Transaction processing payment system
First Claim
1. A method of performing a financial transaction using a computerized financial transaction system, comprising:
- receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill to obtain information provided therein for paying a creditor; and
inputting said information into the system.
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Accused Products
Abstract
A computerized financial transaction system encompasses payment of a bill by a customer at an agent site, where the agent accepts funds in payment of the bill, and enters or scans customer and payment information directly on a host provider'"'"'s website. The host provider processes the payment information and formats the payment information into an acceptable format for electronic notification to the creditor. The host provider forwards payment to the creditor according to the creditor'"'"'s protocol, and debits the agent'"'"'s bank account for reimbursement of the funds paid to the creditor on behalf of the customer, as well as for a service fee for the payment service.
148 Citations
32 Claims
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1. A method of performing a financial transaction using a computerized financial transaction system, comprising:
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receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill to obtain information provided therein for paying a creditor; and
inputting said information into the system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. An apparatus for performing a financial transaction, comprising:
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means for receiving customer information into the system;
means for scanning a bill from said customer into the system;
means for processing said scanned bill to obtain information provided therein for paying a creditor; and
means for inputting said information into the system. - View Dependent Claims (14, 15, 16, 17)
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18. A computer system for performing a financial transaction, comprising:
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at least one memory containing at least one program comprising the steps of;
receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill to obtain information provided therein for paying a creditor; and
inputting said information into the system; and
at least one processor for running the program.
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19. A method of performing a financial transaction over a global computerized network, comprising:
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receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill using a zone recognition method, to obtain information provided therein for paying a creditor; and
inputting said information into a database in the system. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27)
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28. An apparatus for performing a financial transaction over a global computerized network, comprising:
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means for receiving customer information into the system;
means for scanning a bill from said customer into the system;
means for processing said scanned bill using a zone recognition method, to obtain information provided therein for paying a creditor; and
means for inputting said information into a database in the system. - View Dependent Claims (29)
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30. A computer system for performing a financial transaction, comprising:
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at least one memory containing at least one program comprising the steps of;
receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill using a zone recognition method, to obtain information provided therein for paying a creditor; and
inputting said information into a database in the system;
at least one processor for running the program.
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31. A computer-readable medium whose contents cause a computer system to perform financial transactions over a network, the computer system having a program which performs the steps of:
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receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill to obtain information provided therein for paying a creditor; and
inputting said information into the system.
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32. A computer-readable medium whose contents cause a computer system to perform financial transactions over a network, the computer system having a program which performs the steps of:
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receiving customer information into the system;
scanning a bill from said customer into the system;
processing said scanned bill using a zone recognition method, to obtain information provided therein for paying a creditor; and
inputting said information into a database in the system.
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Specification