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
Ray Kolling, William L Powar: Electronic bill pay system. Visa International Service Association, July 6, 1999: US05920847 (744 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 debits) which indica ...


3
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 ...


4
William L Powar: Secure interactive electronic account statement delivery system. Visa International Service Association, Beyer Weaver & Thomas, September 4, 2001: US06285991 (284 worldwide citation)

The present invention consists of a secure interactive electronic account statement delivery system suitable for use over open networks such as the Internet. The invention utilizes a certification hierarchy to insure that electronic bills, invoices, and other account statements can be securely sent ...


5
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 ...


6
William L Powar: Method and apparatus for paying bills electronically using machine readable information from an invoice. Visa International Service Association, Beyer Weaver & Thomas, August 20, 2002: US06438527 (115 worldwide citation)

Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable information includes biller identification and a C-B account number and the information is readable at the ...


7
William L Powar: Method and apparatus for paying bills electronically using machine readable information from an invoice. Visa International Service Association, Beyer Weaver & Thomas, April 11, 2006: US07028008 (20 worldwide citation)

Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable information includes biller identification and a C-B account number and the information is readable at the ...


8
William L Powar: Method and apparatus for paying bills electronically using machine readable information from an invoice. Visa International Service Association, Beyer Weaver & Thomas, October 31, 2002: US20020161704-A1

Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable information includes biller identification and a C-B account number and the information is readable at the ...