Provided is a method and system for payment processing, including emailing a billing statement including an online payment hyperlink to a payer by a biller. The online payment hyperlink includes a payer personalized URL and a token uniquely identifying the payer. The online payment hyperlink is selected...http://www.google.de/patents/US8069115?utm_source=gb-gplus-sharePatent US8069115 - Method and system to process payment