# US 11,917,228 B1 · Bill payments from a video screen > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,917,228 B1 - Document ID: US11917228B1 - Status: Granted - Kind: B1 - Application number: 17/977,275 - Filed: 2022-10-31 - Granted: 2024-02-27 - Earliest claimed: 2015-03-09 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Bipin M. Sahni; Balinder Mangat; David Hatch - Web page: https://patentgrep.com/patent/US11917228B1 ## CPC - H04N 21/2543: Billing {, e.g. for subscription services (payment schemes, architectures or protocols G06Q20/00; e-commerce G06Q30/00; arrangements for billing for the use of broadcast information or broadcast-related information H04H60/21)} - G06Q 30/04: Billing or invoicing - G06Q 30/0643: {graphically representing goods, e.g. 3D product representation} - H04N 21/4316: {for displaying supplemental content in a region of the screen, e.g. an advertisement in a separate window} - H04N 21/435: Processing of additional data, e.g. decrypting of additional data, reconstructing software from modules extracted from the transport stream - H04N 21/47805: {Electronic banking (banking in general G06Q30/02)} - H04N 21/47815: {Electronic shopping (payment schemes, payment architectures or payment protocols for electronic shopping systems G06Q20/12)} - H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The system includes one or more processors and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to maintain a database that includes account information for at least one customer of a financial institution, maintain a bill pay database that includes at least one registered biller, provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller, receive a bill pay request to a vendor corresponding to a segment of broadcast video content, and complete a bill pay request by causing funds from the customer's account to be sent to the vendor. ## Claims ### Claim 1 A computer implemented method of completing bill pay requests on a computing system at a financial institution, the method comprising: maintaining, by an account processing logic, a customer database that includes account information for at least one customer of the financial institution; maintaining, by a bill pay processing logic, a bill pay database that includes at least one registered biller; providing, by a financial institution computing system, a bill pay feature by which a customer can cause a payment to be issued to a registered biller; receiving, by a financial institution network logic, a bill pay request to a vendor corresponding to a segment of broadcast video content; and completing, by a bill pay processing logic, a bill pay request by causing funds from the customer's account to be sent to the vendor. ### Claim 2 (depends on 1) The method of claim 1, further comprising: retrieving, by the financial institution network logic, information relating to outstanding or upcoming payments due to the vendor; and transmitting, by a bill pay processing logic, information relating to outstanding or upcoming payments due. ### Claim 3 (depends on 1) The method of claim 1, further comprising adding, by a bill pay processing logic, a new registered biller to the bill pay database corresponding to the vendor. ### Claim 4 (depends on 1) The method of claim 1, wherein the customer database is maintained to include identifying information for at least one bill pay request generating device associated with at least one customer of the financial institution. ### Claim 5 (depends on 1) The method of claim 1, wherein the bill pay request is received by the financial institution computing system from a broadcast headend. ### Claim 6 (depends on 1) The method of claim 1, wherein the bill pay request includes recurring payment instructions to set up and complete recurring payments to the vendor, and payments are completed per the recurring payment instructions. ### Claim 7 (depends on 1) The method of claim 1, wherein the bill pay request is received while the segment of broadcast video content is being broadcast. ### Claim 8 A system comprising: one or more processors; and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to: maintain a customer database that includes account information for at least one customer of a financial institution; maintain a bill pay database that includes at least one registered biller; provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller; receive a bill pay request to a vendor corresponding to a segment of broadcast video content; and complete a bill pay request by causing funds from the customer's account to be sent to the vendor. ### Claim 9 (depends on 8) The system of claim 8, wherein the memory stores instructions that, when executed by the one or more processors, cause the one or more processors to: retrieve information relating to outstanding or upcoming payments due to the vendor; and transmit information relating to outstanding or upcoming payments due. ### Claim 10 (depends on 8) The system of claim 8, wherein the memory stores instructions that, when executed by the one or more processors, cause the one or more processors to add a new registered biller to the bill pay database corresponding to the vendor. ### Claim 11 (depends on 8) The system of claim 8, wherein the customer database is maintained to include identifying information for at least one bill pay request generating device associated with at least one customer of the financial institution. ### Claim 12 (depends on 8) The system of claim 8, wherein the bill pay request is received by a financial institution computing system associated with the one or more processors from a broadcast headend. ### Claim 13 (depends on 8) The system of claim 8, wherein the bill pay request includes recurring payment instructions to set up and complete recurring payments to the vendor, and payments are completed per the recurring payment instructions. ### Claim 14 (depends on 8) The system of claim 8, wherein the bill pay request is received while the segment of broadcast video content is being broadcast. ### Claim 15 A non-transitory computer-readable storage medium storing instructions that, when executed, cause one or more processors to: maintain a customer database that includes account information for at least one customer of a financial institution; maintain a bill pay database that includes at least one registered biller; provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller; receive a bill pay request to a vendor corresponding to a segment of broadcast video content; and complete a bill pay request by causing funds from the customer's account to be sent to the vendor. ### Claim 16 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions, when executed, cause the one or more processors to: retrieve information relating to outstanding or upcoming payments due to the vendor; and transmit information relating to outstanding or upcoming payments due. ### Claim 17 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions, when executed, cause the one or more processors to add a new registered biller to the bill pay database corresponding to the vendor. ### Claim 18 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the customer database is maintained to include identifying information for at least one bill pay request generating device associated with at least one customer of the financial institution. ### Claim 19 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the bill pay request is received by a financial institution computing system associated with the one or more processors from a broadcast headend. ### Claim 20 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the bill pay request includes recurring payment instructions to set up and complete recurring payments to the vendor, and payments are completed per the recurring payment instructions.