Financial transaction processing with digital artifacts and a default payment method using a POS

摘要

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

主权项

1. A method, comprising:
receiving a payment account identifier at a point of sale terminal using a first wireless communication channel, wherein the execution of a payment application running on a mobile device facilitates a transfer of the payment account identifier corresponding to a default payment method to the point of sale terminal in response to receiving input from a user at the mobile device to initiate a transaction to purchase an item, the payment account identifier maintained in a mobile device memory included in the mobile device, wherein the payment application is a mobile operating system platform non browser based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device radio interface, and a mobile device wireless fidelity (Wi-Fi) interface; sending the payment account identifier to a management server for processing the transaction using the default payment method, wherein the management server stores the default payment method and further wherein the management server selects a digital artifact based on one or more targeting parameters and sends the digital artifact to the payment application for display within a specific payment application generated screen wherein the specific payment application generated screen corresponds to a specific screen or area of the payment application.