Multiple Payments at One Click

• US 20110022516A1
• Filed: 07/25/2009
• Published: 01/27/2011
• Est. Priority Date: 07/25/2009
• Status: Abandoned Application

• Current Assignee: Hong Gao, Jie Tang
• Original Assignee: Hong Gao, Jie Tang
• Inventors: Tan, Jie, Gao, Hong
• Application Number:
  US12/509,456
• Publication Number:
  US 20110022516A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments

Abstract

A 1-click method for executing an expedited payment package of paying multiple bills right away through Internet. A user logs into an online bill pay account in a server system from a client system, and receives a web document specifying all bills including a 1-click-pay button. The user prepares a payment package of multiple bills, including a plurality of the identifications of the receiver, bill details, schedule definitions, and delivery details. After selection of 1-click-pay button performed by the user, the client system sends the payment package and a request to execute. Server system collectively processes bill payments the same day or right away according to the payment package and its settings but overriding the previously defined schedule for individual bill.

Claims

1. An one-click method for executing a bill payment package through the Internet, comprising the actions of:

defining a payment package on a user interface, including plurality of payees with an option of including plurality of payers;

displaying said payment package with an option to modify said payment package by a user, and an one-click execution button; and

in response to a single button click on said one-click execution button, executing said payment package all at once, overriding any previously defined individual schedules.

2. The method of claim 1 wherein the user is not the payer.

3. The method of claim 1, wherein the user is identified with a user identifier.

4. The method of claim 1, further comprising the action of storing said payment package on a server system.

5. The method of claim 1, further comprising the action of storing the information in connection with the execution of the payment package.

6. The method of claim 1, wherein said payees are imported from multiple individual bill payments.

7. The method of claim 1, wherein said displaying shows an option to pay each individual payee separately and on a different time schedule.

8. The method of claim 1, wherein said defining action has an option to define plurality of payment packages.

9. The server system of claim 1, wherein the displaying includes displaying an HTML or XML or any type of web document provided by a server system.

10. A client system for executing a payment package, comprising:

a browser displaying a payment package containing plurality of payees and;

a predefined single-action instructing component that in response to performance of only a single action, sends a request to a server system, the request including an identifier of a payer and said payment package.

11. The client system of claim 10 wherein the predefined single-action is the one clicking of a mouse button, or one depressing of a key on a keyboard.

12. The client system of claim 10, wherein the single action feature can be enabled or disabled.

13. The client system of claim 10, wherein the single action feature specifies the date or time or frequencies of dates a payment package needs to be processed.

14. The client system of claim 10, wherein said request can be canceled within a pre-defined period of time.

15. A server system for executing a payment package, comprising:

a receiving component for receiving a request for committing a payment package containing plurality of payees, a request including an identifier of one user and the payment package; and

a fulfillment component that completes plurality of transactions targeting said plurality of payees immediately according to the payment package setting.

16. The server system of claim 15, wherein the request is sent by a client system in response to only a single action being performed.

17. The server system of claim 16, wherein the client system and server system communicate through the Internet.

18. The server system of claim 15, wherein the request has an identifier of at least one payer and at least one payment package.

19. The server system of claim 15, wherein said payment package is stored in the server system for inquires.

20. The sever system of claim 15, wherein sail fulfillment component checks to see if said plurality of transactions had been executed on that day, if said plurality of transactions had been performed, the component exits without performing and sends a reminder message.