发明名称 |
Electronic bill pay system |
摘要 |
A method for electronically paying a bill is described in which a bill pay order is forwarded to a first processor. The bill pay order includes information identifying a biller, an amount owed, and a consumer-biller account number. The method determines whether the consumer has sufficient funds to cover the amount owed, and compares the information identifying the biller to a local biller file to determine a biller financial institution identification number for a financial institution designated to receive funds for the biller. A payment message is then generated which includes information identifying the biller, the amount owed, the consumer-biller account number, and the biller financial institution identification number. The payment message is then forwarded to a network if the consumer has sufficient funds. The payment message is routed to the appropriate biller financial institution over the network using the biller financial institution identification number.
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申请公布号 |
US6032133(A) |
申请公布日期 |
2000.02.29 |
申请号 |
US19950552586 |
申请日期 |
1995.11.03 |
申请人 |
VISAINTERNATIONAL SERVICE ASSOCIATION |
发明人 |
HILT, JAMES J.;HODGES, RON;PARDUE, STEPHEN W.;POWAR, WILLIAM L. |
分类号 |
G06Q20/00;G06Q30/00;G06Q40/00;(IPC1-7):G06F17/60 |
主分类号 |
G06Q20/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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