DIRECT BILL PAYMENT APPARATUSES, METHODS AND SYSTEMS

• US 20110264582A1
• Filed: 03/24/2011
• Published: 10/27/2011
• Est. Priority Date: 03/24/2010
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kim, James, Sachs, Jeffrey Morris
• Application Number:
  US13/071,072
• Publication Number:
  US 20110264582A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

The DIRECT BILL PAYMENT APPARATUSES, METHODS AND SYSTEMS (“DBP”) transform location-specific providers search queries via DBP components into automated recurring bill notifications and payments. In one embodiment, the DBP obtains an indication to execute a pre-recorded web navigation automation script for user bill payment. The DBP parses the obtained indication to identify a user and a bill associated with the user, and accesses a pre-recorded web navigation automation script for payment of the bill associated with the identified user. The DBP executes an automated web navigation action based on the pre-recorded web navigation automation script. In some implementations, the DBP parses the pre-recorded web navigation script and identifies a command included in the pre-recorded web navigation automation script. The DBP executes the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.

Claims

1. An automated bill payment processor-implemented method, comprising:

obtaining an indication to execute a pre-recorded web navigation automation script for user bill payment;

parsing the obtained indication to identify a user and a bill associated with the user;

accessing from a database a pre-recorded web navigation automation script for payment of the bill associated with the identified user; and

executing an automated web navigation action based on the pre-recorded web navigation automation script.

2. The method of claim 1, further comprising:

parsing the pre-recorded web navigation script;

identifying a command included in the pre-recorded web navigation automation script; and

executing the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.

3. The method of claim 1, wherein the indication to execute the pre-recoded web navigation script is obtained from a user device.

4. The method of claim 2, further comprising:

obtaining a bill due date corresponding to the bill associated with the pre-recorded web navigation automation script;

comparing a current date with the obtained bill due date;

determining that a bill payment needs to be made based on comparing the bill due date with the current date; and

generating the indication to execute the pre-recorded web navigation automation script for user bill payment.

5. The method of claim 1, further comprising:

obtaining a bill due date corresponding to a bill associated with the pre-recorded web navigation automation script;

comparing a current date with the obtained bill due date;

determining that a bill payment needs to be made based on comparing the bill due date with the current date; and

providing an alert notification indicating the bill due date corresponding to the bill associated with the pre-recorded web navigation automation script.

6. The method of claim 1, further comprising:

generating a payment receipt notification after completion of user bill payment using the pre-recorded web navigation automation script; and

providing the generated payment receipt notification.

7. The method of claim 1, further comprising:

accessing user payment card data from a database; and

utilizing the user payment card data to complete user bill payment using the pore-recorded web navigation automation script.

8. The method of claim 7, wherein the user payment card data comprises data on a user payment card selected from a virtual wallet.

9. An automated bill payment system, comprising:

a processor; and

a memory disposed in communication with the processor and storing processor-executable instructions to;

obtain an indication to execute a pre-recorded web navigation automation script for user bill payment;

parse the obtained indication to identify a user and a bill associated with the user;

access from a database a pre-recorded web navigation automation script for payment of the bill associated with the identified user; and

execute an automated web navigation action based on the pre-recorded web navigation automation script.

10. The system of claim 9, the memory further storing instructions to:

parse the pre-recorded web navigation script;

identify a command included in the pre-recorded web navigation automation script; and

execute the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.

11. The system of claim 9, wherein the indication to execute the pre-recoded web navigation script is obtained from a user device.

12. The system of claim 10, the memory further storing instructions to:

obtain a bill due date corresponding to the bill associated with the pre-recorded web navigation automation script;

compare a current date with the obtained bill due date;

determine that a bill payment needs to be made based on comparing the bill due date with the current date; and

generate the indication to execute the pre-recorded web navigation automation script for user bill payment.

13. The system of claim 9, the memory further storing instructions to:

obtain a bill due date corresponding to a bill associated with the pre-recorded web navigation automation script;

compare a current date with the obtained bill due date;

determine that a bill payment needs to be made based on comparing the bill due date with the current date; and

provide an alert notification indicating the bill due date corresponding to the bill associated with the pre-recorded web navigation automation script.

14. The system of claim 9, the memory further storing instructions to:

generate a payment receipt notification after completion of user bill payment using the pre-recorded web navigation automation script; and

provide the generated payment receipt notification.

15. The system of claim 9, the memory further storing instructions to:

access user payment card data from a database; and

utilize the user payment card data to complete user bill payment using the pore-recorded web navigation automation script.

16. The system of claim 15, wherein the user payment card data comprises data on a user payment card selected from a virtual wallet.

17. A processor-readable tangible medium storing processor-executable automated bill payment instructions to:

obtain an indication to execute a pre-recorded web navigation automation script for user bill payment;

parse the obtained indication to identify a user and a bill associated with the user;

access from a database a pre-recorded web navigation automation script for payment of the bill associated with the identified user; and

execute an automated web navigation action based on the pre-recorded web navigation automation script.

18. The medium of claim 17, further storing instructions to:

parse the pre-recorded web navigation script;

identify a command included in the pre-recorded web navigation automation script; and

execute the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.

19. The medium of claim 17, wherein the indication to execute the pre-recoded web navigation script is obtained from a user device.

20. The medium of claim 18, further storing instructions to:

obtain a bill due date corresponding to the bill associated with the pre-recorded web navigation automation script;

compare a current date with the obtained bill due date;

determine that a bill payment needs to be made based on comparing the bill due date with the current date; and

generate the indication to execute the pre-recorded web navigation automation script for user bill payment.

21. The medium of claim 17, further storing instructions to:

obtain a bill due date corresponding to a bill associated with the pre-recorded web navigation automation script;

compare a current date with the obtained bill due date;

determine that a bill payment needs to be made based on comparing the bill due date with the current date; and

provide an alert notification indicating the bill due date corresponding to the bill associated with the pre-recorded web navigation automation script.

22. The medium of claim 17, further storing instructions to:

generate a payment receipt notification after completion of user bill payment using the pre-recorded web navigation automation script; and

provide the generated payment receipt notification.

23. The medium of claim 17, further storing instructions to:

access user payment card data from a database; and

utilize the user payment card data to complete user bill payment using the pore-recorded web navigation automation script.

24. The medium of claim 23, wherein the user payment card data comprises data on a user payment card selected from a virtual wallet.

25. An automated bill payment means, comprising:

obtaining an indication to execute a pre-recorded web navigation automation script for user bill payment;

parsing the obtained indication to identify a user and a bill associated with the user;

accessing from a database a pre-recorded web navigation automation script for payment of the bill associated with the identified user; and

executing an automated web navigation action based on the pre-recorded web navigation automation script.

26. The means of claim 25, further comprising:

parsing the pre-recorded web navigation script;

identifying a command included in the pre-recorded web navigation automation script; and

executing the automated web navigation action according to the identified command included in the pre-recorded web navigation automation script.

27. The means of claim 25, wherein the indication to execute the pre-recoded web navigation script is obtained from a user device.

28. The means of claim 26, further comprising:

means for obtaining a bill due date corresponding to the bill associated with the pre-recorded web navigation automation script;

means for comparing a current date with the obtained bill due date;

means for determining that a bill payment needs to be made based on comparing the bill due date with the current date; and

means for generating the indication to execute the pre-recorded web navigation automation script for user bill payment.

29. The means of claim 25, further comprising:

means for obtaining a bill due date corresponding to a bill associated with the pre-recorded web navigation automation script;

means for comparing a current date with the obtained bill due date;

means for determining that a bill payment needs to be made based on comparing the bill due date with the current date; and

means for providing an alert notification indicating the bill due date corresponding to the bill associated with the pre-recorded web navigation automation script.

30. The means of claim 25, further comprising:

means for generating a payment receipt notification after completion of user bill payment using the pre-recorded web navigation automation script; and

means for providing the generated payment receipt notification.

31. The means of claim 25, further comprising:

means for accessing user payment card data from a database; and

means for utilizing the user payment card data to complete user bill payment using the pore-recorded web navigation automation script.

32. The means of claim 31, wherein the user payment card data comprises data on a user payment card selected from a virtual wallet.