System and method for electronic bill pay and presentment
First Claim
1. A system for providing an online payment service, comprising:
- at least one server;
an interface to at least one client terminal connected to the server via a communications link;
means for viewing at least one bill online using the at least one client terminal;
means for entering payment data for at least one bill using the at least one client terminal, said payment data comprising information related to a first credit account from which payment may be made; and
means for causing payment to be made on the at least one bill using the at least one client terminal and the at least one server.
6 Assignments
0 Petitions
Accused Products
Abstract
A system and method is disclosed enabling a customer payor to make payment to a payee in a networked environment using a credit card, revolving credit, or other credit account. The payment system may provide for online receipt and review of bills, and may allow a customer payor to optionally select one or more alternative secondary accounts for payment in the event that payment cannot be made from a primary credit account. The secondary account may be another credit account, a checking account, a brokerage account, or another type of account. Actual payment may be accomplished by electronic settlement of a credit transaction, electronic funds transfer, or by printing and physically delivering a paper check. A customer payor using the system and method may receive notification concerning the success or failure of the transaction.
202 Citations
17 Claims
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1. A system for providing an online payment service, comprising:
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at least one server;
an interface to at least one client terminal connected to the server via a communications link;
means for viewing at least one bill online using the at least one client terminal;
means for entering payment data for at least one bill using the at least one client terminal, said payment data comprising information related to a first credit account from which payment may be made; and
means for causing payment to be made on the at least one bill using the at least one client terminal and the at least one server. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for a payor to make a payment online, comprising the steps of:
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a) logging onto a terminal;
b) viewing at least one bill online;
c) entering payment data for payment of at least one bill, said payment data comprising information related to a first credit account from which payment may be made; and
d) causing payment to be made to a payee. - View Dependent Claims (10, 11)
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12. A method for providing an online payment service, comprising the steps of:
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a) presenting bills online to a payor;
b) receiving payment data from a payor, said payment data comprising information pertaining to a first credit account;
c) requesting authorization for a credit transaction; and
d) causing payment to be made from the account of a payor to a payee. - View Dependent Claims (13, 14, 15, 16, 17)
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Specification