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WO2017208110A1 - Paiement et achat d'un geste, d'un clin d'œil et d'un contact tactile à l'aide d'une commande haptique via un système multimédia de messagerie et d'appel sur un dispositif mobile et portatif, interface de jeton de devise, dispositif de point de vente et carte de paiement électronique - Google Patents

Paiement et achat d'un geste, d'un clin d'œil et d'un contact tactile à l'aide d'une commande haptique via un système multimédia de messagerie et d'appel sur un dispositif mobile et portatif, interface de jeton de devise, dispositif de point de vente et carte de paiement électronique Download PDF

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Publication number
WO2017208110A1
WO2017208110A1 PCT/IB2017/053023 IB2017053023W WO2017208110A1 WO 2017208110 A1 WO2017208110 A1 WO 2017208110A1 IB 2017053023 W IB2017053023 W IB 2017053023W WO 2017208110 A1 WO2017208110 A1 WO 2017208110A1
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WO
WIPO (PCT)
Prior art keywords
payment
user
mobile
mode
wearable device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/IB2017/053023
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English (en)
Inventor
Zhou DYLAN
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US15/169,022 external-priority patent/US9576285B2/en
Application filed by Individual filed Critical Individual
Publication of WO2017208110A1 publication Critical patent/WO2017208110A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • This application relates generally to data processing, and more specifically to methods and systems for one-touch and one gesture buying and paying performed via a mobile and wearable device.
  • Mobile payments generally refer to payment operations performed via a mobile or wearable device.
  • the operations performed via mobile and wearable devices may include electronic commerce transactions, retail purchasing, micropayments, and other daily payments.
  • Mobile payments may utilize credit cards, debit cards, gift cards, and virtual currencies. While mobile payments facilitate and stimulate the trade, the procedure of providing financial details and authenticating of identity may be tedious and time-consuming. Therefore, the convenience of mobile payments for daily micropayments is hindered.
  • the one or more aspects comprise the features hereinafter fully described and particularly pointed out in the claims.
  • the following description and the drawings set forth in detail certain illustrative features of the one or more aspects. 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.
  • a secure NFC contactless payment chip which is activated whe brought close to a contactless reader— at retailers, in taxis or on public transport.
  • the card reader treats one gesture in exactly the same way it would a contactless payment card, reading the encrypted data on the chip and authorizing the transaction. Funds are withdrawn from your device prepaid account and transaction details are logged, always keeping you on top of your balance via the device app or the secure website.
  • POS point-of-sales
  • BLE Bluetooth Low Energy
  • a user may perform facilitated electronic payments from any location.
  • the user may register with the messaging, calling, and one-touch and one gesture and one blink payment and buying system.
  • the 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 currency information, digital money account, SDK payment information, in-app payment information, social networking payment information, prepaid card information, API payment information, mobile account payment information, mobile currency information, and so forth.
  • the user may activate a haptic control associated with a messaging, calling, and one-touch and one gesture and one blink payment and buying system.
  • the haptic control may be displayed over the video output of the device and overlap other applications or pages.
  • the haptic control may provide for mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode.
  • the messaging, calling, and one-touch and one gesture and one blink payment and buying system may receive the selection of the payment mode via the mode selection elements of the haptic control from a user.
  • context may be extracted from the display of the mobile and wearable device.
  • a payment transaction type which the user intends to perform may be determined.
  • the payment transactio type may include a payment receiving transaction and a payment sending transaction.
  • a transaction request may be generated using data of the extractio and the financial information of the user provided during the registration.
  • FIG. 1 is a block diagram showing an environment within which a system for messaging, calling, and one-touch and one gesture and one blink payment and buying system and a method of using thereof can be implemented, in accordance with an example embodiment.
  • FIG. 2 is a block diagram showing various modules of the messaging, calling, and one-touch and one gesture and one blink payment and buying system, in accordance with certain embodiments.
  • FIG. 3 is a flow chart illustrating a method for messaging, calling, and one- touch and one gesture and one blink payments and buying via a mobile and wearable device, in accordance with certain embodiments.
  • FIG. 4 is a block diagram illustrating a haptic control, in accordance with certain embodiments.
  • FIG. 5 is a block diagram illustrating a one-touch and one gesture and one blink payment and buying operation using the messaging, calling, and one-touch and one gesture and one blink payment and buying system, in accordance with certain embodiments.
  • FIG. 6 is a block diagram showing various modules of a messaging, calling, and one-touch and one gesture and one blink payment and buying mobile service using a one-touch button, in accordance with certai embodiments.
  • Various computer implemented methods and systems for messaging, calling, and one-touch and one gesture and one blink payments and buying via a mobile and wearable device are described herein.
  • the described system enables a user to make and request payments using a mobile device by one touch.
  • the user initiates the system.
  • a one-touch button is shown on a display of the mobile device on top of other applications and/or widgets.
  • the one-touch button has at least three controls to activate messaging, calling, or one-touch and one gesture and one blink payment.
  • One-touch payment control when activated, determines whether the user intends to make a payment or to request a payment by the context in view on the display and performs the corresponding operation. Such accelerated payment procedure may facilitate electronic purchases and stimulate electronic trade.
  • FIG. 1 illustrates an environment 100 within which messaging, calling, and one-touch and one gesture and one blink payment and buying system and a method of using thereof can be implemented.
  • the environment 100 may include a user 120, a client device 130, network 110, a messaging, calling, and one-touch and one gesture and one blink payment and buying system 200.
  • the messaging, calling, and one-touch and one gesture and one blink payment and buying system 200 may provide a haptic control on a display of the client device 130.
  • the haptic control may include, for example, a one- touch button.
  • the user 120 may exchange messages
  • the messages 160, calls 170, and one-touch and one gesture and one blink payments 180 are transmitted to the system 200 and further to the recipient 140 or payee (not shown) via the network 110 using the client device 130.
  • the network 110 may include the Internet or any other network capable of communicating data between devices. Suitable networks may include or interface with any one or more of, for instance, a local intranet a PAN (Personal Area Network), a LAN (Local Area Network), a WAN (Wide Area Network), a MAN (Metropolitan Area Network), a virtual private network (VPN), a storage area network (SAN), a frame relay connection, an Advanced Intelligent Network (AIN) connection, a synchronous optical network (SONET) connection, a digital Tl, T3, El or E3 line, Digital Data Service (DDS) connection, DSL (Digital Subscriber Line) connection, an Ethernet connection, an ISDN (Integrated Services Digital Network) line, a dial-up port such as a V.90, V.34 or V.34bis analog modem connection, a cable modem, an ATM (Asynchronous Transfer Mode) connection, or an FDDI (Fiber Distributed Data Interface) or CDDI (Copper Distributed Data Interface) connection.
  • PAN Personal Area Network
  • 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 Communication), CDMA (Code Division Multiple Access) or f DM A (Time Division Multiple Access), cellular phone networks, GPS (Global Positioning System), CDPD (cellular digital packet data), RIM (Research in Motion, Limited) duplex paging network, Bluetooth radio, or an IEEE 802.11 -based radio frequency network.
  • WAP Wireless Application Protocol
  • GPRS General Packet Radio Service
  • GSM Global System for Mobile Communication
  • CDMA Code Division Multiple Access
  • f DM A Time Division Multiple Access
  • cellular phone networks GPS (Global Positioning System)
  • CDPD cellular digital packet data
  • RIM Research in Motion, Limited
  • Bluetooth radio or an IEEE 802.11 -based radio frequency network.
  • the network 110 can further include or interface with any one or more of an RS-232 serial connection, an IEEE- 1394 (Firewire) connection, a Fiber Channel connection, an IrDA (infrared) port, a SCSI (Small Computer Systems Interface) connection, a Universal Serial Bus (USB) connection or other wired or wireless, digital or analog interface or connection, mesh or Digi ⁇ networking.
  • an RS-232 serial connection an IEEE- 1394 (Firewire) connection, a Fiber Channel connection, an IrDA (infrared) port, a SCSI (Small Computer Systems Interface) connection, a Universal Serial Bus (USB) connection or other wired or wireless, digital or analog interface or connection, mesh or Digi ⁇ networking.
  • FIG. 2 is a block diagram showing various modules of the messaging, calling, and one-touch and one gesture and one blink payment and buying syste 200, in accordance with certain embodiments.
  • the system 200 may comprise a processor 202 a database 204, and a haptic control 206.
  • the processor 202 may include a programmable processor, such as a microcontroller, central processing unit (CPU), and so forth.
  • the processor 202 may include an application-specific integrated circuit (ASIC) or programmable logic array (PLA), such as a field programmable gate array (FPGA), designed to implement the functions performed by the system 200.
  • ASIC application-specific integrated circuit
  • PLA programmable logic array
  • FPGA field programmable gate array
  • the processor 202 may provide a haptic control associated with a messaging, calling, and one-touch and one gesture and one blink payment and buying system.
  • the haptic control may be represented, for example, by a one-touch button shown on a display of a mobile and wearable device.
  • the haptic control may overlap other visual elements on the display so that the haptic control w r as always visible for the user and not hidden by other screens.
  • the haptic control 206 may be integrated with a mobile application associated with the mobile and wearable device and/or the system 200.
  • the haptic control may provide mode selection elements associated with a payment mode, a messaging mode, a calling mode, and multimedia capture mode.
  • the processor 202 may further receive the selection of the payment mode via the mode selection element of the haptic control 206 from a user.
  • the processor may extract context from the display of the mobile and wearable device.
  • the context may include information on a web page, an application screen, or a message in view on the display.
  • the context may include a check-out page of an online shop.
  • the processor 202 may determine a payment transaction type (i.e. a payment receiving transaction or a payment sending transaction) which the user intends to perform.
  • the processor 202 may parse the context and identify key words associated with a specific payment transaction type.
  • the payment sending transaction may be associated with the following key words: 'check-out 'cart,' and so forth.
  • a transaction request may be sent to a financial institution using the information extracted from the context and financial information of the user stored in the database 204.
  • the transaction request may be sent without requesting financial information, authorizing, or confirmations from the user. However, in some embodiments, the user, with the help of options of the system 200.
  • the user may select a messaging mode via the mode selection elements of the haptic control 206. Then, the processor may provide a messaging interface on the display of the mobile and wearable device. When a message and a choice of a recipient is received from the user via the messaging interface, the processor 202.
  • the processor 202 may provide a calling interface on the display of the mobile and wearable device.
  • the processor 202 may initiate one or more sensors to capture multimedia to obtain captured multimedia.
  • the processor 202 may analyze a duration of the single touch to the section element of the one-touch button associated with the multimedia capture mode.
  • FIG. 3 is a flow chart illustrating a method 300 for messaging, calling, and one-touch and one gesture and one blink payments and buying via a mobile and wearable device, in accordance with some example embodiments.
  • the method 300 may be performed by logic that may comprise hardware (e.g., dedicated logic, programmable logic, and microcode), software (such as software run on a general-purpose computer system or a dedicated machine), or a combinatio of both.
  • the processing logic resides at the system 200 for providing compensation for using a mobile payment service, and the various elements of the system 200 can perform the method 300.
  • the method 300 may commence at operation 302 with receiving payment information associated with a user.
  • the payment information may be also associated with a mobile payment account of the user in a messaging, calling, and one-touch and one gesture and one blink payment and buying system.
  • a unique code encoding the payment information is generated. The unique code is provided to the user at operation 306.
  • a selection of the payment mode via the mode selection elements of the haptic control is received from the user.
  • context is extracted from the display at operatio 312.
  • a payment transaction type to be performed may be determined at operatio 314.
  • a transaction request associated with the determined payment transaction type may be sent at operation 316.
  • a deposit amount associated with the payment sending transactio related to the user may be received at operation 318.
  • a calling interface may be provided to the user.
  • the user may select a call recipient in his contacts and make a call request.
  • the system 200 may receive the call request from the user.
  • one or more sensors may be initiated to capture multimedia to obtain captured multimedia.
  • a duration of the single touch to the section element of the one-touch button associated with the multimedia capture mode may be analyzed. Based on the analysis, a type of the captured multimedia may be determined: an image and a video recording.
  • the captured multimedia may be recorded to the database according to the type determined based on the duration. For instance, if the duration of the single touch to the section element of the one-touch button associated with the multimedia capture mode is one second, an image is recorded to the database, if the duration is more than one second, a video recording may be stored to the database.
  • the data of the payment card may be stored into a cloud network.
  • the data of the payment card may be stored in the cloud network as a token, a processor; and memory storing instructions that, when executed by the processor, the sensing and haptic control is integrated with at least one mobile application associated with the mobile and wearable device, augmented reality device and virtual reality device capturing a gesture or a blink using a camera of the AR and VR computing device;
  • the transaction request may include a unique code associated with the user.
  • the unique code may encode at least bank account information of the user and a payment amount.
  • the unique code may be displayed on the mobile and wearable device for scanning by the merchant.
  • the system 200 may receive product data based on scanning of the product data by the mobile and wearable device associated with the user.
  • the product data may be associated with one or more products.
  • the syste 200 may determine that the total price for the one or more products exceeds a predetermined price.
  • the transaction request may include at least a user phone number.
  • the payment sending transaction may include sending a payment from a phone account of the user to a merchant account.
  • the payment receiving transaction and the payment sending transaction may be performed by pairing of the mobile and wearable device and a merchant device using a reader.
  • the reader may be connected to the merchant device and plugged into the mobile and wearable device, wherein the payment transaction performed by the processor is associated with a NFC, the payment transaction being performed for purchases online and offline, wherei a payment associated with the payment transaction is transferred from a pre-paid account of the user or charged to a mobile account of the user or a bank account of the user; wherein the payment includes at least a one-touch and one gesture and one blink payment for street parking in demarcated areas, the payment being performed using a license plate, transponder tags, barcode stickers, and reading the code from the display; wherein a merchant uses a combination of the NFC and the code on the display for performing the one- touch and one gesture and one blink payment; wherein the NFC is used to establish radio communication with the external device by touching the housing and the external device or bringing the housing and the external device into proximity, the proximity includes
  • one-touch and one gesture and one blink payment and buying features may improve buying experience for customers and merchant. Additionally, for the user that pays and buys products and services using the mobile application associated with one-touch and one gesture and one blink payment and buying, the number of taps and times the user is required to enter a user login (identification number) and a password for future purchases may be minimized.
  • a list of payment cards may be provided for selectio by the user.
  • the payment cards 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 universal national currency toke interface, a national digital currency, an electric payment card, and the like.
  • a token may be sent to the mobile and wearable device. The token may be associated with a selected payment card, and further payments may be performed using the token.
  • FIG. 4 is a block diagram, 400 illustrating a haptic control, in accordance with certain embodiments.
  • the haptic control 414 may be shown on the display 410 of the mobile and wearable device 412.
  • the haptic control may include one or more mode selection elements.
  • the mode selection elements may include a messaging mode 402, a calling mode 404, and a payment mode 406.
  • a user 408 may give a haptic command (e.g. touch) to select a desired mode.
  • the transaction request may be generated using data of a mobile application or a page from which the payment mode is activated.
  • the user may activate the payment mode from a purchase page of an online store.
  • the payment may be immediately initiated without requesting further details.
  • Data of a payment recipient and a payment amount may be received from the actual page or application and financial information of the user may be stored in the database of the messaging, calling, and one-touch and one gesture and one blink payment and buying system 200.
  • the user financial information may be provided by the user during registration with the messaging, calling, and one-touch and one gesture and one blink payment and buying system 200.
  • the transaction request may be generated using data of a page associated with billing
  • the system 200 may generate a payment request using information extracted from the page as well as the financial informatio of the user stored in the system 200.
  • Transactions can be associated with transactional payments based on Unstructured Supplementary Service Data (USSD) or Short Message Service (SMS), direct operator billing, credit card mobile payments, online wallets, QR code payments, contactless near field communication (NFC), cloud-based mobile payments, audio signal-based payment, Bluetooth Low Energy (BLE) signal beacon payment, in-application payment, SDK payment, API payment, social networking payment, and direct carrier/bank co-operation.
  • USSD Unstructured Supplementary Service Data
  • SMS Short Message Service
  • direct operator billing based on credit card mobile payments, online wallets, QR code payments, contactless near field communication (NFC), cloud-based mobile payments, audio signal-based payment, Bluetooth Low Energy (BLE) signal beacon payment, in-application payment, SDK payment, API payment, social networking payment, and direct carrier/bank co-operation.
  • USB Unstructured Supplementary Service Data
  • SMS Short Message Service
  • Contactless NFC may be used to receive data for the payment request.
  • the user may make a payment for purchases in physical stores or transportation services.
  • the mobile and wearable device may be equipped with a smart card.
  • a user waves the mobile and wearable device near a radar module, a payment is made.
  • the payment may require authentication.
  • the NFC payment could be deducted from a pre-paid account or changed to a mobile or band account directly.
  • NFC payment may include displaying a barcode on the mobile device screen for mobile payment.
  • the payment barcode can include one or more of the following: a linear barcode, a two-dimensional barcode, a three- dimensional barcode, a machine readable code, and so forth.
  • the audio channel of the mobile phone may be another wireless interface that is used to receive data for a transaction request.
  • Chip, ultra sound and acoustic features of the mobile and wearable device may support mobile payments.
  • Near sound data transfer (NDST), data over voice and NFC produce audio signatures that the mobile phone can pick up to enable electronic transactions.
  • the payment receiving transaction and the payment sending transaction are performed using a NFC.
  • the NFC may be used to pair the mobile and wearable device and a merchant device by bringing the mobile and wearable device into proximity to the merchant device.
  • the mobile and wearable device and the merchant device may be connected to a cloud network.
  • the financial data and authorizing data associated with the user may be stored in the cloud network.
  • a Bluetooth connection between the mobile and w r earable device and the merchant device may be established upon pairing the mobile and wearable device with the merchant device.
  • the payment receiving transaction and the payment sending transaction may include at least a pear-to-pear transaction.
  • a beacon mobile payment sends out a
  • Bluetooth Low Energy (BLE) signal to anyone or any device with mobile application to transfer payment data and get electronic receipt.
  • BLE Bluetooth Low Energy
  • FIG. 5 is a block diagram, illustrating a one-touch payment operation 500 using the messaging, calling, and one-touch and one gesture and one blink payment system, in accordance with certain embodiments.
  • the user selects a payment mode 504 using a one-touch button 502 (i.e. haptic control).
  • the user selection may be transmitted to the system 200, and the system may determine information on a page 506 i view on the display.
  • the system 200 may automatically provide financial information of the user on the page 506.
  • FIG. 6 is a block diagram showing various modules of a messaging, calling, and one-touch payment and buying mobile platform shown as a messaging, calling, and one-touch payment mobile service 600 using a one-touch button 608, in accordance with certain embodiments.
  • the messaging, calling, and one-touch payment mobile service 600 may include a central processing unit (CPU) 604, for example, associated with a remote server 602, a database 606 storing financial information of a user, and a one- touch button 608 presented on a device of the user.
  • the CPU 604 may provide the one-touch button 608 on a display of a mobile and w r earable device.
  • the one-touch button 608 may overlap other visual elements on the display.
  • the CPU 604 may receive a selection of the payment mode via the mode selection elements of the one-touch button 608 from a user.
  • the selection may include a single touch of the user to the one-touch button 608.
  • the CPU 604 may extract context from the display of the mobile and wearable device to determine a payment transaction type which the user intends to perform. Based on the determining, the CPU 604 may send a transaction request to a financial institutio using the extraction and financial data stored in the database 606.
  • the user may select one of the stored payment accounts to perform a payment. Authentication may be made when the user accesses the messaging, calling, and one-touch payment mobile service 600
  • the user may create automatic payments. For example, the user may give instructions to transfer $1 to a specific account every week day at 1:25 PM.
  • the messaging, calling, and one-touch payment mobile service 600 may receive the instructions and automatically perfor the payment according to the instructions. After a predefined period, for example, after one month, or every week, or every year, the messaging, calling, and one-touch payment mobile service 600.

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Computer Networks & Wireless Communication (AREA)
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  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne des procédés et des systèmes de messagerie, d'appel, et de paiements et d'achats par un clin d'œil, un contact tactile et un geste via des dispositifs mobiles et portatifs. Un système donné à titre d'exemple comprend une base de données en communication avec un processeur, le processeur étant configuré pour fournir une commande haptique associée au système. La commande haptique est représentée sur un dispositif d'affichage d'un dispositif mobile et portatif se chevauchant avec d'autres éléments visuels. La commande haptique fournit des éléments de sélection de mode associés à des modes de paiement, de messagerie et d'appel. Le processeur reçoit une sélection du mode de paiement, par l'intermédiaire des éléments de sélection de mode, à partir d'un utilisateur. Lors de la sélection, un contexte est extrait à partir du dispositif d'affichage. Sur la base du contexte, un type de transaction de paiement que l'utilisateur a l'intention de réaliser est déterminé. Le type de transaction de paiement comprend une transaction de réception de paiement et une transaction d'envoi de paiement. Sur la base de la détermination, une requête de transaction est envoyée à une institution financière à l'aide de l'extraction.
PCT/IB2017/053023 2016-05-31 2017-05-23 Paiement et achat d'un geste, d'un clin d'œil et d'un contact tactile à l'aide d'une commande haptique via un système multimédia de messagerie et d'appel sur un dispositif mobile et portatif, interface de jeton de devise, dispositif de point de vente et carte de paiement électronique Ceased WO2017208110A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US15/169,022 US9576285B2 (en) 2002-10-01 2016-05-31 One gesture, one blink, and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device, currency token interface, point of sale device, and electronic payment card
US15/169,022 2016-05-31

Publications (1)

Publication Number Publication Date
WO2017208110A1 true WO2017208110A1 (fr) 2017-12-07

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