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Check metaphor for electronic payment authorization

  • US 7,933,826 B2
  • Filed: 06/28/2001
  • Issued: 04/26/2011
  • Est. Priority Date: 03/03/1998
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • receiving billing information associated with a bill;

    calculating, by a network computing device, a payment date for the bill that pre-dates a due date for the bill that is included in the received billing information, the calculation based at least in part on a lead time associated with a remittance method for paying the bill on or before the due date, wherein the calculated payment date reflects when the payment must be made to ensure the avoidance of a late charge;

    transmitting, by the network computing device, a presentation including a payment indicator and a pre-populated payment request, wherein the pre-populated payment request includes the calculated payment date as a pre-populated payment date;

    receiving a selection of the payment indicator; and

    responsive to receiving the selection of the payment indicator, directing payment of the bill on behalf of a payor.

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