ELECTRONIC PAYMENT TRANSACTION SYSTEM
First Claim
1. An electronic payment transaction system for enabling customers to pay a plurality of creditors via at least one manual payment to an intermediate trustee at a trustee site, comprising:
- a trustee processor disposed at the trustee site operable to process the at least one manual payment and to communicate with at least one of a host processor and a kiosk;
the kiosk being disposed proximate to the trustee processor to receive batch payment information, from a customer, pertaining to payments to a plurality of creditors, wherein the kiosk communicates with the host processor, and to process the batch payment information pertaining to the payments to the plurality of creditors; and
the host processor disposed at a service provider site remote from the trustee site and adapted to communicate with the kiosk,wherein the host processor receives the batch payment information from the kiosk.
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Accused Products
Abstract
Customers are enabled to pay a plurality of creditors via at least one manual payment to an intermediate trustee at a trustee site. A trustee processor disposed at the trustee site operable to process the at least one manual payment and to communicate with at least one of a host processor and a kiosk. The kiosk is disposed proximate to the trustee processor to receive batch payment information, from a customer, pertaining to payments to a plurality of creditors, the kiosk communicating with the host processor, and to process the batch payment information pertaining to the payments to the plurality of creditors. The host processor is disposed at a service provider site remote from the trustee site and adapted to communicate with the kiosk. The host processor receives the batch payment information from the kiosk.
41 Citations
20 Claims
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1. An electronic payment transaction system for enabling customers to pay a plurality of creditors via at least one manual payment to an intermediate trustee at a trustee site, comprising:
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a trustee processor disposed at the trustee site operable to process the at least one manual payment and to communicate with at least one of a host processor and a kiosk; the kiosk being disposed proximate to the trustee processor to receive batch payment information, from a customer, pertaining to payments to a plurality of creditors, wherein the kiosk communicates with the host processor, and to process the batch payment information pertaining to the payments to the plurality of creditors; and the host processor disposed at a service provider site remote from the trustee site and adapted to communicate with the kiosk, wherein the host processor receives the batch payment information from the kiosk. - View Dependent Claims (2, 3, 4, 5, 6, 7, 18)
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8. An electronic payment transaction system for enabling customers to pay a plurality of creditors via a plurality of manual payments to an intermediate trustee at a trustee site, comprising:
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a trustee processor disposed at the trustee site to generate and store at least one record of the plurality of manual payments; a kiosk disposed proximate to the trustee processor to receive batch payment information from a customer pertaining to payments to the plurality of creditors, the kiosk communicating with at least one of the trustee processor and a host processor, and to process the batch payment information pertaining to the payments to the plurality of creditors using the at least one record of the plurality of manual payments; and the host processor, disposed at a service provider site remote from the trustee site, that communicates with both the trustee processor and the kiosk, wherein the host processor receives the batch payment information from at least one of the trustee processor and the kiosk. - View Dependent Claims (9, 10, 19)
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11. A method of enabling a customer of a plurality of creditors to visit a trustee site and manually tender at least one manual payment in response to receiving a creditor statement from each of the plurality of creditors, wherein each of the plurality of creditors is associated with a respective creditor site and the at least one manual payment is tendered at the trustee site and applied to a customer account balance owed to each of the plurality of creditors, the method comprising:
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receiving the at least one manual payment at the trustee site from a customer visiting the trustee site and manually tendering the at least one manual payment; processing, via a trustee processing system disposed at the trustee site, the at least one manual payment and storing at least one record of the at least one manual payment to provide a credited amount; receiving, via a kiosk disposed proximate to the trustee system, customer account information including the customer account balance owed to each of the plurality of creditors and processing a plurality of creditor payments in which at least a portion of the credited amount is applied to the customer account balance owed to each of the plurality of creditors; and transmitting the customer payment information to a service provider site, wherein the customer payment information includes an amount credited to the customer account balance owed to each of the plurality of creditors, and wherein the service provider site is located at a site remote from the trustee site. - View Dependent Claims (12, 13, 14, 15, 16, 17, 20)
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Specification