专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

1. 发明申请

US20090204522A1 BAR CODED BILL PAYMENT SYSTEM AND METHOD 审中-公开
标题翻译： BAR编码付款系统和方法
公开(公告)号：US20090204522A1
公开(公告)日：2009-08-13
申请号：US12371547
申请日：2009-02-13
申请人： John Meyer , Lou Krouse
发明人： John Meyer , Lou Krouse
IPC分类号： G06Q20/00 , G06Q40/00 , G06Q30/00 , G06K19/06
CPC分类号： G06Q20/102 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/14 , G06Q20/385 , G06Q30/04 , G06Q40/00
摘要： A system and method for payment is provided, wherein consumers pay their bills at supermarkets, large retail chain, or other stores and receive immediate credit from billers for their payments. Payments are made using a bar code printed on the bill or sent to the consumer, e.g. by fax or email. The biller receives good payment funds, deposited directly into his bank account, and error-free electronic payment data for consumer bill payments by the very next business day. The biller backdates the received bill payments to the time and date the consumer actually paid, regardless of the time that the payment data takes to post to the biller's accounts receivable system. In another aspect, a method for person-to-person money transfers is provided, wherein a bar coded deposit slip, card, or other printout permits a sender to remit funds directly into a receiver's bank account, and such funds are quickly accessible for withdrawal at a nearby automated teller machine, or for a debit card purchase.
摘要翻译：提供了一种支付系统和方法，其中消费者在超级市场，大型零售连锁店或其他商店支付账单，并从账单中立即获得其支付的贷款。付款是使用打印在帐单上的条形码或发送给消费者的，例如通过传真或电子邮件。该账单将在下一个工作日收到付款资金，直接存入其银行帐户，并提供无差错的电子支付数据，用于支付消费者账单。帐单者将收到的帐单付款退回到消费者实际支付的时间和日期，而不管付款数据发送到账单应收账款系统的时间。在另一方面，提供了一种用于个人到个人货币转移的方法，其中条形码存款单，卡或其他打印输出允许发送者将资金直接汇入接收者的银行账户，并且这些资金可以快速访问用于提款在附近的自动取款机，或借记卡购买。

2. 发明授权

US06993507B2 Bar coded bill payment system and method 失效
公开(公告)号：US06993507B2
公开(公告)日：2006-01-31
申请号：US09737011
申请日：2000-12-14
申请人： John Meyer , Lou Krouse
发明人： John Meyer , Lou Krouse
IPC分类号： G06F17/60
CPC分类号： G06Q20/102 , G06Q20/04 , G06Q20/042 , G06Q20/10 , G06Q20/14 , G06Q20/385 , G06Q30/04 , G06Q40/00
摘要： A bill payment system consistent with the invention comprises a biller generating at least one invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at least the customer and the biller, and a scanning apparatus configured to scan the bar code and, based on the identifying data of the bar code, to effect payment to the biller in a predetermined amount. In method form, a bill payment method consistent with the invention comprises: generating an invoice for at least one customer, said invoice comprising a unique bar code, said bar code comprising data identifying at least said customer and said biller; and permitting a third party to scan said bar code and, based on the identifying data of said bar code, to effect payment to said biller in a predetermined amount. In another embodiment, a bill payment network consistent with the invention comprises a plurality of billers, each biller generating an invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at least the customer and the biller, and a plurality of third parties in communication with the billers, each third party capable of scanning the bar code and, based on the identifying data of the bar code, effecting payment to the biller in a predetermined amount.

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式