Title:
PUSH PAYMENT SYSTEM AND METHOD INCLUDING BILLING FILE EXCHANGE
Document Type and Number:
WIPO Patent Application WO/2010/091238
Kind Code:
A3
Abstract:
Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment processing network can coordinate with a non-bank acquirer to settle the bill payment with the biller. The liability for the transaction may fall on the issuer, who may be responsible for all parties fulfilling the transaction. The non-bank acquirer may coordinate among the various parties, but may not have liability for fulfillment of the transaction. The non-bank acquirer can deposit funds for the bill payment in a biller bank, and accounts receivable data can be sent to the biller for reconciliation of the bill.
Inventors:
LAWRENCE KIMBERLY (US)
PATTERSON BARBARA (US)
PATTERSON BARBARA (US)
Application Number:
PCT/US2010/023299
Publication Date:
November 18, 2010
Filing Date:
February 05, 2010
Export Citation:
Assignee:
VISA INT SERVICE ASS (US)
LAWRENCE KIMBERLY (US)
PATTERSON BARBARA (US)
LAWRENCE KIMBERLY (US)
PATTERSON BARBARA (US)
International Classes:
G06Q40/00
Foreign References:
| US20060080243A1 | 2006-04-13 | |||
| KR20010056244A | 2001-07-04 | |||
| US20010037295A1 | 2001-11-01 | |||
| KR20050000643A | 2005-01-06 |
Attorney, Agent or Firm:
PYONIN, Adam J. et al. (Two Embarcadero Center 8th Floo, San Francisco California, US)
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