Mobile payment system using barcode capture
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.
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.
2. The mobile device of claim 1 ,
further comprising a second interface for receiving user input from a user;
the memory further storing a stored-user password;
the processor further in communication with the second interface and further programmed to receive an inputted password from the second interface, and to base the sending of the payment transaction request on a comparison of the stored-user password to the inputted password.
3. The mobile device of claim 1 , wherein the processor is further programmed to send the payment transaction request using SMS.
4. The mobile device of claim 1 , wherein the payee identification includes an SMS number and wherein the processor is further programmed to send the payment transaction request to the SMS number using SMS.
5. The mobile device of claim 1 , the payee identification including a bank account number of the payee.
6. The mobile device of claim 2 , the payer payment information including at least one of a bank account number and a credit card number.
7. The mobile device of claim 1 , the processor further programmed to receive a confirmation from the payee that the payment transaction request has been processed.
8. The mobile device of claim 1 , wherein the barcode includes at least one of one-dimensional or two-dimensional symbology.
9. A method, comprising:
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.
10. The method of claim 9 , further comprising receiving a first password from a user interface, and basing the sending of the payment transaction request on a comparison of a stored-user password stored in the local memory to the first password.
11. The method of claim 9 , further comprising sending the payment transaction request using SMS.
12. The method of claim 9 , wherein the payee identification includes an SMS number and further comprising sending the payment transaction request to the SMS number using SMS.
13. The method of claim 9 , the payee identification including a bank account number of the payee.
14. The method of claim 9 , the payer payment information including at least one of a bank account number and a credit card number.
15. The method of claim 9 , further comprising receiving a confirmation from the payee that the payment transaction request has been processed.
16. The method of claim 9 , wherein the barcode includes at least one of one-dimensional or two-dimensional symbology.
17. 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, 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.
18. The mobile device of claim 17 ,
further comprising a second interface for receiving user input from a user;
the memory further storing a stored-user password;
the processor further in communication with the second interface and further programmed to receive an inputted password from the second interface, and to base the sending of the payment transaction request on a comparison of the stored-user password to the inputted password.
19. The mobile device of claim 17 , wherein the processor is further programmed to send the payment transaction request using SMS.
20. The mobile device of claim 17 , the payee identification including a bank account number of the payee.
21. The mobile device of claim 17 , the payer payment information including at least one of a bank account number and a credit card number.
22. The mobile device of claim 17 , the processor further programmed to receive a confirmation from the payee over the first interface that the payment transaction request has been processed.
23. The mobile device of claim 17 , wherein the barcode includes at least one of one-dimensional or two-dimensional symbology.
24. A method, comprising:
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.
25. The method of claim 24 , further comprising receiving a first password from a user interface, and basing the sending of the payment transaction request to the central platform on a comparison of a stored-user password stored in the local memory to the first password.
26. The method of claim 24 , further comprising sending the payment transaction request to the payee using SMS.
27. The method of claim 24 , the payee identification including a bank account number of the payee.
28. The method of claim 24 , the payer payment information including at least one of a bank account number and a credit card number.
29. The method of claim 24 , further comprising receiving a confirmation from the payee that the payment transaction request has been processed.
30. The method of claim 24 , wherein the barcode includes at least one of one-dimensional or two-dimensional symbology.