Payment System
AssigneePayNearMe, Inc.
InventorStephen Capps
Life of this patent
Estimating the term…
Abstract
Disclosed herein are systems and methods to facilitate bill payments with a service provider system by: generating a unique token; providing the unique token to a user; receiving an indication from a retail location that the unique token was used on a first user device in conjunction with a payment associated with the unique token at a point-of-sale; marking the first user device as associated with the first unique token; providing active payment information to the first user device; receiving a request for payment information from a second user device; and providing inactive payment information to the second user device.
Claims18
A method for facilitating bill payment comprising the steps of:
- generating with a processor of a payment processor system a unique token;
- providing with a communications interface of the payment processor system the unique token to a user;
- receiving with the communications interface of the payment processor system an indication from a retail location that the unique token was used on a first user device in conjunction with a payment associated with the unique token at a point-of-sale;
- marking with the processor and communications interface of the payment processor system the first user device as associated with the first unique token;
- providing with the communications interface of the payment processor system active payment information to the first user device;
- receiving with the communications interface of the payment processor system a request for payment information from a second user device;
- and
- providing with the communications interface of the payment processor system inactive payment information to the second user device.
A method for facilitating bill payment comprising the steps of:
- requesting with a communications interface of a payment processor system destination information from a user for active payment information;
- receiving with the communications interface of the payment processor system destination information from the user for the active payment information;
- providing with a processor and the communications interface of the payment processor system a unique token to a user;
- receiving with the communications interface of the payment processor system an indication from a retail location that the unique token was used on a first user device in conjunction with payment associated with the unique token at a point-of-sale;
- sending with the communications interface of the payment processor system the active payment information to a destination designated by the destination information from the user;
- receiving with the communications interface of the payment processor system a request for payment information from the second user device;
- and
- providing with the processor and the communications interface of the payment processor system inactive payment information to the second user device.
A payment processor system comprising:
- a processor configured to generate a unique token;
- a communications interface configured to transmit the unique token to a user and configured to receive an indication from a retail location that the unique token was used on a first user device in conjunction with a payment associated with the unique token at a point-of-sale;
- wherein, the processor and communications interface are configured to mark the first user device as associated with the first unique token;
- the communications interface is configured to transmit the active payment information to the first user device, receive a request for payment information from a second user device, and provide inactive payment information to the second user device.
Dependencies are inferred from the claim text.