SECURE ELECTRONIC BILLING WITH REAL-TIME FUNDS AVAILABILITY
First Claim
1. A system comprising:
- one or more processors; and
one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform;
receiving, from a first entity, a first request to pay a second entity, the first request comprising (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity;
sending a second request to the second entity based on the first request;
receiving, from the second entity, an invoice for the first entity for the payment amount; and
facilitating a real-time payment transaction from a first account of the first entity at a first financial institution to a second account of the second entity at a second financial institution without transmitting the invoice to the first entity, without receiving an authorization from the first entity to pay the invoice or the payment amount to the second entity after receiving the invoice from the second entity, and based on the preauthorization of the first request.
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Accused Products
Abstract
A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving, from a first entity, a first request to pay a second entity. The first request can include (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity. The acts also can include sending a second request to the second entity based on the first request. The acts additionally can include receiving, from the second entity, an invoice for the first entity for the payment amount. The acts further can include facilitating a real-time payment transaction from a first account of the first entity at a first financial institution to a second account of the second entity at a second financial institution without transmitting the invoice to the first entity, without receiving an authorization from the first entity to pay the invoice or the payment amount to the second entity after receiving the invoice from the second entity, and based on the preauthorization of the first request. Other embodiments are described.
26 Citations
20 Claims
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1. A system comprising:
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one or more processors; and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform; receiving, from a first entity, a first request to pay a second entity, the first request comprising (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity; sending a second request to the second entity based on the first request; receiving, from the second entity, an invoice for the first entity for the payment amount; and facilitating a real-time payment transaction from a first account of the first entity at a first financial institution to a second account of the second entity at a second financial institution without transmitting the invoice to the first entity, without receiving an authorization from the first entity to pay the invoice or the payment amount to the second entity after receiving the invoice from the second entity, and based on the preauthorization of the first request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method being implemented via execution of computer instructions configured to run at one or more processors and configured to be stored at one or more non-transitory computer-readable media, the method comprising:
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receiving, from a first entity, a first request to pay a second entity, the first request comprising (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity; sending a second request to the second entity based on the first request; receiving, from the second entity, an invoice for the first entity for the payment amount; and facilitating a real-time payment transaction from a first account of the first entity at a first financial institution to a second account of the second entity at a second financial institution without transmitting the invoice to the first entity, without receiving an authorization from the first entity to pay the invoice of the payment amount to the second entity after receiving the invoice from the second entity, and based on the preauthorization of the first request. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification