Automatic electronic payments via mobile communication device with imaging system

摘要

A graphical payment identifier is used to facilitate the automatic processing of an electronic payment. A graphical identifier payment system receives a request from a payment processing entity for a onetime use graphical payment identifier. In response, a onetime use graphical payment identifier to be displayed by the payment processing entity is generated. A request for user payment information by the payment processing entity is encoded in the graphical payment identifier, which is transmitted to the payment processing entity for display. The graphical payment identifier being displayed by the payment processing entity is captured by a registered user operated computing device. In response, the requested user payment information is transmitted to the payment processing entity, such that the electronic payment is executed automatically, without the user manually entering the requested payment information or providing a credit card.

主权项

1. A computer implemented method in a payment server for using a graphical payment identifier to automatically process an electronic payment from a user to a receiving party, the method comprising the steps of:
generating a onetime use graphical payment identifier to be displayed by a payment processing entity in order to collect an electronic payment from the user, including encoding a request for payment using electronic payment information from the user by the payment processing entity in the onetime use graphical payment identifier; sending the onetime use graphical payment identifier from the payment server to the payment processing entity for display to the user; receiving a capture of the onetime use graphical payment identifier being received at the payment sever from a registered user-operated computing device; responsive to interpretation of information coded in the capture of the onetime use graphical payment identifier as a request for payment information, transmitting the requested electronic payment information to the payment processing entity, such that the electronic payment from the user to the receiving party is executed automatically, without the user manually entering information and without the user providing a physical credit card.