ATM/Debit Expedited Bill Payments
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United States of America Patent
Stats
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N/A
Issued Date -
Mar 19, 2009
app pub date -
Sep 18, 2007
filing date -
Sep 18, 2007
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message.
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Family
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Cited Art Landscape
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