WO2002061536A3 - System and method for electronic bill pay and presentment - Google Patents

System and method for electronic bill pay and presentment Download PDF

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Publication number
WO2002061536A3
WO2002061536A3 PCT/US2002/002526 US0202526W WO02061536A3 WO 2002061536 A3 WO2002061536 A3 WO 2002061536A3 US 0202526 W US0202526 W US 0202526W WO 02061536 A3 WO02061536 A3 WO 02061536A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
payment
credit
transaction
payor
Prior art date
Application number
PCT/US2002/002526
Other languages
French (fr)
Other versions
WO2002061536A2 (en
Inventor
Karen L Brown
Lisa Kim Manarky
Original Assignee
First Usa Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Usa Bank Na filed Critical First Usa Bank Na
Priority to AU2002234275A priority Critical patent/AU2002234275A1/en
Publication of WO2002061536A2 publication Critical patent/WO2002061536A2/en
Publication of WO2002061536A3 publication Critical patent/WO2002061536A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing

Abstract

A system and method is disclosed enabling a customer payor to make payment to a payee (220) in a networked environment using a credit card, revolving credit, or other credit account (304). The payment system may provide for online receipt and review of bills, and may allow a customer payor to optionally select one or more alternative secondary accounts for payment in the event that payment cannot be made from a primary account (306). The secondary account may be another credit account, a checking account, a brokerage account, or another type of account (314). Actual payment may be accomplished by electronic settlement of a credit transaction, electronic funds transfer, or by printing and physically delivering a paper check (310). A customer payor using the system and method may receive notification concerning the success (312) or failure of the transaction (318).
PCT/US2002/002526 2001-01-30 2002-01-30 System and method for electronic bill pay and presentment WO2002061536A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002234275A AU2002234275A1 (en) 2001-01-30 2002-01-30 System and method for electronic bill pay and presentment

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US26468101P 2001-01-30 2001-01-30
US60/264,681 2001-01-30
US09/814,783 2001-03-23
US09/814,783 US8805739B2 (en) 2001-01-30 2001-03-23 System and method for electronic bill pay and presentment

Publications (2)

Publication Number Publication Date
WO2002061536A2 WO2002061536A2 (en) 2002-08-08
WO2002061536A3 true WO2002061536A3 (en) 2002-11-14

Family

ID=26950697

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/002526 WO2002061536A2 (en) 2001-01-30 2002-01-30 System and method for electronic bill pay and presentment

Country Status (3)

Country Link
US (2) US8805739B2 (en)
AU (1) AU2002234275A1 (en)
WO (1) WO2002061536A2 (en)

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