Mechanism for express enrollment of a user with an online bill payment service

• US 7,716,132 B1
• Filed: 04/11/2006
• Issued: 05/11/2010
• Est. Priority Date: 04/11/2006
• Status: Active Grant

• Current Assignee: Intuit, Inc.
• Original Assignee: Intuit, Inc.
• Inventors: Spies, Wendy, Klieman, Michael, LaSalle, Craig, Brosnahan, Anne
• Primary Examiner(s): Havan; Thu Thao
• Application Number:
  US11/401,983
• Time in Patent Office: 1,491 Days
• Field of Search: 705 42- 43
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system, method, and a computer program product that enrolls a user with a bill payment service without requiring a user to provide account information.

Claims

1. A system for performing express enrollment of a user with a bill payment service, the system comprising:

an account set up module adapted to;

receive a user selection of a financial institution at which the user maintains one or more accounts;

receive the user'"'"'s authentication information for accessing one or more of the user'"'"'s one or more accounts with the selected financial institution;

obtain an address of the financial institution in response to the selection;

send a request to the financial institution for user account information using the address of the financial institution; and

an express bill payment enrollment module adapted to receive the user account information and to enroll the user with the bill payment service using the user account information.

2. The system of claim 1, further comprising a first data file adapted to store an ID of one or more financial institutions and an address of the one or more financial institutions.

3. The system of claim 1, further comprising a second data file adapted to store user account information.

4. The system of claim 1, wherein the bill payment module is further adapted to establish an account for the user with the bill payment service.

5. The system of claim 1, wherein the address of the financial institution includes a URL address.

6. The system of claim 1, wherein the user account information includes an account number and a routing number.

7. A computer program product comprising:

a computer-readable medium having computer program code embodied therein for performing express enrollment of a user with a bill payment service, the computer program code adapted to;

receive a user selection of a financial institution at which the user maintains one or more accounts;

receive the user'"'"'s authentication information for accessing one or more of the user'"'"'s one or more accounts with the selected financial institution;

obtain an address of the financial institution, in response to the selection;

send a request to the financial institution for user account information using the address of the financial institution;

receive from the financial institution user account information; and

enroll the user with the bill payment service using the account information.

8. The computer program product of claim 7, further adapted to establish an account for the user with the bill payment service.

9. The computer program product of claim 7, wherein the address of the financial institution includes a URL address.

10. The computer program product of claim 8, wherein the user account information includes an account number and a routing number.