Internet payment system and method

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9275410
APP PUB NO 20140172645A1
SERIAL NO

14040314

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A system and method for facilitating payment for online purchases is disclosed. The system allows consumers/customers who shop online to select, at the time of checkout, direct payment from an account as the payment option. An electronic bill (ebill), independent of any confidential financial information pertaining to the consumer, is automatically displayed and emailed to the consumer. The consumer pays the ebill at their bank the same way they pay their utility bill, which then results in a payment confirmation sent from the bank to the payee. Payment information from the bank is sent to the system to update the purchase transactions. Once the payment information is processed, the consumer and merchant accounts are balanced and both receive automatic notification of the payment.

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First Claim

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Patent Owner(s)

Patent OwnerAddress
WESTERN UNION FINANCIAL SERVICES INCENGLEWOOD CO

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Forzley, Marwan Ottawa, CA 11 387

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Sep 1, 2027
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00