Patent ID: 8589237

Claim:
A method, comprising: maintaining payment account information by using a payment application in a mobile device memory included in a mobile device, wherein the payment application is not browser based and is a mobile operating system platform based 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 (Wi-Fi) interface; receiving input from a user at the mobile device to purchase an item selected at the mobile device; sending a request for a digital artifact for display within a specific payment application generated screen to a management server, the payment application screen corresponding to a specific screen, scene, or real estate property, wherein the management server maintains plurality of user profiles and promotions 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 a specific screen, scene, or real estate property; wirelessly transmitting authentication information to the management server, the management server configured to process a transaction using a default payment method; and receiving response information at the mobile device from the management server.