Patent ID: 8635155
Filing Date: 2014-01-21
Classification: G06F,G06K,G06Q

Abstract:
1. A method, comprising: receiving, from a payer by a payment service provider system comprising one or more computers, an image representing a payment coupon; determining, by the payment service provider system, an identity of a biller associated with the payment coupon utilizing optical character recognition processing on at least one predetermined first location in the image; determining, by the payment service provider system based at least in part upon the identity of the biller, whether stored payment coupon metadata indicating a layout of the payment coupon is available; extracting, by the payment service provider system when the payment coupon metadata is available, data from the image based at least in part on the payment coupon metadata, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined second locations in the image based at least in part on the payment coupon metadata; or executing, by the payment service provider system when payment coupon metadata is not available, a process to (i) receive payer input for facilitating data extraction from the image and (ii) extract the data from the image based at least in part upon received payer input, wherein extracting data from the image comprises performing optical character recognition processing on one or more predetermined second locations in the image based at least in part on the received payer input; and performing, by the payment service provider system based at least in part upon the extracted data, at least one of: (a) processing a payment associated with the payment coupon to the biller; (b) adding the biller to a list of payees for the payer; or (c) activating the biller as an electronic biller for the payer.