CN111406269A - One-touch and one-time scanning payment and purchase using haptic controls through messaging and call multimedia systems on mobile and wearable devices, currency token interfaces, point-of-sale devices, and electronic payment cards - Google Patents

Abstract

Computer-implemented methods and systems for messaging, calling, one-touch and one-time scanning payments and purchases through mobile and wearable devices are provided. An exemplary system includes a processor and a database in communication with the processor. The processor is configured to provide a haptic control associated with the system. The haptic control is displayed on the display of the mobile and wearable device, overlapping with other visual elements. The haptic control provides a mode selection element associated with a payment mode, a messaging mode, and a call mode. The processor receives a selection of a payment mode from a user through a mode selection element. Upon selection, the context is extracted from the display. Based on the context, a determination is made as to the type of payment transaction the user intends to perform. The payment transaction types include a payment receipt transaction and a payment sending transaction. Based on the determination, a transaction request is sent to the financial institution using the extraction.

Description

Messaging and calling multimedia systems, goods on mobile and wearable devices Coin token interfaces, point-of-sale devices, and electronic payment cards use tactile controls for an Touch and one-scan payments and purchases

technical field

The present application relates generally to data processing and, more particularly, to methods and systems for one-touch and one-scan purchases and payments performed by mobile and wearable devices.

Background technique

Mobile payments generally refer to payment operations performed through mobile or wearable devices. Operations performed through mobile and wearable devices can include e-commerce transactions, retail purchases, micropayments and other everyday payments. Mobile payments can be done using credit cards, debit cards, gift cards and virtual currency. While mobile payments facilitate and stimulate transactions, the process of providing financial details and authentication can be tedious and time-consuming. Therefore, the convenience of mobile payment for daily micropayment is hindered.

SUMMARY OF THE INVENTION

This Summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This Summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to assist the user in determining the scope of the claimed subject matter.

A computer-implemented method and system for messaging, calling, and one-touch and one-scan payments and purchases via mobile and wearable devices is provided. Using the methods or systems described herein, users can perform convenient electronic payments from any location. For this purpose, users can sign up for messaging, calling, one-touch and one-scan payment and purchase systems. During registration, the user can provide his financial information. Financial information can include: bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile currency information, digital currency account, SDK payment information, in-app payment information, Social network payment information, prepaid card information, API payment information, mobile account payment information, mobile money information, etc. When desired, users can activate haptic controls associated with messaging, calling, and one-touch and one-scan payment and purchase systems. Haptic controls can be displayed on the device's video output and overlapped with other applications or pages. The haptic controls may provide mode selection elements associated with payment mode, messaging mode, call mode, and multimedia capture mode. Through the haptic controls, the messaging, calling, and one-touch and one-scan payment and purchase systems can receive a selection of a payment mode from the user through the mode selection element of the haptic control. When selected, context can be extracted from the display of mobile and wearable devices. Based on the context, the type of payment transaction the user intends to perform can be determined. Payment transaction types may include payment receiving transactions and payment sending transactions. Based on the determination, a transaction request may be generated using the extracted data and financial information provided by the user during registration.

To the achievement of the above and related objects, the one or more aspects comprise the features hereinafter fully described and particularly pointed out in the claims. The following description and drawings set forth certain illustrative features of one or more aspects in detail. These features are indicative, however, of but a few of the various ways in which the principles of various aspects may be employed and this description is intended to include all such aspects and their equivalents.

Description of drawings

Embodiments are illustrated by way of example and not limitation in the figures of the accompanying drawings, wherein like reference numerals refer to like elements, and in the accompanying drawings:

1 is a block diagram illustrating an environment within which systems for messaging, calling, and one-touch and one-scan payment and purchase systems may be implemented and methods of use thereof, according to example embodiments.

2 is a block diagram illustrating various modules of a messaging, calling, and one-touch and one-scan payment and purchase system in accordance with certain embodiments.

3 is a flowchart illustrating a method for messaging, calling, and one-touch and one-scan payments and purchases via mobile and wearable devices, according to certain embodiments.

4 is a block diagram illustrating a haptic control according to some embodiments.

5 is a block diagram illustrating one-touch and one-scan payment and purchase operations using messaging, calling, and one-touch and one-scan payment and purchase systems, in accordance with certain embodiments.

6 is a block diagram illustrating various modules for messaging, calling, and one-touch and one-scan payments and purchases of mobile services using one-touch buttons in accordance with certain embodiments.

Detailed ways

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the concepts presented. The concepts presented may be practiced without some or all of these specific details. In other instances, well-known processing operations have not been described in detail so as not to unnecessarily obscure the concepts described. While some concepts will be described in conjunction with specific embodiments, it should be understood that these embodiments are not limiting.

This document describes various computer-implemented methods and systems for messaging, calling, and one-touch and one-scan payments and purchases via mobile and wearable devices. The described system enables users to make and request payments with a single touch using a mobile device. To facilitate access to the system, the user starts the system. When the system is activated, one-touch buttons are displayed on the display of the mobile device, on other applications and/or widgets. One-touch buttons have at least three controls to activate messaging, calling, or one-touch and one-scan payments. The one-touch payment control, when activated, determines whether the user intends to make a payment or requests payment through the context in the view on the display and performs the corresponding action. This accelerated payment process can facilitate electronic purchases and stimulate electronic commerce.

Referring now to the drawings, FIG. 1 illustrates an environment 100 within which messaging, calling, one-touch and one-scan payment and purchase systems and methods of use may be implemented. Environment 100 may include: user 120; client device 130; network 110; messaging, calling, and one-touch and one-scan payment and purchase system 200. Messaging, calling, and one-touch and one-scan payment and purchase system 200 may provide haptic controls on the display of client device 130 upon user request. Haptic controls may include, for example, one-touch buttons. Client devices 130 may include smartphones, tablets, laptops, augmented reality glasses, smart watches, and the like.

Through the tactile controls, the user 120 can exchange messages 160 with the recipient 140, make calls 170, and perform or request one-touch and one-scan payments 180. Messages 160, calls 170, and one-touch and one-scan payments 180 are transmitted over network 110 using client device 130 to system 200 and further to recipient 140 or payee (not shown).

网络。网络110可以包括任何合适数量和类型的设备(例如，路由器和交换机)，用于将命令、内容和/或web对象请求从每个客户端转发到在线社区应用并且响应回客户端。Network 110 may include the Internet or any other network capable of transferring data between devices. For example, suitable networks may include or interface with any one or more of the following: local intranet; PAN (personal area network); LAN (local area network); WAN (wide area network) ); MAN (Metropolitan Area Network); Virtual Private Network (VPN); Storage Area Network (SAN); Frame Relay connection; Advanced Intelligent Network (AIN) connection; Synchronous Optical Network (SONET) connection; Digital T1, T3, E1 or E3 lines; Digital Data Service (DDS) connections; DSL (Digital Subscriber Line) connections; Ethernet connections; ISDN (Integrated Services Digital Network) lines; dial-up ports such as V.90, V.34 or V.34bis analog modems connection; cable modem; ATM (Asynchronous Transfer Mode) connection; or FDDI (Fiber Distributed Data Interface) or CDDI (Copper Distributed Data Interface) connection. Additionally, communications may also include links to any of a variety of wireless networks, including WAP (Wireless Application Protocol), GPRS (General Packet Radio Service), GSM (Global System for Mobile Communications), CDMA (Code Division Multiple Access) or TDMA (Time Division Multiple Access), cellular telephone network, GPS (Global Positioning System), CDPD (Cellular Digital Packet Data), RIM (Research in Motion, Limited) duplex paging network, Bluetooth radio or IEEE 802.11 based radio frequencies network. The network 110 may also include or interface with any one or more of the following: RS-232 serial connections, IEEE-1394 (Firewire) connections, Fibre Channel connections, IrDA ( Infrared) port, SCSI (Small Computer System Interface) connection, Universal Serial Bus (USB) connection or other wired or wireless, digital or analog interface or connection, mesh or

network. Network 110 may include any suitable number and type of devices (eg, routers and switches) for forwarding commands, content, and/or web object requests from each client to the online community application and responding back to the client.

FIG. 2 is a block diagram illustrating various modules of a messaging, calling, and one-touch and one-scan payment and purchase system 200 in accordance with certain embodiments. System 200 may include processor 202 , database 204 and haptic controls 206 . The processor 202 may include a programmable processor, such as a microcontroller, a central processing unit (CPU), or the like. In other embodiments, the processor 202 may comprise an application specific integrated circuit (ASIC) or a programmable logic array (PLA), such as a field programmable gate array (FPGA), designed to implement the functions performed by the system 200 . Accordingly, processor 202 may provide haptic controls associated with messaging, calling, and one-touch and one-scan payment and purchase systems. Haptic controls may be represented, for example, by one-touch buttons shown on displays of mobile and wearable devices. The haptic controls can overlap with other visual elements on the display so that the haptic controls are always visible to the user and not hidden by other screens. In some implementations, haptic controls 206 may be integrated with mobile applications associated with mobile and wearable devices and/or system 200 . One-touch services can be integrated with Import and Export Services for International Trade and Trade Assurance (ITTA) services. One-touch service can also help with customs clearance preparation and assist in foreign exchange collection using only a sticker on a computer screen and one-touch payment. In addition, the one-touch service can be integrated into an online platform that provides professional import and export business process outsourcing (IEBPO) services for cross-border trade enterprises using only one-touch payment, and brings business process operations online and provides trade enterprises with Establish a credit system. The haptic controls may provide mode selection elements associated with payment mode, messaging mode, call mode, and multimedia capture mode. The processor 202 may also receive a selection of a payment mode from the user through the mode selection element of the haptic control 206 . When a payment mode is selected, the processor can extract context from the display of the mobile and wearable devices. The context may include information about a message in a web page, application screen, or view on a display. For example, the context may include the checkout page of an online mall. Based on the context, the processor 202 can determine the type of payment transaction the user intends to conduct (ie, a payment receiving transaction or a payment sending transaction). To this end, the processor 202 can parse the context and identify keywords associated with a particular payment transaction type. For example, a payment sending transaction can be associated with the following keywords: "checkout", "shopping cart", etc. Based on the determined transaction, a transaction request may be sent to the financial institution using the information extracted from the context and the user's financial information stored in database 204 . Financial information may include one or more of the following: bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile money information, and digital money. More specifically, one-touch services can consolidate different kinds of decentralized service resources for cross-border trading partners and provide professional services, including customs clearance, logistics, trade insurance, financing services, and freight forwarding services. One-touch services can be integrated with e-commerce companies that offer consumer-to-consumer, business-to-consumer, and business-to-business sales services through a portal. In some implementations, the transaction request may be associated with a virtual currency. One-touch services can provide third-party online escrow (TPOE) services, where buyers can verify that they are satisfied with the items they have purchased before paying sellers. One-touch service companies can provide microcredit, or very small loans (microloans), by extension, to poor borrowers who often lack collateral, stable employment, and a verifiable credit history, which are designed to not only support Entrepreneurship and poverty alleviation, and in many cases empowering women and uplifting entire communities. The one-touch service can also be integrated with third-party online payment platforms that offer escrow services, where consumers can verify that they are satisfied with what they have purchased before sending money to the seller, which provides The safest way to trade online where funds are held in trust with no chargebacks or reversals.

Transaction requests can be sent without requesting financial information, authorization, or confirmation from the user. However, in some implementations, the user, with the help of options of the system 200, may choose to receive a confirmation request before sending a transaction request. When this option is selected, a confirmation request associated with the transaction request may be provided to the user on the display prior to transmission of the transaction request.

Additionally, the user may select a messaging mode through the mode selection element of the haptic control 206 . The processor can then provide a messaging interface on the display of the mobile and wearable devices. When a message and selection of recipients are received from the user through the messaging interface, the processor 202 may send the message to the recipient over the data network.

If a call mode is selected through the haptic controls 206, the processor 202 may provide a call interface on the display of the mobile and wearable device. Through the call interface, the processor 202 may receive call recipients from a user and initiate data network calls to the call recipients. Data network calls can be made through free Voice over IP (VoIP) services, free Over-the-Top (OTT) services, and the like.

If the multimedia mode is selected through the haptic controls 206, the processor 202 may enable one or more sensors to capture multimedia to obtain the captured multimedia. The processor 202 may analyze the duration of a single touch on a cross-sectional element of the one-touch button associated with the multimedia capture mode. Based on the analysis, the processor 202 can determine the type of captured multimedia to record: images and video recordings. For example, if the duration of a single touch of a one-touch button on a cross-sectional element associated with a multimedia capture mode is one second, the captured multimedia may be processed to generate an image, and if the duration exceeds one second, a video may be generated Record. A video recording may be captured while a single touch of a one-touch button on a cross-sectional element associated with the multimedia capture mode continues. Captured multimedia can be recorded into a database.

3 is a flowchart illustrating a method 300 for messaging, calling, and one-touch and one-scan payments and purchases via mobile and wearable devices, according to some example embodiments. Method 300 may be performed by logic, which may include hardware (eg, special purpose logic, programmable logic, and microcode), software (such as software running on a general purpose computer system or special purpose machine), or a combination of both. In one example embodiment, processing logic resides at system 200 for providing compensation for use of mobile payment services, and various elements of system 200 may perform method 300 . It will be understood by those of ordinary skill in the art that examples of the aforementioned modules may be virtual and the instructions said to be executed by the modules may actually be retrieved and executed by software. Although the various elements may be configured to perform some or all of the various operations described herein, fewer or more elements may be provided and still fall within the scope of the various embodiments.

As shown in FIG. 3 , method 300 may begin by receiving payment information associated with a user in operation 302 . Payment information can also be associated with a user's mobile payment account in messaging, calling, and one-touch and one-scan payment and purchase systems. In operation 304, a unique code encoding the payment information is generated. In operation 306, the unique code is provided to the user.

In operation 308, the method continues to provide haptic controls on the display of the mobile and wearable device. The haptic controls include mode selection elements associated with payment mode, messaging mode, call mode, and multimedia capture mode. The haptic controls may be provided upon receiving a request from the user to enable the haptic controls. To enable haptic controls, the user may be prompted to provide passwords, codes, voice commands, biometric data, and the like. The user may interact with the haptic control by touching a specific area of the haptic control associated with one of the mode selection elements. Additionally, the selection of the active mode may include voice commands, movement commands, and the like. When the user touches one of the mode selection elements, the system determines which of the elements was touched.

In operation 310, a selection of a payment mode is received from the user through the mode selection element of the haptic control. After selection, in operation 312, the context is extracted from the display. Information from screens in view on mobile and wearable devices is captured and analyzed to identify context. Based on the context, the type of payment transaction to perform may be determined in operation 314 . Therefore, it can be determined whether the user is making a payment or requesting a payment based on the information on the display of the mobile and wearable devices.

Based on the determination of the payment transaction type, a transaction request associated with the determined payment transaction type may be sent in operation 316 . The transaction request may include extracted information and/or financial and authorization data associated with the user. Financial data and authorization data may be provided by the user during registration and stored by the messaging, calling, and one-touch and one-scan payment and purchase systems. Financial information may include: bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile money information, digital money, and the like. Transaction requests can be sent to financial operations for processing. The financial organization that performs the payment can be a bank, a credit company, a virtual currency system, etc.

If the transaction request is associated with a payment sending transaction, a deposit amount associated with the payment sending transaction associated with the user may be received in operation 318 . Further, in operation 320, a notification regarding a further payment sending transaction of the user may be received through the mobile payment service. The notification may include at least a unique code and a payment amount for further payment to send the transaction. Based on this notification, compensation, discounts, cashbacks and/or rewards may be offered to the user from the deposit amount. Compensation, discounts, cashbacks and/or incentives can be associated with the payment amount associated with the further payment sending transaction, and a predetermined percentage can be calculated from the payment amount.

Additionally, the system 200 of FIG. 2 can provide a messaging interface to a user on mobile and wearable devices if a messaging mode is selected through a haptic control. Through the messaging interface, messages can be received from users and sent to recipients over a data network. Messages can include text, audio, video, and geographic data. Additionally, messages can be received from other users. Haptic controls can notify the user that one or more messages have been received. The user can activate the messaging interface to read messages and/or reply to messages.

If call mode is selected, a call interface may be provided to the user. The user can select call recipients in his contacts and make a call request. System 200 may receive call requests from users. Based on the call request, the system 200 can initiate a data network call. Calls may include audio calls, video calls, holographic video calls, and the like. Calls can be made through Voice over IP (VoIP) services, free Over-the-Top (OTT) services, and the like. Free VoIP services and free OTT services include voice communications, fax, text messaging, voice messaging, video communications, and multimedia transmission. In various embodiments, free VoIP services and free OTT services are provided over Wi-Fi, 3G networks, 4G networks, 5G networks, 6G networks or higher.

When the multimedia mode is selected, one or more sensors may be enabled to capture multimedia to obtain captured multimedia. The duration of a single touch to a cross-sectional element associated with a multimedia capture mode of a one-touch button can be analyzed. Based on this analysis, the type of multimedia captured can be determined: images and video recordings. When the type is determined, the captured multimedia may be recorded to a database according to the type determined based on the duration. For example, if the duration of a single touch of a one-touch button on a cross-sectional element associated with the multimedia capture mode is one second, the image is recorded to the database, and if the duration exceeds one second, the video recording may be stored to the database .

In an example embodiment, the system 200 may authenticate the identity of the user. Authentication may include one or more of the following: password authentication, voice authentication, and biometric authentication. Biometric authentication may include one or more of the following: fingerprint authentication, iris pattern authentication, heartbeat authentication, vein pattern recognition, and the like. Vein pattern recognition may be performed using scans of one or more of the following: palm vein pattern, wrist vein pattern, hand vein pattern, leg vein pattern, foot vein pattern, neck vein pattern, and head vein pattern. Fingerprint authentication may include scanning a fingerprint swiped from one or more of: mobile and wearable device screens, mobile and wearable device buttons, mobile and wearable device back panels, and the like.

In an example embodiment, the system 200 may receive data for a payment card associated with the user based on determining the type of payment transaction the user intends to perform. Payment card data can be received by scanning the payment card. The payment card can be scanned by the mobile and wearable device's camera by positioning the payment card near the mobile and wearable device's camera. The payment card may be associated with one or more of the following: the user's bank account, the user's virtual currency account, and the like. The user's bank account and the user's virtual currency account can be linked to mobile and wearable device numbers.

In an example embodiment, payment card data may be stored in a cloud network. In some embodiments, payment card data may be stored in the cloud network as a token.

In some implementations, the transaction request may include a unique code associated with the user. The unique code can encode at least the user's bank account information and payment amount. In other embodiments, the unique code may be displayed on mobile and wearable devices for merchants to scan.

In another example embodiment, the system 200 may receive product data based on scanning the product data by mobile and wearable devices associated with the user. Product data can be associated with one or more products. Upon receipt of the scan, the system 200 may calculate the total price for one or more products. Additionally, merchant data may be received. In some implementations, merchant data may be received by scanning a code associated with the merchant. The scan code associated with the merchant may include at least a quick response (QR) code associated with the merchant. QR codes associated with merchants can be stored on users' mobile and wearable devices. The QR code associated with the merchant can encode at least the merchant account number. In other embodiments, the transaction request may include at least the total price and merchant data.

The system 200 may determine that the total price of one or more products exceeds a predetermined price. Based on the determination, the system 200 can send a notification to the merchant.

In some implementations, the transaction request may include at least the user phone number. In this case, the payment sending transaction may include sending a payment from the user's phone account to the merchant account.

In other embodiments, payment receipt transactions and payment transmission transactions may be performed by pairing mobile and wearable devices with merchant devices using a reader. The reader can be connected to merchant devices and inserted into mobile and wearable devices.

In some embodiments, mobile applications associated with mobile and wearable devices and system 200 can be integrated into software development kits and operating systems for mobile and wearable devices. Operating systems can be selected from iOS, Android and WindowsPhone. When the user launches the mobile application, the user can be prompted to log in and asked to provide an authorization that the mobile application can initiate future payments on behalf of the user. Additionally, during further purchases, the mobile application may be launched by default without further action from the user (such as the user entering a login and password) to initiate launch of the mobile application. Mobile applications can be associated with performing payments and purchasing products or services in the Internet.

Thus, one-touch and one-scan payment and purchase features can improve the buying experience for both customers and merchants. In addition, for users who pay for and purchase products and services using mobile applications associated with one-touch and one-scan payments and purchases, the number of clicks and times that require the user to enter a user login (identification number) and password for future purchases can be enabled minimize.

In some implementations, when the user launches at least one mobile application, a list of payment cards may be provided for selection by the user. The payment card may be associated with one or more of the following: a bank account, a bank mobile account, a service provider account, a digital currency, a common national currency token interface, a national digital currency, an electronic payment card, and the like. Once selected, tokens can be sent to mobile and wearable devices. The token can be associated with the selected payment card and further payments can be performed using the token.

In other embodiments, the processor of system 200 may also be configured to download applications, receive and set text, video, and multimedia data.

FIG. 4 is a block diagram 400 illustrating a haptic control according to some embodiments. Haptic controls 414 may be displayed on display 410 of mobile and wearable device 412 . The haptic controls may include one or more mode selection elements. Mode selection elements may include messaging mode 402 , call mode 404 and payment mode 406 . User 408 may give a haptic command (eg, touch) to select the desired mode. If the user selects the payment mode 406, a transaction request may be generated.

The transaction request may be generated using data from the mobile application or page from which the payment mode is activated. For example, a user can activate a payment mode from the purchase page of an online store. Payment can be initiated immediately without requesting further details. Payment recipient and payment amount data may be received from the actual page or application, and the user's financial information may be stored in the messaging, calling, and one-touch and one-scan payment and purchase system 200 databases. User financial information may be provided by the user during registration for messaging, calling, one-touch and one-scan payment and purchase system 200 and may include one or more of the following: bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile money information, digital currency, etc. Online payments can be guaranteed with two-factor authorization. One of these factors may be the authorization initiated by the integrated interface, while another factor may include determining the location of the mobile and wearable devices associated with the user and comparing that location to the location where the payment was requested.

Alternatively, the transaction request may be generated using the data of the page associated with the billing. In this case, the system 200 may use the information extracted from the page and the user's financial information stored in the system 200 to generate the payment request.

Transactions can be based on Unstructured Supplementary Service Data (USSD) or Short Message Service (SMS), direct carrier billing, credit card mobile payments, online wallets, QR code payments, Contactless Near Field Communication (NFC), cloud-based Mobile payments, audio signal-based payments, Bluetooth Low Energy (BLE) beacon payments, in-app payments, SDK payments, API payments, social network payments, and direct carrier/bank partnerships are associated with transactional payments.

Contactless NFC can be used to receive data about payment requests. For example, when one-touch and one-scan payment modes are selected, users can pay for purchases in brick-and-mortar stores or for shipping services. Mobile and wearable devices can be equipped with smart cards. Payments are made when users wave mobile and wearable devices near the radar module. In some cases, payment may require authentication. NFC payments can be debited from a prepaid account or directly changed to a mobile or bank account. NFC payments can include displaying a barcode on the mobile device screen for mobile payments. Payment barcodes may include one or more of the following: linear barcodes, two-dimensional barcodes, three-dimensional barcodes, machine-readable codes, and the like.

The audio channel of the mobile phone may be another wireless interface for receiving data regarding transaction requests. Chips, ultrasound and acoustic features in mobile and wearable devices can support mobile payments. Near-Sound Data Transfer (NDST), data-over-voice, and NFC generate audio signatures that mobile phones can pick up to enable electronic transactions.

In some embodiments, payment receipt transactions and payment transmission transactions are performed using NFC. NFC can be used to pair mobile and wearable devices with merchant devices by bringing them near the merchant device. Mobile and wearable devices, as well as merchant devices, can connect to cloud networks. Financial data and authorization data associated with users can be stored in the cloud network. One-touch services can also integrate with electronic payment services, shopping search engines, and data-centric cloud computing services. More specifically, the one-touch service can be integrated with third-party online payment platforms for no fees, but interest on deposits and short-term cash deposits. One-touch service companies can also operate a global online payment system that supports online money transfers and serves as an electronic alternative to traditional paper methods such as checks and money orders. More specifically, a one-touch service company may operate as a payment processor for online vendors, auction sites, and other commercial users that it charges fees to. In an example embodiment, a Bluetooth connection may be established between the mobile and wearable devices and the merchant device when the mobile and wearable devices are paired with the merchant device. Payment receiving transactions and payment sending transactions may include at least peer-to-peer transactions.

In some embodiments, Beacon Mobile Payment sends a Bluetooth Low Energy (BLE) signal to anyone or any device with a mobile application to transfer payment data and obtain electronic receipts. When a customer checks in, their picture and name may appear on the retailer's point-of-sale system, and when sales associates at the store add up the bill on the cash register or card reader terminal, the beacon mobile payment user gives the associate to the employee. Verbal confirmation, the employee matches the customer to the picture on the POS screen and closes the transaction.

5 is a block diagram illustrating one-touch payment operations 500 using messaging, calling, and one-touch and one-scan scan payment systems, according to certain embodiments. The user selects a payment mode 504 using a one-touch button 502 (ie, a tactile control). User selections may be communicated to system 200 and the system may determine information on page 506 in the view on the display. System 200 can automatically provide the user's financial information on page 506 and automatically initiate payment.

FIG. 6 is a diagram illustrating various aspects of the messaging, calling and one-touch payment and purchase mobile platform shown as a messaging, calling and one-touch payment mobile service 600 using one-touch button 608 in accordance with certain embodiments. block diagram of the module. Messaging, calling and one-touch payment mobile service 600 may include, for example, a central processing unit (CPU) 604 associated with a remote server 602, a database 606 that stores a user's financial information, and a one-touch button 608 presented on the user's device . The CPU 604 may provide a one-touch button 608 on the display of the mobile and wearable devices. One-touch buttons 608 may overlap other visual elements on the display. The CPU 604 may receive a selection of a payment mode from the user through the mode selection element of the one-touch button 608 . The selection may include a single touch of the one-touch button 608 by the user. Once selected, the CPU 604 may extract context from the displays of the mobile and wearable devices to determine the type of payment transaction the user intends to perform. Based on the determination, CPU 604 may use the financial data extracted and stored in database 606 to send a transaction request to the financial institution without requesting financial information, authorization, or confirmation.

In some embodiments, the user may select one of the stored payment accounts to perform the payment. Authentication may occur when a user accesses the messaging, calling, and one-touch payment mobile service 600 . Authentication may include password authentication, voice authentication, biometric authentication, and the like.

Additionally, using the messaging, calling, and one-touch payment mobile service 600, users can create automatic payments. For example, a user may give an instruction to transfer 1$ to a particular account at 1:25 pm every weekday. Messaging, calling and one-touch payment mobile service 600 can receive instructions and automatically execute payments according to the instructions. After a predefined period of time, eg, after a month, or a week or a year, the messaging, calling and one-touch payment mobile service 600 may prompt the user to extend the automatic payment or cancel the payment.

Accordingly, various systems and methods have been described for messaging, calling, and one-touch and one-scan payments and purchases via mobile and wearable devices. Although embodiments have been described with reference to specific example embodiments, it will be evident that various modifications and changes may be made to these embodiments without departing from the broader spirit and scope of the systems and methods described herein. Accordingly, the specification and drawings are intended to be illustrative, not limiting, of the application.

Claims (30)

1. A method of messaging, calling, and one-touch and one-time scanning payments and purchases using mobile and wearable devices, the method comprising:

a processor of the mobile and wearable device receiving payment information associated with a user, the payment information associated with a mobile payment account of the user in messaging, calling, and one-touch and one-scan payment and purchase systems;

the processor generating a unique code encoding the payment information;

the processor providing the unique code to the user;

the processor providing haptic controls associated with the messaging, calling, and one-touch and one-scan payment and purchase systems, wherein the haptic controls are displayed on a display of the mobile and wearable device overlapping other visual elements, the haptic controls providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;

the processor receiving a selection of the payment mode from the user through a mode selection element of the haptic control;

upon selection, the processor extracts a context from a display of the mobile and wearable device, wherein the context comprises a web page, an application screen, or a message in a view on the display;

based on the context, the processor determining a type of payment transaction the user intends to perform, wherein the type of payment transaction includes a payment receipt transaction and a payment transmission transaction;

based on the determination, automatically sending a transaction request to the financial institution without requesting financial information, authorization, or confirmation;

if the transaction request is associated with the payment send transaction, the processor receiving a deposit amount associated with the payment send transaction in relation to the user;

the processor receiving a notification of a further payment send transaction for the user via a mobile payment service, the notification including at least a unique code and a payment amount for the further payment send transaction;

providing one of a compensation, a discount, a cash back and an award to the user from the deposit amount, the compensation, discount, cash back and award being associated with a payment amount associated with the further payment send transaction, wherein the one of the compensation, discount, cash back and award corresponds to a predetermined percentage of the payment amount.

2. The method of claim 1, wherein the haptic control is integrated with at least one mobile application associated with the mobile and wearable device;

the one-touch service is integrated with import and export services of international trade and trade guarantee ITTA service;

wherein the one-touch service uses only tags on a computer screen and one-touch payments to assist in clearance preparation and to assist in foreign exchange remittance;

the one-touch service is integrated with an online platform, and the online platform provides professional import and export business process outsourcing IEBPO service for the cross-border trading enterprise by using one-touch payment only, enables the business process to operate online and establishes a credit system for the trading enterprise.

3. The method of claim 1, wherein financial data and authorization data associated with the user are provided by the user during registration and stored in the messaging, calling, and one-touch and one-scan payment and purchase systems;

wherein the one-touch service is integrated with an electronic payment service, a shopping search engine, and a data-centric cloud computing service;

wherein the one-touch service is integrated with a third party online payment platform, does not charge a fee, but charges interest on deposits and short-time payment cash deposits;

among them, one touch service companies operate global online payment systems that support online money transfer and act as electronic substitutes for traditional paper methods such as checks and money orders;

wherein the one-touch service company operates as a payment processor for online providers, auction sites, and other commercial users, which charges the online providers, auction sites, and other commercial users.

4. The method of claim 1, wherein the determining a payment transaction type comprises parsing the context extracted from the display.

5. The method of claim 1, further comprising:

the processor receiving a selection of the messaging mode from the user through a mode selection element of the haptic control;

upon selection, the processor provides a messaging interface on a display of the mobile and wearable device;

the processor receiving a message and a selection of a recipient from the user through the messaging interface; and

the processor sends the message to the recipient over a data network.

6. The method of claim 1, further comprising:

the processor receiving a selection of the call mode from the user through a mode selection element of the haptic control;

upon selection, the processor provides a call interface on a display of the mobile and wearable device; and

the processor receiving a call recipient from the user through the call interface; and

the processor places a call with the call recipient over a data network.

7. The method of claim 6, wherein the call is performed over a voice over internet protocol (VoIP) service provided over Wi-Fi, a 3G network, a 4G network, a 5G network, a 6G network, or higher.

8. The method of claim 6, wherein the call is selected from the group consisting of: audio calls, video calls and holographic video calls.

9. The method of claim 1, wherein the financial information comprises one or more of: bank account information, credit card information, debit card information, gift card information, prepaid card information, insurance account information, merchant account information, mobile currency information, and digital money;

the one-touch service is used for combining different types of distributed service resources for cross-border trading partners and providing professional services, including clearance, logistics, trade insurance, financing service and freight agency service;

wherein the one-touch service is integrated with an e-commerce company that provides consumer-to-consumer, business-to-consumer, and business-to-business sales services through a web portal.

10. The method of claim 1, wherein the transaction request is associated with a virtual currency;

wherein the one-touch service provides third party on-line hosting of the TPOE service, wherein buyers can verify that they are satisfied with the goods they have purchased before paying the sellers;

wherein the one touch service company offers very little loan of minuscule credit (petty loan) to poverty-poor borrowers who typically lack collateral, stable employment, and verifiable credit history, wherein, by extension, are designed not only to support entrepreneur and relieve poverty, but in many cases to give women power and promote the entire community;

wherein the one-touch service is integrated with the third party online payment platform, wherein the third party online payment platform provides a hosting service in which consumers can verify whether they are satisfied with goods that they have purchased before paying sellers, wherein the most secure online transaction is provided in which funds are held in a trusted manner without a return or revocation.

11. A messaging, calling, one-touch and one-scan payment and purchase system, comprising:

a processor configured to:

providing a haptic control associated with a messaging, calling, and one-touch and one-scan payment and purchase system, wherein the haptic control is displayed on a display of the mobile and wearable device overlapping other visual elements, the haptic control providing a mode selection element associated with a payment mode, a messaging mode, and a calling mode;

receiving a selection of the payment mode from a user through a mode selection element of the haptic control;

upon selection, extracting a context from a display of the mobile and wearable device, wherein the context comprises a web page, an application screen, or a message in a view on the display;

determining a type of payment transaction that the user intends to perform based on the context, wherein the type of payment transaction comprises a payment receipt transaction and a payment sending transaction; and

based on the determination, automatically sending a transaction request to a financial institution using an extraction without requesting financial information, authorization, or confirmation, wherein the transaction request includes a unique code associated with the user and displayed on the mobile and wearable device that encodes at least bank account information, a total price, merchant data, and a user phone number; and

a database in communication with the processor, the database configured to store at least the financial information.

12. The system of claim 11, wherein the haptic control is integrated with at least one mobile application associated with the mobile and wearable device;

wherein the at least one mobile application is integrated into a software development kit and an operating system of the mobile and wearable device, wherein the operating system is selected from the group consisting of: iOS, Android and Windows Phone,

wherein, upon the user launching the at least one mobile application, prompting the user to log in and requesting the user to provide a commitment that the at least one mobile application initiate future payments on behalf of the user,

wherein during further purchase the at least one mobile application is launched by default without further action by the user to initiate launching of the at least one mobile application, the further action comprising entry of a login name and password by the user,

wherein the at least one mobile application is associated with performing payment and purchasing a product or service in the Internet,

wherein the one-touch service is integrated with import and export services of international trade and trade guarantee ITTA service;

wherein the one-touch service uses only tags on a computer screen and one-touch payments to assist in clearance preparation and to assist in foreign exchange remittance;

the one-touch service is integrated with an online platform, and the online platform provides professional import and export business process outsourcing IEBPO service for the cross-border trading enterprise by using one-touch payment only, enables the business process to operate online and establishes a credit system for the trading enterprise.

13. The system of claim 12, wherein, upon the user launching the at least one mobile application, a list of payment cards is provided for selection by the user, the payment cards being associated with one or more of: bank accounts, bank mobile accounts, service provider accounts, digital currency, universal country currency token interface, country digital currency, and electronic payment cards;

wherein upon selection, a token is sent to the mobile and wearable device, the token being associated with the selected payment card, wherein further payment is performed using the token.

14. The system of claim 11, wherein the processor is further configured to download applications, receive and set text, video and multimedia data.

15. The system of claim 11, wherein the processor is further configured to: authenticating an identity of the user, the authentication including one or more of: password authentication, voice authentication, and biometric authentication, wherein the biometric authentication includes one or more of: fingerprint authentication, iris pattern authentication, heartbeat authentication and vein pattern recognition; wherein the vein pattern recognition is performed using a scan of one or more of: a palm vein pattern, a wrist vein pattern, a hand vein pattern, a leg vein pattern, a foot vein pattern, a neck vein pattern, and a head vein pattern; wherein the fingerprint authentication comprises scanning a fingerprint swiped from one or more of: a screen of the mobile and wearable device, a button of the mobile and wearable device, and a rear panel of the mobile and wearable device.

16. The system of claim 11, wherein the processor is further configured to:

receiving a selection of the call mode from the user through a mode selection element of the haptic control;

upon selection, providing a call interface on a display of the mobile and wearable device; and

receiving a call recipient from the user through the call interface; and

a call is made with the call recipient over a data network.

17. The system of claim 11, wherein the payment receipt transaction and the payment transmission transaction are performed using Near Field Communication (NFC), wherein the NFC is to pair a mobile and wearable device with a merchant device by bringing the mobile and wearable device into proximity of the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein financial data and authorization data associated with the user are stored in the cloud network, wherein a Bluetooth connection is established between the mobile and wearable device and the merchant device when the mobile and wearable device is paired with the merchant device, wherein the payment receipt transaction and the payment transmission transaction comprise at least a point-to-point transaction.

18. The system of claim 11, wherein the processor is further operable to receive data of a payment card associated with the user based on determining the payment transaction type the user intends to perform, wherein the data of the payment card is received by scanning the payment card, the payment card being scanned by a camera of the mobile and wearable device by positioning the payment card in proximity to the camera of the mobile and wearable device, wherein the payment card is associated with one or more of: a bank account of the user and a virtual currency account of the user, wherein the bank account of the user and the virtual currency account of the user are linked to mobile and wearable device numbers.

19. The system of claim 18, wherein the processor is further operable to store data of the payment card into a cloud network, wherein the data of the payment card is stored as a token in the cloud network.

20. The system of claim 11, wherein the processor is further operable to receive the product data based on scanning product data by the mobile and wearable device associated with the user, the product data associated with one or more products;

calculating a total price for the one or more products; and

receiving merchant data, wherein the merchant data is received by scanning a code associated with a merchant, wherein the scanned code associated with the merchant includes at least a Quick Response (QR) code associated with the merchant, wherein the QR code associated with the merchant is stored in the mobile and wearable device of the user, wherein the QR code associated with the merchant encodes at least a merchant account number.

21. The system of claim 20, wherein the processor is further operable to:

determining that a total price of the one or more products exceeds a predetermined price; and

based on the determination, sending a notification to the merchant, wherein the payment send transaction comprises sending a payment from the user's phone account to a merchant account.

22. The system of claim 11, wherein the payment receipt transaction and the payment transmission transaction are performed by pairing the mobile and wearable device with a merchant device with a reader, the reader connected to the merchant device and inserted into the mobile and wearable device.

23. A messaging, calling, and one-touch and one-time scanning payment and purchase mobile platform using a one-touch button, comprising:

a processor configured to:

providing a one-touch button associated with a messaging, calling, and one-touch payment and purchase mobile platform, wherein the one-touch button is displayed on a display of a mobile and wearable device, the one-touch button overlapping other visual elements, and wherein the one-touch button includes a mode selection element associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode;

receiving a selection of the payment mode from a user through a mode selection element of the one-touch button, wherein the selection includes a single touch by the user of a cross-sectional element of the one-touch button associated with the payment mode;

upon selection, extracting a context from a display of the mobile and wearable device, wherein the context comprises a web page, an application screen, or a message in a view on the display, and wherein extracting comprises one or more of: a payment recipient, a payer account, a sender account, and a payment amount;

determining a type of payment transaction that the user intends to perform based on the context, wherein the type of payment transaction comprises a payment receipt transaction and a payment sending transaction; and

based on the determination, automatically sending a transaction request to a financial institution using the extraction without requesting financial information, authorization, or confirmation; and

a database in communication with the processor, the database configured to store at least the financial information.

24. The platform of claim 23, wherein the one-touch button is integrated with at least one mobile application associated with the mobile and wearable device, a point-of-sale device, a monetary token service, and an electronic payment card.

25. The platform of claim 23, wherein the processor is further configured to:

receiving a selection of the messaging mode from the user through a mode selection element of a one-touch button;

upon selection, providing a messaging interface on a display of the mobile and wearable device;

receiving a message and a selection of a recipient from the user through the messaging interface; and

sending the message to the recipient over a data network.

26. The platform of claim 23, wherein the processor is further configured to:

receiving a selection of the call mode from the user through a mode selection element of the one-touch button;

upon selection, providing a call interface on a display of the mobile and wearable device; and receiving a call recipient from the user through the call interface; and

a call is made with the call recipient over a data network.

27. The platform of claim 23, wherein the processor is further configured to:

receiving a selection of the multimedia capture mode;

upon selection, enabling one or more sensors to capture multimedia to obtain captured multimedia;

analyzing a single touch by the user of a cross-sectional element of the one-touch button associated with the multimedia capture mode to determine a duration of the single touch;

determining a type of the multimedia to record based on the analysis, wherein the type of multimedia includes image and video recordings; and

recording the captured multimedia to the database.

28. The platform of claim 23, wherein the at least one mobile application is integrated into a software development kit and an operating system of the mobile and wearable device, wherein the operating system is selected from the group consisting of: iOS, Android and Windows Phone,

wherein, upon the user launching the at least one mobile application, prompting the user to log in and requesting the user to provide a commitment that the at least one mobile application initiate future payments on behalf of the user,

wherein during further purchase the at least one mobile application is launched by default without further action from the user to initiate launching of the at least one mobile application, the further action comprising the user entering a login name and password,

wherein the at least one mobile application is associated with performing payment and purchasing a product or service in the Internet.

29. The platform of claim 28, wherein, upon the user launching the at least one mobile application, a list of payment cards is provided for selection by the user, the payment cards being associated with one or more of: bank accounts, bank mobile accounts, service provider accounts, digital currency, universal country currency token interface, country digital currency, and electronic payment cards; wherein upon selection, a token is sent to the mobile and wearable device, the token being associated with the selected payment card, wherein further payment is performed using the token.

30. The platform of claim 23, wherein a payment receipt transaction and a payment transmission transaction are performed using Near Field Communication (NFC), wherein the NFC is to pair a mobile and wearable device with a merchant device by bringing the mobile and wearable device into proximity of the merchant device, wherein the mobile and wearable device and the merchant device are connected to a cloud network, wherein financial data and authorization data associated with the user are stored in the cloud network, wherein a Bluetooth connection is established between the mobile and wearable device and the merchant device when the mobile and wearable device is paired with the merchant device, wherein the payment receipt transaction and the payment transmission transaction comprise at least a peer-to-peer transaction.

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