Smart mobile application for E-commerce applications

Patent metadata

Field	Value
Publication number	US-10395235-B2
Application number	US-201615235452-A
Country	US
Kind code	B2
Filing date	Aug 12, 2016
Priority date	Aug 12, 2016
Publication date	Aug 27, 2019
Grant date	Aug 27, 2019

Abstract

An approach using one or more computer processors to send a request from a user for a mobile payment to a payment gateway and to determine that an event has occurred on a mobile computing device of a user. The approach includes sending a request for additional transaction time for the mobile payment.

First claim

What is claimed is:

1. A method comprising:
requesting, by one or more computer processors, monitoring one or more operating systems of one or more mobile computing devices of a user;
sending, by the one or more computer processors, a request from the user for a mobile payment to a payment gateway;
determining automatically, by the one or more computer processors, an event indicating a disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user, wherein the event is a notification causing an interruption to processing of the request for the mobile payment;
responsive to determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more operating systems of the one or more mobile computing devices of the user, sending, by the one or more computer processors, a request for additional transaction time to input information for the mobile payment;
responsive to receiving an approval of the request for the additional transaction time to input information, creating, by the one or more computer processors, an alert to the user to complete the mobile payment within the approved additional transaction time;
transmitting, by the one of more computer processors, the alert to the user;
responsive to receiving a response to the transmitted alert that includes information to complete the mobile payment, inputting, by the one or more processors, the information to complete the mobile payment; and
transmitting, by the one or more processors, the mobile payment.

2. The method of claim 1 , wherein the interruption to the processing of the request for the mobile payment includes at least one of a fluctuating wireless signal for an internet connection, a low wireless signal for the internet connection, an incoming phone call, an incoming message, or a low battery power.

3. The method of claim 1 , wherein determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user further comprises:
receiving, by the one or more computer processors, a notification that the event has occurred on the one or more mobile computing devices of the user.

4. The method of claim 1 , wherein determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user further comprises:
sending, by the one or more computer processors, a notification of the event to at least one additional computing device of the user.

5. The method of claim 1 , wherein the steps are performed by a plug-in to a mobile app on the mobile computing device of the user.

6. A computer program product embedded in one or more computer readable storage media and program instructions stored on the one or more computer readable storage media, the program instructions executable by a processor, the program instructions comprising instructions for:
requesting monitoring one or more operating systems of one or more mobile computing devices of a user;
sending a request from the user for a mobile payment to a payment gateway;
determining automatically an event indicating a disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user, wherein the event is a notification causing an interruption to processing of the request for the mobile payment;
responsive to determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more operating systems of the one or more mobile computing devices of the user, sending a request for additional transaction time for the mobile payment;
responsive to receiving an approval of the request for the additional transaction time to input information, creating an alert to the user to complete the mobile payment within the approved additional transaction time;
transmitting the alert to the user;
responsive to receiving a response to the transmitted alert that includes information to complete the mobile payment, inputting the information to complete the mobile payment; and
transmitting the mobile payment.

7. The computer program product of claim 6 , wherein the interruption to the processing of t the request for the mobile payment includes at least one of a fluctuating wireless signal for an internet connection, a low wireless signal for the internet connection, an incoming phone call, an incoming message, or a low battery power.

8. The computer program product of claim 6 , wherein determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user further comprises:
receiving a notification that the event has occurred on the one or more mobile computing devices of the user.

9. The computer program product of claim 6 , wherein determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing device of the user further comprises:
sending a notification of the event to at least one additional computing device of the user.

10. The computer program product of claim 6 , wherein the steps are performed by a plug-in to a mobile app on the mobile computing device of the user.

11. A computer system comprising:
one or more computer processors;
one or more computer readable storage media; and
program instructions stored on the one or more computer readable storage media for execution by at least one of the one or more processors, the program instructions comprising instructions for:
requesting monitoring one or more operating systems of one or more mobile computing devices of a user;
sending a request from the user for a mobile payment to a payment gateway;
determining automatically an event indicating a disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more mobile computing devices of the user, wherein the event is a notification causing an interruption to processing of the request for the mobile payment;
responsive to determining automatically the event indicating the disruption has occurred on the one or more mobile computing devices of the user based on monitoring the one or more operating systems of the one or more mobile computing devices of the user, sending a request for additional transaction time for the mobile payment;
responsive to receiving a approval of the request for the additional transaction time to input information, creating an alert to the user to complete the mobile payment within the approved additional transaction time;
transmitting the alert to the user;
responsive to receiving a response to the transmitted alert that includes information to complete the mobile payment, inputting the information to complete the mobile payment; and
transmitting the mobile payment.

12. The computer system of claim 11 , wherein the interruption to the processing of the request for the mobile payment includes at least one of a fluctuating wireless signal for an internet connection, a low wireless signal for the internet connection, an incoming phone call, an incoming message, or a low battery power.

13. The computer system of claim 11

Assignees

• IBM

Inventors

• Ayyagari Phani Kumar V U
• Bhide Manish A
• Jasti Purnachandra R

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• 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 · CPC title

• G06Q20/3226 Primary

  Use of secure elements separate from M-devices · CPC title

• H04W8/30

  Network data restoration; {Network data reliability; Network data fault tolerance} · CPC title

• G06Q20/027

  involving a payment switch or gateway · CPC title