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Systems and methods for the payment of customer bills utilizing payment platform of biller

  • US 8,566,240 B2
  • Filed: 08/26/2010
  • Issued: 10/22/2013
  • Est. Priority Date: 01/16/2007
  • Status: Active Grant
First Claim
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1. A computerized method of providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a central processor, the method comprising:

  • receiving at the central processor from the customer;

    value;

    identifying information of the customer; and

    information sufficient to identify the provider and the pre-existing customer account;

    accessing by the central processor a payment platform of the provider;

    determining by the central processor information required by the payment platform of the provider in order to provide payment into the pre-existing customer account utilizing the payment platform of the provider;

    communicating from the central processor to the payment platform of the provider information required by the payment platform of provider in order to provide payment into the pre-existing customer account;

    determining by the central processor if the provider accepts payment via the payment website in the form of value received from the customer;

    upon a determination that the provider does not accept payment via the payment website in the form of value received from the customer, creating, by the central processor, a virtual prepaid debit card number funded with an amount equal to the value to be provided to the payment platform of the provider;

    providing the virtual prepaid debit card number by the central processor to the payment platform of the provider for conveyance of the associated value into the pre-existing customer account.

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