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Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0976204 (1997-11-21) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 407 인용 특허 : 24 |
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households or small businesses and the service establishments (principally utilities, financial inst
The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households or small businesses and the service establishments (principally utilities, financial institutions, telecoms, and others) that serve them. The system eliminates paper check payments without requiring automation at the household level (for example, telephone bill-pay, PC payment systems). The invention provides for the consolidated billing of a plurality of services to a plurality of households, the payment to individual service establishments in aggregate "bullet" transfers (verses individual household payments), and the automated application of payments to service establishment accounts. The present system computes, stores, and communicates the information needed to direct the financial institution processing of debit and credit transactions between thousands of service establishments providing goods and services and millions of consuming households. The system provides for a number of methods of payment, adjusts for partial and delayed payments, and automatically structures and schedules payments in arrears.
[ What is claimed is:] [1.] A method of payment of bills of establishments by purchasers, comprising:providing a settlements exchange with billing information from establishments;calculating an obligation value for each purchaser;downloading the obligation value for each purchaser from the settlemen
[ What is claimed is:] [1.] A method of payment of bills of establishments by purchasers, comprising:providing a settlements exchange with billing information from establishments;calculating an obligation value for each purchaser;downloading the obligation value for each purchaser from the settlements exchange to a financial institution having an account for the purchaser;based on guidelines automatically instructing the financial institution to apply to the purchaser's account, at least a portion of the obligation value;aggregating all of the obligation values that have been applied to purchaser's accounts that are destined for the same establishments; andinstructing the financial institutions to issue these credits to the establishment.
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