APPARATUS AND METHOD FOR BILL PAYMENT CARD ENROLLMENT

摘要

A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account The offering is carried out via a mechanism of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer A request to pay the bill using the payment card account is received via the mechanism Payment of the bill is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system The message includes a flag indicating non-financial card payment message, an identification of the biller, a card number, and an expiration date of the payment card account The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.