Patent ID: 8732078
Filing Date: 2014-05-20
Classification: B65D

Abstract:
1. A computer system to receive a payment, the computer system comprising at least one subsystem having a computing device with a processor and memory for storing executable instructions that are executable by the processor to: create a request for payment on behalf of a payee, wherein the request for payment designates a payer from which to obtain the payment and comprises instructions for guiding the payer through paying the payee via a secure payment portal, the payee being a customer of a financial services provider and the payer being a non-customer of the financial services provider; associate the request for payment with an account provided by the financial services provider, the account being selected by and associated with the payee; send the request for payment to the payer, wherein the payment is adjustable by the payer via the secure payment portal; provide the payer with user identification and a user password that are created by the payee, the user password being authorized for use in only a first utilization by the payer to access the secure payment portal through which the payer can direct payment to the account according to the instructions and without identifying the account to the payer; receive the payment from the payer in the account provided by the financial services provider via the secure payment portal, according to the instructions, and via the first utilization of the user identification and the user password by the payer; and prohibit the user identification and the user password from a second utilization.