System and method for electronic bill pay and presentment
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United States of America Patent
Stats
-
Aug 12, 2014
Grant Date -
Aug 12, 2004
app pub date -
Mar 23, 2001
filing date -
Jan 30, 2001
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A system and method is disclosed enabling a customer payor to make payment to a payee in a networked environment using a credit card, revolving credit, or other credit account. The payment system may provide for online receipt and review of bills, and may allow a customer payor to optionally select one or more alternative secondary accounts for payment in the event that payment cannot be made from a primary credit account. The secondary account may be another credit account, a checking account, a brokerage account, or another type of account. Actual payment may be accomplished by electronic settlement of a credit transaction, electronic funds transfer, or by printing and physically delivering a paper check. A customer payor using the system and method may receive notification concerning the success or failure of the transaction.
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