Clearing house for processing of payments using coded payment methods

摘要

Embodiments of the invention include systems, methods, and computer-program products for a clearing house for directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using any readable indicia, irrespective of the vendor providing the readable indicia. In some embodiments, the invention may provide merchants or users with readable indicia from one or more readable indicia vendors. In other embodiments, the invention may recognize readable indicia communicated to the system based on the vendor associated with the indicia. As such, the invention provides a clearing house for the directing, such as receiving, translating, and communicating readable indicia between parties of a transaction, such that each party may be able to recognize the readable indicia and complete the transaction.

主权项

1. A clearing house system for processing readable indicia for payment codes, the system comprising:
a memory device with computer-readable program code stored thereon; a communication device; a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to: receive at a clearing house information associated with one or more vendors, wherein the one or more vendors supply or originate vendor-specific readable indicia; receive at the clearing house from the one or more vendors available vendor-specific readable indicia associated with each of the one or more vendors; store at the clearing house the available vendor-specific readable indicia associated with each of the one or more vendors, information about the vendor, and data associated with the available vendor-specific readable indicia such that a vendor associated with each of the available vendor-specific readable indicia is identifiable based on a partial reading of the available vendor-specific readable indicia; based on at least one of the available vendor-specific readable indicia, create a universal readable indicia at the clearing house; provide the universal readable indicia from the clearing house to a user or a merchant for use during a transaction between the user and the merchant; receive at the clearing house an indication of the transaction between the user and the merchant, wherein the universal readable indicia was used during the transaction at a point-of-transaction (POT) of the merchant; match the received universal readable indicia used for the transaction with the stored available vendor-specific readable indicia associated with each of the one or more vendors, wherein matching is based at least in part on the merchant or the user scanning the universal readable indicia; determine the vendor associated with the transaction based on the matching of the received universal readable indicia used for the transaction and the stored available vendor-specific readable indicia associated with each of the one or more vendors; communicate information associated with the scanning of the universal readable indicia to the determined vendor associated with the transaction; and allow for processing of the transaction.