System and method to provide a payment

• US 7,627,527 B1
• Filed: 10/29/2007
• Issued: 12/01/2009
• Est. Priority Date: 10/29/2007
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Hildebrand, Marc
• Primary Examiner(s): Felten; Daniel S
• Assistant Examiner(s): Rankins; William E
• Application Number:
  US11/926,518
• Time in Patent Office: 764 Days
• Field of Search: 705/39, 705/40, 715/808, 715/975
• US Class Current: 705/39
• 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
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Various embodiments of the present disclosure are directed to systems and methods to provide a payment. The systems and methods provide techniques to provide customers one-click access to a plurality of websites and to enable customers to provide payments electronically. The provider may store access information for the plurality of websites and provide the access information to the websites at the request of the customer. Additionally, the provider may enable the customers to provide payments from a plurality of different financial accounts electronically.

Claims

1. A system to provide website access, the system comprising at least one subsystem to:

provide a customer access website for a customer to use in making a payment, the customer access website having connections to multiple accounts associated with the customer from multiple payees and wherein each payee has a payee website on which one or more of the multiple accounts can be accessed by the customer;

receive payee website access information from the customer for at least one payee website, the website access information corresponding to a payee website;

store the payee website access information in a database;

receive a request to access one of the payee websites from the customer via the customer website to access the second website;

retrieve the payee website access information from the database;

provide the payee website access information to the payee website in order to allow the customer to access at least a portion of the payee website embedded in the customer website; and

send payment information to the payee website, wherein the payment information is sufficient for a customer to make a payment on the at least a portion of the payee website embedded in the customer website.

2. The system of claim 1, further comprising at least one subsystem to:

use a universal resource locater to deep-dive directly to a requested webpage of the second website.

3. The system of claim 1, further comprising at least one subsystem to:

provide the payee website in a pop-up window.

4. The system of claim 1, wherein the payee website access information comprises information selected from the group consisting of a personal identification number (PIN), a password, an account number, a universal resource locator (URL) address, a login identification, and combinations thereof.

5. The system of claim 1, further comprising at least one subsystem to:

receive customer access website access information from the customer, the customer access website access information corresponding to the customer access website.

6. The system of claim 1, further comprising at least one subsystem to:

receive third website access information from the customer, the third website access information corresponding to a third website;

store the third website access information in the remote database;

receive a request from the customer to access the third website;

retrieve the third website access information from the remote database; and

provide the third website access information to the third website in order to allow the customer to access the third website.

7. The system of claim 1, further comprising:

enabling the customer to pay a bill through the payee website subsequent to logging the customer into the payee website by initiating a transfer from at least one of a plurality of monetary accounts from which the customer has selected to pay the payee.

8. A computer-readable medium comprising computer-readable instructions to provide website access, said computer-readable instructions comprising instructions to:

provide a customer access website for a customer to use in making a payment, the customer access website having connections to multiple accounts associated with the customer from multiple payees and wherein each payee has a payee website on which one or more of the multiple accounts can be accessed by a customer;

receive payee website access information from the customer for at least one payee website, the payee website access information corresponding to a payee website;

store the payee website access information in a database;

receive a request to access one of the payee websites from the customer via the customer website;

retrieve the payee website access information from the database;

provide the payee website access information to the payee website in order to allow the customer to access at least a portion of the payee website embedded in the customer website; and

send payment information to the payee website, wherein the payment information is sufficient for a customer to make a payment on the at least a portion of the payee website embedded in the customer website.

9. The computer-readable medium of claim 8, further comprising computer-readable instructions comprising instructions to:

deep-dive to a requested webpage of the second website.

10. The computer-readable medium of claim 8, further comprising computer-readable instructions comprising instructions to:

provide the payee website in a pop-up window.

11. The computer-readable medium of claim 8, wherein the payee website access information comprises information selected from the group consisting of a personal identification number (PIN), a password, an account number, a universal resource locator (URL) address, a login identification, and combinations thereof.

12. The computer-readable medium of claim 8, further comprising computer-readable instructions comprising instructions to:

receive customer access website access information from the customer, the customer access website access information corresponding to the customer access website.

13. The computer-readable medium of claim 8, further comprising computer-readable instructions comprising instructions to:

receive third website access information from the customer, the third website access information corresponding to a third website;

store the third website access information in the database;

receive a request from the customer to access the third website;

retrieve the third website access information from the database; and

provide the third website access information to the third website in order to allow the customer to access the third website.

14. The computer-readable medium of claim 8, further comprising computer-readable instructions comprising instructions to:

enable the customer to pay a bill through the payee website subsequent to logging the customer into the payee website initiating a transfer from at least one of the plurality of monetary accounts from which the customer has selected to pay the payee.

15. A method to provide website access, the method comprising:

providing a customer access website for a customer to use in making a payment, the customer access website having connections to multiple accounts associated with the customer from multiple payees and wherein each payee has a payee website on which one or more of the multiple accounts can be accessed by a customer;

receiving payee website access information from the customer for at least one payee website, the payee website access information corresponding to a payee website;

storing the payee website access information in a database;

receiving a request to access one of the payee websites from the customer via the customer website;

retrieving the payee website access information from the database;

providing the payee website access information to the payee website in order to allow the customer to access at least a portion of the payee website embedded in the customer website; and

sending payment information to the payee website, wherein the payment information is sufficient for a customer to make a payment on the at least a portion of the payee website embedded in the customer website.

16. The method of claim 15, further comprising:

deep-diving to a requested webpage of the second website.

17. The method of claim 15, further comprising:

providing the payee website in a pop-up window.

18. The method of claim 15, wherein the payee website access information comprises information selected from the group consisting of a personal identification number (PIN), a password, an account number, a universal resource locator (URL) address, a login identification, and combinations thereof.

19. The method of claim 15, further comprising:

receiving customer access website access information from the customer, the customer access website access information corresponding to the customer access website.

20. The method of claim 15, further comprising:

receiving third website access information from the customer, the third website access information corresponding to a third website;

storing the third website access information in the remote database;

receiving a request from the customer to access the third website;

retrieving the third website access information from the remote database; and

providing the third website access information to the third website in order to allow the customer to access the third website.

21. The method of claim 15, further comprising:

enabling the customer to pay a bill through the payee website subsequent to logging the customer into the payee website initiating a transfer from at least one of the plurality of monetary accounts from which the customer has selected to pay the payee.