Cash-Based Check System
AssigneePayNearMe, Inc.
InventorStephen Capps
Life of this patent
Estimating the term…
Abstract
Disclosed herein are systems and methods to facilitate bill payment with a service provider system by: receiving a request from a payor to pay a bill; receiving destination information for a payee for the bill; generating a token associated with the bill and destination information; storing the token and the associated destination information; transmitting the token to the payor; receiving a confirmation that the payor presented the token with a payment at a retail location remote from the payee; generating a payment instrument for the bill based on the indication of payment; and transmitting the payment instrument to the payee at a location designated by the destination information.
Claims19
A method for facilitating bill payment comprising the steps of:
- receiving with a communications interface of a service provider system a request from a payor to pay a bill;
- receiving with the communications interface destination information for a payee for the bill;
- generating with a processor of the service provider system a token associated with the bill and destination information;
- storing in memory of the service provider system the token and the associated destination information;
- transmitting with the communications interface the token to the payor;
- receiving with the communications interface a confirmation that the payor presented the token with a payment at a retail location remote from the payee;
- generating with the processor a payment instrument for the bill based on the indication of payment;
- and
- transmitting with the communications interface the payment instrument to the payee at a location designated by the destination information.
A method for a service provider system to facilitate bill payments comprising:
- receiving with a communications interface of the service provider system a request to pay a bill from a customer;
- receiving with the communications interface destination information for a payee for the bill;
- generating with a processor of the service provider system a payment code associated with the customer and the bill;
- transmitting with the communications interface the payment code to the customer;
- receiving with the communications interface a request from a retail location to handle a payment based on the payment code;
- transmitting with the communications interface a final amount for payment to the retail location based on the payment code;
- receiving with the communications interface an indication of payment at the retail location for the bill based on the payment code;
- generating with the processor a payment instrument to the payee for the bill based on the indication of payment;
- and
- transmitting with the communications interface the payment instrument to the payee at a location determined by the destination information.
Dependencies are inferred from the claim text.