SYSTEM AND METHOD FOR NON-CREDIT CARD BILLERS TO ACCEPT CREDIT CARD PAYMENTS
First Claim
1. A method comprising:
- receiving a payment request message that includes information related to a user and a biller;
determining whether the user is enrolled in a bill pay program;
if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message;
receiving a payment response message; and
generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller.
1 Assignment
0 Petitions
Accused Products
Abstract
One embodiment of the invention is directed to a method comprising, receiving a payment request message that includes information related to a user and a biller, determining whether the user is enrolled in a bill pay program, and if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message. The method further comprises, receiving a payment response message, and generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller.
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Citations
21 Claims
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1. A method comprising:
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receiving a payment request message that includes information related to a user and a biller; determining whether the user is enrolled in a bill pay program; if the user is enrolled in the bill pay program, modifying the payment request message according to user preferences if the user preferences are different than the information in the payment request message; receiving a payment response message; and generating, using a server computer, transaction information based on the payment response message and biller information, wherein the transaction information is combined with existing reporting and billing process information for the biller. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method comprising:
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providing, using a computer apparatus, user information; and providing preferences related to bill payment wherein the user information and preferences related to bill payment can be utilized to pay bills from different merchants. - View Dependent Claims (17, 18, 19, 20, 21)
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Specification