método para emitir uma fatura e receber pagamento, rede de processamento de pagamento, método realizado por um primeiro dispositivo de acesso, e por um primeiro telefone, meio legível por computador, dispositivo de acesso, e, telefone

摘要

A phone containing a data bearing medium and a method of using that phone to allow a Payee to request payment from a Payor is disclosed. The data bearing medium contains instructions to direct the phone to enable the Payee to issue an invoice in electronic form detailing the payment request to the Payor. The phone further allows the Payor to pay the invoice using a suitable payment means, such as a credit card, without requiring any infrastructure investment on the part of the Payee. Finally, the phone does not require that the Payee receive funds from the Payor in a specific account. The phone allows the Payee to receive their funds in any account specified by the Payee.