Abstract: 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.

Abstract: 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.

Abstract: A system and method are provided which allow users to load stored value accounts through online bill payment. The system and method do not rely on the user loading the stored value account sharing online banking login information or account number/routing information. In an aspect, the method includes a user selecting online banking as a payment option, receiving a bill for the load amount, paying the bill through online banking bill pay, the system receiving notification from the bank of an online banking bill payment and the system notifying the stored value account provider of the payment. The cash settlement is released to a stored value account provider in response to load request.

Abstract: 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.

Abstract: A system and method are provided which allow users to load stored value accounts through online bill payment. The system and method do not rely on the user loading the stored value account sharing online banking login information or account number/routing information. In an aspect, the method includes a user selecting online banking as a payment option, receiving a bill for the load amount, paying the bill through online banking bill pay, the system receiving notification from the bank of an online banking bill payment and the system notifying the stored value account provider of the payment. The cash settlement is released to a stored value account provider in response to load request.

Abstract: 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.

Abstract: A system and method are provided which allow users to load stored value accounts through online bill payment. The system and method do not rely on the user loading the stored value account sharing online banking login information or account number/routing information. In an aspect, the method includes a user selecting online banking as a payment option, receiving a bill for the load amount, paying the bill through online banking bill pay, the system receiving notification from the bank of an online banking bill payment and the system notifying the stored value account provider of the payment. The cash settlement is released to a stored value account provider in response to load request.

Abstract: A system for initiating a payment to a merchant from a bill payment system for a purchaser in an electronic purchase transaction is provided. The purchaser may be a subscriber of the bill payment subsystem and the system may include a gateway subsystem. The gateway subsystem may receive electronic purchase transaction information. The electronic purchase transaction information may include a payment request authorized by the purchaser and an identifier associated with the merchant. The gateway subsystem may further determine that the purchaser is registered with the gateway subsystem, and send the payment request to the bill payment subsystem of which the purchaser is the subscriber. The gateway subsystem may also receive a payment notification from the bill payment subsystem, and cause a first payment to be made from a first account associated with the gateway subsystem to a second account associated with the merchant.

Abstract: Systems and methods for facilitating payment of a computerized transaction. One method according to an embodiment of the invention includes providing a money transfer system; receiving at the money transfer system an electronic payment request; assigning, by the money transfer system, a unique transaction number to the payment request; determining by the money transfer system a preliminary total amount required from the buyer; determining by the money transfer system a grand total amount; communicating information from the money transfer system to the seller computer system; receiving at the money transfer system a payment notification; communicating a message to the seller computer system that payment associated with the unique transaction number has been received at a payment location; and effecting completion of the electronic payment request by making payment via the money transfer system to the seller.

Abstract: A method for enabling a transfer of funds through a computer network between a first party registered with a computer server of the computer network and a second party not previously registered with the computer server. The transfer of funds includes payments or requests for money initiated by the first party. In one aspect, the method includes receiving payment instructions from the first party; sending an email to a second party with directions for receiving the payment amount; and, if the directions are followed, transferring the payment amount to the second party. In another aspect, the method includes receiving a request for money from the first party; sending a notification to the second party with directions for providing the requested amount to the first party; and, if the directions are followed, transferring the requested amount from the second party to the first party.

Abstract: A method for processing person-to-person payments and money requests using a computer network. A payment enabler linked to the Internet enables an individual to register for an account through which the individual can make payments to other individuals, request money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).

Abstract: A method for processing person-to-person payments and money requests using a computer network. A payment enabler linked to the Internet enables an individual to register for an account through which the individual can make payments to other individuals, request money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).

Abstract: A method for processing person-to-person payments and money requests using a computer network. A payment enabler linked to the Internet enables an individual to register for an account through which the individual can make payments to other individuals, request money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).