, financing services and freight forwarding services;
• an e-commerce service providing consumer-to-consumer, business-to-consumer, and business-to-business sales services via web portals;
• a third-party online escrow (TPOE) service, in which buyers verify whether goods they have bought before releasing money to a seller;
• a third-party service providing microcredit very small loans (microloans) to impoverished borrowers who lack collateral, steady employment and a verifiable credit history, wherein designed not only to support entrepreneurship and alleviate;
• in response to the multimedia capture operation being selected:
• capture by one or more sensors of the mobile and wearable device to obtain captured multimedia, the captured multimedia being stored to the database the mobile and wearable device, wherein the multimedia includes one of more of the following:
• a text, a photo, a sound, a video, an animation, the geographic location of the mobile and wearable device, and an object being captured by grabbing screenshots of the mobile and wearable device, the screenshots including links including one or more of the following:
• a Shop Now link, a Book Now link, a Download link, a Learn More link, a Buy Now link, a Pay Now link, and a Sign Up link;
• based on the duration of the of the haptic input associated with the multimedia capture operation, select one or more multimedia types for recording from the captured multimedia based on predetermined rules associated with a predetermined time of the providing the haptic control by the user;
• and
• store the one or more multimedia types into the database of the mobile and wearable device and the cloud storage;
• in response to the calling operation being selected:
• provide a calling interface on the display of the mobile and wearable device, to enable the user to provide, via the calling interface, a call recipient;
• and
• upon receipt of the call recipient, perform a call with the call recipient via a data network;
• in response to the messaging operation being selected:
• provide a messaging interface on the display of the mobile and wearable device to enable the user to provide, via the messaging interface, a message and a selection of a message recipient;
• and
• upon receipt of the message and the selection of the message recipient, send the message to the message recipient via the data network;
• wherein the cloud-based application is executed by the processor of the mobile and wearable device and is connected to the cloud network and is provided on the mobile and wearable device via one or more of the following:
• a web browser, a projector, and a hologram;
• wherein the cloud-based application is provided for purchasing in one or more applications stores, the one or more applications stores being associated with an operating system, the operating system including one of the following:
• Microsoft Windows, Linux, Android, Blackberry, iOS, and Windows Phone;
• wherein the cloud-based application is provided free of charge or at a predetermined price;
• wherein the cloud-based application includes at least a physical card emulation (PCE) client, the PCE client is configured to provide emulation of a physical card to combine physical payment cards with cloud computing and provide an emulated payment card, wherein the physical payment card is emulated based on metadata associated with the user, a phone number associated with the user, and data associated with a point of sale (POS) terminal of the merchant, wherein the PCE client is configured to provide a virtual representation of emulated payment card;
• wherein the processor of the mobile and wearable device is configured to run the PCE client, provide two communication paths for NFC commands from the POS terminal based on an application identifier (AID) associated with the PCE client;
• wherein the processor is configured to use the AID to route the NFC commands to the cloud-based application managing the emulation of the physical card;
• and
• wherein when the user presents the emulated payment card for transaction, an NFC command is routed to the PCE client for verification and authorization using the cloud-based application, wherein the cloud-based application is configured to connect to a backend associated with an issuer of the physical payment card to complete the transaction;
• wherein the cloud-based application is associated with a trusted tokenization node, the trusted tokenization node being a shared resource used to generate and de-tokenize tokens representing data associated with the physical payment card at the backend associated with the issuer;
• and
• wherein the PCE client provides multi-level security by providing limited use keys, tokenization, device fingerprinting, and dynamic risk analysis, wherein the limited use keys are derived from a master domain key shared by the issuer, wherein a use of the limited use keys is associated with time to live of the limited use keys and a number of transactions to be performed using the limited use keys, wherein the device fingerprints are profiles accosted with the mobile and wearable device and are used to determine that transactions are initiated only by an authorized mobile and wearable device at recognized locations of the POS terminal.