公开(公告)号：US20230419279A1

公开(公告)日：2023-12-28

申请号：US18326351

申请日：2023-05-31

申请人： JPMORGAN CHASE BANK, N.A.

发明人： Andrea COUTU ,  Riti SINGHAL ,  Michael HORGAN ,  Othman ELGOUMHI ,  Rimoun GHALY ,  Baxter P CAMPBELL ,  Matthew D ROSE ,  Ken GUTIERREZ ,  Elmahdi ERRAJI ,  Brendan CROTTY ,  Bill SMART ,  Jeffrey LIN ,  O'Brian SANTOS ,  Abdallah Mancour BILLAH ,  Rachel WULF ,  Nicholas R APOSTOLU ,  Krishnan NAIR ,  Victoria LEE ,  Mark S WEBER

IPC分类号： G06Q20/10

CPC分类号： G06Q20/102

摘要： A method for real-time billpay using credit-based products may include a billpay computer program: receiving an electronic file identifying approved merchant billpay participants from a payment processor computer program; receiving an invoice from one of the approved billpay merchant participants, the invoice comprising an embedded statement and a merchant name, an amount due, and a due date; receiving access to the invoice via a first customer user interface, wherein the first customer user interface is configured to access the embedded statement in a second customer interface, wherein the embedded statement is inaccessible to the first customer interface; presenting, in the first customer interface, the merchant name, the amount due, and the due date; receiving, from the first customer interface, approval to pay the invoice; determining that the approved billpay merchant participant is identified in the electronic file; and executing payment for the invoice via the payment processor computer program.