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US 10,475,016 B2Granted
Bill payment system and method
AssigneeGelliner Limited
InventorMartin Paul Moshal
Life of this patent
Estimating the term…
Abstract
A system and method to use quick response (QR) codes encoded with a bill from a merchant, such as, for example, provided by a restaurant. A code scanner (106) can scan a QR code that encodes a merchant identification code that identifies a merchant. A user can select a payment instrument on the code scanner for paying the bill. The code scanner can transmit to an application server (102) data pertaining to the payment instrument. The code scanner can receive from the application server status data indicating whether the bill was successfully or unsuccessfully paid.
Claims20
A method performed by a mobile wireless communication device, the method comprising:
- scanning, via a scanner of the mobile wireless communication device, a non-textual image that encodes a merchant identification code corresponding to (i) a merchant and (ii) a merchant template;
- decoding the non-textual image to recover the merchant identification code;
- sending, to an application server, a request for a template corresponding to the merchant, wherein the request includes the merchant identification code recovered from decoding the non-textual image;
- capturing an image of text of a bill from the merchant;
- receiving, from the application server, the merchant template, wherein the merchant template associates (i) a bill identification code data field with a first location within the image of text and (ii) an amount due data field with a second location within the image of text;
- performing optical character recognition to identify the text of the bill;
- using the merchant template to determine (i) that a first portion of the text that appears at the first location is a bill identification code and (ii) that a second portion of the text that appears at the second location is an amount due;
- and
- sending, to the application server, the bill identification code, the amount due, and information identifying a payment instrument, thereby initiating payment of the amount due by the payment instrument.
6 more elements
A non-transitory computer readable medium storing instructions that, when executed by a mobile wireless communication device, cause the mobile wireless communication device to perform functions comprising:
- scanning, via a scanner of the mobile wireless communication device, a non-textual image that encodes a merchant identification code corresponding to (i) a merchant and (ii) a merchant template;
- decoding the non-textual image to recover the merchant identification code;
- sending, to an application server, a request for a template corresponding to the merchant, wherein the request includes the merchant identification code recovered from decoding the non-textual image;
- capturing an image of text of a bill from the merchant;
- receiving, from the application server, the merchant template, wherein the merchant template associates (i) a bill identification code data field with a first location within the image of text and (ii) an amount due data field with a second location within the image of text;
- performing optical character recognition to identify the text of the bill;
- using the merchant template to determine (i) that a first portion of the text that appears at the first location is a bill identification code and (ii) that a second portion of the text that appears at the second location is an amount due;
- and
- sending, to the application server, the bill identification code, the amount due, and information identifying a payment instrument, thereby initiating payment of the amount due by the payment instrument.
6 more elements
A mobile wireless communication device comprising:
- a processor;
- and
- a non-transitory computer readable medium storing instructions that, when executed by the processor, cause the mobile wireless communication device to perform functions comprising:
- scanning, via a scanner of the mobile wireless communication device, a non-textual image that encodes a merchant identification code corresponding to (i) a merchant and (ii) a merchant template;
- decoding the non-textual image to recover the merchant identification code;
- sending, to an application server, a request for a template corresponding to the merchant, wherein the request includes the merchant identification code recovered from decoding the non-textual image;
- capturing an image of text of a bill from the merchant;
- receiving, from the application server, the merchant template, wherein the merchant template associates (i) a bill identification code data field with a first location within the image of text and (ii) an amount due data field with a second location within the image of text;
- performing optical character recognition to identify the text of the bill;
- using the merchant template to determine (i) that a first portion of the text that appears at the first location is a bill identification code and (ii) that a second portion of the text that appears at the second location is an amount due;
- and
- sending, to the application server, the bill identification code, the amount due, and information identifying a payment instrument, thereby initiating payment of the amount due by the payment instrument.
9 more elements
Dependencies are inferred from the claim text.