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    • 3. 发明申请
    • QUIDLR
    • US20130018758A1
    • 2013-01-17
    • US13183738
    • 2011-07-15
    • RAGHURAM BALASUBRAMANIANPeachawat PeachavanishPatrick Eger
    • RAGHURAM BALASUBRAMANIANPeachawat PeachavanishPatrick Eger
    • G06Q30/00
    • G06Q30/06G06Q20/3276
    • Embodiments of systems and methods are described. These embodiments may be used to facilitate an electronic payment or request for electronic payment for real-time transactions. In particular, the embodiments comprise a hand-held communication device associated with a payer, an electronic device associated with a payee and an application server associated with an electronic payment transaction application. The hand-held communication device is adaptable to execute the application software that is configured to generate or read a machine readable barcode. The electronic device is also adaptable to execute the application software which is configured to scan or capture the machine readable barcode. The application server is configured to facilitate the electronic payment between the hand-held communication device and the electronic device. The machine readable barcode is generated with a rapidly expiring timestamp which allows the payer and payee to conduct the real-time electronic payment transaction in a secure and cost effective way.
    • 描述了系统和方法的实施例。 这些实施例可以用于促进电子支付或对实时交易的电子支付请求。 具体地,实施例包括与付款人相关联的手持通信设备,与收款人相关联的电子设备以及与电子支付交易应用相关联的应用服务器。 手持通信设备适于执行被配置为生成或读取机器可读条形码的应用软件。 该电子设备还适用于执行被配置为扫描或捕获机器可读条形码的应用软件。 应用服务器被配置为便于手持通信设备和电子设备之间的电子支付。 机器可读条形码生成具有快速到期的时间戳,其允许付款人和收款人以安全和成本有效的方式进行实时电子支付交易。