公开(公告)号：US08533112B1

公开(公告)日：2013-09-10

申请号：US12349577

申请日：2009-01-07

申请人： Surojit Chatterjee ,  Varun Soundararajan

发明人： Surojit Chatterjee ,  Varun Soundararajan

IPC分类号： G06Q40/00

CPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/3255 ,  G06Q20/3274 ,  G06Q40/02

摘要： Systems and methods for providing a mobile telephony infrastructure for transferring electronic payments are provided. A user provides an amount of cash and a mobile telephone number to a distributor who then communicates to a payment processor the telephone number and the amount of cash provided. The payment processor then sends a payment code to the mobile telephone of the user. The user then can show the payment code to a merchant or other payment recipient to provide payment. A merchant can scan or otherwise receive the payment code from the user's mobile telephone, and transmit the code along with the amount of money to be received to the payment processor. The payment processor then credits the merchant's account with the appropriate amount of money, and transmits a new payment code to the user's mobile telephone reflecting the amount of money remaining after the payment to the merchant.

摘要翻译： 提供了用于提供用于传送电子支付的移动电话基础设施的系统和方法。 用户向经销商提供一定数量的现金和移动电话号码，然后经销商向支付处理器通信电话号码和所提供的现金数量。 然后，支付处理器将支付代码发送给用户的移动电话。 用户然后可以向商家或其他支付接收者显示支付代码以提供付款。 商家可以从用户的移动电话扫描或以其他方式接收支付代码，并将代码与要接收的金额一起发送到支付处理器。 然后，付款处理器以适当的金额对该商家的账户进行抵押，并向该用户的移动电话发送一个新的支付代码，以反映在向该商家支付之后剩余的金额。