Patent ID: 8504415

Claim:
A method of toll transaction payment processing, the method comprising: electronically storing, in a vehicle identifier data store of a toll computer system, identities of a plurality of registered banks, the plurality of registered banks being banks registered for toll payment processing; receiving, by a computer system of a bank included in the plurality of registered banks, an indication that a customer of the bank that receives a checking account service from the bank has requested to register for an automated toll payment service offered by the bank, the indication including at least one vehicle identifier for a vehicle of the requesting customer; as a consequence of receiving the indication, adding, by the computer system of the bank, the at least one vehicle identifier for the vehicle of the requesting customer to a set of multiple vehicle identifiers that identify vehicles operated by customers of the bank that receive a checking account service from the bank and that also have registered for the automated toll payment service with the bank; electronically receiving, by the toll computer system from a message server included in the computer system of the bank, the set of multiple vehicle identifiers; electronically storing, in the vehicle identifier data store of the toll computer system, the set of multiple vehicle identifiers in association with the identity of the bank; accessing image data for a vehicle, the image data corresponding to at least one image of the vehicle engaging in a transaction with a toll facility; processing the image data to determine one or more vehicle identifiers for the vehicle; electronically determining that the one or more vehicle identifiers are among the set of multiple vehicle identifiers received from the message server of the bank and stored in the vehicle identifier data store; electronically identifying the bank, from among the plurality of registered banks having identities stored in the vehicle identifier data store, by accessing the identity of the bank from the vehicle identifier data store; electronically communicating billing information for the transaction between the vehicle and the toll facility from the toll computer system to the message server of the bank; based on the billing information, electronically identifying, by the computer system of the bank, a checking account maintained by the bank for a particular customer that registered for the automated toll payment service; and automatically debiting payment for the transaction from the identified checking account, wherein the billing information does not include information associated with a vehicle transponder.