Mastercard International Incorporated

Gidget Hall

Edward McLaughlin

Theresa L Altman

Janet Marie Smith

Pauline Ow

Darlene Lohman

A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date. An alternative technique using an operator of a payment network is also disclosed, as are corresponding systems.

Apparatus and method for bill payment card enrollment

A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old account number associated with the receiver and at least one new account number associated with the receiver. The data is placed in a conversion data structure in a format to facilitate account number conversion. Remittance data, including the old or new account number of the receiver, is obtained from a given one of the participating entities, and is routed in accordance with the old or new account number in the remittance data, and the data structure.

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Town & Country, MO, United States of America

Gidget Hall