SYSTEMS AND METHODS FOR FACILITATING PAYMENT RECONCILIATION OVER A NETWORK
First Claim
1. A method for facilitating electronic commerce over a network, the method comprising:
- communicating with a user via a user device and a merchant via a merchant device over the network;
receiving a purchase request from the merchant via the merchant device over the network on behalf of the user;
generating an invoice with an invoice identifier related to the purchase request;
printing the generated invoice with the invoice identifier;
sending the printed invoice with the invoice identifier to the user via a postal service;
receiving an invoice payment request from the user via the user device over the network;
obtaining the invoice identifier from the invoice payment request;
reconciling an invoice payment on behalf of the user via the user device over the network; and
storing information related to the reconciled invoice payment.
2 Assignments
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Accused Products
Abstract
In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, receiving a purchase request from the merchant via the merchant device over the network on behalf of the user, generating an invoice with an invoice identifier related to the purchase request, printing the generated invoice with the invoice identifier, sending the printed invoice with the invoice identifier to the user via a postal service, receiving an invoice payment request from the user via the user device over the network, obtaining the invoice identifier from the invoice payment request, reconciling an invoice payment on behalf of the user via the user device over the network, and storing information related to the reconciled invoice payment.
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Citations
25 Claims
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1. A method for facilitating electronic commerce over a network, the method comprising:
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communicating with a user via a user device and a merchant via a merchant device over the network; receiving a purchase request from the merchant via the merchant device over the network on behalf of the user; generating an invoice with an invoice identifier related to the purchase request; printing the generated invoice with the invoice identifier; sending the printed invoice with the invoice identifier to the user via a postal service; receiving an invoice payment request from the user via the user device over the network; obtaining the invoice identifier from the invoice payment request; reconciling an invoice payment on behalf of the user via the user device over the network; and storing information related to the reconciled invoice payment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for facilitating electronic commerce over a network, the system comprising:
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means for communicating with a user via a user device and a merchant via a merchant device over the network; means for receiving a purchase request from the merchant via the merchant device over the network on behalf of the user; means for generating an invoice with an invoice identifier related to the purchase request; means for printing the generated invoice with the invoice identifier; means for sending the printed invoice with the invoice identifier to the user via a postal service; means for receiving an invoice payment request from the user via the user device over the network; means for obtaining the invoice identifier from the invoice payment request; means for reconciling an invoice payment on behalf of the user via the user device over the network; and means for storing information related to the reconciled invoice payment. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer readable medium on which are stored computer readable instructions and when executed by a processor operable to:
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communicate with a user via a user device and a merchant via a merchant device over the network; receive a purchase request from the merchant via the merchant device over the network on behalf of the user; generate an invoice with an invoice identifier related to the purchase request; print the generated invoice with the invoice identifier; send the printed invoice with the invoice identifier to the user via a postal service; receive an invoice payment request from the user via the user device over the network; obtain the invoice identifier from the invoice payment request; reconcile an invoice payment on behalf of the user via the user device over the network; and store information related to the reconciled invoice payment. - View Dependent Claims (22, 23, 24, 25)
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Specification