Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services, digital currency, NFC touch payments, mobile digital card barcode payments, and multimedia haptic capture buying
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-030/02
G06Q-020/38
G06Q-020/40
G06Q-020/34
G06Q-030/06
G06Q-020/32
G06K-007/10
G06K-019/06
출원번호
US-0061982
(2016-03-04)
등록번호
US-9619794
(2017-04-11)
발명자
/ 주소
Zhou, Tiger T G
Zhou, Andrew H B
Zhou, Dylan T X
출원인 / 주소
Zhou, Tiger T G
대리인 / 주소
Nielsen, Steven A.
인용정보
피인용 횟수 :
0인용 특허 :
3
초록▼
Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code
Provided are methods and systems for providing compensation for using a mobile payment service. The method may commence with receiving payment information associated with a user. The method may include generating a unique code encoding the payment information and providing the generated unique code to the user. The method may continue with receiving a deposit amount associated with a purchase related to the user. The purchase may be made via the mobile payment service. The method may further include receiving a notification about a further purchase of the user via the mobile payment service. The notification may include at least the unique code and a product barcode. The product barcode may be associated with the further purchase. The method may further include providing a compensation from the deposit amount to the user. The compensation may be associated with a payment amount associated with the further purchase.
대표청구항▼
1. A method for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the method comprising: purchasing, for a price, using the mobile payment service, a mobile and wearable payment device operable to use the mobile payment service; receiving,
1. A method for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the method comprising: purchasing, for a price, using the mobile payment service, a mobile and wearable payment device operable to use the mobile payment service; receiving, by a processor of the mobile payment service, payment information associated with the purchase of the mobile and wearable payment device made via the mobile payment service, the payment information being associated with a mobile payment account of a user in the mobile payment service who purchased the mobile and wearable payment device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service; subsequent to the receiving of the payment information, receiving, by the processor of the mobile payment service, a deposit amount associated with the mobile and wearable payment device purchased by the user, the deposit amount equal to the price of the mobile and wearable payment device purchase; subsequent to the receiving of the deposit amount, generating, by the processor of the mobile payment service, a unique optical code, the unique optical code encoding the payment information; performing, by the mobile and wearable payment device, a subsequent product purchase by the user from a merchant, via the mobile payment service, the subsequent product purchase providing, by a processor of the mobile and wearable payment device, the unique optical code and a product barcode obtained by the mobile and wearable payment device from the product, to a display of the mobile device; displaying, by the display of the mobile and wearable payment device, the unique optical code and the product barcode; completing the subsequent product purchase by the merchant scanning the unique optical code and product barcode from the display of the mobile and wearable payment device; providing by the merchant, to the processor of the mobile payment service, the unique optical code and the product barcode; providing, from the deposit amount, at least one of a compensation, a rebate, a cashback, and a reward to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being a predetermined percentage of a total cost for the subsequent product purchase; providing the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the subsequent product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the subsequent product purchase and the product purchases made subsequently do not exceed the price of the mobile and wearable payment device, and can only be applied to payment of the mobile payment service. receiving, by the processor, a first user input; based on the first user input, initiating one or more sensors to capture multimedia to obtain captured multimedia; receiving, by the processor, a second user input; analyzing, by the processor, data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input; based on the analysis, selectively selecting, by the processor, a multimedia capture mode or a payment transaction mode; if the multimedia capture mode is selected, recording, by the processor, the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input; if the payment transaction mode is selected, receiving, by the processor, transaction data, wherein the transaction data includes at least a payment amount and a recipient; based on the transaction data, user payment data, and recipient payment data, performing, by the processor, a payment transaction, wherein the user payment data, the deposit amount, and the recipient payment data are stored in the database; wherein the first user input and the second user input are performed on the mobile and wearable payment device, the mobile and wearable payment device including one or more of the following: handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System watch, a mixed reality device, a computer-mediated reality device, and a clothing technology device, the mobile device having a band adapted to secure the mobile device on a human body, the human body including one or more of the following: a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile device under, within, or on clothing, and wherein the payment transaction mode is operable to process the product purchase and subsequent product purchases. 2. The method of claim 1, further comprising: calculating the compensation based on a payment amount associated with the further purchase, wherein the calculation is performed according to predefined criteria. 3. The method of claim 1, further comprising scanning the unique code or the product barcode from a screen of the mobile and wearable payment device associated with the user, wherein the unique code includes one or more of the following: a Quick Response (QR) code, a linear code, and a two-dimensional code. 4. The method of claim 1, wherein payment information includes one or more of the following: bank account information, credit card information, debit card information, gift card information, currency token information, and digital money information; wherein the mobile payment service is provided by a service provider, and wherein the mobile payment service provides making payments using a provider terminals or a compatible device, wherein the compatible device works with a Pay Wave application associated with Visa, Pay Pass application associated with MasterCard, and Express Pay terminals associated with American Express, wherein the mobile payment service is associated with making payments at contactless points of sale and in application associated with iOS operating system or Android operating system; wherein the mobile payment service is associated with a two-factor authentication using a Near Field Communication (NFC) antenna and a chip that stores the payment information, the payment information being encrypted, the mobile payment service is operable to generate a dynamic security code for each transaction;wherein the mobile payment service is operable to link a payment card associated with the user to the mobile payment service, the payment card being added by one or more of the following: indicating a user bank account by the user, taking a photo of the payment card, and entering the payment card information manually by the user. 5. The method of claim 1, wherein the deposit amount equals a price of the purchase. 6. The method of claim 1, further comprising: based on the providing of the compensation, deducting the compensation from the deposit amount, wherein the compensation is provided to the user until the deposit amount exhausts. 7. The method of claim 1, further comprising: providing, by the processor of the mobile and wearable payment device, a haptic control integrated with at least one mobile application associated with the mobile and wearable payment device, wherein the haptic control is shown on a display of the mobile and wearable payment device overlapping other visual elements, the haptic control providing mode selection elements associated with a payment mode, a messaging mode, and a calling mode;receiving, by the processor, a selection of the payment mode via the mode selection elements of the haptic control from the user;upon the selection, extracting, by the processor, context from the display of the mobile and wearable device, wherein the context includes a web page, an application screen, or a message in view on the display;based on the context, determining, by the processor, a payment transaction type which the user intends to perform, wherein the payment transaction type includes a payment receiving transaction and a payment sending transaction, the determining including parsing of the context extracted from the display; andbased on the determining, automatically sending a transaction request to a financial institution without requesting financial information, authorizing, or confirmations, the financial data and authorizing data associated with the user being provided by the user during registration and stored in the mobile payment service, wherein the financial information includes 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. 8. The method of claim 7, further comprising: receiving, by the processor, a selection of the messaging mode via the mode selection elements of the haptic control from the user;upon the selection, providing, by the processor, a messaging interface on the display of the mobile and wearable device;receiving, by the processor, via the messaging interface, a message and a choice of a recipient from the user; andsending, by the processor, the message to the recipient via a data network. 9. The method of claim 7, further comprising: receiving, by the processor, a selection of the calling mode via the mode selection elements of the haptic control from the user;upon the selection, providing, by the processor, a calling interface on the display of the mobile and wearable device; andreceiving, by the processor, via the calling interface, a call recipient from the user; andperforming, by the processor, the call with the call recipient via a data network, wherein the call is selected from a group comprising: an audio call, a video call, and a holographic video call, and wherein the call is performed via a Voice over Internet Protocol (VoIP) service, the VoIP service being provided via Wi-Fi, 3G network, 4G network, 5G network, 6G network or upper. 10. The method of claim 1, further comprising: summarizing, by the processor, the one or more compensations to obtain a summarized compensation;determining, by the processor, that the summarized compensation is equal to the deposit amount; andbased on the determining, providing a free product or a free service to the user. 11. The method of claim 1, wherein the compensation includes one or more of the following: loyalty credits provided for participation in loyalty programs, a repayment of a percentage of an amount of purchases made with a provider of the mobile payment service, a refund of bank services, a discount on mobile services, free mobile services, zero monthly fee, free bank services, free insurance services, and saved payment card charges. 12. The method of claim 1, wherein the free product is provided by a mobile payment service provider. 13. The method of claim 1, wherein payment information includes one or more of the following: bank account information, credit card information, debit card information, gift card information, and digital money information, wherein the payment information is associated with a payment transaction, wherein the payment transaction includes one or more of the following: a face-to-face barcode scanning payment transaction, a short distance Bluetooth payment transaction, a remote long distance Internet payment transaction, wherein the payment transaction is associated with one or more of the following: Unstructured Supplementary Service Data, Short Message Service, direct operator billing, a credit card mobile payment, an online wallet, a QR code payment, a contactless near field communication payment, a cloud-based mobile payment, an one-touch payment, an one-scan payment, an audio signal-based payment, a Bluetooth Low Energy signal beacon payment, an in-application payment, a social networking payment, a trade token payment, a merchant token payment, a currency token payment, and a direct carrier and bank co-operation; wherein the payment transaction is associated with a third party application, wherein the payment transaction is associated with one or more of an application programming interface and a software development kit, wherein the payment transaction is further associated with a fingerprint touch recognition payment, a fingerprint press recognition payment, a gesture mark payment, a voice command payment, and eye blink payment, a fingerprint swipe recognition payment, and a nod payment;wherein the payment transaction is associated with an NFC, the payment transaction being performed for purchases online and offline, wherein 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-scan payment for street parking in demarcated areas, the payment being performed using one or more of the following: 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-scan payment; wherein the NFC is used to establish radio communication with an external device by touching the housing and the external device or bringing the housing and the external device into proximity, the proximity includes a distance of up to 10 centimeters; wherein the payment transaction is performed a mode selected from three modes, the three modes include an NFC target mode when the mobile device is acting as a credential, a NFC initiator mode when the mobile device is acting as a reader, and an NFC peer-to-peer mode; wherein the payment is further associated with advertisement tags, two-dimensional barcodes, and ultra high frequency tags; wherein user credentials are provisioned over the air; the payment being associated with a payment application operable to control transferring of the payment and access payment readers. 14. The method of claim 1, wherein the purchase includes a product, a device, a detail part, and a service provided to the user. 15. The method of claim 1, wherein the deposit amount equals a price of the purchase. 16. The method of claim 1, wherein a cost of the free product or the free service equals to the deposit amount. 17. A system for using a mobile and wearable payment device and for providing compensation for using a mobile payment service, the system comprising: a processor configured to: receive payment information associated with a user purchase, for a price, of a mobile and wearable payment device operable to use the mobile payment service, made via the mobile payment service, the payment information being associated with a mobile payment account of the user in the mobile payment service, wherein the payment information is associated with a mobile payment account of the user in the mobile payment service who purchased the mobile and wearable payment device and wherein the payment information comprises at least financial account information of the user operable to complete a purchase transaction via the mobile payment service; subsequent to the receiving of the payment information, receive a deposit amount associated with the purchase of the mobile and wearable payment device, the deposit amount equal to the price of the mobile and wearable payment device;subsequent to the receiving of the deposit amount, generate a unique code, the unique code encoding the payment information;provide the unique code to the user;receive a notification about a further product purchase of the user made on the mobile and wearable payment device via the mobile payment service at a merchant selling the product, the notification including at least the unique code and a product barcode obtained from the product by the mobile and wearable payment device, the product barcode being associated with the further purchase; receive, from the merchant, the unique optical code and the product barcode obtained by the merchant from the display of the mobile and wearable payment device;provide at least one of a compensation, a rebate, a cashback, and a reward from the deposit amount to the mobile payment account of the user, the at least one of the compensation, the rebate, the cashback, and the reward being associated with a payment amount associated with the further purchase, wherein the at least one of the compensation, the rebate, the cashback, and the reward amounts to a predetermined percent of a total cost of the further product purchase; provide the at least one of the compensation, the rebate, the cashback, and the reward from the deposit amount to the mobile payment account of the user for each purchase of a product made using at least the unique optical code and the mobile payment service, subsequent to the further product purchase, and wherein a total amount of the at least one of the compensation, the rebate, the cashback, and the reward provided from the deposit amount for the further product purchase and the product purchases made subsequently do not exceed the price of the mobile and wearable device, and can only be applied to payment of the mobile payment service; and wherein the processor is further configured to receive, a first user input; based on the first user input, initiate one or more sensors to capture multimedia to obtain captured multimedia; receive a second user input; analyze data associated with the first user input and the second user input, wherein the analyzing includes determining time between the first user input and the second user input; based on the analysis, selectively select, a multimedia capture mode or a payment transaction mode; if the multimedia capture mode is selected, record the captured multimedia to a database to obtain recorded multimedia, wherein a type of the multimedia being recorded is determined based on the time between the first user input and the second user input; if the payment transaction mode is selected, receive transaction data, wherein the transaction data includes at least a payment amount and a recipient; based on the transaction data, user payment data, and recipient payment data, perform a payment transaction, wherein the user payment data, the deposit amount, and the recipient payment data are stored in the database; wherein the first user input and the second user input are performed on the mobile and wearable payment device, the mobile and wearable payment device including one or more of the following: handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System watch, a mixed reality device, a computer-mediated reality device, and a clothing technology device, the mobile device having a band adapted to secure the mobile device on a human body, the human body including one or more of the following: a wrist, an arm, a neck, a head, a leg, a waist, an ear, and a finger, wherein the band is adapted to secure the mobile device under, within, or on clothing, and wherein the processor in the payment transaction mode is operable to process the product purchase and subsequent product purchases. 18. The system of claim 17, further comprising a user interface configured to visualize data associated with the mobile payment service. 19. The system of claim 17, wherein the processor is further configured to: deduct the compensation from the deposit amount based on the providing of the compensation, the compensation being provided to the user until the deposit amount exhausts; andcalculate the compensation based on the notification, wherein the calculation is performed according to predefined criteria.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (3)
Bernard Warren E. ; Jacobson Philip A., System and method for automated remote previewing and purchasing of music, video, software, and other multimedia product.
Zhou, Tiger T G; Zhou, Dylan T X; Zhou, Andrew H B, Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.