1
James J Hilt, Ron Hodges, Stephen W Pardue, William L Powar: Electronic bill pay system. Visa International, Philip H Albert, Townsend and Townsend Khourie and Crew, November 7, 1995: US05465206 (814 worldwide citation)

A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating billers (paper/mail bills, e-mail notices, implied bills for automatic debts) which indicat ...


2
James J Hilt, Ron Hodges, Stephen W Pardue, William L Powar: Electronic bill pay system. VisaInternational Service Association, February 29, 2000: US06032133 (422 worldwide citation)

A method for electronically paying a bill is described in which a bill pay order is forwarded to a first processor. The bill pay order includes information identifying a biller, an amount owed, and a consumer-biller account number. The method determines whether the consumer has sufficient funds to c ...


3
James J Hilt, Ron Hodges, Stephen W Pardue, William L Powar: Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill. Visa International Service Association, Beyer Weaver & Thomas, June 18, 2002: US06408284 (216 worldwide citation)

A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating billers (paper/mail bills, e-mail notices, implied bills for automatic debts) which indicat ...