Process and device for conducting electronic transactions using wireless and cellular devices

• US 8,527,407 B1
• Filed: 08/20/2011
• Issued: 09/03/2013
• Est. Priority Date: 11/29/1999
• Status: Expired due to Fees

• Current Assignee: Purple Leaf LLC
• Original Assignee: Purple Leaf LLC
• Inventors: Yadav-Ranjan, Rani K.
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US13/214,163
• Time in Patent Office: 745 Days
• Field of Search: 705/27, 705/35, 705/39, 705/40
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00

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.

Claims

1. A method for conducting a transaction based on a request for payment remittance information, comprising:

receiving from a payor, an authorization of at least one payment due on the request for a payment to a payee;

associating in a computer readable memory, the at least one payment with a payment request information;

sending to a wireless computing device at least one payment instruction;

initiating via the wireless computing device the at least one payment of an amount at least in part responsive to the at least one payment instruction; and

wherein the at least one payment has payment remittance information arranged within a computer readable data structure and delivered via the wireless computing device, the data structure comprising one or more data fields to hold data that is responsive to received information from the payee, and wherein said payment remittance information further comprises a structured remittance data, wherein at least part of the payment remittance information is kept hidden from the payee.

2. A method as in claim 1 wherein the payment remittance information further comprises of payor'"'"'s first name where the wireless device is a cellular telephone.

3. A method as in claim 1 wherein said payment remittance information further comprises of payment amount and where the wireless device being a cellular telephone.

4. A method as in claim 1 wherein said payment remittance information further comprises of minimum acceptable payment and where the wireless device being a cellular telephone.

5. A method as in claim 1 wherein said payment remittance information further comprises of payment due date and where the wireless device being a cellular telephone.

6. A method as in claim 1 wherein said payment remittance information further comprises of payor'"'"'s account and where the wireless device being a cellular telephone.

7. A method as in claim 1 wherein said payment remittance information further comprises of payor'"'"'s account number with the payee and where the wireless device being a cellular telephone.

8. A method as in claim 1 wherein said payment remittance information further comprises of account information from which funds are to be paid and where the wireless device being a cellular telephone.

9. A method as in claim 1 wherein said payment remittance information further comprises of at least one unique identifier and where the wireless device being a cellular telephone.

10. A method of executing computer-executable instructions residing on a non-transitory computer readable medium, comprising:

storing a receipt and a payment remittance information in a memory, the payment remittance information comprising at least in part a structured remittance data, a portion of the payment remittance information is not transmitted and therefore kept hidden from a payee;

presenting the receipt to the payee without revealing at least part of said structured remittance data;

accepting from a payor a payment instruction comprising at least an amount to be paid and an account of the payor from which to draw the amount while prohibiting the payor from altering data obtained in the structured remittance data;

associating the payment instructions with the structured remittance data;

communicating the payment instructions from the memory to initiate at least one payment; and

routing a paid amount to the payee.

11. The method of claim 10 further comprising communicating at least one of the receipt and the payment remittance information to at least one intermediary.