SYSTEM AND METHOD FOR FACILITATING CASH-BASED ECOMMERCE TRANSACTIONS

• US 20130226794A1
• Filed: 02/23/2012
• Published: 08/29/2013
• Est. Priority Date: 02/23/2012
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Englebardt, Leland S.
• Application Number:
  US13/403,769
• Publication Number:
  US 20130226794A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

Systems and methods are provided for facilitating alternative payment submissions. According to a one aspect, responsive to a selection by a purchaser that enables receipt of an alternative payment submission in furtherance of a transaction between the purchaser and a vendor, a transaction notification is received, the transaction notification including a payment amount and corresponding to the transaction, a unique identifier is generated, the unique identifier corresponding to the transaction notification, and the unique identifier is provided to a paying party in order to facilitate receipt of the alternative payment submission in furtherance of the transaction. An input of the unique identifier is received at an automated teller machine (ATM), the alternative payment submission is elicited at the ATM, and the vendor is notified of receipt of the alternative payment submission.

Claims

1. A computer-implemented method comprising:

responsive to a selection by a purchaser, at a vendor site and in relation to a transaction between the purchaser and a vendor, of a first payment method in lieu of a second payment method, the first payment method comprising a payment method requiring the purchaser to provide banking information and the second payment method comprising a payment method not requiring the purchaser to provide banking information, receiving, at a central machine, a transaction notification, the transaction notification comprising (a) a payment amount agreed to by the purchaser and (b) a vendor reference identifier, the vendor reference identifier being issued by the vendor in relation to the transaction;

generating, with a processor executing code, a unique identifier, the unique identifier corresponding to the transaction notification;

providing the unique identifier to a paying party;

receiving an input of the unique identifier at an automated teller machine (ATM);

eliciting a payment at the ATM by way of the first payment method; and

notifying the vendor of receipt of the payment;

wherein the transaction comprises a purchase by the purchaser from the vendor of one or more items designated by the vendor as being eligible for purchase by way of the first payment method.

3. The method of claim 1, wherein the first payment submission is cash.

4. The method of claim 1, wherein eliciting a payment comprises receiving a cash submission at the ATM.

5. The method of claim 1, wherein the transaction is contingent upon the receipt of the alternative payment submission within a specified timeframe.

6. The method of claim 5, further comprising:

prior to the eliciting step, verifying receipt of the unique identifier within the specified timeframe.

7. The method of claim 5, further comprising:

refusing the first payment submission based on a determination that the first payment submission was not provided within the specified timeframe.

8. The method of claim 1, further comprising adjusting the payment amount to a whole number amount that is conducive to cash payment.

9. The method of claim 1, wherein the paying party is the purchaser.

10. The method of claim 1, wherein the paying party is a third party.

17. The method of claim 1, wherein the transaction notification does not comprise one or more details of an item purchased by the purchaser.

18. The method of claim 1, wherein the transaction notification does not comprise an identity of the purchaser.

19. The method of claim 1, wherein the transaction notification does not comprise one or more details of the transaction other than (a) the payment amount and (b) the vendor reference identifier.

20. The method of claim 1, wherein the transaction further comprises a purchase by the purchaser from the vendor of one or more items designated by the vendor as being eligible for purchase with a surcharge imposed by the vendor, by way of the first payment method.

2. (canceled)

11. A computer-implemented method comprising:

responsive to a selection by a purchaser in relation to a transaction between the purchaser and a vendor, of a first payment method in lieu of a second payment method, the first payment method comprising a payment method requiring the purchaser to provide banking information and the second payment method comprising a payment method not requiring the purchaser to provide banking information, receiving a transaction notification, the transaction notification comprising (a) a payment amount agreed to by the purchaser and (b) a vendor reference identifier, the vendor reference identifier being issued by the vendor in relation to the transaction;

generating, with a processor executing code, a unique identifier, the unique identifier corresponding to the transaction notification;

associating the unique identifier with a user account in order to facilitate receipt of the alternative payment submission in furtherance of the transaction;

receiving an input of the user account;

eliciting a payment in relation to the unique identifier by way of the first payment method; and

notifying the vendor of receipt of the payment;

wherein the transaction comprises a purchase by the purchaser from the vendor of one or more items designated by the vendor as being eligible for purchase by way of the first payment method.

12. (canceled)

13. A computer-implemented method comprising:

responsive to a selection by a purchaser at a vendor site and in relation to a transaction between the purchaser and a vendor, of a first payment method in lieu of a second payment method, the first payment method comprising a payment method requiring the purchaser to provide banking information and the second payment method comprising a payment method not requiring the purchaser to provide banking information, generating, with a processor executing code, a unique identifier, the unique identifier being generated based on (a) a payment amount agreed to by the purchaser and (b) a vendor reference identifier issued by the vendor in relation the transaction;

providing the unique identifier to a paying party;

receiving an input of the unique identifier at an automated teller machine (ATM);

eliciting a payment at the ATM by way of the first payment method; and

notifying the vendor of receipt of the payment;

wherein the transaction comprises a purchase by the purchaser from the vendor of one or more items designated by the vendor as being eligible for purchase by way of the first payment method.

14. (canceled)

15. (canceled)

16. A system comprising:

one or more processors configured to interact with a computer-readable medium in order to perform operations comprising;

responsive to a selection by a purchaser, at a vendor site and in relation to a transaction between the purchaser and a vendor, of a first payment method in lieu of a second payment method, the first payment method comprising a payment method requiring the purchaser to provide banking information and the second payment method comprising a payment method not requiring the purchaser to provide banking information, receiving a transaction notification, the transaction notification comprising (a) a payment, amount agreed to by the purchaser and (b) a vendor reference identifier, the vendor reference identifier being issued by the vendor in relation to the transaction;

generating a unique identifier, the unique identifier corresponding to the transaction notification;

providing the unique identifier to as paying party;

receiving an input of the unique identifier at an automated teller machine (ATM);

eliciting a payment at the ATM by way of the first payment method; and

notifying the vendor of receipt of the payment;

wherein the transaction comprises a purchase by the purchaser from the vendor of one or more items designated by the vendor as being eligible for purchase by way of the first payment method.