Biller directory and payments engine architecture

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12254463
SERIAL NO

16555934

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddress
WELLS FARGO BANK N A420 MONTGOMERY STREET SAN FRANCISCO CA 94104

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Barkas, Sotirios San Jose, US 5 2
Hecht, Alan W San Francisco, US 63 202
Kirk, Ann M Deerwood, US 25 29
Rozovski, Peter Concord, US 14 35
Shen, Peter L Castro Valley, US 20 50
Yap, Chate Orinda, US 5 2

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Sep 18, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Sep 18, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Sep 18, 2036
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00