SYSTEM AND METHOD FOR FACILITATING PAYMENT TRANSACTIONS
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
55 Claims
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1-36. -36. (canceled)
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37. A post-pay method for settling electronic payment of existing end-users'"'"' accounts with service providers by an intermediary, using one or more active universally accepted card numbers (UACNs) unknown to the end-users, the method comprising:
a computer system of the intermediary; receiving payment request information regarding the existing end-users'"'"' accounts with service providers; establishing communication with the service providers by said computer system or its agent; and authorizing by said computer system or its agent the service providers to post payments on the existing end-users'"'"' accounts and to settle over at least one open association network using one or more active UACNs, the active UACNs being unknown to the end-users. - View Dependent Claims (38, 39, 40, 41, 42, 43)
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44. A post-pay method for settling electronic payments of existing end-users'"'"' accounts with service providers by an intermediary, using one or more active universally accepted card numbers (UACNs) unknown to the end-users, the method comprising:
a computer system receiving payment information regarding existing end users'"'"' accounts with service providers; transmitting the payment information to an intermediary operable to establish communication with the service providers; and authorizing the intermediary to instruct the service providers to post payments to the end-users'"'"' accounts based on settling over at least one open association network using one or more active UACNs unknown to the end-users. - View Dependent Claims (45, 46, 47, 48, 49, 50)
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51. A post-pay system for settling electronic payment of existing end-users'"'"' accounts with service providers by an intermediary using one or more active universally accepted card numbers (UACNs) unknown to the end-users, the system comprising:
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the one or more active UACNs unknown to the end user; and a computer system of the intermediary structured for; receiving payment request information regarding the existing end-users'"'"' accounts with the service providers; establishing communication with the service providers; and authorizing the service providers to post payments on the existing end-users'"'"' accounts and to settle over at least one open association network using the one or more active UACNs. - View Dependent Claims (52, 53, 54)
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55. A post-pay system for settling electronic payments of existing end-users'"'"' accounts with service providers by an intermediary using one or more active universally accepted card numbers (UACNs) unknown to the end-users, the system comprising:
a computer system structured for; receiving payment information regarding existing end users'"'"' accounts with service providers; transmitting the payment information to an intermediary operable to establish communication with the service providers; and authorizing the intermediary to instruct the service providers to post payments to the end-users'"'"' accounts based on settling over at least one open association network using one or more active UACNs unknown to the end-users.
Specification