The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jun. 03, 2014

Filed:

Aug. 13, 2008
Applicants:

Gordon Smith, Littleton, CO (US);

Terry Wallace, Silver Bow, MT (US);

Emiko Gordon, Westminster, CO (US);

Matt Canetto, Centennial, CO (US);

Inventors:

Gordon Smith, Littleton, CO (US);

Terry Wallace, Silver Bow, MT (US);

Emiko Gordon, Westminster, CO (US);

Matt Canetto, Centennial, CO (US);

Assignee:

MoneyGram International, Inc., Minneapolis, MN (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 30/04 (2012.01);
U.S. Cl.
CPC ...
Abstract

A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for the payer comprising at least one account identifier, an amount due, and a nominal bill due date; a payment option generator for developing at least one payment option wherein the payment specified is responsive to a difference between a proposed payment date and the nominal bill due date; a payer interface for presenting the at least one payment option to the payer and for accepting a payer option selection and a payment funding confirmation; and a payment execution controller responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.


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