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WO2018142248A1 - Paiement et achat par balayage unique et toucher unique utilisant une commande haptique via un système multimédia de messagerie et d'appels sur dispositif mobile et vestimentaire, interface de jeton monétaire, dispositif de point de vente, et carte de paiement électronique - Google Patents

Paiement et achat par balayage unique et toucher unique utilisant une commande haptique via un système multimédia de messagerie et d'appels sur dispositif mobile et vestimentaire, interface de jeton monétaire, dispositif de point de vente, et carte de paiement électronique Download PDF

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Publication number
WO2018142248A1
WO2018142248A1 PCT/IB2018/050468 IB2018050468W WO2018142248A1 WO 2018142248 A1 WO2018142248 A1 WO 2018142248A1 IB 2018050468 W IB2018050468 W IB 2018050468W WO 2018142248 A1 WO2018142248 A1 WO 2018142248A1
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WO
WIPO (PCT)
Prior art keywords
payment
mobile
user
wearable device
touch
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/IB2018/050468
Other languages
English (en)
Inventor
ZHOU, (Tiger) Tian Ge
ZHOU, (Andrew) Hai Bin
Tian Xing ZHOU
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 US15/420,337 external-priority patent/US9665865B1/en
Application filed by Individual filed Critical Individual
Priority to CN201880008926.1A priority Critical patent/CN111406269A/zh
Publication of WO2018142248A1 publication Critical patent/WO2018142248A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from 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
    • G06Q20/30—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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/30—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
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by 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
    • G06Q20/327—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
    • 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
    • G06Q20/40145—Biometric identity checks

Definitions

  • This application relates generally to data processing, and more specifically to methods and systems for one-touch and one-scan 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.
  • a user may perform facilitated electronic payments from any location.
  • the user may register with the messaging, calling, and one- touch and one-scan 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
  • the user may activate a haptic control associated with a messaging, calling, and one-touch and one-scan 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-scan 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 transaction type may include a payment receiving transaction and a payment sending transaction.
  • a transaction request may be generated using data of the extraction and the financial information of the user provided during the registration.
  • 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.
  • FIG. 1 is a block diagram showing an environment within which a system for messaging, calling, and one-touch and one-scan 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-scan 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-scan 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-scan payment and buying operation using the messaging, calling, and one-touch and one-scan 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-scan payment and buying mobile service using a one-touch button, in accordance with certain embodiments.
  • Various computer implemented methods and systems for messaging, calling, and one-touch and one-scan 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-scan 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
  • Such accelerated payment procedure may facilitate electronic purchases and stimulate electronic trade.
  • FIG. 1 illustrates an
  • the environment 100 may include a user 120, a client device 130, network 110, a messaging, calling, and one-touch and one-scan payment and buying system 200.
  • the messaging, calling, and one-touch and one-scan 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 client device 130 may include a smart phone, a tablet PC, a lap top, an augmented reality glasses, a smart watch, and so forth.
  • the user 120 may exchange messages
  • the messages 160, calls 170, and one-touch and one-scan 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 PAN (Personal Area Network), a LAN (Local Area Network), a PAN (Personal Area Network), a LAN (Local Area Network), a PAN (Personal Area Network), a LAN (Local Area Network).
  • PAN Personal Area Network
  • LAN Local 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 (WAP), WAP (Wireless Application Protocol), GPRS (General Packet Radio Service), GSM (Global System for Mobile Communication), CDMA (Code Division Multiple Access (WAP), WAP (Wireless Application Protocol), GPRS (General Packet Radio Service), GSM (Global System for Mobile Communication), CDMA (Code Division Multiple Access
  • WAP Wireless Application Protocol
  • GPRS General Packet Radio Service
  • GSM Global System for Mobile Communication
  • CDMA Code Division Multiple Access
  • 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®
  • the network 110 may include any suitable number and type of devices (e.g., routers and switches) for forwarding commands, content, and/or web object requests from each client to the online community application and responses back to the clients.
  • devices e.g., routers and switches
  • FIG. 2 is a block diagram showing various modules of the messaging, calling, and one-touch and one-scan payment and buying system 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
  • 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-scan 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 was 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.
  • One touch service may be integrated with import and export service for international trade and trade assurance (ITTA) services.
  • ITTA international trade and trade assurance
  • the one touch service may further help with customs clearance preparation and assist in foreign exchange collections with just a tag and one touch payment on a computer screen.
  • the one touch service may be integrated into an online platform providing professional import and export business process outsourcing (IEBPO) services to cross border trade enterprises, and bring business process operations online and set up credit system for the trade enterprises with only one touch payment.
  • 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 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 currency information, and digital money.
  • the one touch service may consolidate scattered service resources of different sorts for cross border trade partners and provide professional services including customs clearance, logistics, trade insurance, financing services and freight forwarding services.
  • the one touch service may be integrated with e-commerce company providing consumer-to-consumer, business-to-consumer and business-to-business sales services via web portals.
  • the transaction request may be associated with a virtual currency.
  • the one touch service may provide a third-party online escrow (TPOE) service, in which buyers can verify whether they are happy with goods they have bought before releasing payment to the seller.
  • TPOE third-party online escrow
  • the one touch service company may provide a microcredit, i.e. very small loans (microloans), to impoverished borrowers who typically lack collateral, steady employment and a verifiable credit history, which is designed not only to support entrepreneurship and alleviate poverty, but also in many cases to empower women and uplift entire communities by extension.
  • the one touch service may further be integrated with the third-party online payment platform, which provides an escrow service, in which consumers can verify whether they are happy with goods they have bought before releasing money to the seller, which provides the safest way to transact online, where the funds are held in trust, no chargebacks or reversals.
  • the third-party online payment platform which provides an escrow service, in which consumers can verify whether they are happy with goods they have bought before releasing money to the seller, which provides the safest way to transact online, where the funds are held in trust, no chargebacks or reversals.
  • the transaction request may be sent without requesting financial information, authorizing, or confirmations from the user.
  • the user may select to receive a confirmation request before sending the transaction request.
  • a confirmation request associated with the transaction request may be provided to the user on the display before the transaction request is transmitted.
  • 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 may send the message to the recipient via a data network.
  • the processor 202 may provide a calling interface on the display of the mobile and wearable device. Via the calling interface, the processor 202 may receive a call recipient from the user and initiate a data network call to the call recipient.
  • the data network call may be made via a free Voice over IP (VoIP) service, a free Over-the-Top (OTT) service, and so forth.
  • VoIP Voice over IP
  • OTT Over-the-Top
  • 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. Based on the analysis, the processor 202 may determine a type of the captured multimedia to be recorded: an image and a video recording. For example, 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, the captured multimedia may be processed to generate an image, if the duration is more than one second, a video recording may be produced. The video recording may be captured while the single touch to the section element of the one-touch button associated with the multimedia capture mode lasts. The captured multimedia may be recorded to the database.
  • FIG. 3 is a flow chart illustrating a method 300 for messaging, calling, and one-touch and one-scan 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 combination 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-scan payment and buying system.
  • a unique code encoding the payment information is generated. The unique code is provided to the user at operation 306.
  • the method continues with providing a haptic control on the display of the mobile and wearable device.
  • the haptic control includes mode selection elements associated with a payment mode, a messaging mode, a calling mode, and a multimedia capture mode.
  • the haptic control may be providing on receiving a request to initiate the haptic control from the user.
  • the user may be prompted to provide a password, a code, a voice command, biometric data, and so forth.
  • the user may interact with the haptic control by touch to a specific area of the haptic control associated with one of the mode selection elements.
  • the selection of the activity mode may include a voice command, a move command, and so forth.
  • 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 operation 312.
  • a payment transaction type to be performed may be determined at operation 314. Thus, it may be determined whether the user is performing a payment or requesting a payment based on the information on the display of the mobile and wearable device.
  • a transaction request associated with the determined payment transaction type may be sent at operation 316.
  • the transaction request may include the extracted information and/or financial data and authorizing data associated with the user.
  • the financial data and authorizing data may be provided by the user during registration and stored by the messaging, calling, and one- touch and one-scan 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, and so forth.
  • the transaction request may be sent to a financial operation for processing.
  • the financial organization performing the payment may be a bank, a credit company, a virtual currency system, and so forth.
  • a deposit amount associated with the payment sending transaction related to the user may be received at operation 318.
  • a notification about a further payment sending transaction of the user may be received via the mobile payment service.
  • the notification may include at least the unique code and a payment amount of the further payment sending transaction.
  • a compensation, a rebate, a cashback, and/or a reward may be provided to the user from the deposit amount.
  • the compensation, the rebate, the cashback, and/or the reward may be associated with the payment amount associated with the further payment sending transaction and may amounts o a predetermined percent from the payment amount.
  • the system 200 of FIG. 2 may provide to the user a messaging interface on the mobile and wearable device.
  • a message may be received from the user and sent to a recipient via a data network.
  • the message may include a text, an audio, a video, and geographical data. Additionally, messages may be received from other users.
  • the haptic control may notify the user that one or more messages were received. The user may activate the messaging interface to read and/or reply to the messages.
  • 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. Based on the call request, the system 200 may initiate a data network call.
  • the call may include an audio call, a video call, a holographic video call, and so forth.
  • the call may be performed via a Voice over IP (VoIP) service, a free Over-the-Top (OTT) service, and so forth.
  • VoIP Voice over IP
  • OTT free Over-the-Top
  • the free VoIP service and the free OTT service include voice communication, fax, text messaging, voice messaging, video communication, and multimedia transmission.
  • the free VoIP service and the free OTT service are provided via Wi-Fi, 3G network, 4G network, 5G network, 6G network or upper.
  • 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 system 200 may authenticate an identity of the user.
  • the authentication may include one or more of the following: a password authentication, a voice authentication, and a biometric authentication.
  • the biometric authentication may include one or more of a fingerprint authentication, an iris pattern authentication, a heartbeat authentication, a vein pattern identification, and so forth.
  • the vein pattern identification may be performed using scanning of one or more of the following: 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 of the user.
  • the fingerprint authentication may include scanning fingerprints swiped across one or more or the following: a screen of the mobile and wearable device, a button of the mobile and wearable device, a rear panel of the mobile and wearable device, and so forth.
  • the system 200 may receive, based on the determining of the payment transaction type which the user intends to perform, data of a payment card associated with the user.
  • the data of the payment card may be received by scanning the payment card.
  • the payment card may be scanned by a camera of the mobile and wearable device by positioning the payment card in proximity to camera of the mobile and wearable device.
  • the payment card may be associated with one or more of the following: a bank account of the user, a virtual currency account of the user, and the like.
  • the bank account of the user and the virtual currency account of the user may be linked to a mobile and wearable device number.
  • 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.
  • 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 system 200 may calculate a total price for the one or more products.
  • merchant data may be received.
  • the merchant data may be received by scanning a code associated with the merchant.
  • a scanned code associated with the merchant may include at least a Quick Response (QR) code associated with the merchant.
  • QR-code associated with the merchant can be stored in the mobile and wearable device of the user.
  • the QR-code associated with the merchant may encode at least a merchant account number.
  • the transaction request may comprise at least the total price and the merchant data.
  • the system 200 may determine that the total price for the one or more products exceeds a predetermined price. Based on the determining, the system 200 may send a notification to a merchant.
  • 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.
  • the mobile application associated with the mobile and wearable device and the system 200 may be integrated into a software development kit and an operating system of the mobile and wearable device.
  • the operating system may be selected from iOS, Android, and Windows Phone.
  • the mobile application may be launched by default without a need for a further action (such as entering a login and a password by the user) from the user to initiate launching of the mobile application.
  • the mobile application may associated with performing payments and buying products or services in the Internet.
  • one-touch and one-scan 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-scan 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 selection 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 token 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.
  • the processor of the system 200 may be further configured to download applications, receive and set text, video, and multimedia data.
  • 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. If the user select the payment mode 406, a transaction request may be generated.
  • a haptic command e.g. touch
  • 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-scan 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-scan payment and buying 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 currency information, digital money, and so forth.
  • Online payments can be secured by two-factor authorization. One of the factors may be authorization on the integrated interface initiation, and the other factor may include locating the mobile and wearable device associated with the user and comparing the location with the location where the payment is requested.
  • 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 information 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,
  • USSD Unstructured Supplementary Service Data
  • SMS Short Message Service
  • direct operator billing credit card mobile payments
  • online wallets online wallets
  • QR code payments contactless near field communication (NFC)
  • NFC contactless near field communication
  • cloud-based mobile payments audio signal-based payment
  • Contactless NFC may be used to receive data for the payment request.
  • 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 prepaid 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.
  • the one touch service may further be integrated with electronic payment services, a shopping search engine and data-centric cloud computing services. More specifically, the one touch service may be integrated with a third-party online payment platform without charge, but earn interests on deposit and short time payment cash deposit.
  • the one touch service company may further operate worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders.
  • one touch service company may operate as a payment processor for online vendors, auction sites and other commercial users, for which it charges a fee.
  • a Bluetooth connection between the mobile and wearable device and the merchant device may be established.
  • 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-scan 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 in view on the display.
  • the system 200 may automatically provide financial information of the user on the page 506 and automatically initiate a payment.
  • 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 wearable 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 institution using the extraction and financial data stored in the database 606 without requesting financial information, authorizing, or confirmations.
  • 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 authentication may include password
  • 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 perform 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 may prompt the user either to prolong the automatic payment or to cancel the payment.

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

Abstract

L'invention concerne des procédés et systèmes mis en œuvre par ordinateur pour la messagerie, les appels et les paiements et achats par toucher unique et balayage unique par l'intermédiaire de dispositifs mobiles et vestimentaires. Un système décrit à titre d'exemple comporte un processeur et une base de données en communication avec le processeur. Le processeur est configuré pour assurer une commande haptique associée au système. La commande haptique est présentée sur un affichage d'un dispositif mobile et vestimentaire en chevauchement 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'appels. Le processeur reçoit une sélection du mode de paiement via les éléments de sélection de mode de la part d'un utilisateur. Suite à la sélection, un contexte est extrait de l'affichage. D'après le contexte, un type de transaction de paiement que l'utilisateur à l'intention d'effectuer est déterminé. Le type de transaction de paiement comprend une transaction de réception de paiement et une transaction d'émission de paiement. D'après la détermination, une demande de transaction est envoyée à une institution financière en utilisant l'extraction.
PCT/IB2018/050468 2017-01-31 2018-01-25 Paiement et achat par balayage unique et toucher unique utilisant une commande haptique via un système multimédia de messagerie et d'appels sur dispositif mobile et vestimentaire, interface de jeton monétaire, dispositif de point de vente, et carte de paiement électronique Ceased WO2018142248A1 (fr)

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CN201880008926.1A CN111406269A (zh) 2017-01-31 2018-01-25 通过移动和可穿戴设备上的消息收发和呼叫多媒体系统、货币令牌界面、销售点设备和电子支付卡使用触觉控件进行一触式和一次扫描式支付和购买

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US15/420,337 2017-01-31
US15/420,337 US9665865B1 (en) 2002-10-01 2017-01-31 One-scan 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

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US20170140366A1 (en) * 2002-10-01 2017-05-18 World Award Academy One-scan 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

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20150339696A1 (en) * 2002-10-01 2015-11-26 Tiger T. G. Zhou Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services
US20160110695A1 (en) * 2002-10-01 2016-04-21 Dylan T X Zhou One-scan 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
US20160275482A1 (en) * 2002-10-01 2016-09-22 Dylan T X Zhou Facilitating Mobile Device Payments Using Product Code Scanning
US20160275483A1 (en) * 2002-10-01 2016-09-22 Dylan T. X. Zhou 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
US20170140366A1 (en) * 2002-10-01 2017-05-18 World Award Academy One-scan 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
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