Invention Publication
- Patent Title: BILLER-SIDE BILLER DIRECTORY AND PAYMENTS ENGINE ARCHITECTURE
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Application No.: US16704453Application Date: 2019-12-05
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Publication No.: US20240320718A1Publication Date: 2024-09-26
- Inventor: Alan W. Hecht , Sotirios Barkas , Ann M. Kirk , Peter Rozovski , Peter L. Shen , Chate Yap
- Applicant: Wells Fargo Bank, N.A.
- Applicant Address: US CA San Francisco
- Assignee: Wells Fargo Bank, N.A.
- Current Assignee: Wells Fargo Bank, N.A.
- Current Assignee Address: US CA San Francisco
- Main IPC: G06Q30/04
- IPC: G06Q30/04 ; G06Q20/02 ; G06Q20/36 ; G06Q40/02

Abstract:
A biller processor computing system is associated with a biller. The biller processor computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller processor application programming interface (API) engine. The instructions, when executed by the processing resource, cause the biller processor computing system to extract a payer identifier from an electronic bill (e.g., an electronic bill received from the biller). Based at least on the payer identifier, a corresponding electronic token is retrieved from data storage media. The electronic token relates to payer authentication information for a biller computing system, which is communicatively coupled to the biller processor computing system. The electronic token is included in the electronic bill, and the electronic bill is transmitted to a payer computing system.
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