Patent ID: 8725575

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 non-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 at the payment application running on the mobile device from a user to initiate a transaction to purchase an item selected at the mobile device; wirelessly transmitting a transaction confirmation to a management server; sending a request from the payment application to the management server for a digital artifact for display within a specific payment application generated screen, wherein the digital artifact is selected by the management server based on correlating targeting parameters, the specific payment application generated screen corresponding to a specific screen, scene, or real estate property; receiving the digital artifact from the management server which processes the transaction using a payment method from a plurality of payment methods, the plurality of payment methods including a default payment method associated with the user and a user selected payment method associated with the user; and displaying the digital artifact within the specific payment application generated screen.