Abstract:
A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen.

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
       [0001]    This application is a continuation and claims priority to application Ser. No. 13/736,056, filed Jan. 7, 2013, titled “REMOTE TRANSACTION PROCESSING USING A DEFAULT PAYMENT METHOD” which is a continuation and claims priority to application Ser. No. 11/948,903, filed Nov. 30, 2007, titled “METHOD AND SYSTEM FOR CONDUCTING AN ONLINE PAYMENT TRANSACTION USING A MOBILE COMMUNICATION DEVICE”, now U.S. Pat. No. 8,352,323 issued on Jan. 8, 2013 both of which are incorporated by reference herein in their entirety. 
     
    
     FIELD OF INVENTION 
       [0002]    The present invention relates to data communications and wireless devices. 
       BACKGROUND OF THE INVENTION 
       [0003]    Mobile communication devices e.g., cellular phones, personal digital assistants, and the like are increasingly being used to conduct payment transactions as described in U.S. patent application Ser. No. 11/933,351, entitled “Method and System For Scheduling A Banking Transaction Through A Mobile Communication Device”, and U.S. patent application Ser. No. 11/467,441, entitled “Method and Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel and Another Communication Channel, both of which are incorporated herein by reference. Such payment transactions can include, for example, purchasing goods and/or services, bill payments, and transferring funds between bank accounts. 
       BRIEF SUMMARY OF THE INVENTION 
       [0004]    In general, this specification describes 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. 
         [0005]    Particular implementations can include one or more of the following features. The point of sale device can be a desktop computer, a laptop computer, or a terminal. The mobile communication device can be a cellular phone, a wireless personal digital assistant (PDA), or a laptop computer. The cellular phone can be an NFC-enabled phone. Sending payment authorization for the total purchase amount from the point of sale device to a payment entity can include sending the payment authorization securely to the payment entity. The payment entity can be a person, a computer system, or a bank. The method can further include maintaining a shopping list on the mobile communication device of the user, in which the shopping list includes a listing of one or more items to be purchased by the user. The payment authorization can be an authorization for payment with a credit card, a debit card, or a prepaid card. 
         [0006]    The details of one or more implementations are set forth in the accompanying drawings and the description below. Other features and advantages will be apparent from the description and drawings, and from the claims. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0007]      FIG. 1  illustrates a block diagram of a communication system including a wireless mobile communication device and a management server in accordance with one implementation. 
           [0008]      FIG. 2  illustrates one implementation of the wireless mobile communication device of  FIG. 1 . 
           [0009]      FIG. 3  is a method for conducting a payment transaction using a point of sale device in accordance with one implementation. 
           [0010]      FIG. 4  illustrates a block diagram of a communication system including a wireless mobile communication device and an online store in accordance with one implementation. 
           [0011]      FIG. 5  is a block diagram of a data processing system suitable for storing and/or executing program code in accordance with one implementation. 
       
    
    
       [0012]    Like reference symbols in the various drawings indicate like elements. 
       DETAILED DESCRIPTION OF THE INVENTION 
       [0013]      FIG. 1  illustrates one implementation of a communication system  100 . The communication system  100  includes a hand-held, wireless mobile communication device  102  a point-of-sale device  104  and a management server  106 . In one implementation, the mobile communication device  102  includes a mobile application (discussed in greater detail below) that permits a user of the mobile communication device  102  to conduct payment transactions. Payment transactions can include, for example, using contactless payment technology at a retail merchant point of sale (e.g., through point of sale device  104 ), using mobile/internet commerce (e.g., purchase tickets and products, etc.), storage of payment information and other digital artifacts (e.g., receipts, tickets, coupons, etc.), storage of banking information (payment account numbers, security codes, PIN&#39;s, etc.), and accessing banking service (account balance, payment history, bill pay, fund transfer, etc.), and so on. The mobile communication device  102  can be a cellular phone, a wireless personal digital assistant (PDA), a laptop computer, or other wireless communication device. The point of sale device  104  can be a desktop computer, laptop computer, terminal, or other device that is configured to receive user input selecting items for purchase or other transaction. 
         [0014]    In one implementation, authorizations for payment transactions that are made through the point of sale device  104  are sent from the point of sale device  104  to an issuer authorization (e.g., management server  106 ) through the mobile communication device  102  (as shown in  FIG. 1 ). In one implementation, an issuer authorization is a payment entity that either approves or disapproves a payment transaction. An issuer authorization can be, e.g., a person, computer system, bank (or other third party). One potential benefit of having payment authorizations flow through the mobile communication device  102  is that sensitive user information (e.g. account numbers, pin numbers, and/or identity information) need only be sent from the mobile communication device  102  directly to an issuer authorization. Such operation reduces the potential for identity theft and/or fraudulent purchases made through a point of sale device. For example, (in one implementation) payment authorizations cannot be sent to an issuer authorization if the mobile communication device  102  is turned off: 
         [0015]      FIG. 2  illustrates one implementation of the mobile communication device  102 . The mobile communication device  102  includes a mobile application  200  that (in one implementation) is provided to the mobile communication device  102  through a remote server (e.g., management server  106 ). In one implementation, the mobile application is a Mobile Wallet application available from Mobile Candy Dish, Inc., of Alameda, Calif. In one implementation, the mobile application is a hosted service, as described in U.S. patent application Ser. No. 11/939,821, entitled “Method and System For Securing Transactions Made Through a Mobile Communication Device”, which is incorporated herein by reference. In one implementation, the mobile application  200  is configured to send requests to the management server for artifacts based on user input, e.g., received though a keypad (not shown) of the mobile communication device  102 . Requests to the management server  106  can also be automated, via proximity-based services, e.g., consumer tapping (or in close proximity) an LBS/contactless/RFID enabled phone against a smart poster (RFID/Bluetooth/LBS enabled, etc.), kiosk, or other device. 
         [0016]    In one implementation, the mobile application  200  running on the mobile communication device  102  is configured to receive artifacts (e.g., advertisements, receipts, tickets, coupons, media, content, and so on) from the management server  106 . In one implementation, the management server  106  sends artifacts to the mobile application based on user profile information and/or a transaction history (or payment trends) associated with a user of the mobile communication device  102  as described in U.S. patent application Ser. No. 11/944,267, entitled “Method and System For Delivering Information To a Mobile Communication Device Based On Consumer Transactions”, which is incorporated herein by reference. 
         [0017]    In one implementation, the mobile communication device  102  is an NFC-enabled phone, The mobile communication device  102  can be NFC-enabled, for example, through an embedded chip or a sticker that is affixed to the cellular phone, as described in U.S. application Ser. No. 11/933,321, entitled “Method and System For Adapting a Wireless Mobile Communication Device For Wireless Transactions”, which is incorporated herein by reference. In one implementation, the NFC chip (or sticker) on the cellular phone can be used in conjunction with a merchant&#39;s point of sale device as described in greater detail below. 
         [0018]    For example, with reference to  FIG. 4 , in one implementation, the NFC chip (or sticker) on the cellular phone can communicate with NFC chips that are installed on the front of PC&#39;s (TV&#39;s, Kiosks, or any other device) and serve as scanners/readers. In this implementation a mobile candy dish applet (e.g., MCD POS plugin  414 ) is installed on the consumer&#39;s computer (e.g., PC  404 ) which interfaces with the NFC chip on the PC. When a consumer (or user) lopping online and they are ready to pay for their products, the consumer opens his mobile wallet and selects one of the payment methods (e.g., credit card, debit card, prepaid card, etc.) from their mobile wallet. If a default card has been selected already, this step is not necessary. The consumer then waves their phone over the NFC reader present on the PC  404 . The consumer&#39;s payment credentials are transferred from the phone to the merchant website (e.g., online store application  410 ) using a communication protocol between the chip in the phone and the chip in the PC, which can be radio frequency for example. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use (against a larger purchase for example), or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information (e.g., pin) to provide a multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant&#39;s online processor. The mobile wallet can retrieve transaction data, account balance from the management server  408 . 
         [0019]    In one implementation, the mobile communication device  102  is a non NFC-enabled phone. In this implementation, the consumer connects his phone to the PC  404  via some non radio frequency method (e.g., IR, Bluetooth, USB cable, etc.). When a consumer is shopping online and they are ready to pay for their products, the consumer opens his mobile wallet and selects one of the payment methods (e.g., credit card, debit card, prepaid card, etc.) from their mobile wallet. If a default card has been selected already, this step is not necessary. The consumer then pushes, e.g., a “Buy now” button and the consumer&#39;s payment credentials are transferred from the phone to the merchant website (e.g., online store application  410 ) using the protocol between the phone and the PC  404  which can be radio frequency, for example. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information (e.g., pin) to provide multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant&#39;s online processor. The mobile wallet can retrieve transaction data and account balance from the management server  408 . 
         [0020]    In one implementation, the management server  408  and merchant portal (e.g., online store  408 ) are maintained by trusted parties and use an encrypted tunnel to transfer financial data. When the consumer is ready to pay for their online product, they enter their cell phone number on the merchant portal. The merchant portal (which has an MCD applet (e.g., MCD POS plugin  414 ) installed on its server) securely connects to the management server  408  (that in one implementation is maintained by Mobile Candy Dish (MCD)). In one implementation, the management server  408  identifies the consumer through their cell phone number, and verifies the consumer&#39;s authenticity by sending a unique transaction code to the consumer mobile wallet on their cell phone. The consumer then enters this unique transaction code onto the merchant&#39;s web portal. The merchant portal sends this transaction number to the management server  408  for authentication. Upon authentication, the consumer&#39;s virtual wallet and payment methods (e.g., credit card, debit card, prepaid card, etc.) are securely retrieved, from the management server  408  and are displayed to the consumer in a window on a website associated with the merchant portal. The consumer selects one of these payment methods to pay for their transaction. If a default card has been selected already, this step is not necessary. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. After the consumer enters any necessary validation information to provide a multi-factor authentication and confirms the transaction, the online purchase is processed as normal by the merchant&#39;s online processor. The mobile wallet can retrieve transaction data, account balance from the management server  408 . 
         [0021]    Referring to  FIG. 2 , in one implementation, the mobile application  200  maintains a shopping list  202  for a consumer. Accordingly, consumers have the ability to store their shopping list in their mobile wallet and add, delete, or change items on their shopping list either in offline or online mode. In one implementation, consumers are sent coupons based on items on their shopping list, preferences, previous shopping history, proximity to the physical retail store, or a combination of these parameters, as discussed in application Ser. No. 11/944,267, which is incorporated by reference above. If the consumer has coupons in their mobile wallet the consumer can either elect to manually apply the coupon, save the coupon for a future use, or have the coupon automatically applied during the transaction and the transaction amount is updated. When a consumer wants to order the items on their shopping list via an on online merchant (in contrast to a physical retail store), the consumer can logon to the merchant portal and electronically transmit their shopping list to the merchant portal either by waving their phone over NFC enabled PC&#39;s or some other connection such as IR, bluetooth, USB, or the like. 
         [0022]      FIG. 3  illustrates a method  300  for conducting a payment transaction using a point of sale device (e.g., point of sale device  104 ). User input is received selecting one or more items for purchase (e.g., at the point of sale device) (step  302 ). In general, the transaction being made at the point of sale device can be any type of transaction that involves the exchange or transfer of fluids e.g., the transaction can be a payment transaction, a fund transfer, or other type of transaction. In response to a request from the user to purchase the one or more items, a total purchase amount for the one or more items is calculated (e.g., by the point of sale device) (step  304 ). If the user has coupons in their mobile wallet the user can either manually apply the coupon or have the coupon automatically applied during the transaction and the transaction amount is updated. The user request to purchase an item can be received, e.g., by a user clicking on a “buy now” icon that is displayed on a graphical user interface of the point of sale device. Payment authorization for the total purchase amount is sent to a payment entity through a mobile communication device of the user (step  306 ). A result of the payment authorization is received at the point of sale device from the payment entity via the mobile communication device (step  308 ). The payment transaction is completed based on the result of the payment authorization (step  310 ). If the payment transaction was authorized by the payment entity, then the sale of the items through the point of sale device is completed. Otherwise, if the payment transaction was not authorized by the payment entity, then the point of sale device terminates the payment transaction. 
         [0023]      FIG. 4  illustrates an example payment transaction being made in a communication system  400  in accordance with one implementation. The communication system  400  includes a mobile communication device  402 , a personal computer (PC)  404 , an online store  406 , and a core (or datastore)  408 . As indicated by interaction (1), a user (or customer), using a phone (e.g., mobile communication device  402  or personal computer  404 ), browses an online store website (online store application  410 ) and finds an item that the customer wishes to purchase. This could also be a purchase made through a midlet application (POS midlet  412 ) residing on the mobile communication device  402 . The user then goes to, e.g., a checkout of the online store  406  make a purchase. If the user has coupons in their mobile wallet the user can either manually apply the coupon or have the coupon automatically applied during the transaction and the transaction amount is updated. When it comes time to authorize the purchase, (in one implementation) the user is given an option to purchase with the mobile communication device  402 . In one implementation, the mobile communication device  402  is an NFC-equipped phone (or NFC phone). 
         [0024]    In interaction (2), when the user chooses to purchase with the mobile communication device  402 , the online store application  410  sends the transaction information for authorization to the PUS vendor plugin (e.g., MCD PUS plugin  414 ). In one implementation, the PUS vendor plugin is installed in the merchant&#39;s online store and enables the merchant to accepts MCD Blaze payments as an alternative form of payment, similar to accepting credit cards for payment. As shown by interaction (3), the POS vendor plugin formats, encrypts, and cryptographically signs the purchase authorization request which is sent via a secure SSL link (e.g., HTTPS, Bluetooth, IR, USB, or other suitable protocol) established by the browser/web application  416  back to the mobile communication device  402 . As with the first scenario, all communications is over secure channels. (It may be required that the mobile wallet application be opened prior to beginning a phone online purchase.) The POS midlet  412  is a component of the mobile wallet application that executes PayPass or other payment authorization protocol between itself and the SE payment applications on the mobile communication device  402  (interaction (4)). The results of the request are sent back to the PUS vendor plugin. 
         [0025]    As shown by interaction (5), the POS midlet  412  then forwards the properly formatted authorization request to a payment entity (e.g., issuer authorization  418 ) for authorization. The results of the request are then sent back to the PUS component of the mobile wallet. Through interaction (6), the POS midlet  412  then forwards the results back to the MCD PUS plugin  414  to complete the purchase. The MCD POS plugin  414  then forwards the purchase transaction information to the management server  408  for later customer viewing (interaction (7)). As indicated by interaction (8), users (or customers) will then be able to query the management server  408  and immediately obtain purchase information, either by phone or PC. 
         [0026]    One or more of method steps described above can be performed by one or more programmable processors executing a computer program to perform functions by operating on input data and generating output. Generally, the invention can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment containing both hardware and software elements. In one implementation, the invention is implemented in software, which includes but is not limited to firmware, resident software, microcode, etc. Furthermore, the invention can take the form of a computer program product accessible from a computer-usable or computer-readable medium providing program code for use by or in connection with a computer or any instruction execution system. For the purposes of this description, a computer-usable or computer readable medium can be any apparatus that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. The medium can be an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system (or apparatus or device) or a propagation medium. Examples of a computer-readable medium include a semiconductor or solid state memory, magnetic tape, a removable computer diskette, a random access memory (RAM), a read-only memory (ROM), a rigid magnetic disk and an optical disk. Current examples of optical disks include compact disk read only memory (CD-ROM), compact disk read/write (CD-R/W) and DVD. 
         [0027]      FIG. 5  illustrates a data processing system  500  suitable for storing and/or executing program code. Data processing system  500  includes a processor  502  coupled to memory elements  504 A-B through a system bus  506 . In other implementations, data processing system  500  may include more than one processor and each processor may be coupled directly or indirectly to one or more memory elements through a system bus, Memory elements  504 A-B can include local memory employed during actual execution of the program code, bulk storage, and cache memories that provide temporary storage of at least some program code in order to reduce the number of times the code must be retrieved from bulk storage during execution. As shown, input/output or I/O devices  508 A-B (including, but not limited to, keyboards, displays, pointing devices, etc.) are coupled to data processing system  500 . I/O devices  508 A-B may be coupled to data processing system  500  directly or indirectly through intervening I/O controllers (not shown). 
         [0028]    In one implementation, a network adapter  510  is coupled to data processing system  500  to enable data processing system  500  to become coupled to other data processing systems or remote printers or storage devices through communication link  512 . Communication link  512  can be a private or public network. Modems, cable modems, and Ethernet cards are just a few of the currently available types of network adapters. 
         [0029]    Although the present invention has been particularly described with reference to implementations discussed above, various changes, modifications and substitutes are can be made. Accordingly, it will be appreciated that in numerous instances some features of the invention can be employed without a corresponding use of other features. Further, variations can be made in the number and arrangement of components illustrated in the figures discussed above.