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Payment apparatus and method

A technology of payment request and payment amount, which is applied in the direction of payment system, payment system structure, payment involving neutral parties, etc.

Inactive Publication Date: 2015-05-06
IP PAYOVATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It should also be noted that this document generally focuses on the use of card schemes, and thus will be subject to their limitations as described above

Method used

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  • Payment apparatus and method
  • Payment apparatus and method
  • Payment apparatus and method

Examples

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Embodiment Construction

[0327] In general, the present invention provides methods for allowing payments to be made from a payer (eg, customer) to a payee (eg, merchant). The payment will generally be performed as an electronic transaction, with the payer operating the payer site and the payee operating the payee site. The payment processing site will generally be responsible for making the funds transfer. Payment processing sites are typically operated by payment service providers to facilitate payments.

[0328] will now refer to figure 1 The flow chart of the figure describes an example method for making a payment.

[0329] According to step 100, the method typically begins by the payee by causing the payee site to generate a payment request for payment. As will be explained further, payment requests can be generated for many different types of payments desired by the payee. For example, the payee may be a merchant operating an online transaction, and the payment request may be generated in res...

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PUM

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Abstract

A method for performing a payment from a payer to a payee, wherein the method includes receiving a payment request for the payment, the payment request being generated in response to the payee requesting funds from the payer; generating a transaction code and payment details using the payment request, the transaction code being obtained by the payer; receiving the transaction code from the payer; and, in response to receiving the transaction code, providing at least some of the payment details to the payer including a payment amount and an indication of the payee, thereby allowing the payer to authorise the payment.

Description

technical field [0001] The present invention relates to methods and devices for performing payments between a payer and a payee. Background technique [0002] Any prior publications mentioned in this specification (or any information derived from these documents), or any publicly known things, cannot and should not be regarded as approval, approval or any form of advice , rather, it is deemed that a published document (or any information derived from such document), or generally known matter forms part of the common general knowledge in the technical field to which the invention pertains. [0003] Currently, customers are faced with a range of available options for making payments to merchants or individuals. Traditional cash payment is gradually being replaced by electronic payment (including online payment through the network). [0004] Even cash payments may involve some form of electronic transaction, especially if the cash used for the payment is supplied by an automa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06Q20/08G06Q20/38G06Q40/02G06Q30/04
CPCG06Q20/108G06Q20/12G06Q20/325G06Q20/3274G06Q20/3278G06Q20/385G06Q20/4012G06Q20/40145G06Q20/425G06Q40/02G06Q20/023G06Q20/10G06Q20/20G06Q20/3224G06Q20/3276G06Q20/363G06K19/06056G06Q20/322G06Q20/327G06Q20/40
Inventor B·D·班克斯G·A·本韦努蒂
Owner IP PAYOVATION
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