READABLE INDICIA FOR A PAYMENT CLAIM

• US 20140025574A1
• Filed: 07/20/2012
• Published: 01/23/2014
• Est. Priority Date: 07/20/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Grossman, Glenn, Calman, Matthew A., Thomas, Susan Smith, Bertanzetti, Peter John
• Application Number:
  US13/554,108
• Publication Number:
  US 20140025574A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.

Claims

1. An apparatus for processing readable indicia for a payment claim associated with a merchant, the apparatus comprising:

a memory;

a processor; and

a computing module stored in the memory, executable by the processor, and configured to;

receive information associated with readable indicia associated with a payment claim;

receive authentication credentials associated with the payment claim; and

process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.

2. The apparatus of claim 1, wherein the readable indicia comprises a Quick Response (QR) code.

3. The apparatus of claim 1, wherein the readable indicia is comprised in a tag that transmits information wirelessly.

4. The apparatus of claim 1, wherein the merchant is an insurance entity.

5. The apparatus of claim 1, wherein the apparatus comprises a portable mobile communication apparatus that comprises an image-capturing component, and wherein an image of the readable indicia is captured by the portable mobile communication apparatus.

6. The apparatus of claim 5, wherein the processing occurs either inside or outside the portable mobile communication apparatus.

7. The apparatus of claim 5, wherein the authentication credentials are input by a user of the portable mobile communication apparatus.

8. The apparatus of claim 1, wherein the readable indicia comprises at least one of electronic readable indicia or physical readable indicia.

9. The apparatus of claim 8, wherein when the readable indicia comprises electronic readable indicia, the electronic readable indicia is generated dynamically based on user input.

10. The apparatus of claim 1, wherein the authentication credentials are first authentication credentials, and wherein second authentication credentials are comprised in the readable indicia.

11. The apparatus of claim 10, wherein the module is further configured to:

extract the second authentication credentials from the readable indicia; and

determine whether the first authentication credentials match the second authentication credentials.

12. The apparatus of claim 1, wherein the module is configured to:

determine whether the authentication credentials match second authentication credentials accessed by the apparatus.

13. The apparatus of claim 1, wherein the module is further configured to initiate an authentication prompt for receiving the authentication credentials in response to receiving the information associated with the readable indicia.

14. The apparatus of claim 1, wherein the module is further configured to:

extract a link from the readable indicia; and

initiate a user interface associated with the link.

15. The apparatus of claim 1, wherein the module is further configured to:

initiate issuance of the payment associated with the payment claim to an account or an alias.

16. The apparatus of claim 1, wherein the payment claim was previously submitted by a user to the merchant.

17. The apparatus of claim 15, wherein the payment is issued as an electronic stored value card.

18. A method for processing readable indicia for a payment claim, the method comprising:

receiving information associated with readable indicia associated with a payment claim;

receiving authentication credentials associated with the payment claim; and

processing the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.

19. A computer program product for processing readable indicia for a payment claim, the computer program product comprising:

a non-transitory computer-readable medium comprising a set of codes for causing a computer to;

receive information associated with readable indicia associated with a payment claim;

receive authentication credentials associated with the payment claim; and

process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim.