| PayScan America, Inc. Patent applications |
| Patent application number | Title | Published |
|---|
| 20120136777 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition. | 05-31-2012 |
| 20110233285 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - A monetary transaction system consistent with the present disclosure comprises a mechanism allowing a biller to generate at least one invoice for at least one customer, where the invoice contains a unique bar code, comprising data identifying at least the customer and the biller, and a scanning apparatus and associated components, for use by a third party, configured both to scan the bar code and, based on the identifying data of the bar code, to effect payment to the biller in a predetermined or customer-specified amount. In method form, a bill payment method consistent with the disclosure comprises: generating a biller invoice for at least one customer, said invoice containing a unique bar code, said bar code comprising data identifying at least said customer and said biller; and enabling a third party to scan and process said bar code and, based on the identifying data of said bar code, to effect payment to said biller in a predetermined or customer-specified amount. In another embodiment, a bill payment system consistent with the disclosure comprises mechanisms allowing a plurality of billers to generate bar coded invoices, with each biller generating an invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at least the customer and the biller, and networked mechanisms allowing a plurality of third parties, in communication with said billers, to scan and process a given bar code and, based on the identifying data of said bar code, to effect payment to its associated biller in a predetermined or customer-specified amount. | 09-29-2011 |
| 20090204530 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition. | 08-13-2009 |
| 20090204522 | BAR CODED BILL PAYMENT SYSTEM AND METHOD - A system and method for payment is provided, wherein consumers pay their bills at supermarkets, large retail chain, or other stores and receive immediate credit from billers for their payments. Payments are made using a bar code printed on the bill or sent to the consumer, e.g. by fax or email. The biller receives good payment funds, deposited directly into his bank account, and error-free electronic payment data for consumer bill payments by the very next business day. The biller backdates the received bill payments to the time and date the consumer actually paid, regardless of the time that the payment data takes to post to the biller's accounts receivable system. In another aspect, a method for person-to-person money transfers is provided, wherein a bar coded deposit slip, card, or other printout permits a sender to remit funds directly into a receiver's bank account, and such funds are quickly accessible for withdrawal at a nearby automated teller machine, or for a debit card purchase. | 08-13-2009 |
| 20090108080 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - A monetary transaction system consistent with the present disclosure comprises a mechanism allowing a biller to generate at least one invoice for at least one customer, where the invoice contains a unique bar code, comprising data identifying at least the customer and the biller, and a scanning apparatus and associated components, for use by a third party, configured both to scan the bar code and, based on the identifying data of the bar code, to effect payment to the biller in a predetermined or customer-specified amount. In method form, a bill payment method consistent with the disclosure comprises: generating a biller invoice for at least one customer, said invoice containing a unique bar code, said bar code comprising data identifying at least said customer and said biller; and enabling a third party to scan and process said bar code and, based on the identifying data of said bar code, to effect payment to said biller in a predetermined or customer-specified amount. In another embodiment, a bill payment system consistent with the disclosure comprises mechanisms allowing a plurality of billers to generate bar coded invoices, with each biller generating an invoice for at least one customer, the invoice comprising a unique bar code comprising data identifying at least the customer and the biller, and networked mechanisms allowing a plurality of third parties, in communication with said billers, to scan and process a given bar code and, based on the identifying data of said bar code, to effect payment to its associated biller in a predetermined or customer-specified amount. | 04-30-2009 |
