ONLINE BILLPAY ATTACHMENTS
1 Assignment
0 Petitions
Accused Products
Abstract
Apparatus and methods for improving online bill payment processes are provided. Online bill payment typically involves a paying party (“payor”), an intermediary (such as a bank, a billpay service or a billpay network) and a payee. In some embodiments, the apparatus and methods may provide optional file attachments that may be communicated from a payor (initiator) to a payee (recipient). Such attachments might include a signed contract for products or services, a payment stub with descriptive details of the payment, a photo of an item being purchased, or any other document that the payor wishes to send in connection with the payment transaction.
27 Citations
26 Claims
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1-8. -8. (canceled)
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9. A method for providing online billpay information, the billpay information corresponding to a transaction between a payor and a payee, the method comprising:
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receiving an electronic request from the payor, the request requesting that funds be transmitted to the payee; receiving a data object from the payor, the data object being selected by the payor for inclusion in the transaction; storing the data object in a database; providing for the data object a pointer that points from a stored record of the transaction to the data object; receiving from the payor a request for the billpay information; and in response to the request, providing the billpay information to the payor. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18-25. -25. (canceled)
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26. A computer-readable medium storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for providing online billpay information, the billpay information corresponding to a transaction between a payor and a payee, the method comprising:
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receiving an electronic request from the payor, the request requesting that funds be transmitted to the payee; receiving a data object from the payor, the data object being selected by the payor for inclusion in the transaction; storing the data object in a database; providing for the data object a pointer that points from a stored record of the transaction to the data object; receiving from the payor a request for the billpay information; and in response to the request, providing the billpay information to the payor.
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Specification