METHOD AND SYSTEM TO PROCESS (56) References Cited
PAYMENT U S PATENT DOCUMENTS
Inventors: Douglas Schoenberg, Villanova, PA 6,976,077 B 1 * 12/2005 Lehew et al. ............... .. 709/229
(US); “°“ Biedermann’ Cha1f°‘“’ PA 588%/Siiiifii iii I3/588% P1111 at T1 """" " Z32/‘I3
_ ' ase IIIG e 3. . . . . . . . . . . ..
(USA Joshua Gardner’ Wamngton’ PA 2003/0208441 Al * 11/2003 Poplawski et al. ........ .. 705/40
(lis); R°I1ald(D- Igeathermans 2004/0143546 Al * 7/2004 Wood et al. ............... .. 705/40
A iI1gIOI1, PA US 2005/0033690 A1* 2/2005 Antognini et al. . 705/40
2008/0306846 A1* 12/2008 Ferguson ...................... .. 705/34
Notice: Subject to any disclaimer, the term of this * cited by examiner
patent is extended or adjusted under 35 Primary Examineri Samica L Norman
U'S'C' l54(b) by 189 dayS' (74) Attorney, Agent, or Firm 4 Fox Rothschild LLP; Perry
Appl. No.: 12/215,122 M Fonseca
_ (57) ABSTRACT
Flledi Jun‘ 25’ 2008 Provided is a method and system for payment processing,
. . . including emailing a billing statement including an online
Pnor Pubhcatlon Data payment hyperlink to a payer by a biller. The online payment
US 2009/0327126 A1 Dec. 31, 2009 hyperlink includes a payer personalized URL and a token
uniquely identifying the payer. The online payment hyperlink
Int. Cl. is selected by the payer, who is then presented with the biller’ s
G06Q 40/00 (2006.01) online payment form, including pre-populated data fields.
U.S. Cl. .......................................... .. 705/40; 705/34 The bi11er’S Online 19211/II1e-I1t form is reviewed, eempleted and
Field of Classification Search .................. .. 705/34 Corrected by the Payer, and sent to a secure 1°*‘Ym‘“11t form
705/40; 709/229 Server-
See application file for complete search history. 22 Claims, 5 Drawing Sheets
202
START
an
BILLER EMAILS A04
PAYER BILLING
STATEMENT WITH
"PAY ONLINE"
HYPERLINK
206
PAYER SELECTS C
"PAY ONLINE"
HYPERLINK
PAYER '’T0l(EN" 2“
OR/AND OTHER
DATA USED TO
PRE-POPIILATE
BILLER'S CUSTOM
ONLINE PAYMENT
FORM WITH
PAYER DATA
210
PAYER PRESENTED
WITH PRE-POPUIATED
PAYMENT ram
