Mobile payment system using barcode capture
First Claim
Patent Images
1. A mobile device, comprising:
- a memory storing a payer payment identification;
a scanning device for scanning a barcode encoded with (a) an amount due and (b) a payee identification identifying a payee;
a first interface for communicating over a wireless network; and
a processor in communication with the memory, the scanning device, and the first interface, programmed to;
populate a payment transaction request including the amount due and the payer payment identification; and
send the payment transaction request over the first interface to the payee identified by the payee identification.
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Accused Products
Abstract
The present invention proposes to streamline the process by replacing most of the manual entry and mobile navigation through a mobile client application that will allow the user to [a] capture a barcode using a camera phone or any other camera-equipped communicating device such as a PDA with a camera attachment or a internet connected computer with a web-cam and [b] automatically send—or prepare the transmission of—the relevant information to the vendor directly or through the usage of a centralized platform.
163 Citations
30 Claims
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1. A mobile device, comprising:
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a memory storing a payer payment identification; a scanning device for scanning a barcode encoded with (a) an amount due and (b) a payee identification identifying a payee; a first interface for communicating over a wireless network; and a processor in communication with the memory, the scanning device, and the first interface, programmed to; populate a payment transaction request including the amount due and the payer payment identification; and send the payment transaction request over the first interface to the payee identified by the payee identification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method, comprising:
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scanning a barcode encoded with (a) an amount due and (b) a payee identification identifying a payee using a scanning device; reading a payer payment identification from a local memory; populating a payment transaction request including the amount due and the payer payment identification; and sending the payment transaction request over a wireless interface to the payee identified by the payee identification. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A mobile device, comprising:
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a memory storing a payer payment identification; a scanning device for scanning a barcode encoded with (a) an amount due and (b) a payee identification identifying a payee; a first interface for communicating over a wireless network; and a processor in communication with the memory, the scanning device, and the first interface, programmed to; populate a payment transaction request including the amount due, the payer payment identification, and the payee identification; send the payment transaction request over the first interface to a central platform; receive additional information from the central platform for processing the payment transaction over the first interface; and send the payment transaction request over the first interface to the payee using the additional information. - View Dependent Claims (18, 19, 20, 21, 22, 23)
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24. A method, comprising:
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scanning a barcode encoded with (a) an amount due and (b) a payee identification identifying a payee using a scanning device; reading a payer payment identification from a local memory; populating a payment transaction request including the amount due, the payer payment identification, and the payee identification; sending the payment transaction request over a wireless interface to a central platform; receiving additional information for processing the payment transaction from the central platform over the wireless interface; and sending the payment transaction request over the wireless interface to the payee using the additional information received from the central platform. - View Dependent Claims (25, 26, 27, 28, 29, 30)
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Specification