Patent ID: 9582800
Date: 2017-02-28
CPC Classifications: G06Q

Claim:
1. A system for permitting a user to submit a payment electronically, the system comprising: a network and an electronic device in communication with the network in which the electronic device is operated by the user to submit a request for submitting a payment electronically; a first server in communication with the network in which the first server receives the request and in response communicates an encryption key and process to the electronic device for encrypting financial information provided by the user via the electronic device in which the electronic device encrypts the financial information with the encryption key and process and communicates encrypted financial information to the first server; and a second server in communication with the first server at least some of the time via an Internet connection in which if there is Internet connectivity, the first server communicates the encrypted financial information to the second server and if there is no Internet connectivity, the first server stores the encrypted financial information until there is Internet connectivity; wherein the first server maintains a cumulative total for payment requests submitted by the user and if the user has submitted a payment request that does not cause the cumulative total to exceed a predefined lower maximum, the payment request is accepted and the payment amount is added to the cumulative total, and if the payment request does cause the cumulative total to exceed the predefined lower maximum, the first server checks for Internet connectivity, and if there is Internet connectivity, the first server sends data to the second server for payment authorization, and after receiving payment authorization, the first server resets the cumulative total to zero.