Process and device for conducting electronic transactions
DCFirst Claim
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1. An article of manufacture for conducting a transaction based on a receipt having payment remittance information, the article of manufacture comprising a non-transitory computer-readable medium encoded with computer-executable instructions for execution by a processor to perform the steps of:
- enabling a payor to authorize a payment due on the receipt to a payee;
associating the payment with the payment remittance information;
communicating the payment remittance information 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
20 Claims
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1. An article of manufacture for conducting a transaction based on a receipt having payment remittance information, the article of manufacture comprising a non-transitory computer-readable medium encoded with computer-executable instructions for execution by a processor to perform the steps of:
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enabling a payor to authorize a payment due on the receipt to a payee; associating the payment with the payment remittance information; communicating the payment remittance information 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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2. 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 an entity; presenting the receipt to the entity without revealing the structured remittance data; enabling the entity 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 entity 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 to the payor to initiate payment of the amount; and
routing the amount to a payee.
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3. A device, comprising:
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a corporate database of a payee that generates a receipt and a payment remittance information, wherein the corporate database enables a payor to authorize a payment due on the receipt and associates the payment with the payment remittance information; a communication medium over which the device conducts a transaction; and wherein the payment remittance information is arranged within a data structure according to a prescribed format, 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 (4, 5, 6, 7)
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8. A device, comprising:
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a corporate database of a payee that stores a receipt and a payment remittance information, the payment remittance information comprising a structured remittance data that is kept hidden from the payee, wherein the corporate database presents the receipt to a payee without revealing the structured remittance data; the corporate database 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 and wherein the corporate database also associates the payment instructions with the structured remittance data; a computer for; (i) communicating the payment instructions to the payor to initiate payment of the amount; and (ii) routing the amount to a payee. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification