System and method for facilitating payment transactions
First Claim
1. A system for facilitating electronic payment on behalf of an end-user comprising:
- a computer system associated with an intermediary that is operable with an Internet website for making payments to service providers on behalf of end-users and that is operable to exchange information with terminals and with a computer system of at least one service provider, wherein;
the computer system of the intermediary receives a request to make one or more payments on the end user'"'"'s account with one or more service providers from a terminal operated by the end-user, the request comprising the end-user'"'"'s account number with each service provider, an amount of each requested payment, and an authorization to transfer the specified amount of the end-user'"'"'s funds to an account of the intermediary; and
the computer system of the intermediary transmits a universally accepted open system number associated with the intermediary and the payment amount received from the end user to the computer system of each service provider to effect payment on the end-user'"'"'s account with each service provider.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user'"'"'s account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user'"'"'s source of funds to effect payment on the end user'"'"'s account with the service provider.
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Citations
36 Claims
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1. A system for facilitating electronic payment on behalf of an end-user comprising:
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a computer system associated with an intermediary that is operable with an Internet website for making payments to service providers on behalf of end-users and that is operable to exchange information with terminals and with a computer system of at least one service provider, wherein;
the computer system of the intermediary receives a request to make one or more payments on the end user'"'"'s account with one or more service providers from a terminal operated by the end-user, the request comprising the end-user'"'"'s account number with each service provider, an amount of each requested payment, and an authorization to transfer the specified amount of the end-user'"'"'s funds to an account of the intermediary; and
the computer system of the intermediary transmits a universally accepted open system number associated with the intermediary and the payment amount received from the end user to the computer system of each service provider to effect payment on the end-user'"'"'s account with each service provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 15, 16, 17, 18)
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19. A method of facilitating electronic payment on behalf of an end-user comprising the steps of:
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providing a computer system associated with an intermediary that is operable with an Internet website for making payments to service providers on behalf of end-users and that is operable to exchange information with terminals and with a computer system of at least one service provider;
receiving a request to make one or more payments on the end user'"'"'s account with one or more service providers from a terminal operated by the end-user, the request comprising the end-user'"'"'s account number with each service provider, an amount of each requested payment, and an authorization to transfer the specified amount of the end-user'"'"'s funds to an account of the intermediary; and
transmitting a universally accepted open system number associated with the intermediary and the payment amount received from the end user to the computer system of each service provider to effect payment on the end-user'"'"'s account with each service provider. - View Dependent Claims (20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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Specification