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US 2009/0265252 A1Published application
Money pooling with electronic invoice
OwnerCharles Dale Fletcherinventor
Life of this patent
Estimating the term…
Abstract
An electronic invoice is associated with a transaction code. The electronic invoice may be provided by a merchant. The transaction code may be generated by a payment processing system. Two or more consumers may retrieve the electronic invoice using the transaction code. Based on the electronic invoice, the consumers may use the payment processing system to pay the merchant.
Claims27
A system comprising:
- a payment system associated with a payment facilitator;
- a merchant system associated with a merchant and coupled to the payment system, the merchant system configured to transmit an electronic invoice to the payment system and to receive a transaction code associated with the electronic invoice from the payment system;
- and
- two or more consumer systems coupled to the payment system, the two or more consumer systems associated with consumers of the merchant and configured to transmit the transaction code to the payment system and to receive the electronic invoice from the payment system, wherein the payment system, the merchant system and the two or more consumer systems are communicatively coupled to a network.
1 more element
A method, comprising:
- generating an electronic invoice associated with a transaction;
- transmitting the electronic invoice to a payment system;
- receiving a transaction code associated with the electronic invoice from the payment system;
- transmitting the transaction code to two or more consumer systems for payment;
- and
- receiving the payment via the payment system, wherein the payment is formed by pooling multiple sub-payments associated with the two or more computer systems.
3 more elements
A method, comprising:
- receiving an electronic invoice from a merchant system;
- transmitting the electronic invoice to two or more consumer systems;
- and
- receiving two or more payment authorizations from the two or more consumer systems, wherein the two or more payment authorizations are to cover at least a portion of the electronic invoice.
1 more element
A method, comprising:
- establishing a communication session with a payment system;
- transmitting a transaction code to the payment system;
- receiving an electronic invoice associated with the transaction code from the payment system, the electronic invoice previously received by the payment system from a merchant system;
- and
- transmitting a payment authorization to the payment system to cover at least a portion of the electronic invoice.
2 more elements
A payment user interface, comprising:
- a first frame to display information related to an electronic invoice;
- a second frame to display a transaction code associated with the electronic invoice;
- a third frame to receive payment information related to the electronic invoice, wherein the payment information covers at least a portion of the electronic invoice;
- and
- a fourth frame to enable transmitting payment authorization using the payment information received in the third frame.
2 more elements
A machine-readable medium comprising instructions, which when implemented by one or more processors perform the following operations:
- receiving an electronic invoice from a merchant system, the electronic invoice associated with a transaction between the merchant and a first consumer and a second consumer;
- generating a transaction code associated with the electronic invoice;
- transmitting the transaction code to the merchant system;
- transmitting the electronic invoice to a first consumer system associated with the first consumer and to a second consumer system associated with the second consumer;
- receiving authorization from the first consumer system to pay a first portion of the electronic invoice;
- and
- receiving authorization from the second consumer system to pay a second portion of the electronic invoice.
4 more elements
Dependencies are inferred from the claim text.