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Method and system for on-line payments

  • US 20020016769A1
  • Filed: 07/11/2001
  • Published: 02/07/2002
  • Est. Priority Date: 07/11/2000
  • Status: Active Grant
First Claim
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1. A method for making on-line payments, comprising:

  • receiving enrollment information from a user for an on-line payments service;

    receiving the user'"'"'s designation of a source account for withdrawing funds for the on-line payments;

    providing a transaction account for the user as a money deposit account with an account number that the user can use as a source and a destination of funds and with at least one of a plurality of service levels;

    allowing the user to have funds reside in the transaction account; and

    allowing the user to use the funds residing in the transaction account for at least one of making an on-line payment with funds in the transaction account, making an on-line purchase with funds in the transaction account, making an offline purchase with funds in the transaction account, making a cash withdrawal with funds in the transaction account, making a credit card account payment with funds in the transaction account, making a bill payment with funds in the transaction account, and making an international payment with funds in the transaction account.

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