Electronic payment system
First Claim
Patent Images
1. A method for facilitating credit transactions, comprising the steps of:
- receiving a request for a credit voucher from a user via said user'"'"'s wireless device;
delivering a transaction code to said user'"'"'s wireless device;
upon payment by said user and reading of said transaction code, delivering a second code to said user'"'"'s wireless device; and
upon scanning the second code and identifying an account in connection with said second code, crediting said account.
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Abstract
An electronic payment system and method facilitates electronic commerce through controlled transfer of identification and value representations to wireless devices. The system includes a payment collection apparatus and a transaction apparatus, and provides for representation of user and transaction information via machine-readable indicia. In one embodiment, the machine-readable indicia is a barcode. The present invention is useful in such example applications as credit transactions, lottery system operations, and mobile top up applications.
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Citations
17 Claims
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1. A method for facilitating credit transactions, comprising the steps of:
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receiving a request for a credit voucher from a user via said user'"'"'s wireless device; delivering a transaction code to said user'"'"'s wireless device; upon payment by said user and reading of said transaction code, delivering a second code to said user'"'"'s wireless device; and upon scanning the second code and identifying an account in connection with said second code, crediting said account.
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2. A method for facilitating credit transactions, comprising the steps of:
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receiving a request for a credit voucher from a user via wireless device; delivering a credit voucher for display on said user'"'"'s wireless device; receiving a deposit payment from said user and information pertaining to said voucher; and crediting an account of said user according to said payment. - View Dependent Claims (3, 4, 5, 6, 7, 8)
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9. A system for facilitating credit transactions, comprising:
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an optical scanning component capable of optically scanning code information, said code information being representative of at least one of;
deposit payment information, account identification information and transaction type information;a transaction apparatus capable of receiving a deposit payment; and a transaction processor for processing said code information, delivering a transaction code to a wireless communications device, and crediting an account corresponding to said account identification information and said deposit payment. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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Specification