Patent ID: 8660950

Claim:
Non-transitory computer-readable media having stored therein instructions that when executed cause a computer to implement a process for a non-interchange bill pay advance transaction by a bill pay service, the process comprising: receiving payment instructions from a customer specifying a credit card account as a source of funds, the credit card account being provided by an issuer that is affiliated with the bill pay service, the payment instructions being received using an user interface that is accessible to the customer by way of the Internet, the user interface being implemented by the instructions stored in the computer-readable media; responsive to receiving the payment instructions, using funding logic to request the funds from the issuer of the credit card via an internal funds transfer from the issuer to the affiliated bill pay service, and wherein the funds are requested such that the funds are treated by a card association set of rules as a cash advance and not as a payment to a merchant, the card association set of rules being rules that merchants must follow in order to accept the credit card, the funding logic being implemented by the instructions stored in the computer-readable media; receiving the funds from the issuer of the credit card; sending the received funds to a payee, wherein no interchange fee is paid in connection with the received funds, and wherein the bill pay service is configured to send the received funds to the payee regardless whether the payee accepts credit card payments; storing a record of the payment in a database; and generating a transaction description for the non-interchange bill pay advance transaction on a credit card statement, wherein the non-interchange bill pay advance transaction is shown in the transaction description as a cash advance and not as a payment to a merchant.