Title:
ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS
Document Type and Number:
WIPO Patent Application WO/2012/027694
Kind Code:
A3
Abstract:
The ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS ("Bill-Pay") transforms user key-entered billing and account inputs and/or barcode reading inputs via Bill-Pay components into bill payment outputs. In one embodiment, a method is disclosed, comprising: receiving a bill payment transaction request from a bill payment third party agent via a bill payment vehicle; obtaining bill information and payer identifying information; verifying the obtained bill information including a payment amount; retrieving payer account information based on the obtained payer identifying information; and transferring an approved amount to a biller's account from the payer account.
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Inventors:
EL-AWADY KHALID (US)
CERVENKA KAREN LOUISE (US)
CERVENKA KAREN LOUISE (US)
Application Number:
PCT/US2011/049393
Publication Date:
March 27, 2014
Filing Date:
August 26, 2011
Export Citation:
Assignee:
VISA INT SERVICE ASS (US)
EL-AWADY KHALID (US)
CERVENKA KAREN LOUISE (US)
EL-AWADY KHALID (US)
CERVENKA KAREN LOUISE (US)
International Classes:
G06Q40/00
Foreign References:
| US20090076953A1 | 2009-03-19 | |||
| US20080172331A1 | 2008-07-17 | |||
| US20020077976A1 | 2002-06-20 | |||
| US20070011025A1 | 2007-01-11 | |||
| US20100042537A1 | 2010-02-18 | |||
| US20100100480A1 | 2010-04-22 | |||
| US20070214078A1 | 2007-09-13 |
Attorney, Agent or Firm:
Hanchuk, Walter, G. (30 Rockefeller PlazaNew York, NY, US)
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