PAYMENT SYSTEM USING IMAGES

• US 20120158582A1
• Filed: 12/20/2010
• Published: 06/21/2012
• Est. Priority Date: 12/20/2010
• Status: Abandoned Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Nuzzi, Frank Anthony
• Application Number:
  US12/973,143
• Publication Number:
  US 20120158582A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 30/0241 Advertisements
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A method for making a payment using an image includes receiving an image from a camera. The image is analyzed using a processor. A payee indicator that is included in the image is determined. Payee information from a database is retrieved using the payee indicator. A request to make a payment to a payee is sent over a network using the payee information. Thus, a payer may take an image that includes a payee indicator and the method will use that payee indicator to retrieve payee information that may include a current payment due to the payee and a due date for that payment, and the payer may quickly and easily send a request to make that payment to a payment service provider to ensure that the payment is made to the payee.

Claims

1. A method for making a payment using an image, comprising:

receiving an image from a camera;

analyzing the image using a processor and determining that a payee indicator is included in the image;

matching the payee indicator determined to be included in the image with a confirmed payee indicator in a database;

retrieving payee information from a database using the confirmed payee indicator;

calculating at least one payment owed to a payee associated with the confirmed payee indicator subsequent to the confirming the payee indicator; and

sending a request to make a payment to the payee over a network for the at least one payment owed.

2. The method of claim 1, wherein the method further comprises:

displaying the payee information on a display; and

receiving a confirmation, related to the request to make a payment to the payee, from an input device, wherein the sending the request to make the payment is performed in response to receiving the confirmation.

3. The method of claim 2, wherein the retrieving and displaying the payee information comprises retrieving and displaying a current amount due to the payee and a due date for the payment.

4. The method of claim 2, wherein the retrieving and displaying the payee information comprises retrieving and displaying a plurality of payments made to the payee.

5. The method of claim 2, wherein the retrieving and displaying the payee information comprises retrieving and displaying at least one payee option and the method further comprises:

receiving at least one payment variable provided through the at least one payee option from the input device; and

calculating an amount of the at least one payment owed to the payee associated with the confirmed payee indicator using the at least one payment variable.

6. The method of claim 2, further comprising:

determining a current location using a location sensor, wherein the payee information is retrieved from the database using the payee indicator and the current location.

7. The method of claim 1, wherein the analyzing the image using a processor further comprises:

analyzing the image using the processor and determining that a secondary payer is included in the image; and

calculating the at least one payment owed to the payee associated with the confirmed payee indicator using the secondary payer.

8. The method of claim 7, further comprising:

sending a reimbursement request to the secondary payer over the network.

9. A machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors, are adapted to cause the one or more processors to perform a method comprising:

receiving an image from a camera;

analyzing the image to determine that a payee indicator is included in the image;

confirming the payee indicator;

retrieving payee information from a database using the confirmed payee indicator, wherein the payee information includes at least one payment owed to a payee associated with the confirmed payee indicator, and wherein the at least one payment owed to the payee is calculated subsequent to confirming the payee indicator; and

sending a request to make a payment to the payee over a network for the at least one payment owed.

10. The machine-readable medium of claim 9, wherein the plurality of machine-readable instructions, when executed by the one or more processors, are adapted to cause the one or more processors to perform the method further comprising:

displaying the payee information on a display; and

receiving a confirmation, related to the request to make the payment to the payee, from an input device, wherein the sending the request to make the payment is performed in response to receiving the confirmation.

11. The machine-readable medium of claim 10, wherein the retrieving and displaying the payee information comprises retrieving and displaying a current amount due to the payee and a due date for the payment.

12. The machine-readable medium of claim 10, wherein the retrieving and displaying the payee information comprises retrieving and displaying a plurality of payments made to the payee.

13. The machine-readable medium of claim 10, wherein the retrieving and displaying the payee information comprises retrieving and displaying at least one payee option, and wherein the plurality of machine-readable instructions, when executed by the one or more processors, are adapted to cause the one or more processors to perform the method further comprising:

receiving at least one payment variable provided through the at least one payee option from the input device; and

calculating an amount of the at least one payment owed to the payee associated with the confirmed payee indicator using the at least one payment variable.

14. The machine-readable medium of claim 10, wherein the plurality of machine-readable instructions, when executed by the one or more processors, are adapted to cause the one or more processors to perform the method further comprising:

determining a current location using a location sensor, wherein the payee information is retrieved from the database using the payee indicator and the current location.

15. The machine-readable medium of claim 9, wherein the plurality of machine-readable instructions, that when executed by the one or more processors, are adapted to cause the one or more processors to analyze the image further comprise a plurality of machine-readable instructions, that when executed by the one or more processors, are adapted to cause the one or more processors to perform the method further comprising:

analyzing the image using the processor and determining that a secondary payer is included in the image; and

calculating the at least one payment owed to the payee associated with the confirmed payee indicator using the secondary payer.

16. The machine-readable medium of claim 15, wherein the plurality of machine-readable instructions, when executed by the one or more processors, are adapted to cause the one or more processors to perform the method further comprising:

sending a reimbursement request to the secondary payer over a network.

17. A payment system using images, comprising:

means for receiving an image;

means for analyzing the image and determining that a payee indicator is included in the image;

means for confirming the payee indicator;

means for retrieving payee information using the payee indicator;

means for calculating at least one payment owed to a payee associated with the confirmed payee indicator subsequent to confirming the payee indicator; and

means for sending a request to make a payment to the payee for the at least one payment owed.

18. The system of claim 17, further comprising:

means for displaying the payee information; and

means for receiving a confirmation related to the request to make the payment to the payee, wherein the sending the request to make the payment is performed in response to receiving the confirmation.

19. The system of claim 17, further comprising:

means for receiving at least one payment variable; and

means for calculating an amount of the at least one payment owed to the payee associated with the confirmed payee indicator using the at least one payment variable.

20. The system of claim 17, further comprising:

means for analyzing the image using the processor and determining that a secondary payer is included in the image; and

means for calculating the at least one payment owed to the payee associate with the confirmed payee indicator using the secondary payer.