Patent ID: 8688526
Filing Date: 2014-04-01
Classification: G06Q,G07F,H04B,H04M,H04N,H04W

Abstract:
1. A method comprising: maintaining payment account information, payment account identifiers associated with the payment account information, and an identification code by using a mobile operating system platform non browser based payment application in a mobile device memory included in a mobile device, wherein the payment application 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 from a user selecting a payment account identifier; receiving input from the user at the mobile device to initiate a transaction to purchase an item; wirelessly transmitting the selected payment account identifier stored in the mobile device memory to a point of sale terminal by using a first wireless communication channel, wherein execution of the payment application facilitates a transfer of the selected payment account identifier to the point of sale terminal, the point of sale terminal connected to a management server; sending a request from the payment application for a digital artifact to the management server for display within a specific payment application generated screen, wherein the digital artifact is selected based on correlating targeting parameters, the specific payment 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 at the payment application from the management server which processes the transaction using the selected payment account identifier associated with the payment account information; and displaying the digital artifact received from the management server within the specific payment application generated screen.