Method and system for online payments
First Claim
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1. A method of payment of bills, the method including the steps of:
- providing a printed bill, the bill having printed thereon;
human-readable information indicative of at least one parameter relating to a requested payment; and
a position-coding pattern comprising a plurality of target elements and coded data indicative of an identity of the bill and of a plurality of locations on the bill, at least some of the position-coding pattern being coincident with the information;
positioning an optically imaging pen operatively relative to the human-readable information, said pen having a nib;
optically imaging target elements and coded data;
calculating a position of the nib; and
generating digital ink in the pen, said digital ink being a sequence of captured pen strokes, each stroke containing data indicative of the identity of the bill and the position of the nib relative to the bill;
sending the digital ink to a computer system such that the computer system can identify the at least one parameter relating to the requested payment and initiate payment of the bill,wherein the position of the nib is calculated using the coded data, a perspective transform and a known spatial relationship between an optical axis of the pen and the nib, and wherein the perspective transform is determined using the imaged target elements which are perspective-distorted due to a tilt of the pen.
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Abstract
Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a computer system. Together, the interface surfaces, sensing device and computer system are capable of effecting payment transactions over a network.
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Citations
33 Claims
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1. A method of payment of bills, the method including the steps of:
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providing a printed bill, the bill having printed thereon;
human-readable information indicative of at least one parameter relating to a requested payment; and
a position-coding pattern comprising a plurality of target elements and coded data indicative of an identity of the bill and of a plurality of locations on the bill, at least some of the position-coding pattern being coincident with the information;positioning an optically imaging pen operatively relative to the human-readable information, said pen having a nib; optically imaging target elements and coded data; calculating a position of the nib; and generating digital ink in the pen, said digital ink being a sequence of captured pen strokes, each stroke containing data indicative of the identity of the bill and the position of the nib relative to the bill; sending the digital ink to a computer system such that the computer system can identify the at least one parameter relating to the requested payment and initiate payment of the bill, wherein the position of the nib is calculated using the coded data, a perspective transform and a known spatial relationship between an optical axis of the pen and the nib, and wherein the perspective transform is determined using the imaged target elements which are perspective-distorted due to a tilt of the pen. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A system for payment of bills, the system including:
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a bill having printed thereon;
human-readable information indicative of at least one parameter relating to a requested payment; and
a position-coding pattern comprising a plurality of target elements and coded data indicative of an identity of the bill and a plurality of locations on the bill, at least some of the position-coding pattern being coincident with the information;an optically imaging pen having a nib, said pen being configured to; image the target elements and the coded data; calculate a position of the nib; and generate digital ink in the pen, said digital ink being a sequence of captured strokes, each stroke containing data indicative of the identity of the bill and the position of the nib relative to the bill; and send the digital ink to a computer system such that the computer system can identify the at least one parameter relating to the requested payment; and a computer system configured and programmed to; receive the digital ink from the optically imaging pen; and identify at least one parameter relating to the requested payment and initiate payment of the bill, wherein the position of the nib is calculated using the coded data, a perspective transform and a known spatial relationship between an optical axis of the pen and the nib, and wherein the perspective transform is determined using the imaged target elements which are perspective-distorted due to a tilt of the pen. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33)
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Specification