USER INTERFACE FOR MOBILE PAYMENT VIA TRANSFER NETWORK

• US 20140279506A1
• Filed: 03/14/2013
• Published: 09/18/2014
• Est. Priority Date: 03/14/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Gibson, Lisa, Ronca, James G., Zanzot, Mark D., Thomas, Susan Smith, Bridges, Eileen D.
• Application Number:
  US13/804,345
• Publication Number:
  US 20140279506A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for making a mobile payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia from a second apparatus; enable a user to input payment information, wherein the payment information comprises at least one of a payee, a payment amount, or a payment source; transmit the readable indicia and the payment information to a third apparatus.

Claims

1. An apparatus for making a mobile payment via a transfer network, the apparatus comprising:

a memory;

a processor; and

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

receive readable indicia from a second apparatus;

enable a user to input payment information, wherein the payment information comprises at least one of a payee, a payment amount, or a payment source;

transmit the readable indicia and the payment information to a third apparatus.

2. The apparatus of claim 1, wherein the readable indicia is associated with at least one of a quick response (QR) code, near field communication (NFC), biometric information, a bar code, a serial number, an account number, a user identification number, a phone number, a text string, a tax identification number, or an employer identification number (EIN).

3. The apparatus of claim 1, wherein receiving the readable indicia further comprises capturing the readable indicia.

4. The apparatus of claim 1, wherein the apparatus comprises an image capturing component, wherein the image-capturing component comprises at least one of a camera, a scanner, a bar code reader, a mobile device, an automatic teller machine (ATM), or a point of sale device.

5. The apparatus of claim 1, wherein receiving the readable indicia comprises identifying information associated with a transaction, wherein the information comprises at least one of a merchant name, a merchant type, a payee, a transaction location, a transaction date, a payment amount, a memo description, a check number, a card number, an account number, or a routing number.

6. The apparatus of claim 1, wherein receiving the readable indicia triggers presentation of an interface on the apparatus, wherein the user may select at least one of the payee, the payment source, or the payment amount on the interface.

7. The apparatus of claim 1, wherein the module enables the user to split the payment amount into multiple smaller payment amounts.

8. The apparatus of claim 1, wherein the module enables the user to select multiple payment sources.

9. The apparatus of claim 1, wherein the module generates a dynamic list of payees based on a second apparatus'"'"' proximity to the apparatus, wherein the proximity is determined using location information associated with the second apparatus.

11. The apparatus of claim 1, wherein the module automatically generates the payment amount.

12. The apparatus of claim 1, wherein the module enables the user to modify the payment amount, wherein the payment amount comprises at least one of a subtotal, a tax, a tip, or a total.

13. The apparatus of claim 1, wherein the payment source is associated with at least one of a bank account, a customer account, a credit card, a debit card, a checking account, a savings account, a gift card, a check, a cash amount, a credit, a transfer network, or an alias.

14. The apparatus of claim 1, wherein enabling the user to input the payment information requires additional security authentication.

15. The apparatus of claim 1, wherein enabling the user to input the payment information comprises confirming that the payment source comprises at least the payment amount.

16. The apparatus of claim 1, wherein the at least one of the payee, the payee amount, or the payment source comprises the payee, the payment amount, and the payment source.

17. The apparatus of claim 1, wherein the apparatus generates an acknowledgement of payment receipt, wherein the acknowledgement comprises at least one of a text message, an email, a notification, a status update, a digital receipt, or a printed receipt.

18. The apparatus of claim 1, wherein the module transmits the readable indicia and payment information via a transfer network.

10. The apparatus of claim, wherein the module enables the user to select multiple payees.

19. A method for making a mobile payment via a transfer network, the method comprising:

receiving, at a first apparatus, readable indicia from a second apparatus;

enabling a user to input payment information, wherein payment information comprises a payee, a payment amount, and a payment source;

transmitting readable indicia or payment information to a third apparatus.

20. A computer program product for making a mobile payment via a transfer network, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:

receive readable indicia from a second apparatus;

enable a user to input payment information, wherein payment information comprises a payee, a payment amount, and a payment source;

transmit readable indicia or payment information to a third apparatus.