SYSTEMS AND METHODS FOR PAYMENT OF CUSTOMER BILLS USING PAYMENT PLATFORM OF BILLER Russian patent published in 2015 - IPC G06Q30/00 G06Q20/00 

FIELD: physics, computer engineering.

SUBSTANCE: invention relates to methods of providing payment into a pre-existing customer account with a provider of goods or services. The method comprises steps of receiving at the central processor from a customer, a value identifying information of the customer and information sufficient to identify the provider and the pre-existing customer account; determining information required by the payment platform of the provider in order to provide payment; transmitting from the central processor to the payment platform information required to provide payment into the pre-existing customer account; determining if the provider accepts payment via the payment platform in the form of the value received from the customer; and if the provider does not accept payment, generating a virtual prepaid debit card number funded with an amount equal to the value to be provided; and providing the virtual prepaid debit card number to the payment platform of the provider for conveyance of the associated value into the pre-existing customer account.

EFFECT: high reliability of making payments through the payment platform of a provider.

25 cl, 7 dwg