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55 results about "Electronic bill payment" patented technology

Electronic bill payment is a feature of online, mobile and telephone banking, similar in its effect to a giro, allowing a customer of a financial institution to transfer money from their transaction or credit card account to a creditor or vendor such as a public utility, department store or an individual to be credited against a specific account. These payments are typically executed electronically as a direct deposit through a national payment system, operated by the banks or in conjunction with the government. Payment is typically initiated by the payer but can also be set up as a direct debit.

Electronic billing with updateable electronic bill summary

InactiveUS7392223B1Easily implemented using computer softwareEasy programmingComplete banking machinesFinanceTelecommunicationsMobile station
An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to transmit information relevant to an amount of an available bill and an instruction to pay the available bill. A first biller station operates, in real time, to receive the transmitted information and to compute the amount of the available bill based upon the received information. The central network station operates to receive the computed amount of the available bill and the transmitted pay instruction, and to direct payment of the computed amount of the available bill based upon the transmitted instruction to pay that bill.
Owner:CHECKFREE CORP

System and method for storing, creating, and organizing financial information electronically

A system and/or method which offers customer-driven aggregation of data, with the ability to dynamically modify the filing hierarchy and to store, create and organize digital financial information. The system enables customers to establish a hierarchy of file folders, file any payment whether paper or electronic in a folder for future reference, provide secure storage for an indefinite period for any payment, including credit card payments, debit card transactions, imaged checks, electronic bill payments or account statements. As such, customers can create and change at will their file folder hierarchy and file documents with notes. Customers can set a preference for automatic filing based on pre-established criteria such as folders based standard merchant categories or by month. Customers can also ‘file’ payments when they are created or viewed in the transaction history. The systems of the exemplary embodiments provide a search function, enabling retrieval of documents based on a document storage time stamp, date last accessed, date posted, dollar amount, or by file folder, group, or category. Customers can view document access history. Further, the systems offer customers convenience, privacy, security and prevention of document loss from disaster, and protection from document or identity theft.
Owner:U S BANK NAT ASSOC

Method, system and mobile terminal for implementing electronic payment

The invention provides a method of realizing of implementation of electronic payment, including: payment terminals sent account information of payer and payment information of the amount of payment to payment terminals of the receipter ;terminals of the receipter receive above information, the payment authorized request will be sent to issuers server, the request under the carry - information received and pay those accounts, including received information; issuers server verificates the received payment authorization request a, after the passage of the test, it will transfer account that payer who promised the stated amount. The implementation of this invention also provides a method based on the realization of electronic payment systems and mobile terminals. The technical implementation of the program provided by the invention will reduce repeated transmission of information during the whole process of payment, predigest payment streamline, and therefore reduce the burden of payment terminal communications, reduce communication costs and save transmission resources.
Owner:HUAZHONG UNIV OF SCI & TECH +1

Electronic payment system and remote-based or near-field-based payment method

The invention relates to an electronic payment system and a remote-based or near-field-based payment method. The electronic payment system comprises a remote payment subsystem and a near-field payment subsystem, each of the subsystem comprises a payment card, a payment terminal, a collection card, a collection terminal, a payment server and a collection server. According to the remote-based payment method, remote payment can be achieved through a bound remote payment account, the payment terminal, the payment card and payment passwords, remote payment collection can be achieved through a bound remote collection account, the collection terminal and the collection card, and the payment server receives payment amount and the payment passwords. According to the near-field-based payment method, near-field payment can be achieved through a bound near-field payment account, the payment terminal and the payment card, near-field payment collection can be achieved through a bound near-field collection account, the collection terminal and the collection card, the payment information of the payment terminal and the payment information of the payment card are mutually backed up, and the collection information of the collection terminal and the collection information of the collection card are mutually backed up.
Owner:牟大同

System and method for electronic bill pay and presentment

A system and method is disclosed enabling a customer payor to make payment to a payee in a networked environment using a credit card, revolving credit, or other credit account. The payment system may provide for online receipt and review of bills, and may allow a customer payor to optionally select one or more alternative secondary accounts for payment in the event that payment cannot be made from a primary credit account. The secondary account may be another credit account, a checking account, a brokerage account, or another type of account. Actual payment may be accomplished by electronic settlement of a credit transaction, electronic funds transfer, or by printing and physically delivering a paper check. A customer payor using the system and method may receive notification concerning the success or failure of the transaction.
Owner:JPMORGAN CHASE BANK NA +1

Consumer-based system and method for managing and paying electronic billing statements

InactiveUS20050065883A1Minimizing overdraftMinimizes overdraftFinanceDigital computer detailsPayment scheduleGraphics
A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest. When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI). The bill management and payment system supports a payment analyzer to enable the consumer to determine how much of the electronic bill to pay. The payment analyzer provides a venue to challenge certain items on the bill.
Owner:MICROSOFT TECH LICENSING LLC

Electronic funds transfer

A consumer may make an electronic bill payment from his financial institution account to an intermediary for a certain amount. Data related to the bill payment transaction may be sent to a facilitation server associated with the intermediary. This data may be filtered to determine whether or not the data represents a valid bill payment transaction. If it does, an intermediate account provided by the intermediary, or an account of a third party (such as an on-line merchant) may be immediately credited with the amount of the bill payment so that the consumer can immediately use those funds in an on-line purchase.
Owner:NAVAHO NETWORKS

Electronic Payment System Operative with Existing Accounting Software and Existing Remote Deposit Capture and Mobile RDC Software

Methods and systems for providing an electronic payment to a payee on behalf of a payer. A transaction management system (TMS) receives payments data from an accounting system. The payments data is processed to determine if a payee has opted-in to receive electronic payments. If so, an electronic payment instruction is generated. If the payee has opted-out or is not in a payee file, a print file is generated for printing a conventional paper check. The payee is notified of the payment and can access the system to view a list of payments and remittance information. The payee can indicate a status for a payment on the list, e.g. accept or dispute the electronic payment. In response to selecting a payment in the payments list, the payee is provided with a view of an electronic check representation generated from the electronic payment instruction. The payer can access the payment status in the system to determine if a payment has been accepted. If accepted, the electronic payment instruction is transmitted to a payment recipient system in the form of electronic check representation.
Owner:KOKOPAY

Electronic payment method and electronic payment system based on short-range payment substitution

The invention provides an electronic payment method and an electronic payment system based on short-range payment substitution. The electronic payment method comprises the steps of transmitting a payment substitution request by a user terminal to a payment substitution server, wherein the payment substitution request carries sum of to-be-paid commodities; searching a payment substitution terminal with an allowed payment substitution identification in a preset range by the payment substitution server, and transmitting the sum of the to-be-paid commodities to the payment substitution terminal; generating a to-be-paid sum by the payment substitution terminal and transmitting the to-be-paid sum to the payment substitution server, generating a to-be-paid two-dimensional code by the payment substitution server and transmitting the to-be-paid two-dimensional code to the user terminal, wherein the to-be-paid two-dimensional sum is composed of the sum of the to-be-paid commodities and a to-be-paid commission; scanning the to-be-paid two-dimensional code by the user terminal and transmitting the to-be-paid two-dimensional code to a payment server, and performing payment operation by the payment server; when the payment substitution server receives the payment sum, transmitting payment success information to the payment substitution terminal, and supplying cash which corresponds with the sum of the to-be-paid commodities by the payment substitution party to a user or a seller.
Owner:韩斌
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