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EFFECTING PAYMENTS USING OPTICAL COUPLING

  • US 20130317835A1
  • Filed: 05/28/2012
  • Published: 11/28/2013
  • Est. Priority Date: 05/28/2012
  • Status: Abandoned Application
First Claim
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1. A method comprising:

  • receiving, in a network-based clearinghouse, a merchant receipt memorializing the sale of one or more goods or services and including a unique claim number and a payload with a description and an itemized price for each of the one or more goods or services;

    associating, in the clearinghouse, the unique claim number with the merchant receipt;

    providing, by the clearinghouse, the unique claim number to the merchant for;

    encoding into an optical code which, when decoded, provides a connection to an electronic representation of the merchant receipt, and presenting the optical code to one or more customer;

    receiving, by the clearinghouse, payment authorization by the one or more customer of at least one of the one or more goods or services through the interface, wherein payment authorization is by way of the one or more customer interacting with the electronic representation of the merchant receipt,automatically updating, in the clearinghouse, any remaining goods or services from the merchant receipt that still need to be paid; and

    sending to the merchant, by the clearinghouse, the description and price for the remaining items that still need to be paid.

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