Merchant bill pay

US8700527B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Mark C. Dolphin · Lincoln, US
• David M. Grigg · Rock Hill, US
• Michael W. Upton · Charlotte, US
• Darrell F. Stanfield · York, US
• Darrell Johnsrud · Loveland, US

Key dates

• Filing date: Jan 1, 2012
• Grant date: Apr 15, 2014
• Expiry date: Mar 15, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/385
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient.