SYSTEMS AND METHODS FOR BILL PAYMENT WITH IMAGE CAPTURE OF BILL INFORMATION AND FUNDING ACCOUNT

摘要

Systems and methods that receive one or more images and based at least in part on the received images identify information associated with a bill and information associated with a mode of payment and, based at least in part on the information associated with the bill and information associated with the mode of payment, effectuate a financial transaction.

主权项

1. A method, comprising:
receiving, by a computerized payment system comprising one or more computers and on behalf of a payer via a communications network, a first image representing at least a portion of a bill of a biller for the payer; determining, by the computerized payment system, one or more bill data elements associated with the bill based at least in part on the first image; transmitting, by the computerized payment system for presentation to the payer via the communications network, an indication of at least one of the one or more bill data elements; receiving, by the computerized payment system on behalf of the payer via the communications network, at least one of: (i) confirmation of at least one of the one or more bill data elements or (ii) modification of at least one of the one or more bill data elements; identifying, by the computerized payment system and based at least in part on receiving at least one of: (i) confirmation of the at least one of the one or more bill data elements or (ii) modification of at least one of the one or more bill data elements, one or more approved bill data elements; receiving, by the computerized payment system on behalf of the payer via the communications network, a second image representing at least a portion of a payment instrument associated with a financial account of the payer; determining, by the computerized payment system, one or more payment instrument data elements associated with the financial account based at least in part on the second image; transmitting, by the computerized payment system for presentation to the payer via the communications network, an indication of at least one of the one or more payment instrument data elements; receiving, by the computerized payment system on behalf of the payer via the communications network, at least one of: (i) confirmation of the at least one of the one or more payment instrument data elements or (ii) modification of the one or more payment instrument data elements; identifying, by the computerized payment system and based at least in part on receiving at least one of: (i) confirmation of the at least one of the one or more payment instrument data elements or (ii) modification of at least one of the one or more payment instrument data elements, one or more approved payment instrument data elements; and processing, by the computerized payment system, a payment request to pay the biller on behalf of the payer based at least in part on at least one of the one or more approved bill data elements and at least one of the one or more approved payment instrument data elements.