US Patent 9471913 Method and system for cardless processing of E-invoicing

A method for paying invoices using a mobile device. A retail enterprise (i.e., a seller) generates an invoice for goods or services that a client (i.e., a buyer) has selected. The invoice is stored in a database of a common payment service (CPS) and the invoice number is sent to buyer's mobile phone. The buyer uses his mobile phone to access his bank account via e-commerce 3-D Secure mechanism supported by the bank. The buyer is authenticated based on a procedure used by a particular bank. If the authentication is successful, the CPS initiates a payment for the seller's invoice. The payment information is sent to the buyer's mobile phone and also is sent to the seller for confirmation of closing the transaction.