Systems and methods for processing and providing a payment
First Claim
Patent Images
1. A data processing system, comprising:
- means for storing open payment items, wherein each open payment item is assigned to an identifier;
means for storing user authorizations, wherein each user authorization specifies a sub-set of the identifiers;
means for storing user specific totals of payment amounts that have been collected from payers;
communication means for receiving a selection of one of the sub-sets of the identifiers, accessing the means for storing the open payment items with the selected identifier to retrieve the open payment item assigned to the selected identifier, transmitting the retrieved open payment item to a client device, and receiving data indicating receipt of the open payment item from a payer;
means for adding the open payment item to a user specific total;
means for initiating a transfer of the user specific total from a bank account of the user to a payee'"'"'s bank account; and
means for resetting the user specific total after the transfer has been initiated.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are provided for data processing. In one implementation, a data process system is provided that stores open payment items. Each open payment item may be assigned an identifier. The data processing system may also store user authorizations that specify a sub-set of the identifiers. Furthermore, the data processing system may store user specific totals of payment amounts that have been collected from payers. The data processing system may report receipt of an open payment item, add the open payment item to a user specific total, and initiate a transfer of the user specific total from a payer'"'"'s bank account to a payee'"'"'s bank account.
47 Citations
18 Claims
-
1. A data processing system, comprising:
-
means for storing open payment items, wherein each open payment item is assigned to an identifier;
means for storing user authorizations, wherein each user authorization specifies a sub-set of the identifiers;
means for storing user specific totals of payment amounts that have been collected from payers;
communication means for receiving a selection of one of the sub-sets of the identifiers, accessing the means for storing the open payment items with the selected identifier to retrieve the open payment item assigned to the selected identifier, transmitting the retrieved open payment item to a client device, and receiving data indicating receipt of the open payment item from a payer;
means for adding the open payment item to a user specific total;
means for initiating a transfer of the user specific total from a bank account of the user to a payee'"'"'s bank account; and
means for resetting the user specific total after the transfer has been initiated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. A method of providing payment, comprising:
-
storing open payment items, wherein each open payment item is assigned to an identifier;
storing user authorizations, wherein each user authorization specifies a sub-set of the identifiers;
storing user specific totals of payment amounts that have been collected from payers;
receiving a selection of one of the sub-sets of identifiers;
accessing open payment items with the selected identifier to retrieve the open payment item assigned to the selected identifier;
transmitting the retrieved open payment item to a client device;
receiving data indicating receipt of the open payment item from a payer;
adding the open payment item to a user specific total;
initiating a transfer of the user specific total from a bank account of the user to a payee'"'"'s bank account; and
resetting the user specific total after the transfer has been initiated. - View Dependent Claims (11, 12, 13, 14, 15, 16)
-
-
17. A method of collection of payments, comprising:
-
connecting a client device to a web-portal;
selecting an identifier from a sub-set of identifiers displayed on a pull-down menu, wherein each identifier is assigned a payment item;
displaying an open payment item assigned to the selected identifier; and
receiving data confirming receipt of the open payment item from a payer. - View Dependent Claims (18)
-
Specification