WO2016024183A3 - Systems and methods for messaging, calling, digital multimedia capture and payment transactions - Google Patents

Systems and methods for messaging, calling, digital multimedia capture and payment transactions Download PDF

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Publication number
WO2016024183A3
WO2016024183A3 PCT/IB2015/055809 IB2015055809W WO2016024183A3 WO 2016024183 A3 WO2016024183 A3 WO 2016024183A3 IB 2015055809 W IB2015055809 W IB 2015055809W WO 2016024183 A3 WO2016024183 A3 WO 2016024183A3
Authority
WO
WIPO (PCT)
Prior art keywords
user input
multimedia
payment
systems
data
Prior art date
Application number
PCT/IB2015/055809
Other languages
French (fr)
Other versions
WO2016024183A2 (en
Inventor
Andrew Zhou
Tiger ZHOU
Dylan ZHOU
Original Assignee
Andrew Zhou
Zhou Tiger
Zhou Dylan
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 US13/185,491 external-priority patent/US9367841B2/en
Priority claimed from US13/620,775 external-priority patent/US20130018782A1/en
Priority claimed from US13/623,944 external-priority patent/US20130018715A1/en
Priority claimed from US13/661,207 external-priority patent/US20130043305A1/en
Priority claimed from US13/753,855 external-priority patent/US20130141313A1/en
Priority claimed from US13/760,214 external-priority patent/US9016565B2/en
Priority claimed from US13/776,852 external-priority patent/US20130172068A1/en
Priority claimed from US13/875,311 external-priority patent/US20130240622A1/en
Priority claimed from US13/973,146 external-priority patent/US9153074B2/en
Priority claimed from US14/154,446 external-priority patent/US20140129422A1/en
Priority claimed from US14/165,826 external-priority patent/US20140143037A1/en
Priority claimed from US14/334,992 external-priority patent/US9047600B2/en
Application filed by Andrew Zhou, Zhou Tiger, Zhou Dylan filed Critical Andrew Zhou
Publication of WO2016024183A2 publication Critical patent/WO2016024183A2/en
Publication of WO2016024183A3 publication Critical patent/WO2016024183A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0487—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
    • G06F3/0488—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/4015—Transaction verification using location information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H04L12/146—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network using digital cash
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/7243—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality with interactive means for internal management of messages
    • H04M1/72439—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality with interactive means for internal management of messages for image or video messaging
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
    • H04M17/301—Code input or reading
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/30—Prepayment of wireline communication systems, wireless communication systems or telephone systems using a code
    • H04M17/301—Code input or reading
    • H04M17/304—Optical code recognition [OCR], e.g. bar code reader
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/26—Devices for calling a subscriber
    • H04M1/27—Devices whereby a plurality of signals may be stored simultaneously
    • H04M1/274—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc
    • H04M1/2745—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc using static electronic memories, e.g. chips
    • H04M1/2753—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc using static electronic memories, e.g. chips providing data content
    • H04M1/2755—Devices whereby a plurality of signals may be stored simultaneously with provision for storing more than one subscriber number at a time, e.g. using toothed disc using static electronic memories, e.g. chips providing data content by optical scanning
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/63—Location-dependent; Proximity-dependent
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/60—Context-dependent security
    • H04W12/69—Identity-dependent
    • H04W12/77—Graphical identity

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Human Computer Interaction (AREA)
  • General Engineering & Computer Science (AREA)
  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)
  • User Interface Of Digital Computer (AREA)

Abstract

Provided are computer implemented methods and systems for multimedia capture and payment transactions. According to the method, a first user input may be received. Based on the first user input, sensors may be initiated to capture multimedia. The method may further comprise receiving a second user input. Data associated with the first user input and the second user input may be analyzed. Based on the analysis, a multimedia capture mode or a payment transaction mode may be selectively selected. If the multimedia capture mode is selected, the captured multimedia may be recorded to a database. A type of the multimedia being recorded may be determined based on time between the first user input and the second user input. If the payment transaction mode is selected, transaction data may be received. Based on the transaction data, user payment data, and recipient payment data, a payment transaction may be performed.
PCT/IB2015/055809 2011-07-18 2015-07-31 Systems and methods for messaging, calling, digital multimedia capture and payment transactions WO2016024183A2 (en)

Applications Claiming Priority (14)

Application Number Priority Date Filing Date Title
US13/185,491 US9367841B2 (en) 2011-07-18 2011-07-18 Facilitating mobile device payments using product code scanning
US13/620,775 US20130018782A1 (en) 2011-07-18 2012-09-15 Methods and systems for facilitating mobile device payments using codes and cashback business model
US13/623,944 US20130018715A1 (en) 2011-07-18 2012-09-21 Facilitating mobile device payments using product code scanning to enable self checkout
US13/661,207 US20130043305A1 (en) 2011-07-18 2012-10-26 Methods and systems for receiving compensation for using mobile payment services
US13/753,855 US20130141313A1 (en) 2011-07-18 2013-01-30 Wearable personal digital eyeglass device
US13/760,214 US9016565B2 (en) 2011-07-18 2013-02-06 Wearable personal digital device for facilitating mobile device payments and personal use
US13/776,852 US20130172068A1 (en) 2011-11-02 2013-02-26 Wearable personal digital flexible cloud game, multimedia, communication and computing device
US13/875,311 US20130240622A1 (en) 2011-07-18 2013-05-02 Facilitating mobile device payments using mobile payment account, mobile barcode and universal digital mobile currency
US13/973,146 US9153074B2 (en) 2011-07-18 2013-08-22 Wearable augmented reality eyeglass communication device including mobile phone and mobile computing via virtual touch screen gesture control and neuron command
US14/154,446 US20140129422A1 (en) 2011-07-18 2014-01-14 Systems and methods for issuing mobile payment cards via a mobile communication network and internet-connected devices
US14/165,826 US20140143037A1 (en) 2011-07-18 2014-01-28 Systems and methods to own a free computer, a free mobile device and a free wearable device and life time warranty via the same device payment cashback
US14/334,992 US9047600B2 (en) 2011-07-18 2014-07-18 Mobile and wearable device payments via free cross-platform messaging service, free voice over internet protocol communication, free over-the-top content communication, and universal digital mobile and wearable device currency faces
US14/458,791 2014-08-13
US14/458,791 US9098190B2 (en) 2011-07-18 2014-08-13 Systems and methods for messaging, calling, digital multimedia capture and payment transactions

Publications (2)

Publication Number Publication Date
WO2016024183A2 WO2016024183A2 (en) 2016-02-18
WO2016024183A3 true WO2016024183A3 (en) 2016-04-21

Family

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Family Applications (1)

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PCT/IB2015/055809 WO2016024183A2 (en) 2011-07-18 2015-07-31 Systems and methods for messaging, calling, digital multimedia capture and payment transactions

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Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11516153B2 (en) 2016-01-25 2022-11-29 Expensify, Inc. Computer system providing a chat engine
CN114694327A (en) * 2020-12-30 2022-07-01 华为技术有限公司 Payment method and communication device
US20230101795A1 (en) * 2021-09-30 2023-03-30 Expensify, Inc. Chat abstraction layer for a peer-to-peer transaction service

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060116938A1 (en) * 2002-07-03 2006-06-01 Siemens Aktiengesellschaft Method for the electronic payment of a merchandise or service by using a mobile radio network, and arrangement for carrying out said method
CN101034449A (en) * 2007-04-17 2007-09-12 华中科技大学 Method, system and mobile terminal for implementing electronic payment
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
CN102566920A (en) * 2011-12-22 2012-07-11 惠州Tcl移动通信有限公司 Electronic device and control method thereof
US20140349692A1 (en) * 2011-07-18 2014-11-27 Andrew H B Zhou Systems and methods for messaging, calling, digital multimedia capture and payment transactions

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060116938A1 (en) * 2002-07-03 2006-06-01 Siemens Aktiengesellschaft Method for the electronic payment of a merchandise or service by using a mobile radio network, and arrangement for carrying out said method
CN101034449A (en) * 2007-04-17 2007-09-12 华中科技大学 Method, system and mobile terminal for implementing electronic payment
CN101334875A (en) * 2007-06-25 2008-12-31 黄金富 Method and system for payment in instant mutual bank transfer by mobile phone
US20140349692A1 (en) * 2011-07-18 2014-11-27 Andrew H B Zhou Systems and methods for messaging, calling, digital multimedia capture and payment transactions
CN102566920A (en) * 2011-12-22 2012-07-11 惠州Tcl移动通信有限公司 Electronic device and control method thereof

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