×

METHODS, DEVICES AND BANK COMPUTERS FOR CONSUMERS USING COMMUNICATORS TO WIRE FUNDS TO SELLERS AND VENDING MACHINES

  • US 20130254046A1
  • Filed: 05/20/2013
  • Published: 09/26/2013
  • Est. Priority Date: 01/25/2000
  • Status: Active Grant
First Claim
Patent Images

1. A method for a vendor to collect payment from a buyer, the method comprising:

  • receiving a communications device of the buyer at a point of sale device;

    providing, with the point of sale device, at least one first electronic signal indicative of a payment amount to the communications device, wherein the communications device is configured to communicate with a first financial institution;

    providing, with the point of sale device, at least one second electronic signal indicative of an identity of a second financial institution to the communications device, wherein the communications device is further configured to instruct the first financial institution to communicate with the second financial institution; and

    receiving an electronic payment confirmation at the point of sale device from the communications device, wherein the electronic payment confirmation was generated by the second financial institution and provided to the communications device from the first financial institution.

View all claims
  • 2 Assignments
Timeline View
Assignment View
    ×
    ×