Electronic payment system
First Claim
Patent Images
1. A method for increasing credit in an account, comprising the steps of:
- receiving, via a fulfillment component, a deposit payment and account identification information, said account identification information received by scanning identification indicia from a wireless communications device;
creating a message comprising said account identification information and value information corresponding to said payment;
delivering said message to a transaction processing component; and
crediting said account in accordance with said value information.
3 Assignments
0 Petitions
Accused Products
Abstract
An electronic payment system and method facilitates electronic commerce through controlled transfer of identification and value representations to wireless devices. The system includes a payment collection apparatus and a transaction apparatus, and provides for representation of user and transaction information via machine-readable indicia. In one embodiment, the machine-readable indicia is a barcode. The present invention is useful in such example applications as credit transactions, lottery system operations, and mobile top up applications.
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Citations
38 Claims
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1. A method for increasing credit in an account, comprising the steps of:
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receiving, via a fulfillment component, a deposit payment and account identification information, said account identification information received by scanning identification indicia from a wireless communications device; creating a message comprising said account identification information and value information corresponding to said payment; delivering said message to a transaction processing component; and crediting said account in accordance with said value information. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for processing credit transactions in connection with received payment, comprising the steps of:
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receiving a deposit payment and transaction information, said transaction information including account identification information, transaction type, and transaction value information; delivering said transaction information to a transaction processing component; upon said transaction type being a credit request, crediting said account according to said transaction value information; and upon said transaction type being a voucher request, issuing a voucher to a user in the amount determined by said transaction value information. - View Dependent Claims (9, 10, 11, 12)
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13. A system for facilitating credit transactions, comprising:
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a transaction database for storing information about transaction types in connection with electronic transactions for at least one service provider type; a plurality of service provider account databases for respectively storing account information including at least account identification and account balance information for a plurality of users associated with each of said service providers; a transaction apparatus for receiving a deposit payment and scanning code information displayed on a wireless communications device, said code information corresponding to a stored transaction type and at least one of said accounts associated with at least one of said service provider databases; and a transaction processor in two-way communication with said transaction database, account databases and said transaction apparatus for receiving information from said transaction apparatus, said received information representing account identification information, transaction type information and transaction amount information corresponding to said deposit payment, said transaction processor adapted to process said received information and perform at least one of;
crediting said account identified by said account identification information according to said transaction amount, delivering a credit or voucher corresponding to said payment to a wireless device.
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14. A method for transferring credit among multiple accounts, comprising the steps of:
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receiving a request to transfer credit from a first credit account to a second account; receiving identification information sufficient to identify said first and second accounts; and receiving transaction information indicative of transaction type and transaction amount, wherein at least one of said identification information and said transaction information is received by scanning a barcode displayed on a wireless device.
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15. A method for facilitating credit transactions, comprising the steps of:
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receiving a request from a user for a credit transfer; attributing said request to said account for said user; delivering a transaction code to said user'"'"'s mobile device; and upon receiving payment and decoding said transaction code, automatically crediting said user'"'"'s account. - View Dependent Claims (16, 17)
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18. A method for processing transactions in connection with received payment, comprising the steps of:
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receiving, via a fulfillment component, a deposit payment and account identification information; creating a message comprising said account identification information and value information corresponding to said payment; delivering said message to a transaction processing component; and issuing a credit voucher in the form of a barcode. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 29, 30)
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28. A method for facilitating credit transactions, comprising the steps of:
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providing a user with at least one transaction code representing an account to which funds can be deposited, and at least one transaction code representing a transaction type request, each of said codes being provided in the form of a barcode capable of being presented on and read from the display a wireless device; receiving a payment and at least one of said transaction codes from said user.
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31. A mobile device, comprising:
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a display portion; a memory for storing a plurality of barcodes indicative of at least one account identifier, at least one transaction type and a plurality of value representations; means for displaying a first barcode on said display portion, said first barcode corresponding to said at least one account identifier; means for displaying a second barcode on said display portion, said second barcode corresponding to said at least one transaction type and a value representation.
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32. A system for facilitating wireless transactions, comprising:
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a cellular network; a database of user accounts and transaction types; an electronic infrastructure whereby messages can be sent to mobile devices, said messages capable of including transaction and account codes which can be displayed on and read from a visual display of said mobile devices, said transaction codes including information corresponding to a transaction type and a value representation; means for receiving information about at least one transaction code and at least one account code as said codes are read from a mobile device display; means for processing said received transaction and account code information; means for attributing said received account code information to an individual user. - View Dependent Claims (33, 34)
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35. A method for facilitating wireless transactions for a lottery account, comprising the steps of:
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receiving a payment and lottery account identifying information; and receiving a request to credit said lottery account in the amount of said payment, wherein at least one of said account identifying information and said request is received by scanning a barcode displayed on a wireless device. - View Dependent Claims (36, 37, 38)
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Specification