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| 국가/구분 | United States(US) Patent 등록 |
|---|---|
| 국제특허분류(IPC7판) |
|
| 출원번호 | US-0736071 (1991-07-25) |
| 발명자 / 주소 |
|
| 출원인 / 주소 |
|
| 인용정보 | 피인용 횟수 : 662 인용 특허 : 0 |
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer bank
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications; means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers\information, financial institutions\information and merchant information and arranges payment to the merchants according to the consumers\instructions based on a financial risk analysis.
A system for use by a service provider to pay bills rendered to a consumer by billing entities, said system comprising: a financial institutions database having specific information pertaining to the consumers\financial institutions at which consumers maintain accounts and from which accounts paymen
A system for use by a service provider to pay bills rendered to a consumer by billing entities, said system comprising: a financial institutions database having specific information pertaining to the consumers\financial institutions at which consumers maintain accounts and from which accounts payments to the billing entities may be made; a billing entities database having specific information pertaining to the billing entities to be paid; at least one remote telecommunications device operable by a consumer to be in communication with a central processing unit operated by said service provider; a program directing the operations of said central processing unit to analyze instructions received from said consumer through said telecommunications device, said program further including means for identifying a preferred form of payment drawn on the consumer\s account at the financial institution with respect to payments to be effected to said billing entities; and means for effecting payment of the bills on behalf of the consumer\s accounts, to said billing entities, said payments to be made from the consumer\s account at the financial institution, whether or not the service provider is a bank.
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