Method and system for using payment cards as a payment option within an online bill payment and presentment solution
First Claim
1. A system for paying an electronic bill in an electronic bill payment and presentment (“
- EBPP”
) system, the system comprising an exchange hub programmed to;
accept a payment card transaction request from a customer service provider (“
CSP”
);
submit the payment card transaction request to a payment card authorization system;
receive an approval message or a denial message from the payment card authorization system in response to the submission of the payment card transaction request; and
transmit the received approval or denial message to the CSP.
2 Assignments
0 Petitions
Accused Products
Abstract
An exchange hub is provided that is programmed to receive by way of an open, standardized, secure messaging protocol, a payment card transaction request from a consumer'"'"'s CSP. A consumer transmits to an EBPP system a request to pay a bill electronically using a payment card. The consumer'"'"'s payment card transaction request is submitted to the consumer'"'"'s CSP. The payment card transaction request is then submitted to the exchange hub of the EBPP system. The exchange hub parses the payment card transaction request, and generates a payment message to the biller'"'"'s acquiring bank (the “acquirer”). The acquirer generates an authorization request message and transmits it to the issuer of the consumer'"'"'s payment card. The issuer either approves or denies the consumer'"'"'s payment card transaction request, and notifies the acquirer. The acquirer then, in turn, submits and appropriate approval or denial response to the exchange hub of the EBPP system. If the transaction is approved by the acquirer, the acquirer settles with the biller, and the consumer pays the payment card issuer when the consumer is eventually billed for the payment card transaction.
28 Citations
10 Claims
-
1. A system for paying an electronic bill in an electronic bill payment and presentment (“
- EBPP”
) system, the system comprising an exchange hub programmed to;
accept a payment card transaction request from a customer service provider (“
CSP”
);
submit the payment card transaction request to a payment card authorization system;
receive an approval message or a denial message from the payment card authorization system in response to the submission of the payment card transaction request; and
transmit the received approval or denial message to the CSP. - View Dependent Claims (2, 3, 4, 5)
- EBPP”
-
6. A method for paying an electronic bill in an electronic bill payment and presentment (“
- EBPP”
) system, comprising;
accepting at an exchange hub a payment card transaction request from a customer service provider (“
CSP”
);
submitting the payment card transaction request to a payment card authorization system;
receiving an approval message or a denial message from the payment card authorization system in response to the submission of the payment card transaction request; and
transmitting the received approval or denial message to the CSP. - View Dependent Claims (7, 8, 9, 10)
- EBPP”
Specification