ELECTRONIC BILL PAYMENT PROCESSING BASED ON PAYOR SCHEDULED DEBITS
First Claim
Patent Images
1. A system, comprising:
- one or more datastores;
one or more network interfaces;
at least one memory storing computer-executable instructions; and
at least one processor communicatively coupled to the one or more network interfaces and the at least one memory and configured to access the at least one memory and execute the computer-executable instructions to;
receive, via a first at least one network interface of the one or more network interfaces and on behalf of a payor, a request to enroll the payor in payor-scheduled-debit (PSD) payment processing;
direct a second at least one network interface to transmit, for presentation to the payor, information identifying one or more selectable payment parameters for association with an enrollment of the payor in the PSD payment processing;
receive, via a third at least one network interface, one or more payment parameter selections corresponding to the one or more selectable payment parameters, wherein the one or more payment parameter selections comprise information indicative of a debit date for debiting one or more financial accounts associated with the payor;
determine, based at least in part on the one or more payment parameter selections, a set of one or more candidate payees;
direct a fourth at least one network interface to transmit, for presentation to the payor, information identifying the set of one or more candidate payees;
receive, via a fifth at least one network interface and on behalf of the payor, a selection of at least one candidate payee from the set of one or more candidate payees;
generate, based at least in part on the debit date and the selection of the at least one candidate payee, a proposed PSD payment schedule;
direct a sixth at least one network interface to transmit, for presentation to the user, information identifying the proposed PSD payment schedule;
receive, via a seventh at least one network interface, a response indicating approval of the proposed PSD payment schedule; and
generate a PSD payment schedule based at least in part on the proposed PSD payment schedule and responsive to receiving the response indicating approval of the proposed PSD payment schedule, wherein generating the PSD payment schedule comprises storing, by the computerized payment system in at least one datastore of the one or more datastores, information identifying the one or more payment parameter selections in association with an identifier associated with the payor.
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Abstract
Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited.
25 Citations
22 Claims
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1. A system, comprising:
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one or more datastores; one or more network interfaces; at least one memory storing computer-executable instructions; and at least one processor communicatively coupled to the one or more network interfaces and the at least one memory and configured to access the at least one memory and execute the computer-executable instructions to; receive, via a first at least one network interface of the one or more network interfaces and on behalf of a payor, a request to enroll the payor in payor-scheduled-debit (PSD) payment processing; direct a second at least one network interface to transmit, for presentation to the payor, information identifying one or more selectable payment parameters for association with an enrollment of the payor in the PSD payment processing; receive, via a third at least one network interface, one or more payment parameter selections corresponding to the one or more selectable payment parameters, wherein the one or more payment parameter selections comprise information indicative of a debit date for debiting one or more financial accounts associated with the payor; determine, based at least in part on the one or more payment parameter selections, a set of one or more candidate payees; direct a fourth at least one network interface to transmit, for presentation to the payor, information identifying the set of one or more candidate payees; receive, via a fifth at least one network interface and on behalf of the payor, a selection of at least one candidate payee from the set of one or more candidate payees; generate, based at least in part on the debit date and the selection of the at least one candidate payee, a proposed PSD payment schedule; direct a sixth at least one network interface to transmit, for presentation to the user, information identifying the proposed PSD payment schedule; receive, via a seventh at least one network interface, a response indicating approval of the proposed PSD payment schedule; and generate a PSD payment schedule based at least in part on the proposed PSD payment schedule and responsive to receiving the response indicating approval of the proposed PSD payment schedule, wherein generating the PSD payment schedule comprises storing, by the computerized payment system in at least one datastore of the one or more datastores, information identifying the one or more payment parameter selections in association with an identifier associated with the payor. - 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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receiving, by a computerized payment system comprising one or more computers and on behalf of a payor, a request to enroll the payor in payor-scheduled-debit (PSD) payment processing; transmitting, by the computerized payment system for presentation to the payor, information identifying one or more selectable payment parameters for association with an enrollment of the payor in the PSD payment processing; receiving, by the computerized payment system, one or more payment parameter selections corresponding to the one or more selectable payment parameters, wherein the one or more payment parameter selections comprise information indicative of a debit date for debiting one or more financial accounts associated with the payor; determining, by the computerized payment system and based at least in part on the one or more payment parameter selections, a set of one or more candidate payees; transmitting, by the computerized payment system for presentation to the payor, information identifying the set of one or more candidate payees; receiving, by the computerized payment system on behalf of the payor, a selection of at least one candidate payee from the set of one or more candidate payees; generating, by the computerized payment system and based at least in part on the debit date and the selection of the at least one candidate payee, a proposed PSD payment schedule; transmitting, by the computerized payment system for presentation to the user, information identifying the proposed PSD payment schedule; receiving, by the computerized payment system on behalf of the payor, a response indicating approval of the proposed PSD payment schedule; and generating, by the computerized payment system, a PSD payment schedule based at least in part on the proposed PSD payment schedule and responsive to receiving the response indicating approval of the proposed PSD payment schedule, wherein generating the PSD payment schedule comprises storing, by the computerized payment system in at least one datastore, information identifying the one or more payment parameter selections in association with an identifier associated with the payor. - View Dependent Claims (17, 18, 19, 20, 21, 22)
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Specification