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SYSTEM AND PROCESS FOR EXPEDITED PAYMENT THROUGH ONLINE BANKING/PAYMENT CHANNEL

  • US 20080015985A1
  • Filed: 07/11/2007
  • Published: 01/17/2008
  • Est. Priority Date: 07/11/2006
  • Status: Abandoned Application
First Claim
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1. A process for expedited payment between a first computer and a biller computer implemented across a network, the first computer comprising any of a customer computer associated with a customer and a bank computer, the process comprising the steps of:

  • receiving at a payment system associated first entity a request sent from the first computer for an expedited payment to a selected biller from a funding account associated with the customer;

    verifying through the payment system that the funding account has sufficient funds available for the requested transaction;

    sending a payment instruction message from the payment system to a vendor computer associated with a vendor service, if the funding account has sufficient funds available for the requested transaction;

    sending payment data from the vendor computer to the biller computer;

    sending a payment message from the vendor computer to the payment system; and

    debiting the funding account for the transaction.

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