Patent ID: 8583494
Filing Date: 2013-11-12
Classification: G06Q,G07F,H04B,H04M,H04N,H04W

Abstract:
1. A method comprising: maintaining payment account information by using a mobile device operating system platform based payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile application 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 wireless fidelity (WiFi) interface; receiving input at the payment application running on the mobile device from a user to purchase an item selected at the mobile device, sending a request to a management server for a digital artifact for display within a specific payment application generated screen, the payment 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 two or more targeting parameters from personal information and transaction history for the user; receiving the digital artifact from the management server; displaying the digital artifact within the specific payment application generated screen, wherein the payment application screen corresponds to is a specific screen, scene, or real estate property; receiving a payment account identifier; wirelessly and securely transmitting the payment account identifier corresponding to a user selected payment method to the management server; and wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a user selected payment method.