Patent ID: 8494958

Claim:
A payment processing method comprising: mailing a billing statement to a payer by a biller, the billing statement comprising a Quick Response (QR) code comprising an online payment link comprising a shortened URL personalized to uniquely identify the payer; imaging, using a mobile communication device comprising an electronic circuit, the QR code by the payer; decoding the QR code image by the electronic circuit; forwarding the decoded QR code to a secure payment form server; presenting the payer with the biller's online payment form on said mobile communication device without the payer logging in or preregistering, the online payment form comprising data fields pre-populated with available payer information derived from the personalized shortened URL; reviewing the biller's online payment form by the payer; completing and correcting data in the online payment form as needed by the payer; and sending the completed online payment form to a secure payment form server by the payer.