Apparatus and method for bill payment card enrollment
US10970777B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 14, 2009 |
| Grant date | Apr 6, 2021 |
| Priority date | — |
| Expiry date | Dec 12, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/04
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date. An alternative technique using an operator of a payment network is also disclosed, as are corresponding systems.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.