Process and device for conducting electronic transactions
DCFirst Claim
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1. A method for conducting a transaction using a medium based on a receipt having payment remittance information, comprising:
- enabling a payor to authorize a payment due on the receipt to a payee;
associating, using a processor, the payment with the payment remittance information;
communicating, using the processor, the payment instructions directly to the payee to initiate payment of the amount; and
wherein the payment remittance information is arranged within a data structure, the data structure comprising one or more data fields to hold data that the payor can enter, and the payment remittance information further comprises a structured remittance data that is kept hidden from the payee.
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Abstract
A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for example, a Police Administration Ticket or Police Administration Citation via the Internet.
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Citations
39 Claims
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1. A method for conducting a transaction using a medium based on a receipt having payment remittance information, comprising:
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enabling a payor to authorize a payment due on the receipt to a payee; associating, using a processor, the payment with the payment remittance information; communicating, using the processor, the payment instructions directly to the payee to initiate payment of the amount; and wherein the payment remittance information is arranged within a data structure, the data structure comprising one or more data fields to hold data that the payor can enter, and the payment remittance information further comprises a structured remittance data that is kept hidden from the payee. - View Dependent Claims (2, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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3. A method of executing computer-executable instructions residing on a medium and executed by a processor, comprising:
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storing a receipt and a payment remittance information in a memory, the payment remittance information comprising a structured remittance data that is kept hidden from a payee; presenting the receipt to the payee without revealing the structured remittance data; enabling the payor to specify payment instructions comprising at least an amount to be paid on the receipt and an account at a payor from which to draw the amount while prohibiting the payor from altering data contained in the structured remittance data; associating the payment instructions with the structured remittance data; communicating the payment instructions from the memory directly to the payor to initiate payment of the amount; and routing the amount to a payee.
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20. A device, comprising:
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means for generating a receipt and a payment remittance information; means for enabling a payor to authorize a payment due on the receipt; and means for associating the payment with the payment remittance information; means for communicating the payment instructions directly to the payor to initiate payment of the amount; and wherein the device conducts a transaction using a medium, wherein the payment remittance information is arranged within a data structure, the data structure comprising one or more open data fields to hold data that the payor can enter, and the payment remittance information further comprises a structured remittance data that is kept hidden from the payee. - View Dependent Claims (21, 23, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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22. A device, comprising:
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means for storing a receipt and a payment remittance information, the payment remittance information comprising a structured remittance data that is kept hidden from a payee; means for presenting the receipt to the payee without revealing the structured remittance data; means for enabling the payor to specify payment instructions comprising at least an amount to be paid on the receipt and an account at a payor from which to draw the amount while prohibiting the payor from altering data contained in the structured remittance data;
means for associating the payment instructions with the structured remittance data;means for communicating the payment instructions directly to the payor to initiate payment of the amount; and means for routing the amount to a payee. - View Dependent Claims (24)
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Specification