Methods and systems for processing a financial transaction
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United States of America Patent
Stats
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Sep 27, 2011
Grant Date -
Feb 5, 2009
app pub date -
Jul 30, 2008
filing date -
Aug 3, 2007
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.
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