Wireless systems and methods for bill payment

1. A computer-implemented electronic payment method, comprising:

receiving, by a server from a wireless communication device, one or more beacon signals of one or more short distance transmitters (SDTs) received by the wireless communication device and global positioning system (GPS) information indicating a location of the wireless communication device;

determining, by the server, a SDT nearest to the wireless communication device based on the one or more beacon signals and GPS information;

determining, by the server, a bill associated with the wireless communication device based on the SDT, each SDT in a plurality of SDTs being associated with a bill, one bill at a time;

determining, by the server, a user account associated with the wireless communication device;

obtaining, by the server from a point of sale (POS) system of a retailer, bill information for the bill, wherein the POS system maintains bill information for a plurality of SDTs;

generating, by the server, a request for user input confirming payment of the bill based on the bill information and payment information associated with the user account maintained by the server, wherein the request causes a graphical user interface (GUI) screen to be displayed on a display of the wireless communication device, the GUI including an element for receiving user input for confirming payment of the bill;

sending, by the server, the request to the wireless communication device;

receiving, by the server, user input confirming payment of the bill from the wireless communication device, the user input indicating a payment amount;

generating, by the server, an electronic payment instruction in response to receiving user input confirming payment of the bill from the wireless communication device, the electronic payment instruction being based on payment information associated with the user account maintained by the server, financial payment information associated with a retailer account associated with the retailer maintained by the server, and the payment amount; and

causing the electronic payment instruction transaction to be performed.

2. The computer-implemented method of claim 1 , wherein the SDTs and one or more beacon signals use micro-location technology.

3. The computer-implemented method of claim 1 , wherein the SDT nearest to the wireless communication device is determined by the server using a triangulation or trilateration process.

4. The computer-implemented method of claim 1 , wherein the one or more beacon signals each include an identifier associated with a respective SDT.

5. The computer-implemented method of claim 1 , wherein the SDT nearest to the wireless communication device is determined by comparing a strength, frequency and/or content of the one or more beacon signals.

6. The computer-implemented method of claim 1 , wherein the SDT nearest to the wireless communication device is determined by identifying the beacon signal having the strongest signal, and determining an identifier of the SDT from the beacon signal having the strongest signal, wherein the SDT nearest to the wireless communication device is determined from the identifier of the SDT having the strongest signal.

7. The computer-implemented method of claim 1 , wherein the SDT nearest to the wireless communication device is determined by the server based on the one or more beacon signals, GPS information and scan data.

8. The computer-implemented method of claim 7 , wherein the scan data comprises a Quick Response (QR) code.

9. The computer-implemented method of claim 1 , wherein causing the electronic payment instruction transaction to be performed comprises:

executing the electronic payment instruction transaction.

10. A non-transitory computer readable storage medium having stored thereon computer-readable and computer-executable instructions, which, when executed by a processor of a server, cause the processor to:

receiver, by the server from a wireless communication device, one or more beacon signals of one or more short distance transmitters (SDTs) received by the wireless communication device and global positioning system (GPS) information indicating a location of the wireless communication device;

determine, by the server, a SDT nearest to the wireless communication device based on the one or more beacon signals and GPS information;

determine, by the server, a bill associated with the wireless communication device based on the SDT, each SDT in a plurality of SDTs being associated with a bill, one bill at a time;

determine, by the server, a user account associated with the wireless communication device;

obtain, by the server from a point of sale (POS) system of a retailer, bill information for the bill, wherein the POS system maintains bill information for a plurality of SDTs;

generate, by the server, a request for user input confirming payment of the bill based on the bill information and payment information associated with the user account maintained by the server, wherein the request causes a graphical user interface (GUI) screen to be displayed on a display of the wireless communication device, the GUI including an element for receiving user input for confirming payment of the bill;

send, by the server, the request to the wireless communication device;

receive, by the server, user input confirming payment of the bill from the wireless communication device, the user input indicating a payment amount;

generate, by the server, an electronic payment instruction in response to receiving user input confirming payment of the bill from the wireless communication device, the electronic payment instruction being based on payment information associated with the user account maintained by the server, financial payment information associated with a retailer account associated with the retailer maintained by the server, and the payment amount; and

cause the electronic payment instruction transaction to be performed.

11. A server, comprising:

a processor configured to:

receiver, by the server from a wireless communication device, one or more beacon signals of one or more short distance transmitters (SDTs) received by the wireless communication device and global positioning system (GPS) information indicating a location of the wireless communication device;

determine, by the server, a SDT nearest to the wireless communication device based on the one or more beacon signals and GPS information;

determine, by the server, a bill associated with the wireless communication device based on the SDT, each SDT in a plurality of SDTs being associated with a bill, one bill at a time;

determine, by the server, a user account associated with the wireless communication device;

obtain, by the server from a point of sale (POS) system of a retailer, bill information for the bill, wherein the POS system maintains bill information for a plurality of SDTs;

generate, by the server, a request for user input confirming payment of the bill based on the bill information and payment information associated with the user account maintained by the server, wherein the request causes a graphical user interface (GUI) screen to be displayed on a display of the wireless communication device, the GUI including an element for receiving user input for confirming payment of the bill;

send, by the server, the request to the wireless communication device;

receive, by the server, user input confirming payment of the bill from the wireless communication device, the user input indicating a payment amount;

generate, by the server, an electronic payment instruction in response to receiving user input confirming payment of the bill from the wireless communication device, the electronic payment instruction being based on payment information associated with the user account maintained by the server, financial payment information associated with a retailer account associated with the retailer maintained by the server, and the payment amount; and

cause the electronic payment instruction transaction to be performed.

12. The computer-implemented method of claim 1 , wherein causing the electronic payment instruction transaction to be performed comprises:

sending the electronic payment instruction to a payment processor for execution.

13. The computer-implemented method of claim 1 , wherein the GUI comprises an element for specifying the payment amount from a plurality of payment options, wherein the plurality of payment options include a portion of a billed amount and an amount of a tip to be added to the billed amount based on the portion of the billed amount to be paid.

14. The computer-implemented method of claim 1 , wherein the SDTs and one or more beacon signals use the iBeacon communication protocol.

15. The computer-implemented method of claim 1 , further comprising:

sending a notification to the retailer confirming payment of the bill.

16. The computer-implemented method of claim 15 , wherein sending the notification to the retailer comprises sending an electronic message to a wireless communication device of a staff person associated with the bill.

17. The non-transitory computer readable storage medium of claim 10 , wherein the GUI comprises an element for specifying the payment amount from a plurality of payment options, wherein the plurality of payment options include a portion of a billed amount and an amount of a tip to be added to the billed amount based on the portion of the billed amount to be paid.

18. The server of claim 11 , wherein the GUI comprises an element for specifying the payment amount from a plurality of payment options, wherein the plurality of payment options include a portion of a billed amount and an amount of a tip to be added to the billed amount based on the portion of the billed amount to be paid.

19. The server of claim 11 , wherein the SDTs and one or more beacon signals use the iBeacon communication protocol.