Patent ID: 9710832
Date: 2017-07-18
CPC Classifications: G06Q

Claim:
1. A method for facilitating a card account-based bill payment service for a customer of a biller, comprising: receiving a request from the customer to initiate the card account-based bill payment service; at least one of a plurality of computer processors collecting customer information, the customer information including at least customer account information with the biller and card account information; at least one of the plurality of computer processors encrypting and storing the customer information in a first computer database; at least one of the plurality of computer processors providing the customer information to the biller over a communications network, comprising: at least one of a plurality of-computer processors monitoring incoming transactions involving the customer's card account for a current card account charge from the biller; at least one of the plurality of computer processors retrieving, from the customer's card account, a current card account charge amount from the biller; at least one of the plurality of computer processors retrieving, from a third computer database, at least one previous card account charge amount from the biller; at least one of the plurality of computer processors determining an expected range for the current card account charge based on the at least one previous card account charge amount from the biller; at least one of the plurality of computer processors determining if the current card account charge amount is outside of the expected range for the current card account charge; and at least one of the plurality of computer processors notifying the customer if the current card account charge amount is outside of the expected range for the current card account charge.