Other

Aci Worldwide Corporation

Walletron, Inc.

Garrett Cameron Baird

A method for processing an electronic bill payment with a user-specific electronic device in operative communication with a digital wallet bill management system running on centralized processors in operative communication with databases and in networked communication with digital wallet applications, computerized billing systems and payment gateways. The user-specific electronic device has a digital wallet application that stores funding and biller e-cards associated with funding and billing accounts for a customer's financial institutions and billers, respectively. The user-specific electronic device includes a web browser application connecting the e-cards to the digital wallet bill management system depending on a selected payment option for a biller's digital bill received in the digital wallet. Code snippet activators including biller codes, customer codes and URL addresses may also be received in the user-specific electronic device which sends an electronic communication with the biller and customer code from the user-specific electronic device to the network address.

Method for billing and payment in digital wallets

A digital wallet bill management system runs on centralized processors in operative communication with databases and in networked communication with digital wallet applications, computerized billing systems and payment gateways. Code snippet activators are provided to customers running digital wallet applications on their respective electronic devices. When customers activate the code snippet information, the digital wallet bill management system produces biller e-cards for the digital wallet applications, linking customer accounts to the billing system for the respective customers. The code snippets include biller codes, customer codes and URL addresses, and the system matches the codes with data stored in the database for the respective biller and customer and transmits the biller e-card information to the respective electronic devices for the digital wallet application. The customers use funding e-cards in their digital wallets to produce electronic bill payment records for electronic bills that the system populates using the biller e-cards.

Growing community of inventors

Ardmore, PA, United States of America

Garrett Cameron Baird