Process and device for conducting electronic transactions

• US 8,027,913 B1
• Filed: 10/08/2009
• Issued: 09/27/2011
• Est. Priority Date: 11/29/1999
• Status: Expired due to Fees

• Current Assignee: Purple Leaf LLC
• Original Assignee: Rani Yadav-Ranjan
• Inventors: Yadav-Ranjan, Rani
• Primary Examiner(s): HAMILTON, LALITA M
• Application Number:
  US12/576,147
• Time in Patent Office: 719 Days
• Field of Search: 705/35, 705/38
• US Class Current: 705/38
• 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. 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.

2. A method of executing computer-executable instructions residing on a medium and executed by a processor, comprising:

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.

3. A device, comprising:

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.

4. The device of claim 3, wherein the payment instructions further comprises at least an amount and an account at the payor from which to draw the amount.

5. The device of claim 3, wherein the communication medium communicates the receipt and the payment remittance information to at least an intermediary.

6. The device of claim 3, wherein the receipt is selected from the group consisting of a traffic ticket, a citation, a utility bill, a court ticket, a court warrant, hospital receipt, a rental receipt, a property tax receipt, a property transfer tax receipt, a business permits receipt, a business license receipt, a business license renewal receipt, an administrative citation receipt, a facility rental receipt, a class sign-up receipt, a building permit receipt, a planning permit receipt, an airport use receipt, a roads and highway receipt, a fire department receipt, a waste disposal receipt, a recycling waste bill, a marriage license receipt, a birth certificate receipt, a death certificate receipt, a lien receipt, a passport application receipt, a passport renewal receipt, a visa application receipt, a visa renewal receipt, a land development maps receipt, an United States Geological Service Maps Division receipt, an Internal Revenue Service receipt, a State Tax Board receipt, a Driver'"'"'s license renewal receipt, a Vehicle License tags renewal receipt, a car insurance receipt, an electric bill, a phone bill, a gas bill, a water receipt, a business tax receipt and a parking ticket.

7. The device of claim 3, wherein the device is selected from the group consisting of a computer, a cellular telephone, a portal, a network, Internet, smart cards, a wireless access device, smart crystals, hand-held display screens, fiber optics, digital optical readers, digital print readers, a broadband network, a DVD-ROM, a CD-RW, a telecommunication line cord, a bio-crystal network, bar codes, Secure Sockets Layer, Hyper text Socket Layer, data crystals, artificial intelligence, and laser scanners.

8. A device, comprising:

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.

9. The device of claim 8, wherein the computer communicates the receipt and the payment remittance information to at least an intermediary.

10. The device of claim 8, wherein the receipt is selected from the group consisting of a traffic ticket, a citation, a utility bill, a court ticket, a court warrant, hospital receipt, a rental receipt, a property tax receipt, a property transfer tax receipt, a business permits receipt, a business license receipt, a business license renewal receipt, an administrative citation receipt, a facility rental receipt, a class sign-up receipt, a building permit receipt, a planning permit receipt, an airport use receipt, a roads and highway receipt, a fire department receipt, a waste disposal receipt, a recycling waste bill, a marriage license receipt, a birth certificate receipt, a death certificate receipt, a lien receipt, a passport application receipt, a passport renewal receipt, a visa application receipt, a visa renewal receipt, a land development maps receipt, an United States Geological Service Maps Division receipt, an Internal Revenue Service receipt, a State Tax Board receipt, a Driver'"'"'s license renewal receipt, a Vehicle License tags renewal receipt, a car insurance receipt, an electric bill, a phone bill, a gas bill, a water receipt, a business tax receipt and a parking ticket.

11. The device of claim 8, wherein the payor is selected from the group consisting of a bank, a user and a credit card facility.

12. The device of claim 8, wherein the payee is selected from the group consisting of an intermediary, a government agency, a government department, a business, a citizen and a collection agency.

13. The device of claim 8, wherein the payment instructions further comprises a payment date.

14. The device of claim 8, wherein the payment instructions further comprises a designation of the payee.

15. The device of claim 8, wherein the computer submits the payment instructions to an account clearing house payment system or a credit card processing system.

16. The device of claim 8, wherein the receipt further comprises non-billing information.

17. The device of claim 8, wherein the computer encrypts the receipt and the payment instructions.

18. The device of claim 8, wherein the computer digitally signs the receipt.

19. The device of claim 8, wherein the computer authenticates the receipt.

20. The device of claim 8, wherein the device is selected from the group consisting of a computer, a cellular telephone, a portal, a network, Internet, smart cards, a wireless access device, smart crystals, hand-held display screens, fiber optics, digital optical readers, digital print readers, a broadband network, a DVD-ROM, a CD-RW, a telecommunication line cord, a bio-crystal network, bar codes, Secure Sockets Layer, Hyper text Socket Layer, data crystals, artificial intelligence, and laser scanners.